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9 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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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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CIBIL dispute process for correcting wrong entries on a credit report in India
Saurav Agarwal
Finance & Money

CIBIL Dispute: How to Fix a Wrong Entry on Your Report

Your machine loan is closed but the credit report still shows it running. There is a 30-day clock…

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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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Equipment loan foreclosure with calculator, coins and excavator
Saurav Agarwal
Finance & Money

Foreclosing Your Equipment Loan Early: Charges, RBI Rules and When It Pays

A good season leaves cash on the table and the obvious move is to close the loan. What…

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Recently updated
Excavator at construction site

GST on Mobilisation Advance: When the Tax Falls Due

desi machines large motor grader at highway construction site

GST TDS on Works Contract: What Gets Deducted and Why

Construction Equipment

GST Composition Scheme for Contractors: Who Can Opt In

Work Order in Construction: What to Check Before You Mobilise

Work Order in Construction: What to Check Before You Mobilise

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