Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
Up to 90% funding
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
A Ratnaafin construction equipment loan helps small contractors and businesses buy machines like excavators, backhoe loaders, tippers, cranes and graders — new or used. Ratnaafin is an Ahmedabad-based NBFC that funds up to 90% of the machine's cost, with repayment spread over 12 to 60 months and EMIs matched to your project's cash flow. It also offers refinancing and top-up loans on machines you already own. Contractors, small business owners and self-employed people in construction, mining or logistics can apply with basic KYC. Tell the Desi Machines finance desk your machine and city, and we'll help you get it moving.
Not every machine buyer wants to walk into a big bank. Sometimes you just want someone who understands a small contractor’s world, moves fast, and won’t bury you in forms. That is the space Ratnaafin Capital works in. It is an NBFC — a non-banking finance company based in Ahmedabad, Gujarat — that lends mainly to entrepreneurs, small businesses and infrastructure firms. Ratnaafin has grown quickly by serving people in Tier II and Tier III towns, the very places where a good machine can change a family’s fortune but bank branches are few.
A Ratnaafin construction equipment loan is simply money the company lends you to buy a machine, which you then repay in easy monthly instalments (EMIs) from what the machine earns. The machine usually stands as security for the loan, so you often don’t have to pledge your house or land on top of it. Ratnaafin funds both new machines and sound used ones — a real help when a second-hand backhoe is all your budget allows for your first job.
What can you put this money towards? Almost any machine that does honest work on a site — excavators, backhoe loaders, tippers, cranes, motor graders, concrete mixers, compactors and more. Already own a machine? Ratnaafin also does refinancing and top-up loans, so you can free up some cash or stretch your repayment when work is slow. Insurance can be bundled into the loan too, keeping your paperwork in one neat place.
Ratnaafin funds up to 90% of the machine’s cost, so you only arrange a small margin yourself. Repayment runs from 12 to 60 months, and the EMIs are set to match how your project cash comes in — lighter when work is thin, steady when it flows. Interest stays competitive, and disbursal is quick, which matters when a deal won’t wait. In plain words: you get the machine now, keep your cash free for diesel, wages and repairs, and let the machine slowly pay for itself. Want to weigh up a bank instead? Compare Axis Bank and Shriram Finance on our finance page before you decide.
Loan amounts, interest rates and tenures shown here are indicative and are decided by Ratnaafin based on your profile. Please confirm the latest terms with Ratnaafin or our finance desk before you apply.
Finance both brand-new and pre-owned construction equipment with up to 90% funding.
Repayment options range from 12 to 60 months, with EMIs tailored to match project cash flows.
Ratnaafin offers easy paperwork and fast turnaround, ensuring you get funding exactly when you need it.
Already own machinery? Get refinancing or top-up loans to improve liquidity or extend repayment.
Protect your assets with bundled insurance plans that can be included within your loan structure.
Receive end-to-end assistance, including documentation and guidance at your location.
Wondering what your monthly EMI will come to? Slide the values below and see it right away. As an example, on a ₹25 lakh loan over 4 years (48 months), your EMI works out to roughly ₹63,000 a month at an illustrative rate — change the amount, margin or tenure and the figure updates on its own. This is only a sample to give you a feel for the numbers. For the exact EMI on your machine, send us the details and we’ll confirm it with Ratnaafin.
You don’t need to be a large company to qualify. Ratnaafin lends to contractors, small business owners, self-employed people and infrastructure operators working in construction, mining, earthmoving or logistics. Both salaried and self-employed applicants can apply. What Ratnaafin mainly looks at is straightforward: is there a steady income to cover the EMI, and are your basic KYC papers in order? Being an NBFC, it can often say yes to first-time buyers and smaller firms that a bank might turn away. Not sure if you qualify? Just talk to our team — we check for you before you spend time gathering papers.
Aadhaar, PAN, voter ID, passport, or driving license for identity and address proof.
GST registration, trade license, or company incorporation documents.
Last 6–12 months’ bank statements and latest ITRs or audited financials.
Proforma invoice for new equipment or valuation report for used machinery.
Hypothecation of the financed machinery; additional security may be requested for high-ticket loans.
You don’t have to sort this out on your own. You pick the machine, we handle the finance paperwork, and Ratnaafin does the approval. Because Ratnaafin is an NBFC built for quick decisions, a clean file usually moves in just a few working days — from “I need a machine” to keys in your hand. Send us your details and we’ll walk you through each step.
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.
Select the equipment model that best fits your project requirement, budget, and usage type—whether it’s for earthmoving, road work, mining, or lifting.
You can finance excavators, tippers, cranes, backhoe loaders, compactors, and other construction machinery.
Yes—Ratnaafin offers loans for both new and used construction equipment.
Loan tenure can go up to 60 months, based on the equipment and borrower profile.
Funding is typically available up to 90%, depending on creditworthiness and equipment type.
Loans are usually processed and disbursed within 3–7 working days, subject to documentation.
Yes—Ratnaafin accepts both online and offline applications, with support available throughout.
Yes—refinancing and top-up loans are available to improve cash flow and ease repayments.
Yes—equipment insurance is required and can be bundled into your loan EMI.
Check Ratnaafin Capital Private Limited 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
Share your requirement — we'll get you the best Ratnaafin Capital Private Limited equipment loan, fast.
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.
