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  • Best AI Tools for Creating Viral LinkedIn Content

    Creating viral posts on LinkedIn has been made easy and fast by AI tools. The tools provide clear prompts to help users write powerful messages, catchy hooks, and trendy topics that grab eyeballs. Proposing the best time to post, refining the tone to the appropriate formal or casual, and editing for readability are other features of these AI tools. They help create headlines, allow highlights of key ideas, and put forward keywords that enhance reach. Real-time feedback puts your posts against top updates, while built-in templates help you hit the ground running. With smart scheduling, insights, and visual components, these tools save time and help users gain likes and visible differentiation with sharp, engaging, and reach-maximized content.

    Tool Key Features / Differentiators
    Jasper Post generators, brand voice settings, SEO features, 29 languages supported, workflow automation, plagiarism check
    Anyword Predictive post performance scoring, subject line & CTA suggestions, A/B testing, tone & persona adjustment, multi-language support
    Supergrow Auto-generated comments & CTAs, post scheduling, drag-and-drop calendar, carousel creation, multi-profile management, team collaboration
    GetGenie SEO research & competitor analysis, hashtag suggestions, tone & creativity levels, batch content creation, WordPress integration
    AuthoredUp Repurpose top posts, hooks & endings optimization, emoji & visual suggestions, team collaboration, scheduling for multiple profiles
    Kleo Viral post research, trend & influencer analysis, in-browser formatting & preview, competitive insights
    Taplio Auto-generated posts, hooks & carousels, content grid, engagement lists, lead database, viral post examples, analytics & scheduling
    Lempod Engagement pods (automated likes & comments), targeted pod creation, analytics on pod activity, post amplification
    SocialBee AI Copilot for strategy, text & visual suggestions, post recycling, multi-profile scheduling, team collaboration
    Predis.ai Multi-brand scheduling, SEO captions & hashtags, visual & video content creation, campaign planning, multilingual support

    Jasper

    Website jasper.ai
    Rating 4.7
    Free Trial Yes
    Best For Marketers, writers, and businesses looking to create high-quality AI-generated content, blogs, ads, and social media posts.
    Jasper - Best AI Tools for Creating Viral LinkedIn Content
    Jasper – Best AI Tools for Creating Viral LinkedIn Content

    Jasper is an AI writing tool that can create engaging LinkedIn posts without much hassle. This writing tool makes available ready templates, brand voice settings, and SEO features to improve outreach. Jasper would find a use with global users as it supports 29 languages. With Jasper, anyone can write, edit, and format content that stands out and connects with an audience. It includes post generators, headline ideas, and keyword tools for writing sharp and effective content. Fast-drafting post takes care of style consistency and saves time with workflow automation. The clean user interface and smart features make Jasper a simple yet powerful tool for creating posts that grab attention and spark real engagement on LinkedIn.

    Pros 

    • Beginner-friendly and expert-friendly easy interface. 
    • Check for plagiarism for unique content. 
    • Covers templates for several post styles.

    Cons 

    • Doesn’t fit highly technical or niche topics. 
    • Fact-checking is needed for every output.

    Pricing

    Plan Pricing
    Pro $69/seat/month
    Business Contact Sales

    Linkedin | US-based Company | Company Profile |
    LinkedIn is a professional employment-oriented social networking site. Know more about its business model, revenue model and more.


    Anyword

    Website anyword.com
    Rating 4.6
    Free Trial Yes
    Best For Marketers and businesses needing AI-driven copywriting with predictive performan
    Anyword - Best AI Tools for Creating Viral LinkedIn Content
    Anyword – Best AI Tools for Creating Viral LinkedIn Content

    An online writing system developed by Anyword provides individuals with the facility of writing LinkedIn posts that will generate engagement for them and expand their networks. It writes irresistible subject lines, sample call-to-action statements, and provisions for content enhancement with predictive analytics and real-time scoring. Templates can be selected with varied tone adjustments and customer personas aligned with any audience or brand voice that users prefer. The tool helps write free from plagiarism; it works in many languages and is effective with both quick updates and lengthy posts. With A/B testing, intelligent insights, and smart workflow automation, Anyword enables marketers and professionals to cut time.

    Pros

    • Predicts the post performance even before it is published.
    • Variety of copy templates and different tone options. 
    • fast and scalable

    Cons

    • High price for small teams
    • Custom plans are needed for deeper data analysis.

