农村和半城市化的印度将继续推动该国汽车金融市场的增长，随着即将到来的节日季预计将在利率上升的情况下维持需求，TransUnion CIBIL董事总经理兼首席执行官Bhavesh Jain如是说。他表示，借款人信用状况的改善和更好的还款行为正在增强贷款机构在全国范围内扩大汽车融资的信心。Jain表示，车辆价格上涨导致贷款票据规模和还款期限增加，但过去几年投资组合质量有所增强。
Rural and semi-urban India will continue to drive growth in the country's vehicle finance market, with the upcoming festive season expected to sustain demand despite higher interest rates, according to Bhavesh Jain, Managing Director and Chief Executive Officer of TransUnion CIBIL. He said improving borrower credit profiles and better repayment behaviour are giving lenders greater confidence to expand vehicle financing across the country. Jain said rising vehicle prices have increased loan ticket sizes and repayment tenures, but portfolio quality has strengthened over the past several years.
他预计未来几周两轮车和乘用车的节日需求将保持健康，得益于信贷的广泛可得性。“节日季的势头将会持续存在，”Jain说。“从杜塞拉到排灯节的时期历史上一直带来两轮车和四轮车的增加……节日势头将启动，并在未来四到六周内持续。”根据TransUnion CIBIL最新报告，农村和半城市地区在2026年上半年占汽车贷款发放的61%。
He expects festive demand for two-wheelers and passenger vehicles to remain healthy over the coming weeks, supported by widespread availability of credit." The festive season momentum will be there," Jain said. "Dassehra to Diwali period historically has brought an increase in the two-wheelers as well as the four-wheelers... the festive momentum will kick in, and it will be sustained over the next four to six weeks." According to TransUnion CIBIL's latest report, rural and semi-urban centres accounted for 61% of vehicle loan originations during the first half of 2026.
未偿还的两轮车贷款已超过1.6万亿卢比，而未偿还的汽车贷款已增加至近11万亿卢比。Jain将这种增长归因于车辆价格上涨和对融资的依赖增强。“私人出行正通过信贷得以实现，”他说，并补充道，自疫情以来车辆价格上涨导致贷款金额增加和还款期限延长，因为借款人试图使月供保持可负担。尽管人们对低于正常的季风条件和农村收入压力存在担忧，但Jain认为该行业的定位比过去更好，因为借款人现在对正式信贷更有经验。
Outstanding two-wheeler loans have crossed ₹1.6 lakh crore, while outstanding car loans have increased to nearly ₹11 lakh crore. Jain attributed the growth to rising vehicle prices and greater reliance on financing." Private mobility is being enabled by credit," he said, adding that higher vehicle prices since the pandemic have resulted in larger loan amounts and longer repayment tenures as borrowers seek to keep monthly instalments affordable. Despite concerns over below-normal monsoon conditions and pressure on rural incomes, Jain believes the sector is better positioned than in the past because borrowers are now more experienced with formal credit."
“10笔贷款中有6笔是现有信贷客户的贷款，”他说。“借款人与信贷的关系经验要丰富得多……”而且消费者的意识更强了，因此他们会确保继续按时还款。”
Six out of the 10 loans are with an existing credit customer," he said. "The relationship a borrower has with credit is far more experienced... and the consumer is more aware, so they will ensure that they continue to pay on time."
他指出，过去五到七年里，汽车贷款逾期情况一直在稳步改善，这让放贷机构有信心增加对两轮车和乘用车领域的信贷投放。
He noted that vehicle loan delinquencies have improved steadily over the past five to seven years, giving lenders confidence to increase lending across both two-wheelers and passenger vehicles.
该报告还强调了非银行金融公司在汽车金融中日益重要的作用。杰恩表示，非银行金融公司占存量两轮车贷款的73%以及乘用车贷款的37%，这反映出它们对较小城镇和农村市场的深入触达。
The report also highlights the growing role of non-banking financial companies in vehicle finance. Jain said NBFCs account for 73% of live two-wheeler loans and 37% of passenger vehicle loans, reflecting their deep reach into smaller towns and rural markets."
“汽车金融在很大程度上是非银行金融公司的故事，”他说道，并解释称非银行金融公司已经建立了强大的经销商网络，并专门负责在更深远的地区为小额贷款提供融资。
Vehicle finance is largely an NBFC story," he said, explaining that NBFCs have built strong dealer networks and specialised in financing smaller-ticket loans across deeper geographies.
杰恩还指出借贷模式发生了转变，进入汽车贷款市场的首次借贷者变少了。消费者在为汽车融资之前，越来越多地通过智能手机、耐用消费品、信用卡或个人贷款进行借贷，从而造就了一个信用意识更强的借贷群体和更健康的贷款组合。有关完整采访，
Jain also pointed to a shift in borrowing patterns, with fewer first-time borrowers entering the vehicle loan market. Consumers are increasingly taking loans for smartphones, consumer durables, credit cards or personal loans before financing a vehicle, resulting in a more credit-aware borrower base and healthier loan portfolios. For the full interview,