Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
Asset-backed
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
A Kogta Financial construction equipment loan helps you buy machines like excavators, cranes, loaders, compactors and concrete mixers — with the machine itself acting as security, so you rarely need extra collateral. Kogta is a retail-focused NBFC founded in 1996, rated A+ by CARE and ICRA, with 260+ branches across 12+ states and assets under management near ₹4,800 crore. It is known for minimal documentation and quick disbursal, which suits contractors, fleet owners and first-time buyers in smaller towns. Tell us your machine and city, and the Desi Machines finance desk will help you get the loan moving.
Not every machine buyer walks into a big-city bank branch. Many work out of small towns, mandis and roadside workshops — and that is exactly the customer Kogta Financial was built for. Started in 1996 by the Kogta family and run out of Jaipur, Kogta is an NBFC (a finance company, not a bank) that has spent more than 25 years lending against assets like vehicles, tractors and equipment. Today it has over 260 branches spread across 12-plus states — Rajasthan, Gujarat, Maharashtra, UP, Delhi NCR, Punjab and more — and has served more than 2.5 lakh customers, many of them first-time borrowers from rural and semi-urban India.
A Kogta Financial construction equipment loan is simply money the company lends you to buy a machine, with that same machine standing as the security for the loan. Because the equipment itself is the collateral, you usually don’t have to pledge extra land or property. You put the machine to work, earn from it, and repay in easy monthly instalments (EMIs) from that income. Kogta is known for minimal paperwork and quick disbursal, so you spend less time chasing files and more time on the job site.
What can you finance? Real machines that do real work — excavators, cranes, wheel and backhoe loaders, compactors and road rollers, concrete mixers, tippers and other earthmoving gear. It doesn’t matter if the exact model sits on Desi Machines or not; if it is a genuine construction or mining machine, Kogta can usually fund it.
Why does the lender behind the loan matter? Kogta is rated A+ by CARE and ICRA and is backed by serious global investors like Morgan Stanley, Creador and Ontario Teachers’ Pension Plan, with assets under management near ₹4,800 crore. In plain words, it is a well-run, well-funded company that keeps lending steadily. You get the machine now, keep your own cash free for diesel, wages and repairs, and let the machine pay for itself month by month. Want to weigh your options? You can also compare HDFC Bank and ICICI Bank on our finance page before you decide.
Loan amounts, interest rates and tenures shown here are indicative and are decided by Kogta Financial based on your profile. Please confirm the latest terms with Kogta or our finance desk before you apply.
Kogta offers secured financing for construction equipment, like excavators, loaders, and cranes, using the asset itself as collateral, reducing upfront collateral needs.
Offering tailored loans across commercial vehicles, tractors, cars, MSMEs, and construction equipment, Kogta ensures quick processing with minimal documentation and fast disbursement.
Their proprietary ERP-based digital lending system enables efficient loan origination, real-time portfolio management, and pricing aligned with borrower risk profiles.
Rated A+ by CARE/ICRA for robust governance and asset quality. Supported by marquee institutional investors like Morgan Stanley, CPP, Multiples, and Creador, Kogta sustains healthy liquidity to support growth.
With 260+ branches across 12+ states—including Rajasthan, Gujarat, Maharashtra, Delhi NCR, UP, and Punjab—Kogta caters to urban, semi-urban, and rural customers in underserved regions.
Kogta integrates ESG checks into its credit appraisal process, screening and assigning risk scores to ensure environmental and social sustainability, in line with ADB and IFC standards.
Wondering what your monthly EMI might be? Use the calculator below to get a feel for it. As an illustration only, a ₹25 lakh loan at 11% over 5 years works out to roughly ₹54,000 a month. Change the amount, down payment or tenure and the figure updates on its own — no maths needed. For the exact number on your machine, send us the details and we’ll confirm it with Kogta.
You don’t have to run a large firm to qualify. Kogta lends to contractors, fleet operators, plant hirers, builders, mining operators and small businesses working in construction, infrastructure and allied trades. What matters most is straightforward: a steady source of income to cover the EMI, basic KYC papers, and a reasonable credit and equipment profile. Kogta has long served first-time borrowers and small-scale units in rural and semi-urban areas, so newcomers are welcome too, sometimes with a little more margin or a guarantor. Not sure if you fit? Just talk to our team first — we check for you before you spend time gathering paperwork.
PAN card, Aadhaar card, passport, voter ID, or driver’s license.
Recent utility bills, Aadhaar, passport, or driving license with current address.
Bank statements for the last 6 months, ITRs, and audited financials (for businesses).