    Pricing

    Plan Pricing
    Starter $49/month
    Data Driven $99/month
    Business Custom Pricing
    Enterprise Custom Pricing

    Supergrow

    Website supergrow.ai
    Rating 4.6
    Free Trial Yes
    Best For Creators, ghostwriters, marketers, agencies, and professionals building LinkedIn personal brands with AI-powered post creation, carousels, scheduling, engagement tools, and analytics.
    Supergrow - Best AI Tools for Creating Viral LinkedIn Content
    Supergrow – Best AI Tools for Creating Viral LinkedIn Content

    Supergrow is a tool that uses artificial intelligence to develop the branding of users on LinkedIn through posts in a natural tone. It generates hooks, CTA for the post, and schedules posts during those periods where the content can be viewed best, thereby making posting a simple activity. The platform consists of customizable templates, a multi-language post maker, and tools for team collaboration. Users can develop carousels, plan with a drag-and-drop calendar, and let the auto-engagement feature spark real conversations within their networks. Supergrow also offers instant previews and performance scores to refine posts before going live. With support for personal and company pages in one dashboard, it makes growth on LinkedIn simple-smart, yet effective for everybody.

    Pros

    • Replicates writing patterns of users and influencers for producing original outputs.
    • Automatically generates comments and CTAs for engagement.
    • Can manage accounts with multiple profiles on LinkedIn.

    Cons

    • The analytics features are fewer than those offered by the competitors.
    • No built-in outreach or tools for growing one’s network.

    Pricing

    Plan Pricing
    Starter $16/month
    Pro $24/month
    Base $41/month
    Prime $80/month
    Team Custom

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    GetGenie

    Website getgenie.ai
    Rating 4.2
    Free Trial Yes
    Best For WordPress users — bloggers, content marketers, SEO strategists, agencies — who want AI-powered writing, SEO research, competitor analysis, content optimization, and even AI-generated images.
    GetGenie - Best AI Tools for Creating Viral LinkedIn Content
    GetGenie – Best AI Tools for Creating Viral LinkedIn Content

    GetGenie is an AI writing tool to create genius LinkedIn posts with engagement as well as reach optimization. Therefore, combining content generation with the SEO tool and rival analysis offers a way for people to make posts visible. The LinkedIn post template brings along custom content generation, hashtag suggestion, tone, and creativity levels selection by users. Batch creation can generate several return variants within a few seconds to save time; GetGenie can also integrate WordPress and be operational in a wide variety of dialects. In addition to easy, easily scalable controls for personal and agency use, it comes with an optional in-depth post tracking and multiple plagiarism-free output options, which are flexible.

    Pros

    • Customizable templates, creativity settings, and batch output.
    • In-depth keyword and competitor tracking.
    • Lowers the time needed for high-volume publishing.

    Cons

    • Limited word counts on lower plans.
    • Each plan comes with limitations on SEO analytics.

    Pricing

    Plan Pricing
    Starter $9.99/month
    Writer $19/month
    Pro $49/month
    Agency Limited $99/month

    AuthoredUp  

    Website authoredup.com
    Rating 4.8
    Free Trial Yes
    Best For LinkedIn creators, freelancers, small businesses, agencies — for content ideation, formatting, scheduling, analytics, and reusing posts via a Chrome extension
    AuthoredUp - Best AI Tools for Creating Viral LinkedIn Content
    AuthoredUp – Best AI Tools for Creating Viral LinkedIn Content

    AuthoredUp AI-powered LinkedIn tool that helps users write, edit, schedule, and manage impactful posts with previews and formatting, optimizing hooks, strong endings, emojis, and visuals to make the content unique. Users are able to repurpose top posts, track analytics, and get feedback to see what translates better into performance. This platform also suggests keywords and hashtags that would increase the audience reach and engagement. Facility of team collaboration, scheduling for individual and company profile pages, and ready-to-use templates make it easy to plan and publish LinkedIn content through AuthoredUp. This mostly suits individuals or teams, streamlining workflows while ensuring posts are articulate, polished, and designed for impact.

    Pros

    • Exclusive focus on LinkedIn means relevant output to it.
    • Strong formatting, preview, and engagement tools.
    • Collaborative drafts for teams.

    Cons

    • AI creativity and templates are limited.
    • Basic analytics are not deep audience insights.

