Equipment Lease Calculator

Lease Amount Rs.
Down Payment Rs.
Lease Period
Lease Rate %
Monthly Payment Rs.
Total Payment Rs.

The calculations that are preformed are not for official use. Updated rates and values should be used when using this tool.

Equipment Leasing

Unlock your potential tied-up due to financial constraints.

To expand your business, you might need to invest in new machinery and equipment. At Alliance Finance, We offer leasing package tailor-made to your requirements; one that is cost-effective and has flexible payment options.


  • SMEs – Leasing facilities to better manage cash-flows.
  • Corporates – flexible repayment plans to suit business needs.
  • Professionals – Leasing packages to suit any income level.


  • A competitive interest rate.
  • Low monthly instalments.


  • Fixed Rental Scheme : periodic payments (monthly, quarterly or half-yearly) of equal fixed amounts over the lease period.
  • Stepped-up Rental Scheme : payments that are stepped-up in successive periods or years. This scheme is suitable where the cash flow is thin at inception (such as in start-up ventures).
  • Stepped-down Rental Scheme : payments that are stepped-down in successive periods or years. This scheme is suitable for a cash rich entity that opts to pay surplus funds at inception.
  • Balloon Rental Scheme : Pay a large percentage of the asset cost at the tail end of the lease. This scheme is suitable when the bulk of the cash flow is at the end of the lease.
  • Initial Rental Scheme : payments are made at the inception of the lease and reduced periodic rental payments. Such balloon rental contracts entered into at the end of the financial year enables client to optimize tax savings.
  • Full service ‘Operating Leases’ are available


  • 45 branches throughout the country.
  • Fast processing of lease applications.
  • Financing up to 100% of the value of the asset.
  • Tailor-Made rentals to suit every cash flow and budget.
  • Hassle-free documentation and quick approvals.
  • Impact of inflation due to fixed rentals.
  • The lease term could be customised to suit specific requirements.


  • Discounts from selected vendors.
  • Full service leases with buy-back guarantees for selected equipment.


  • Registered business and individuals over 18 years wishing to acquire an asset, with the capability to repay.
  • Brand new or used equipment, machinery or appliances up to 7 years from the date of manufacture.


  • The down payment would depend on the type and face value of the equipment needed and the predetermined period of the lease agreement.


  • The monthly rental could be paid at branches on mutually pre agreed date of each month stated on the lease agreement.


  • If the equipment is reconditioned, a valuation from a valuer acceptable to AFC must be provided.
  • A lease agreement is a non-cancellable, non-transferable contract between AFC and the client. AFC will cover all insurance risks during the term of the lease and will claim the cost from you.
  • Flexible leasing terms will be provided depending on the asset type, repayment capacity, cash flow etc.
  • Product information and terms & conditions are subject to change from time to time.
  • The average time period for a lease is between 1 to 5 years.

    *****Note : Product information and terms & conditions are subject to change without prior notice


  • It is easier and faster: Leasing is the most convenient mode of fixed asset financing. It does not require extensive documentation and procedures.
  • It offers certainty: A lease cannot be cancelled unlike a bank overdraft which is repayable on demand and which may be reduced during a credit squeeze.
  • It permits piecemeal financing: Leasing affords this for small acquisitions of equipment for which debt financing would be impractical.
  • It provides a way out of loan covenants: Leasing is not classified as borrowing and may circumvent restrictive loan covenants.
  • It creates a hedge against inflation: Leasing enables you to acquire assets at current prices and repay from future earnings
  • It is more economical: Leasing can be the least expensive means of financing when you consider tax advantages, enhanced cash flow, faster processing speed and access to additional credit lines.