What you need to do is pay close attention to what Mahindra charges as fees. They get their pound of flesh one way or another.
Kubota is the same deal on their 0 percent financing.
In my situation, I don't much care about finance charges because any purchase for the farm is a tax write off including interest (and fees) paid, if applicable.
My last purchase last fall I did the 0 percent finance on with Kubota but they charged me an additional 400 bucks in filing fees, which was nota big deal in as much as they gave me a 5 grand ag rebate which offset it nicely and I do quarterly payments, not monthly. I do that on all equipment purchases I make.
I don't insure with Kubota's insurance either. Everything farm related is covered on my farm policy.
Of course to do that, one needs to be a bona fide and registered business, which we are.