    Pricing

    Plan Pricing
    Individual $19.95/month
    Business Plan $14.95/profile/month

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    Kleo

    Website kleo.so
    Rating 4.5
    Free Trial Yes
    Best For LinkedIn creators seeking viral post insights and inspiration directly in their browser.
    Kleo - Best AI Tools for Creating Viral LinkedIn Content
    Kleo – Best AI Tools for Creating Viral LinkedIn Content

    Kleo is a cool free Chrome extension for LinkedIn that allows users to research content and refine their strategy without leaving the platform. It identifies viral posts, tracks trends, and analyzes influencers to show what is working best. Users can manipulate post formatting for engagement, using category filters, preview mode, or hook optimization for the “See More” cut. Kleo also provides competitive analysis and allows users to filter by likes, comments, date, and format to see patterns. It does not generate posts, but it does give a sidebar of high-performing examples. Kleo’s interface is simple and intuitive, making sure this free tool will boost reach on LinkedIn and build a smarter content strategy.

    Pros

    • Free access, no subscriptions required.
    • Competitor and influencer analyses for strategic insights.
    • Formatting in the browser and preview of the post.

    Cons

    • No automation and engagement.
    • Only available as a browser extension.

    Taplio

    Website taplio.com
    Rating 4.3
    Free Trial Yes — 7-day free trial
    Best For Professionals growing their brand on LinkedIn using AI-powered post creation, scheduling, analytics, and engagement tools.
    Taplio - Best AI Tools for Creating Viral LinkedIn Content
    Taplio – Best AI Tools for Creating Viral LinkedIn Content

    Taplio is an AI-oriented LinkedIn assistance for users who want to make a viral post, schedule the content, develop ideas, and analyze performance on one dashboard. It auto-generates posts, hooks, carousels, and content grids and curates viral examples by leading creators to inspire the actual creation of content by its users. Users can also benefit from engagement lists, contact management, and a huge lead database for outreach and growth. With deep analytical insights and intelligent scheduling, Taplio makes it easy to post often and remain consistent. It is simple to use because of its clean interface and learning resources, even for advanced users working in agencies interested in branding, engaging, and widening their reach on LinkedIn.

    Pros

    • Immediate viral content examples and trends.
    • Highly sophisticated analytics and audience tracking.
    • Massive lead database contributes to outreach.

    Cons

    • Expensive, especially for small-scale creators.
    • The learning curve takes time to master. 

    Pricing

    Plan Pricing
    Starter $39/month
    Standard $65/month
    Pro $199/month

    Lempod

    Website lempod.com
    Rating 4.3
    Free Trial No
    Best For Users looking to amplify LinkedIn post engagement via automated pods.
    Lempod - Best AI Tools for Creating Viral LinkedIn Content
    Lempod – Best AI Tools for Creating Viral LinkedIn Content

    Lempod is an AI-construction linked-in automation tool that fosters users to increase reach and engagement via engagement pods—groups that mutually support posts through automated likes and AI-driven comments. This tool lends itself to recruiters, marketers, or anyone interested in personal branding and can multiply post visibility by up to 10 times. Users can join or create targeted pods to reach the right audience, while tracking results through analytics available in the app. The very simple Chrome extension enables quick installation and automated processes, saving time while cultivating genuine interactions. Lempod acts as an accelerator in gaining visibility, opening doors to new connections, and supporting business growth on LinkedIn.

    Pros

    • Augments reach through the automated liking and commenting options.
    • Take part in building specific engagement pods on topics and locations.
    • Analyze the difference in post-performance and pod activity.

    Cons

    • LinkedIn may restrict synthetic accounts that are powered using an automation tool.
    • No advanced content creation or scheduling available.

    Pricing

    Plan Pricing
    Starter $14.99/month
    Essential $29.99/month
    Growth $72.99/month
    Pro $134.99/month
    Agency $269.99/month
    Agency XL $399.99/month
    Corporate $799.99/month
    Enterprise $1499.99/month

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    SocialBee

    Website socialbee.com
    Rating 4.8
    Free Trial Yes
    Best For Social media management with AI-powered scheduling, automation, analytics, and content recycling.
    SocialBee -  Best AI Tools for Creating Viral LinkedIn Content
    SocialBee – Best AI Tools for Creating Viral LinkedIn Content

    SocialBee is an artificial intelligence-assisted LinkedIn management tool that helps the user create, schedule, and optimize with the help of a Copilot assistant. It allows its users to design visuals, write captions, organize content into categories, and preview posts in different formats prior to publishing. From one single dashboard, users get to manage everything with respect to social profiles. The post-recycling option, along with team collaboration and insightful analytics, makes SocialBee the perfect place to optimize and increase engagement and reach. With customized plans, expert help, and extensive automation, the platform is equally suited for solopreneurs, businesses, and agencies. It is very user-friendly and too smartly designed, which helps ease growing on LinkedIn.

