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Shifting Gears 2026 - Credit Drives Today’s Mobility
Strategic insights into India’s evolving two-wheeler and passenger vehicle credit landscape
From first vehicle purchase to premium upgrades, credit enables India’s dream of vehicle ownership.
- Two out of five two-wheeler loan originations are to first-time borrowers.
- Two out of three first-time two-wheeler borrowers access another credit product within three years.
- Car loan delinquency can vary by up to 160 bps within the same risk tier based on borrower behaviour and mobility history.
Download the report for insights on borrower profile, risk, and growth opportunities in vehicle credit.
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