# Multiple vehicle loans, bigger tickets raise credit risk for lenders 2026-08-24T22:56:35+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet More vehicle buyers are taking multiple loans and the average loan amount is rising, increasing potential credit risks for lenders, data from Crif High Mark showed. The trend is most pronounced in commercial vehicle finance, where the share of borrowers with two or more loans rose to 19.9% in June from 15.7% a year earlier. The average vehicle loan exposure per borrower in the commercial vehicle segment increased to Rs 7.8 lakh from Rs 6.4 lakh. The total commercial vehicle loan book grew at a 20% compound annual rate to Rs 7.4 lakh crore as of June end. Auto loans for personal cars saw the share of multi-loan borrowers rise to 6.8% from 5.6% a year ago, while the average loan per borrower jumped to Rs 5.9 lakh from Rs 3.8 lakh. ## Indian Opinion Analysis The data shows lenders face rising concentration risk in a segment that already carries the highest early bucket stress. Commercial vehicle operators, often small players, are taking on more debt across vehicle, home and unsecured loans. Regulators and banks will watch if delinquencies rise as consumer leverage climbs, especially given the sharp growth in two-wheeler loans, which now serve 36 million borrowers as an entry-level credit product. ## Coverage - economictimes.indiatimes.com Led with data and included expert comment, no government slant or sensationalism. This story was synthesised by AI from the source linked above. Tags: auto loans, Bank of Baroda, Commercial Vehicle Loans, Crif High Mark, Madan Sabnavis Canonical: https://indianopinion.org/multiple-vehicle-loans-bigger-tickets-raise-credit-risk-for-lenders/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/multiple-vehicle-loans-bigger-tickets-raise-credit-risk-for-lenders/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/