    Pros

    • Consolidated dashboard for multi-profile scheduling.
    • AI Copilot for creating strategy, text, and further improvement visuals.
    • Tools for teamwork and client management.

    Cons

    • Overwhelming for novice users 
    • Mobile application sometimes gives poor performance.

    Pricing

    Plan Pricing
    Bootstrap $29/month
    Accelerate $49/month
    Pro $99/month
    Pro50 $179/month
    Pro100 $329/month
    Pro150 $449/month

    Predis.ai 

    Website predis.ai
    Rating 4.7
    Free Trial Yes
    Best For AI-powered creation of social media content (images, videos, ads), scheduling, and competitor analysis.
    Predis.ai - Best AI Tools for Creating Viral LinkedIn Content
    Predis.ai – Best AI Tools for Creating Viral LinkedIn Content

    Predis.ai is an all-in-one AI solution that generates, designs, and schedules LinkedIn posts in accordance with brand voice. Through the integration of SEO-based captions and hashtags, the software suggests novel content ideas that stimulate reach through search engine traffic. The architecture incorporates visual creations, campaign spreads, and videos while performing competitor audits for deeper analysis. Managing multiple brands and profiles via one dashboard becomes simple for users, owing to features like automating schemes of scheduling schemes and extending multilingual support to drag-and-drop planning, thus taking the complication out of posting regularly. The best of Predis.ai allows one to tap into templates, analytics, and digestible interfaces for agencies, businesses, or even solopreneurs.

    Pros

    • Multi-brand management and scheduling can be done all in one place.
    • Captions and hashtags are SEO optimized.
    • User-friendly interface for beginners and support for many languages. 

    Cons

    • Some outputs require tone manual editing. 
    • Posts under free plan have a watermark. 

    Pricing

    Plan Pricing
    Plus $23/month
    Edge $40/month
    Enterprise $212/month

    Conclusion

    Among the main reasons interactive AI writing tools for LinkedIn are championed is that they help create posts that go viral and increase profile visibility. They suggest enticing topics, compose catchy headlines, and automate posts for peak times, thus giving back hours in productivity weekly to users. Trend monitoring, audience targeting, visual design, and real-time post scoring are some of the excellent features that allow users to garner a greater number of likes and comments through each update. By using targeted prompts, analytics, and fast editing, users can focus their message on any intent-whether building their careers or bringing in new leads.


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    FAQs

    What are some Best AI Tools for Creating Viral LinkedIn Content?

    Some Best AI Tools for Creating Viral LinkedIn Content are:

    • Jasper
    • Anyword
    • Supergrow
    • GetGenie
    • AuthoredUp
    • Kleo
    • Taplio
    • Lempod
    • SocialBee
    • Predis.ai

    Can AI tools schedule and automate LinkedIn posts?

    Yes. many tools allow post scheduling, auto-publishing, and content recycling, saving time and ensuring consistency.

    Do AI tools for LinkedIn improve engagement and reach?

    Yes. Features like SEO optimization, hashtag suggestions, engagement pods (Lempod), and auto-CTAs boost post visibility and increase likes, comments, and profile growth.

  • Integrating AI into Medical Curricula: Preparing Future Physicians for a Digital World

    This article has been contributed by Dr Vaishaly Bharambe, MBBS, MD, PhD-Anatomy Counsellor and Medical Educator. Founder: VB Anatomy Academy (YouTube channel)

    There has been a rapid rise in artificial intelligence (AI), and this is reshaping nearly everything in our modern life. So it goes without saying that medicine is not an exception to this. Across the world, healthcare systems are under immense pressure, the number of the patient load is increasing, the complexity of diseases as we begin to understand them have placed further demand for treatment, there is more demand for precision of care, there is tremendous amount of legal answerability, and the pressure on the medical world is immense. 

    Into this world, AI has come as a powerful friend and ally. In simple administration, it is able to take stock, it is able to note the number of patients visiting a hospital regularly, it is able to follow up on patients appointments, able to give hospital possible predictions of patient load, and so much else. It has also become an ally in the form of apps, where it is helping the clinicians to make decisions, which are often transforming their medical practice.

    So there is a dependency of the medical world on AI. Now, if this is the extent to which AI is involved in the medical treatment, running of hospitals and so on, then shouldn’t the medical student who is going to come out into this world after education, not be taught about this involvement of AI and the help of AI in the medical treatment?

