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Segment guide · KB-020
Who buys construction equipment, how they are paid, and the seasons and projects that drive repayment.
Machines earn by the hour: ₹1,000 to ₹1,800 an hour for an excavator, depending on size and region. A machine working 200 hours a month covers its instalment comfortably; under 120 hours, it doesn't.
Work drops in the monsoon, from June to September, in most states. Instalment schedules for CE loans should allow for this; ask at sanction whether the borrower wants a lighter instalment in those months.
Concentration on one project or one main contractor is the biggest risk (KB-019). GPS is fitted on almost all new machines; idle hours are the best early signal we have. Resale values hold well for excavators and loaders from the main brands but fall quickly for specialised machines.