GST registration, firm registration, shop license, or other business ownership documents.
A proforma invoice for new equipment or a certified valuation for used machinery.
Loan track records and foreclosure letters for refinancing requests.
Applying is simpler than most people expect, and you are not on your own. You pick the machine, our team helps put the finance file together, and Kogta Financial does the approval. Because Kogta works on minimal documents and fast disbursal, a clean, complete file usually moves in just a few working days — from “I need a machine” to keys in your hand.
Explore a wide range of construction and heavy machinery from India’s top brands like CAT, Komatsu, JCB, Tata Hitachi, CASE, and more—all in one place.
Select the equipment model that best fits your project requirement, budget, and usage type—whether it’s for earthmoving, road work, mining, or lifting.
Fill out a quick enquiry form or connect via call, WhatsApp, or email. Desi Machines helps you apply for Machinery Loans or Finance for Machinery with fast approvals.
Kogta Financial provides a wide range of asset-backed loans, including commercial vehicle loans, construction equipment loans, tractor loans, MSME loans, and loans against property.
Eligibility extends to individuals, self-employed professionals, fleet operators, small businesses, and MSMEs engaged in transport, construction, or agriculture-related activities.
Yes, Kogta offers financing for both new and used commercial vehicles and construction equipment, depending on the asset’s age and condition.
The loan amount depends on the borrower’s credit profile, repayment capacity, and asset value. Typically, Kogta offers up to 85% funding on equipment or vehicle cost.
Interest rates are competitive and risk-based, meaning they vary based on the borrower’s profile, asset type, and loan tenure. Rates are shared during the application process.
Kogta offers flexible repayment tenures, usually ranging from 12 to 60 months, based on the type of loan and borrower needs.
You can apply by visiting your nearest Kogta branch, calling their toll-free number, or filling out an inquiry form on their official website or through Desi Machines.
Yes, Kogta has a strong rural and semi-urban presence, with 260+ branches across 12+ Indian states, focusing on underserved and financially excluded regions.
Check KOGTA Financial equipment finance and loan options across all major cities in India including Mumbai, Pune, Kolkata, Hyderabad, Chennai, Bengaluru, Delhi, Ahmedabad, Indore, Jaipur, Guwahati, and 600+ more locations.
Mumbai
Pune
Nagpur
Navi Mumbai
Thane
Nashik
Aurangabad (Chhatrapati Sambhajinagar)
Solapur
Kolhapur
Amravati
Chandrapur
Yavatmal
Latur
Dhule
Ahmednagar
Jalgaon
Raigad
Beed
Wardha
Palghar
Sangli
Ratnagiri
Satara
Nanded
Akola
Buldhana
Ahmedabad
Gandhinagar
Surat
Vadodara
Rajkot
Bhavnagar
Jamnagar
Mundra
Kutch
Vapi
Anand
Mehsana
Morbi
Surendranagar
Amreli
Bharuch
Navsari
Dahej
Alang
Dholera
Gandhidham
Panaji
Vasco da Gama
Margao
Calangute
Mormugao
Chennai
Coimbatore
Madurai
Tiruchirappalli
Hosur
Salem
Tirunelveli
Vellore
Erode
Thoothukudi
Neyveli
Cuddalore
Virudhunagar
Dharmapuri
Krishnagiri
Thanjavur
Tiruppur
Kancheepuram
Ranipet
Chengalpattu
Kanyakumari
Bengaluru
Mysuru
Hubballi-Dharwad
Belagavi
Mangaluru
Davanagere
Ballari
Hospet
Tumakuru
Shivamogga
Chitradurga
Raichur
Kolar
Hassan
Hoskote
Doddaballapura
Kalaburagi
Bidar
Koppal
Vijayapura