    What is it they need to know about AI? The future physicians need to be taught how to use AI, to what extent AI is involved in the machines that they are using, and the ethics of utilizing the AI for decision making, while remembering that final answerability remains that of the treating doctor.

    How then can we prepare our future physicians for this digital world involving tremendous dependency on AI? 

    I think the start of integration of AI into the life of a physician can begin in the education period of the student itself. AI has become a powerful tool in any form of education today. More and more universities are using AI in various ways for education of students. So, the role of AI in the life of medical student should begin during the period of medical education. Today, AI is being used for personalized learning. For example, if a student is struggling with a subject, for example, say anatomy, the AI can become like a personal tutor, guiding that student towards simpler content, helping the student build up strength in the weaker areas, and then gradually placing before that student advanced concepts. This step-by-step guidance by the AI helps the learner cope with difficult subjects in a more gentle and tapered manner, helping them fill up the gaps in their understanding, building up concepts, and then reaching for more complex concepts. 

    AI is also capable of giving personalized feedback to the students. So, not only is AI capable of checking multiple choice questions that the student might have answered, but it is also capable of analysing longer, lengthy essays of students. So, for medical students who are buried under mountains of information, such guidance will become invaluable, especially because such personalized guidance is nearly impossible to get considering the number of medical students being trained on a daily basis all over the world and where the student to the trainer ratio is not enough to allow for such personalized feedback. 

    AI Enhanced Medical Training Funnel
    AI Enhanced Medical Training Funnel

    Not only does AI help the student learn, understand concepts, it is also of great use in providing safe environment for students to practice. It’s able to create virtual patient platforms, creating patient histories, setting questions for students and testing the students to take clinical decisions in the given scenarios that are being presented by the AI without really harming the real patients. Such repeated exposure to artificial scenarios presented by the AI builds confidence and helps the students explore their own understanding of the disease and patient presentation before actually encountering real patients, making them better prepared to be able to take correct decisions in the real life. 

    Having trained in theory as well as practical, the student must also understand that the world they step into involves AI being a part of important investigations. For example, in case of radiology, AI is intricately involved in analysing x-rays, CT scans, MRIs. While not replacing radiologist himself, AI helps access a patient, highlighting abnormalities quickly, accurately and consistently. The advantage of AI here lies in the fact that it is consistent and it does not have the human element of fatigue, therefore, a little more reliable at times. Where training is concerned, the AI can also be used to train the student in the interpretation of radiological images.


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    Similarly, in case of microscopy, say, be it histology or pathology, AI has become a powerful tool in reading and analysing these slides. During the training years, it can be used to sharpen the student’s observational skills by showing the student the slide explaining what to look for and why and in the clinical practice, it helps the pathologists zoom in on the abnormalities in the slide presented. Even in the field of pharmacology, AI is always available to calculate dosage as per the weight of the patient. Parallelly, it is also sometimes available on the patient in the form of monitors that patients attach on their body and through which they get the correct dosage of the drug at all times. 

    Thus, the world student steps into already has deep involvement of AI in the functioning of the physician. The future physician must be made aware of the help they will be receiving from the AI, guiding them towards correct decisions, functioning as a powerful assistant. However, it is at this time that it becomes important to point out that this AI will always remain only that, an assistant. 

    There will be times when despite AI’s recommendations, the physician’s instinct might guide the physician towards some other diagnosis. This is the point where the physician’s self-confidence and professional integrity will be greatly tested. It’s very easy for the physician to fall into the trap of believing that AI knows better, but the judgment has to be that of the treating physician only. That is something that will take courage. Over a period of time, it may also happen that excessive reliance on the AI will erode the ability to make correct judgment calls. This also is something every physician will have to guard against. 


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    Another challenge that the physicians will soon face is that with the presence of AI, all the information related to the patient will become very difficult to keep completely confidential. It is at this time that the physician must realize the necessity for them to have adequate digital fluency and knowledge to make sure that the patient confidentiality is not breached because of the excessive use and exposure to AI. So with this will come the burden of necessity to educate themselves well in the digital medium. 

    So I’d like to conclude by saying that AI is not going anywhere. 

    The AI can guide the future physician towards the possible diagnosis. There will be more and more dependency of clinicians on AI. Now it is up to the future physician themselves to take a call how much they wish to depend on AI and how much they wish to continue to take critical patient decisions by themselves based on their own clinical acumen using AI only as an assistant. But they mustn’t forget that the final word must always remain that of the treating physician himself. Legal, ethical, and professional accountability will also always remain theirs.


