AI-led wealthtech rising as VCs bet on a fintech disruption (in India)

Bhakta, P. (2026, March 23). AI-led wealthtech rising as VCs bet on a fintech disruption. ET CIO. https://cio.economictimes.indiatimes.com/news/investments/ai-led-wealthtech-rising-as-vcs-bet-on-a-fintech-disruption/129742191

• Venture capital is increasingly focused on AI-powered wealth management in India as middle-income investors diversify their portfolios.

• New-age startups are utilizing artificial intelligence to provide personalized advisory services at a lower cost than traditional models.

• The availability of structured financial data through the India Stack has significantly eased the deployment of AI-driven financial products.

• AI technologies have reduced servicing costs to a level where managing smaller asset bases is now economically viable for fintech firms.

• Startups such as Otto Money and Bachatt are actively raising capital to scale their AI-led advisory and savings platforms.

• Established financial institutions are also adopting AI to increase the efficiency of their relationship managers and improve client interaction.

• Scaling these platforms remains challenging due to the need for high levels of consumer trust and the potential commoditization of advisory services.

Knote: We continue to believe D2C advice in India to be one of the most attractive WealthTech opportunities globally. The main driver is the massive and rapidly growing mass affluent population, lack of professional advisors, and shift from gold and real estate to financial assets. The AI part is just the cherry on top.