Chamarajanagar
Visakhapatnam
Vijayawada
Amaravati
Guntur
Tirupati
Nellore
Kurnool
Kadapa
Anantapur
Rajahmundry
Kakinada
Eluru
Ongole
Srikakulam
Bheemunipatnam
Machilipatnam
Proddatur
Hindupur
Srikalahasti
Nandyal
Hyderabad
Warangal
Karimnagar
Nizamabad
Khammam
Maheshwaram
Sangareddy
Nalgonda
Adilabad
Suryapet
Siddipet
Ramagundam
Mancherial
Peddapalli
Bhadrachalam
Zaheerabad
Narayanpet
Vikarabad
Medak
Kothagudem
Thiruvananthapuram
Kochi
Kozhikode
Thrissur
Kollam
Palakkad
Malappuram
Alappuzha
Kannur
Kasaragod
Kottayam
Idukki
Wayanad
Pathanamthitta
Ernakulam
Aluva
Angamaly
Perumbavoor
Munnar
Ponnani
Lucknow
Kanpur
Varanasi
Prayagraj
Noida
Ghaziabad
Meerut
Jhansi
Aligarh
Moradabad
Gorakhpur
Mathura
Bareilly
Saharanpur
Ayodhya
Mirzapur
Dadri
Muzaffarnagar
Deoria
Kushinagar
Ballia
Sonbhadra
Gonda
Etawah
Jaipur
Jodhpur
Udaipur
Kota
Ajmer
Bikaner
Alwar
Bhilwara
Barmer
Jaisalmer
Pali
Nagaur
Banswara
Dungarpur
Chittorgarh
Sikar
Sawai Madhopur
Tonk
Bundi
Sriganganagar
Ludhiana
Amritsar
Jalandhar
Patiala
Mohali
Bathinda
Hoshiarpur
Moga
Gurdaspur
Pathankot
Firozpur
Rupnagar
Fatehgarh Sahib
Sangrur
Faridkot
Kapurthala
Nawanshahr
Muktsar
Tarn Taran
Fazilka
Gurugram
Faridabad
Panipat
Ambala
Sonipat
Rohtak
Hisar
Karnal
Rewari
Manesar
Panchkula
Bhiwani
Yamunanagar
Jhajjar
Nuh (Mewat)
Sirsa
Kaithal
Kurukshetra
Bahadurgarh
Palwal
Shimla
Manali
Dharamshala
Solan
Baddi
Mandi
Kullu
Bilaspur
Una
Chamba
Kangra
Rampur
Lahaul-Spiti
Hamirpur
Sirmaur
Kinnaur
Dehradun
Haridwar
Rishikesh
Nainital
Roorkee
Haldwani
Kashipur
Rudrapur
Pantnagar
Champawat
Pithoragarh
Bageshwar
Chamoli
Uttarkashi
Almora
Vikasnagar
Kotdwar
Ramnagar
Srinagar (Pauri)
Tehri
Central Vista
Dwarka
Rohini
Narela
Okhla
Tughlakabad
Shahdara
Janakpuri
Badarpur
Uttam Nagar
Saket
Mundka
Burari
Bawana
Kanjhawala
Najafgarh
Deoli
Mehrauli
Vasant Kunj
Mayur Vihar
Srinagar
Jammu
Udhampur
Katra
Anantnag
Baramulla
Sopore
Pulwama
Ganderbal
Bandipora
Kupwara
Kathua
Reasi
Ramban
Doda
Rajouri
Poonch
Kishtwar
Shopian
Kulgam
Leh
Kargil
Drass
Hanle
Chushul
Zanskar
Nubra
Shyok
Khaltse
Dha-Hanu
Nyoma
Mulbekh
Sector 17 (City Core)
Sector 62 (IT Park)
Industrial Area Ph-1
Industrial Area Ph-2
Manimajra
Panchkula Extension
Mohali Phase 8
ISBT 43
Daria
Hallomajra
Rock Garden Area
Sector 82 (Aerocity)
Kolkata
Durgapur
Asansol
Haldia
Siliguri
Kharagpur
Bardhaman
Medinipur
Howrah
Raniganj
Burnpur
Bankura
Kalyani
Purulia
New Town (Rajarhat)
Bidhannagar
Barasat
Malda
Jalpaiguri
Cooch Behar
Bhubaneswar
Cuttack
Rourkela
Sambalpur
Berhampur
Angul
Talcher
Jharsuguda
Sundargarh
Paradip
Koraput
Rayagada
Keonjhar
Bolangir
Kalahandi
Dhenkanal
Baripada
Jajpur
Kendrapara
Puri
Ranchi
Jamshedpur
Dhanbad
Bokaro
Hazaribagh
Deoghar
Giridih
Ramgarh
Dumka
Lohardaga
Gumla
Palamu
Chatra
West Singhbhum
Pakur
Sahibganj
Koderma
Simdega
Godda
Khunti
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Desi Machines is a platform where you can see and compare construction equipment. It showcases images, brochures, features, technical specifications, brand details & dealer information. All these are taken from respective brand websites, brochures, and other public resources. We do not claim ownership of these materials and strive to ensure their accuracy. However, the disparity may happen and we advise users to verify directly with respective brands and dealers. Desi Machines is not liable for any inaccuracies or reliance on the information provided. Use of this website is at your own discretion.