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  • Top AI Apps that help you save Money

    AI applications for saving money will track spending, locate bargains, and automatically set budgets for users. These apps alert users about discounts and coupon suggestions, draw attention to unused subscriptions, and assist users in canceling them with ease. These apps usually learn the spending habits of their users and encourage smarter decisions with the option to compare prices and app information before making purchases. Some will assist in splitting bills with friends, while others help in tracking savings goals, making it easier to set something aside each month. A lot of tools offer just simple graphs of expenses and savings for easy catching of trends. 

    App Core Features Platform Availability
    Cleo Chatbot-style budgeting, savings challenges, cash advance (up to $250), credit builder card iOS, Android
    Wally Global expense tracking, 60+ currencies, visual dashboards, joint/group budgeting iOS
    Rocket Money Subscription tracking & cancellation, bill negotiation, spending insights, auto-saving iOS, Android, Web
    Monarch Money Unified tracking (bank, loans, investments), family collaboration, Sankey cash-flow charts iOS, Android, Web
    Plum Auto-savings, round-ups, bill switching, pension consolidation, investment options iOS, Android (UK/EU focus)
    Acorns Round-up investing, automated portfolios, retirement accounts, family/child accounts iOS, Android
    Trim Subscription cancellation, bill negotiation, budgeting tools, finance concierge Web (mobile-friendly)
    PocketGuard Expense tracking, “In My Pocket” leftover-cash view, bill negotiation, debt payoff planning iOS, Android
    YNAB Smart Planner Zero-based budgeting, scenario planning, goal tracking, group budgeting (YNAB Together) iOS, Android, Web

    Cleo

    Website cleo.ai
    Rating 4.6
    Free Trial Yes
    Best For Personal finance management with AI-powered budgeting, saving, and spending insights through a chatbot interface.
    Cleo - Top AI Apps that help you save Money
    Cleo – Top AI Apps that help you save Money

    AI-driven Cleo is an application that helps people save money by tracking spending, with budget tips, and suggestions for customized savings challenges. Feedback from the chatbot is in a fun chat style, with alerts for bills, and the emergency provision of cash advances of up to $250. Users can gain insights into their spending for a basic free service or upgrade for more extras like credit-building, overdraft alerts, and high-yield savings. This money management app lowers stress through active reminders and a flirtatious approach. Access to the Cleo learning algorithm tracks harmful spending patterns and encourages users to develop better habits using simple goal-setting and handy tools.

    Pros

    • Automated savings challenges and the categorization of expenditures 
    • Emergency cash advances of up to $250 Credit 
    • Builder card for raising credit scores 

    Cons 

    • Some features are behind paywalls 
    • Doesn’t offer direct bill payment

    Pricing

    Check Play Store/App Store

    Wally

    Website wally.me
    Rating 4.5
    Free Trial Yes
    Best For Individuals seeking smart expense tracking, budgeting, and personal finance management with global currency support.
    Wally - Top AI Apps that help you save Money
    Wally – Top AI Apps that help you save Money

    Wally gives a helping hand to save money in AI by tracking spending, setting budgets, and organizing loans in one place. It connects to bank accounts worldwide, manages currencies, and presents easy-to-understand charts on every bill, budget, and goal. Users enjoy daily expense tracking, automatic updates, and smart reminders as to when to pay. The app is activated for families or individuals with highly secure syncing and group money-tracking features. Wally’s clean design is best suited for visual learners and keeps budgeting fun. The users can check out their financial health across all their accounts and gain key insights into where their money goes, helping them fine-tune their habits towards saving more.

    Pros

    • Connects with 15000 banks all over the world, from 70 countries. 
    • Cater to 60 currencies for a traveler or global user; has goal planning 
    • Visualized dash boards for tracking very easy for everyone. 

    Cons

    • Limited to iOS only, with no Android edition. 
    • Not all joint budgets or unlimited accounts have appeared in the free version. 

    Pricing

    Check Play Store/App Store


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    Rocket Money

    Website rocketmoney.com
    Rating 4.4
    Free Trial Yes
    Best For Users who want to manage subscriptions, track spending, lower bills, and improve savings with personalized finance tools.
    Rocket Money - Top AI Apps that help you save Money
    Rocket Money – Top AI Apps that help you save Money

    Rocket Money is an app powered by AI to track your spending, identify and delete unused subscriptions, and haggle with service providers on your behalf to save money. It links up to your bank, pinpoints repeat payments, and offers you simple-to-use displays, showing you how you’re doing against your budget. Smart reminders paired with automatic saving make managing money easy while premium features provide a credit report, net worth tracking, and unlimited budgets. The smooth design works easily on iOS, Android, and desktop for speedy access, thereby ensuring that financial health tools are just a click away. Rocket Money helps users to expose wastage and increase their savings almost effortlessly.

