Transformation of the Sector
Moving from Traditional Banking | Banking, Funding, Savings, Investment
Traditional Banking
- Branch banking
- Corporate heavy
- PSU dominance
- Safety of money
- Borrower’s Age group: 40-50 Years
Modern Banking
- Cheques/ ATMs
- Home loan scale up
- Entry of private banks
- Savings and deposits focus
- Borrower’s Age group: 40-45 Years
Digital Revolution
- Internet banking
- Retail/ SME/MSME pick up
- NBFC / Insurance emerged
- Financial savings gained traction
- Investment focus
- Borrower’s Age group: 30-40 Years
Fintech Revolution
- Mobile banking
- Traction in Unsecured small ticket loans
- Surge in capital markets
- Focus on Wealth Creation
- Borrower’s Age group: 20-40 Years
Savings Pattern has evolved over the years
Moving from Safety to Leverage to Investment
Household (HH) Financial Borrowings and Deposits
Increasing Financialisation of Household Savings
BFSI – Diversified play on the Economy
Sectoral but Diversified
Lending Financials
Banks
- Private Banks
- Public Sector Banks
- Small Finance Banks
NBFCs
- Housing Finance Companies
- Secured Lenders
- Unsecured Lenders
Non Lending Financials
Insurance
- Life Insurance
- General Insurance
Holding Companies / Investment Companies
Rating Agencies
Fintech
Capital Markets
Brokerages
Exchanges
Asset Management Companies (AMC)
Depositories
Registrars and Transfer Agents
Wealth Managers & Distributors
Number of Listed Entities (Lending Financials)
122
Number of Listed Entities (Non Lending Financials)
95
Number of Listed Entities (Capital Markets)
44
BFSI Sector has Huge Profit Opportunity
Profit Pool is only increasing with the advent of Fintech in FY 2025
Structural Growth Drivers
Credit and Income Growth:
Formalisation, Rising per capita income, Improving Balance Sheets
Insurance Under-penetration:
India remains structurally under-insured vs global peers, Private share gains
Rising Financialisation of Household Savings
Shift from Physical to Market linked assets
Operating Leverage and ROE expansion
Asset light, scalable business models
(source: canararobeco.com)
Canara Robeco Banking and Financial Services Fund NFO:
| Mutual Fund | Canara Robeco Mutual Fund |
| Scheme Name | Canara Robeco Banking and Financial Services Fund |
| Objective of Scheme | The objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of entities engaged in the banking and financial services sector. There is no assurance that the investment objective of the Scheme will be achieved. |
| Scheme Type | Open Ended |
| Scheme Category | Equity Scheme – Sectoral/ Thematic |
| New Fund Launch Date | 27 Feb 2026 |
| New Fund Earliest Closure Date | |
| New Fund Offer Closure Date | 13 Mar 2026 |
| Indicate Load Separately | |
| Minimum Subscription Amount | Rs. 5000 and in multiples of Re.1 thereafter |
| For Further Details Please Visit Website | https://www.canararobeco.com |
