India's financial services sector comprises some of the best-run institutions globally with a world-class talent pool. As India grows, access to financial products & services remains a massive opportunity with vast segments of the market underserved. We believe the next wave of value creation will come from specialized financial institutions that combine high-touch models with deep segment understanding. By being closer to customers – whether it's in lending, insurance or wealth/asset management  – these companies are filling critical gaps across India's diverse financial needs. This transformation will unlock unprecedented value in segments where physical presence and relationship-based models remain irreplaceable.