    Pros 

    • Concierge fast subscription cancellation option 
    • Bill negotiation service that can effortlessly reduce expenses
    • Visual spending snapshots for smart tracking 

    Cons

    • The bill negotiation fee is 30-60% of first-year savings. 
    • No investment management or comprehensive financial planning. 

    Pricing

    Check Play Store/App Store

    Monarch Money

    Website monarchmoney.com
    Rating 4.7
    Free Trial Yes
    Best For Families and individuals seeking collaborative budgeting, financial tracking, and goal planning with bank sync and investment insights.
    Monarch Money - Top AI Apps that help you save Money
    Monarch Money – Top AI Apps that help you save Money

    Monarch Money comprises an advanced AI budgeting system that integrates bank accounts, credit cards, loans, real estate, and investments into one place, apart from tracking spending. It arranges all the transactions and identifies subscriptions that can be canceled easily. Each user can get specifically designed budgets, detailed charts, and investment analysis while tracking real-time statuses of their goals via a clear and easy-to-use design. Monarch incorporates family collaboration, supports bank-level security, and provides syncing with over 13,000 institutions. It is designed for iOS, Android, and web-based platforms, making intelligent budgeting and saving easy for individuals as well as households looking to maintain complete control of their finances.

    Pros 

    • Consolidated dashboard overview for all accounts 
    • Profound investment and goal tracking 
    • Sankey diagram and advanced visualizations on the cash flow

    Cons

    • Premium pricing that is higher than most alternatives 
    • With certain banks, the syncing issue may arise randomly 

    Pricing

    Plan Pricing
    Monthly $14.99 / month
    Yearly $8.33 / month

    Plum  

    Website withplum.com
    Rating 4.5
    Free Trial Yes
    Best For Automated saving and investing app that helps users budget smarter, grow savings, and invest effortlessly using AI insights.
    Plum - Top AI Apps that help you save Money
    Plum – Top AI Apps that help you save Money

    Plum is an application powered by Artificial Intelligence that automatically saves money for its users after analyzing their expenditure and depositing small amounts into savings accounts. It also provides round-up facilities and custom savings modes, bill-switching to reduce utility costs, and invests for individuals into professionally managed funds or ISAs. Plum connects with UK banks, advises how to save, allows instant access to money held, reinforces helpful reminders, and provides finance breakdowns. Users grow wealth through smooth auto-deposits and could also keep track of their budgets, set goals, and consolidate pensions all in one secure, easy-to-use app. The simple and adaptive AI makes it seem effortless to save and helps users save without changing their routine.

    Pros 

    • Habitual auto-saving that doesn’t stress you out 
    • Bill swapping gets you through a deal at breakneck speed 
    • Roundups increase the lift into savings by collecting spare change 

    Cons 

    • Only paid plans can feature investment tools. 
    • International access limitations apply.

    Pricing

    Plan Pricing
    Plus $5.39 / month
    Boost $10.79 / month
    Max $16.19 / month

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    Acorns

    Website acorns.com
    Rating 4.6
    Free Trial Yes
    Best For Beginners looking to start investing easily through round-ups, automated portfolios, and long-term wealth-building tools.
    Acorns - Top AI Apps that help you save Money
    Acorns – Top AI Apps that help you save Money

    Acorns is hugely reliant on artificial intelligence to help with money savings and investment-aiding people. The extra amounts include the pennies rounded up from cash purchases and the difference allocated into portfolios made by experts for consumers. Thus, investment automation, finances gained through purchases, and fractional stock purchases are all made available within the application. This portfolio includes retirement accounts and opportunities for investing in a socially responsible way. Acorns Early is an account available to parents through which, through Acorns, they can manage their children’s accounts. It allows recurring contributions and saves simple lessons on money. It is, of course, safeguarded by very trusted custodians and with amazing safety.

    Pros 

    • Round-up investing makes saving effortless. 
    • Start investing with little money. 
    • Cash-back rewards with select purchases. 

    Cons 

    • Fewer portfolios to choose from–no custom picks. 
    • No access to human advisors for individualized assistance. 

