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equipment finance articles

14 articles

Key Facts Statement showing interest rate, processing fee, insurance, EMI and total payable for a machine loan
Saurav Agarwal
Finance & Money

Key Facts Statement: Your Machine Loan's Real Cost

The rate your lender quotes is not the rate you pay. One page you are entitled to before…

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Excavator with a machine loan NPA notice showing overdue EMI and payment default
Saurav Agarwal
Finance & Money

Loan NPA Rules: When a Machine Loan Turns NPA

A missed EMI does not go straight to default. It moves through SMA-1, SMA-2 and then NPA on…

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desi-machines-guide-wilful-defaulter-the-line-an-owner-should-not-cross.webp
Saurav Agarwal
Finance & Money

Wilful Defaulter: The Line an Owner Should Not Cross

Not being able to pay is one thing. Being classified a wilful defaulter is another, and it turns…

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Loan restructuring documents, calculator and construction excavator illustrating the cost of restructuring a machine loan
Saurav Agarwal
Finance & Money

Loan Restructuring on a Machine Loan: The Real Cost

Work has dried up and the EMI is too big. Restructuring is a real option, but it is…

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NBFC complaint process with RBI complaint information, documents and online complaint portal
Saurav Agarwal
Finance & Money

NBFC Complaint to RBI: The Route That Actually Works

Your equipment lender has stopped replying about a charge, an NOC or a wrong statement. There is a…

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Loan guarantor signing a machine loan agreement with a construction machine in the background
Saurav Agarwal
Finance & Money

Loan Guarantor on a Machine Loan: What You Actually Signed

Standing guarantor for another owner's machine loan is not a character reference. Under Section 128 your liability is…

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EMI bounce charges on construction equipment loans and the charges lenders can apply
Saurav Agarwal
Finance & Money

EMI Bounce Charges on a Machine Loan: What Is Allowed

A bounced machine EMI attracts a penal charge, not penal interest. The difference decides whether the amount can…

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Machine loan settlement and One Time Settlement costs for construction equipment financing in India
Saurav Agarwal
Finance & Money

Machine Loan Settlement: What an OTS Really Costs You

A one-time settlement closes a defaulted machine loan for less than you owe. It also locks you out…

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Construction machines with machinery loan documents and a CGTMSE shield
Saurav Agarwal
Finance & Money

Machinery Loan Without Collateral: What CGTMSE Covers

Collateral-free does not mean unsecured. The machine is still charged to the lender. Here is what CGTMSE actually…

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Machine loan default in India and lender rights
Saurav Agarwal
Finance & Money

Machine Loan Default in India: What the Lender Can and Cannot Do

Miss a few EMIs on a machine loan and the calls start. Here is the actual sequence a…

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Backhoe loader representing a loan against machinery with cash, loan documents and financing information.
Saurav Agarwal
Finance & Money

Loan Against Machinery: Raising Money on a Machine You Already Own

A loan against machinery turns an owned, unencumbered machine into working capital. What lenders look at, what it…

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Project report for a machinery loan with financial documents, cash flow calculations and construction equipment.
Saurav Agarwal
Finance & Money

Project Report for a Machinery Loan: What the Bank Actually Reads

A project report for a machinery loan is not a formality. It is the arithmetic the credit officer…

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Recently updated
Contractor reviewing a pending payment document at a construction site with excavators in the background.

Contractor Payment Delay on Government and EPC Machine Work

Industrial plant with documents representing Consent to Establish and Consent to Operate approvals

Consent to Establish and Consent to Operate: Before the Plant Runs

Excavator loading rock into a tipper truck at a quarry

Construction Business Ideas in India: 10 Options Built Around Machines

Motor grader on a highway construction site under cloudy sky

Termination of Construction Contract by Contractor: Rights and Costs

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