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 Tata Capital construction equipment loan helps you buy machines like excavators, loaders, cranes and compactors — new or used. On a new machine you can get funding of up to 100% of the cost, and up to 75% on used equipment, with a repayment tenure of 3 to 7 years to suit your project. Being part of the Tata Sons group with 700+ branches, its digital process gives quick approvals and simple paperwork. SMEs, firms, companies, first-time buyers, contractors and mine owners can all apply. Tell us your machine and city, and the Desi Machines finance desk will get things moving for you.
Most contractors know the feeling. A job needs a bigger machine, but the price on an excavator or crane is more than a whole year’s earnings. Paying that in one shot is out of the question. This is the exact problem Tata Capital was built to solve. Started in 2007 as part of the trusted Tata Sons group, it has grown into one of India’s biggest finance companies, with more than 700 branches spread across the country. So a builder in a small town gets the same backing as one in a metro.
Put simply, a Tata Capital construction equipment loan is money the company gives you to buy a machine. The machine earns for you, and you pay the loan back in easy monthly instalments from that income. Usually the machine itself stands as security under hypothecation, so you don’t have to pledge your land or house on top. New machine or a good second-hand one, Tata Capital funds both, which matters a lot when you are just building up your fleet.
So what can you put on finance? Nearly any machine that does honest work on a site — excavators, wheel loaders, compactors and road rollers, concrete mixers, motor graders, cranes, graders, dump trucks and more. Being part of the Tata group, it also has tie-ups with many original equipment makers (OEMs), so getting a fair deal on a popular model is often easier.
Here is where Tata Capital really helps your pocket. On a new machine you can get funding of up to 100% of the cost, and up to 75% on a used one, so you put in very little upfront. Repayment stretches over a tenure of 3 to 7 years, and sometimes longer, set to match how your project earns. The digital process means approvals often come through fast, sometimes within minutes. In short, you get the machine now and keep your cash free for diesel, wages and repairs. Thinking of a private lender instead? You can also compare Kotak Mahindra Bank and Sundaram Finance on our finance page, or protect your machine with Tata AIG insurance.
Loan amounts, interest rates and tenures shown here are indicative and are decided by Tata Capital based on your profile. Please confirm the latest terms with the company or our finance desk before you apply.
Tata Capital’s construction equipment finance caters to infrastructure, mining, and real estate businesses, offering loans and leases for excavators, loaders, cranes, graders, dump trucks, and more. You enjoy competitive interest rates, flexible repayment terms, and structured financing for heavy equipment investments.
Through its digital-first platform, Tata Capital enables equipment finance approvals within minutes, delivering in principal sanction letters swiftly. Dealers and customers benefit from a seamless paperless equipment financing for business experience—streamlined documentation, credit checks, and final approval online.
Get up to 100% funding on new equipment and up to 75% for used machinery, with loans often under hypothecation—no extra collateral needed. The interest paid on machinery and equipment loan is tax-deductible, enhancing cash flow and balance sheet efficiency.
Choose tenures ranging from 3 to 7 years—possibly longer for machinery loans—aligned with your project’s cash flow needs. Tata Capital’s heavy equipment loans offer structured EMI plans that adapt to industry cycles, reducing strain on working capital.
As a top machinery finance company, Tata Capital partners with OEMs to provide tailored deals, refinancing options, insurance assistance, and asset lifecycle management. This holistic support ensures your construction equipment loan remains efficient and aligned with operational needs.
Tata Capital offers used machinery loans and heavy equipment financing for contractors requiring excavators, cranes, loaders, and more. With minimal documentation, competitive rates, and fast approval, businesses can upgrade or refinance equipment effortlessly.
Wondering what the monthly EMI will look like? Slide the values below and it shows up straight away. As an example, on a ₹30 lakh loan at 11% over 5 years, the EMI comes to roughly ₹65,000 a month. Change the loan amount, down payment or tenure and the figure updates on its own — no calculator needed. Want the exact number for your machine? Send us the details and we’ll confirm it with Tata Capital.
You don’t have to run a large firm to qualify. Tata Capital lends to small and medium enterprises, proprietorship and partnership firms, private and public limited companies, transporters, contractors, mine owners and captive customers working in construction, mining, infrastructure and real estate. First-time users are welcome too. What really counts is steady income to cover the EMI and a clean repayment record. If you are not sure whether you fit, just talk to our team — we check it for you before you spend time gathering papers.
PAN card, Aadhaar, voter ID, passport, or driving license and lates passport size photographs for identity verification.
Utility bill, Aadhaar, passport, voter ID, or rent agreement showing current residence or business location.
GST/Udyam certificate, shop establishment, incorporation certificate, trade license, partnership deed, or proprietorship ITR confirming active operations.
Audited financial statements, income tax returns, bank statements, or profit-and-loss account demonstrating business revenue and stability.
Official vendor quotations and proforma invoices detailing make, model, pricing, and specifications of requested machinery.
Hypothecation documents, asset mortgage, lien creation papers, or third-party guarantee for backing loan repayment assurance.
Getting the loan is simpler than most people expect, and you are not left to sort it out on your own. You choose the machine, our team handles the finance paperwork, and Tata Capital does the approval. Because it runs on a digital-first process, a complete file often gets an in-principle sanction very quickly — sometimes within minutes — and most cases move in just a few working days from “I need a machine” to “keys in 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.
Tata Capital supports a broad range of machines including new and used machinery—such as excavators, backhoe loaders, cranes, compactors, graders, dumpers, pavers, reach stackers, RMC plants, DG sets, and more—under its comprehensive equipment financing for business progra.
Tata Capital offers highly competitive machinery loans, with interest rates starting from around 16% p.a. for new equipment. Brands mention rates from 9% p.a. for select deals, depending on credit, equipment type, and tenure.
To qualify, applicants must be aged 21–65 years, with a minimum two-year track record and annual turnover of ₹10 lakh+. Eligible entities include individuals, SMEs, proprietorships, partnerships, private/public companies, transporters, contractors, and mine owners
Tata Capital typically finances up to 90–100% of new equipment value (70–80% for term loans) without requiring additional collateral—financed via hypothecation of the equipment. Used equipment financing is available up to 75% LT.
Absolutely—used machinery loan options are available with financing coverage up to 75% of the purchase cost. Tata Capital also offers refinancing on existing used equipment to support better cash management .
Foreclosure charges typically range up to 4–4.5% of outstanding principal for premature payment. Tata Capital clearly communicates these in sanction letters; top‑ups may sometimes carry no foreclosure fee
Tata Capital charges processing fees up to 4% of the loan. Additional applicable fees may include valuation charges, stamp duty, legal fees, penal interest on overdue EMIs, and EMI bounce charges, all disclosed upfront.
Tata Capital offers flexible repayment tenures based on loan type: 1–5 years for standard heavy equipment financing, extended up to 7 years for term loans, with EMI structures aligned to project timelines.
Yes—Tata Capital offers refinance and repurchase options for existing machinery under its equipment machinery loan, helping businesses improve liquidity and cost structures .
Applicants must submit valid ID and address proof, business documents like GST/Udyam, audited financials, bank statements, and vendor quotes/invoices. Collateral or hypothecation documents are required only if applicable.
Check Tata Capital 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.
