India’s fintech ecosystem is undergoing a decisive transformation as artificial intelligence becomes deeply embedded across accounting, debt management, and enterprise finance operations. Moving well beyond payments and lending, AI-led platforms are now automating manual workflows, reducing operational costs, and enabling businesses to manage complex financial data with greater speed and accuracy.
Industry tracking from late 2025 shows a growing mix of startups and established players gaining traction for their AI-integrated finance capabilities, signaling a broader structural shift in how financial operations are managed in India.
Fintech platform Clear, earlier known as ClearTax, is increasingly deploying AI to streamline tax compliance and accounting workflows. The company is focused on automating repetitive finance tasks, improving processing speed, and lowering compliance-related costs for enterprises, startups, and professionals. Its strategy reflects a wider industry move to modernise labour-intensive finance functions through intelligent automation.
India-born startup Acta.ai is applying persona-based AI agents across business functions, including finance. The platform converts unstructured meeting discussions into structured, role-specific outputs, helping finance teams turn conversations into measurable actions and clearer execution plans. This points to a growing role for AI systems that actively participate in business execution rather than functioning as passive support tools.
CreditNirvana, now part of Perfios, operates as an AI-driven debt management and collections platform. By automating significant parts of the debt recovery lifecycle, the platform enables lenders to improve efficiency while maintaining customer engagement and regulatory compliance. The acquisition highlights ongoing consolidation within AI-focused fintech infrastructure.
Xaults Technologies is combining traditional financial systems with tokenised assets to streamline operational costs and improve access to capital. Its platform is positioned to support supply chain financing by simplifying complex, multi-party financial workflows using automation and digital asset frameworks.
SME-focused fintech Khatabook continues to see widespread adoption as a digital ledger and accounting platform for small and medium enterprises. Often described as a soonicorn, the company helps merchants digitise bookkeeping, track cash flows, and manage daily financial records, reducing dependence on manual accounting practices.
OnFinance AI emerged as a notable funded startup in the AI-fintech space during late 2025. While detailed product features remain limited in the public domain, the company is recognised for applying AI to modern finance use cases, reflecting sustained investor interest in automation-led financial platforms.
Enterprise data platform SCIKIQ Data positions itself as an “AI Nervous System” for organisations. The platform focuses on unifying and contextualising scattered enterprise data to create intelligent, governed workflows, allowing finance and accounting teams to operate on AI-ready data foundations.
Indian SaaS major Zoho remains a key provider of cloud-based accounting and finance software. Its comprehensive suite of business applications is widely used by startups and enterprises, with AI increasingly embedded across automation, analytics, and operational efficiency layers.
Merchant-focused fintech Pine Labs has prioritised innovation-led growth over price competition. The company continues to build platforms aimed at strengthening long-term financial moats for merchants by expanding operational and financial capabilities beyond core payments.
Fintech startup Savart recently launched the “Ad Astra Fund,” described as a fully automated investment fund. The launch underlines the growing application of AI in portfolio management and automated investment decision-making within India’s wealth-tech segment.
Across these platforms, AI is increasingly emerging as an underlying infrastructure layer rather than a standalone feature. While finance professionals continue to define strategy and business objectives, AI systems are now handling complex calculations, real-time adjustments, and large-scale data reconciliation.
For enterprises, adopting these tools is comparable to shifting from manual navigation to GPS-enabled systems: the destination remains human-driven, but AI ensures faster, more efficient, and adaptive execution. As AI-native fintech platforms continue to mature, India’s accounting and enterprise finance landscape is expected to see deeper automation, stronger compliance, and significantly reduced operational friction across organisations of all sizes.
Summary: AI Fintech Tools Transforming Finance Operations in India
- Clear – AI-driven tax compliance and accounting automation
- Acta.ai – Persona-based AI agents for finance execution
- CreditNirvana – Automated debt management and collections
- Perfios – Embedded AI for financial data and risk intelligence
- Xaults Technologies – Tokenised finance for supply chain efficiency
- Khatabook – Digital ledger for SMEs and merchants
- OnFinance AI – AI-first finance automation startup
- SCIKIQ Data – Enterprise “AI Nervous System” for finance workflows
- Zoho – AI-enabled cloud accounting and finance suite
- Pine Labs – Merchant fintech focused on innovation-led growth
- Savart – Fully automated AI-driven investment fund
