That speaks about the competition in the car market. Many foreign companies started their manufacturing in India and there many new models on the roads. Now the customer is having plenty of choices before him. So the companies should think of novel schemes to attract customers. At the same time, they can't make a loss. So they have to see that production will be going on and cars will be getting sold. If the stocks are increasing, the working capital limits will be crossed and banks will charge extra interest. Instead of keeping the cars and paying interest to the bank, they may be feeling that asking the consumers to pay later will be a better choice. Definitely in pricing the product they will take care of the interesting part also. As a matter of fact, we see many discount sales are EMI sales in various shops for various products. This is all due to competition and to avoid waste of time by stopping production activity. I have seen a company in Hyderabad who is paying immediate payment to the supplier of the vendor is ready to give 2% discount on the quoted price.