Vehicle lending is moving towards larger loan amounts as auto premiumisation and used-car financing shape the market, according to the report. It points to rising average loan sizes, alongside different growth patterns across commercial vehicles, used cars and two-wheelers.

For commercial vehicle loans, the headline gives a compound annual growth rate of 20.1% across five years, while the accompanying text points to significant growth ahead. The supplied extract does not identify the exact period or explain whether that figure measures past growth or a forecast.

Used-car loans are described as the fastest-expanding segment, with financing helping bring credit access into formal channels. Two-wheeler loans, meanwhile, retain the lead by borrower volume and bring in many new customers. The distinction matters: the segment serving the most borrowers is not necessarily the one growing fastest.

Across auto lending, disbursements are tilting towards higher-value loans, pushing up the average ticket size. The extract does not provide segment-wise loan amounts, lender names or further growth figures, so it does not establish how individual banks are positioned.