Over the past few years, the way we manage money has changed dramatically. From digital payments and mobile expense trackers to online investing and borrowing, our financial lives have become faster and more connected. Now, imagine this shift playing out across a country of over a billion people, that’s the scale of transformation reshaping India’s financial landscape today.

The Bajaj Finserv Banking and Financial Services Fund is built around this shift. It focuses on long-term trends, called megatrends, that are shaping the future of how India banks, spends, and invests. Through a well-defined process and the InQuBe investment philosophy, it looks for companies that may benefit as these changes gather pace.

The New Fund Offer is currently live, having opened on Monday, November 10, 2025, and will close on Monday, November 24, 2025. The scheme will reopen for subscriptions within five business days after allotment. 

Investing in megatrends shaping India’s financial future

Every major change in the financial world begins with a trend that builds quietly over time. This fund looks at five such megatrends, i.e. technology, economy, regulation, demographics, and society, to identify where the next opportunities may come from.

Technology: The rise of digital payments and lending
India is moving steadily toward becoming a cash-light economy. Non-cash transactions are expected to grow from 38% in FY23 to 62% in FY28. That means more digital payments, more online lending, and more inclusion. What’s remarkable is how this change is no longer limited to big cities. Tier 2 and smaller towns are likely to account for over 80% of the roughly USD 60 billion in digital lending disbursements by FY28 (estimates). The future of finance, it seems, is truly digital and increasingly local.