Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
Up to 100% fund
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
A Kotak Mahindra construction equipment loan helps you buy machines like excavators, backhoe loaders, concrete mixers, cranes and motor graders — new or second-hand. On select equipment Kotak funds up to 100% of the cost, so you put in very little upfront, and you repay over a flexible 12 to 48 month tenure. Interest starts around 24% a year, with processing charges up to 3%. Contractors, fleet owners, self-employed buyers and companies can all apply. Tell us your machine and city, and the Desi Machines finance desk will help move your loan along — no long queues, no confusing forms.
Not everyone starting out in construction has a bank balance big enough to buy a machine outright. That is fine. Kotak Mahindra Bank, one of India’s leading private sector banks, has built its name on lending to businesses — from small contractors to large fleet owners. Its infrastructure finance team understands machines and the money side of a worksite, so when you walk in for equipment finance, you are talking to people who deal with excavators and tippers every day, not just paperwork.
A Kotak Mahindra construction equipment loan is simply money the bank lends you to buy a machine, which you then pay back in monthly instalments (EMIs) from what the machine earns. The machine itself stands as security, so you usually don’t need to pledge your house or extra land. Kotak funds both new machines and good second-hand ones, and on select equipment it can cover up to 100% of the cost — which means a smaller upfront dent in your pocket and more cash left for diesel, wages and site running costs.
So what can you put on this loan? Pretty much any machine that does real work on a site — excavators, backhoe loaders, concrete mixers, transit mixers, cranes, loaders, motor graders and other earth-moving or material-handling gear. New or used, Kotak can usually work out the finance. It also handles top-ups, refinancing and balance transfers, so if you already have an equipment loan running elsewhere, there is room to restructure.
Repayment on a Kotak equipment loan is kept flexible, with tenure running from 12 to 48 months to match how your project billing comes in. Interest starts around 24% a year and there are clear charges — processing fees of up to 3%, plus documentation costs — all told to you upfront, no surprises. In plain words: you get the machine now, keep working, and let the earnings cover the EMIs month by month. Weighing up a different lender? You can also compare HDFC Bank and ICICI Bank on our finance page, or protect your machine with Kotak General Insurance.
Loan amounts, interest rates and tenures shown here are indicative and are decided by Kotak Mahindra Bank based on your profile. Please confirm the latest terms with the bank or our finance desk before you apply.
Finance is available for a wide range of construction and mining machinery, including excavators, transit mixers, loaders, cranes, and more. This applies to both brand new and pre-owned equipment, providing flexibility for acquiring machinery across infrastructure, mining, and logistics sectors.
You can get up to 100% financing on select construction equipment with competitive interest rates. This reduces the need for a large upfront investment and makes it easier for small contractors and large companies to own machinery.
Kotak offers financing for used or second-hand construction machinery with expert valuation and flexible eligibility. This helps businesses expand their fleet affordably while keeping productivity and performance strong in ongoing or upcoming projects.
You can benefit from fast approvals and minimal paperwork, which ensures quicker access to funds. This is particularly helpful for time-sensitive projects where getting equipment on-site quickly is key to sticking to construction schedules and project milestones.
Take advantage of customized EMI plans with terms ranging from 12 to 48 months. These are tailored to align with your project cash flow and to ease financial pressure during slow seasons or when project billing is delayed.
Wondering what your monthly EMI will come to? Move the sliders below and see it at once. As an example, on a ₹30 lakh loan at 24% for 4 years (48 months), your EMI works out to roughly ₹96,000 a month. Change the amount, down payment or tenure and the figure updates on its own — no maths in your head. Want the exact number for your case? Send us the details and we’ll confirm it with Kotak Mahindra Bank.
You don’t have to be a large firm to qualify. Kotak lends to contractors, fleet owners, self-employed individuals, partnership firms and private limited companies working in construction, infrastructure, mining or logistics. What the bank mainly checks is straightforward: do you have at least a year of business behind you, is there steady income to cover the EMI, and is your repayment record clean? Your project pipeline and credit history matter too. If you are not sure whether you fit, just talk to our team first — we check for you before you spend time gathering papers.
PAN Card, Aadhaar, passport, voter ID, or driving license.
Utility bill, Aadhaar, passport, or rental agreement.
GST certificate, shop license, partnership deed, or company registration documents.
Latest ITRs, balance sheets, and bank statements for the past 6 months.
A proforma invoice for new machinery or a valuation report for used equipment.
Hypothecation or property documents for additional security.
Getting the loan is simpler than it sounds, and you won’t have to run around on your own. You pick the machine, we handle the finance paperwork, and Kotak does the approval. That is the whole journey — from “I need a machine” to keys in your hand. Most complete files move in just a few working days, so your equipment reaches the site without long waits.
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.
Kotak offers financing for both new and used equipment. This includes excavators, backhoe loaders, cranes, transit mixers, tippers, road rollers, concrete pumps, and more. The loan covers a broad range of construction and mining equipment.
Interest rates for Construction Equipment Loans vary based on asset type, loan amount, borrower profile, and loan duration. Generally, rates start at around 24% per year. For specific details, it’s best to contact a Kotak representative or check your eligibility online.
Eligibility includes individuals, contractors, proprietorships, partnerships, companies, and fleet owners with a valid business profile. Applicants need a stable financial history and the necessary documents to prove their ability to repay.
The equipment being financed typically serves as the main collateral. However, sometimes they may ask for additional collateral or personal guarantees based on credit assessment and loan amount.
Loan terms usually range from 12 to 48 months. This allows businesses to pick repayment plans that fit their cash flow and project schedules.
Yes, you can prepay or close the loan after a minimum lock-in period. Prepayment charges or foreclosure fees may apply based on the terms agreed upon during the loan disbursal.
Kotak ensures quick approval and disbursal with minimal documentation. In many cases, loans are processed within a few working days, especially when all required documents are ready.
Common documents include KYC proofs, bank statements, audited financials, income proof, equipment proforma invoice, and business registration documents. The exact requirements differ based on borrower type and loan size.
Check Kotak Mahindra Bank 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.
