* TSX ends down 5.48 points, or 0.03 percent, at 16,347.98
* Four of the index's 10 main groups end lower
* Industrials and materials both fall 0.6 percent
* Home Capital Group Inc HCG.TO climbs 10.5 percent
TORONTO, Jan 22 (Reuters) - Canada's main stock index edged lower on Monday as railroad and materials shares declined, offsetting gains for the energy group, which was supported by higher oil prices.
* The Toronto Stock Exchange's S&P/TSX composite index .GSPTSE fell 5.48 points, or 0.03 percent, to 16,347.98.
* The modest decline came ahead of the resumption of talks on Tuesday to renegotiate the North American Free Trade Agreement. Losses for the index were pared as stocks on Wall Street reached record highs after a deal by U.S. senators to end the federal government shutdown. The industrials group, which includes railroad stocks, declined 0.6 percent. Canadian National Railway Co CNR.TO , which is due to report fourth-quarter earnings on Tuesday, fell 1.6 percent to C$99.39, while Canadian Pacific Railway Ltd CP.TO was down 0.8 percent at C$231.66.
* The materials group, which includes precious and base metals miners and fertilizer companies, also lost 0.6 percent.
* Teck Resources Ltd TECKb.TO declined 1.4 percent to C$36.27, while Franco-Nevada Corp FNV.TO , which acquired an additional precious metals stream at the Cobre Panama mining project, fell 3.4 percent to C$94.51. Gold futures GCc1 fell 0.3 percent to $1,328.4 an ounce. GOL/
* Just four of the index's 10 main groups ended lower
* The energy group gained 0.4 percent as oil prices rose. U.S. crude oil futures CLc1 settled 0.4 percent higher at $63.62 a barrel. O/R
* The largest percentage gainer on the TSX was Home Capital Group Inc HCG.TO , which climbed 10.5 percent after TD Securities raised its target price on the stock to C$21 from C$17.
* The overall financial services group, which accounts for more than one-third of the TSX's weight, rose 0.1 percent. It was helped by gains for some of the country's major banks, with Toronto-Dominion Bank TD.TO advancing 0.5 percent to C$74.41.
* Among the most active Canadian stocks by volume was Aurora Cannabis ACB.TO , which rose 7.6 percent to $14.50 after Reuters reported on Friday that the marijuana producer was in talks to buy CanniMed Therapeutics Inc CMED.TO and Newstrike Resources Ltd HIP.V in a friendly deal.
* Investors are betting Canada's smaller financial firms could see a jump in revenues after they helped fund marijuana companies ahead of the country's planned legalization of the drug this year.