Thanks for your query Suri.
7 to 8.5% ROI is offered in new vehicle financing segment which is typically offered by PSU and Private Banks (this segment goes upto ~12%). Also these rates are majorly offered in Urban areas.
In the case of Wint Wheels live asset, the NBFC Kogta Finance offers mostly used commercial vehicle loans. The rates in this segment is ~17% and above ROI. These customers are mostly from Tier2/Tier 3 geographies where banking penetration would be comparitively lower and the customers are catered to by NBFC sector.
The performance of this segment(especially LCV segment) has been good since these are commercial vehicles taken for income generation purposes.
Stay safe !