Abstract
The automotive financing business in India is an essential component of the nation's economic progress. It offers customers and car manufacturers the essential financial support they require to fulfill their financial obligations. Nevertheless, this industry is confronted with a plethora of uncertainties, such as shifting market needs, shifting regulatory requirements, unstable economic conditions, and changing customer habits. Through the analysis of case studies of renowned companies, the research identifies significant risk factors and analyzes the efficiency of various approaches for mitigating those risks. The research makes use of a mixed-methods approach, including qualitative insights from industry professionals through interviews and surveys in addition to quantitative data analysis. The findings shed light on a variety of techniques, including credit risk assessment models, the diversification of loan portfolios, the adoption of sophisticated analytics, and the deployment of rigorous compliance frameworks. Furthermore, the research sheds light on the role that technology advancements, such as blockchain and artificial intelligence, play in boosting the capacities of risk management. The comparison highlights considerable disparities in the efficiency of strategies, which are driven by factors such as the size of the organization, its position in the market, and its acceptance of technical advancements. This study makes a contribution to the current body of research by offering insights that can be put into practice by industry practitioners and policymakers in order to improve the resilience and sustainability of the Indian auto financing sector in the face of uncertainty. The findings that were obtained are intended to provide assistance to businesses in the process of refining their risk management frameworks, therefore generating a financial climate that is more stable and secure.
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