普华永道& FICCI：2026重塑金融分销体系研究报告：规模、信任与可持续发展（英文版）（56页）.pdf

1、Reimagining financial distribution:Scale,trust,and sustainabilityMay 2026Reimagining financial distribution:Scale,trust,and sustainability3PwC|FICCIForewordIndias financial distribution ecosystem stands at an inflection point.Our market infrastructure,regulatory architecture and products range are h

2、ighly sophisticated.The priority now is to expand distribution that is deep enough to reach the underserved,trusted enough to guide long-term behaviour,and sophisticated enough to channel Indias savings into Indias growth story.The SIP movement is perhaps the most underrated financial revolution of

3、our times.Monthly flows crossing 30,000 crore is not a statistic,it is a statement of intent by millions of ordinary Indians choosing discipline over speculation.And yet,with barely six crore unique mutual fund investors in a country of 140 crore,we are still in the early chapters of this story.The

4、headroom is not incrementalit is generational.Trust,however,remains the true currency of this business.Regulation can mandate disclosure,technology can enable access,but trust is built one conversation at a time by an advisor who calls back when markets turn volatile,who stays the course when the in

5、vestor wants to flee,who puts the clients retirement before this quarters target.No algorithm has yet replicated that.Indias digital infrastructure has fundamentally transformed access to financial services.Yet,expanding access alone is not enough.In a market as diverse and nuanced as India,meaningf

6、ul participation will depend on trust,guidance and informed decision-making across investor segments,in ways that technology alone cannot replicate.The future belongs to models that combine the efficiency and scale of technology with the trust and empathy that human engagement brings.This calls for