The year 2020-2021 has an increase of auto loans due to covid 19. Due to the covid pandemic, these automobile sales and loans has increased a lot. The Reserve bank of India said an increase of 2,39,400 rupees of auto loans in FY21 has an increase of 8.5 per cent from 2,20,600 crores at the end of FY20. In the first 11 years of FY21, the financials have increased to FY18 in 19,300 crores. In auto loans, these have grown by 18400 Crores in FY19. There have many reasons for auto loans. These are combined by the moratorium and ticket size loans. Vyomesh Kapasi says these. The Kotak Mahindra prime said this impact has many vehicle finances. For 100 per cent of car loans, there is 80 per cent for cars and two-wheelers 50-60 per cent. These wallet tenures and many others had little cash for payments. These loans have gone up, and the models have SUVs and high priced cars for loans. They opted for 90 per cent finance for vehicles and cash purchases. Earlier, it was 10-15 Percent of sales. These are some of the finances that took off, said the Mahindra and financial services, owner. These are the main reasons for the increase in loan. These loans have gone up to 1,130.52 crores in FY21 from Rs.974 crores in FY20. These vehicle loans have gone up to 10 lakhs for the year FY21. The average loan tickets went from 5.43 lakhs in FY21 to 5.31 lakhs in FY20.