However, in the East India zone, LTFH has managed to increase its market share by 150-200bp over the past year. The company repossesses 400 vehicles pan-India every month; of this, 20% gets released back to the customer due to settlement. LTFH is the second largest financier for the dealer with a financing market share of 27% (narrowly behind Hero Fincorp that has a share of 28%). LTFH started two-wheeler financing via the acquisition of Family Credit, which was a financier based out of Kolkata. LTFH has been able to maintain that and is now the largest financier in East India it has a market share of 40-45% in West Bengal compared to its pan-India average of 10-12%. Its customer application rejection rate stands at 65% in West Bengal v/s 45-50% pan-India.