    Pricing

    Plan Pricing
    Acorns Bronze $3 / month
    Acorns Silver $6 / month
    Acorns Gold $12 / month

    Digit

    Website digit.co
    Rating 4.4
    Free Trial Yes
    Best For Individuals seeking automated saving, budgeting, and investing tools that adapt to spending habits and financial goals.
    Digit - Top AI Apps that help you save Money
    Digit – Top AI Apps that help you save Money

    Digit is your financial app for savings powered completely by AI; depositing of cash is simplified, made absolutely effortless, eliminates all stress. It takes into consideration all the income, bills and spending, and then moves small amounts from checking to savings without needing any planning. The app can save automatically, pay bills, pay down debt, save small discretionary amounts, and even create retirement goals. It sends instant alerts each time a transfer is made and helps avoid an overdraft. You can also set up personal rules for getting to your savings target more quickly. Designed simply, with dashboards that are clear, it fits the busy person who wants to track his funds on the go.

    Pros 

    • Savings are automatically adjusted to income and habits. 
    • Includes bill payment and debt paydown tools. 
    • No need for manual transfers—progressive saver. 

    Cons 

    • Some features limited to US-based accounts. 
    • Requires sharing bank login information to achieve full automation.

    Pricing

    Plan Pricing
    Essentials $65 / month
    Core $100 / month
    Professional Custom

    Trim 

    Website asktrim.com
    Rating 4.3
    Free Trial Yes
    Best For Users wanting to cancel unwanted subscriptions, negotiate bills, track spending, and save automatically with AI-driven insights.
    Trim - Top AI Apps that help you save Money
    Trim – Top AI Apps that help you save Money

    Trim is an AI-powered app designed to help users save money and make managing their expenditures easier. It scans transactions for repeated charges and cancels unwanted subscriptions. Trim also negotiates reduced bills for cable, internet, and utilities, thereby allowing users to save without any hassle. The app includes a free budgeting tool that makes it very easy to track expenses and set goals. With bill negotiation, customers only pay a fee if savings are secured, making it a risk-free process. For further assistance, a finance concierge personally counsels the user on a pay-what-you-want basis. Trim is running on a secure, mobile-friendly website rather than a mobile app, so that anyone can get started quickly.

    Pros

    • Payments are required only if savings are secured. 
    • All users get free tracking and cancellation of subscription. 
    • It gives a fair opportunity for a personal finance coach

    Cons

    • Budgeting tools are not a strong suit versus the top competitors. 
    • Success fees deducted at the inception can affect the expenses of the present month.

    Pricing

    Sign up


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    PocketGuard 

    Website pocketguard.com
    Rating 4.5
    Free Trial Yes
    Best For Individuals who want to control spending, track bills, and optimize budgets with a simple “In My Pocket” money management view.
    PocketGuard - Top AI Apps that help you save Money
    PocketGuard – Top AI Apps that help you save Money

    PocketGuard is an AI budgeting app that helps people track expenses and save more easily. It links directly with bank accounts and credit cards, sorting spending and bills into one neat space. And since the app auto-categorizes transactions, it can find ways you might save money, and it uses its “In My Pocket” tool to show you just how much cash you’ve got left after your goals and payments. Users can set custom goals, build rollover budgets, and plan for debt payoff. Alerts in real-time warn against any out-of-the-ordinary spending, while bank-grade security stands watch to protect the user’s data.

    Pros

    • Free cash budgetary tracker just for “In My Pocket” use. 
    • Negotiates your bills with major providers. 
    • Live alerts and security features. 

    Cons 

    • Specific transactions require manual entry. 
    • Most features need premium

    Pricing

    Plan Pricing
    Monthly Plan $12.99 / month
    Yearly Plan $6.25 / month

    YNAB Smart Planner 

    Website ynab.com
    Rating 4.8
    Free Trial Yes
    Best For Users seeking proactive budgeting with real-time tracking, goal planning, and debt payoff strategies using the YNAB method.
    YNAB Smart Planner - Top AI Apps that help you save Money
    YNAB Smart Planner – Top AI Apps that help you save Money

    YNAB Smart Planner is an artificial intelligence-driven budgeting application based on a zero-sum budget, so that every single rupee is accounted for: from bill payments to savings. It connects with bank accounts, categorizes expenses, and forecasts cash flow to keep the user one step ahead. Scenario tools allow users to prepare for risks or changes in their lives. An “age of money” report gives insight into financial health, while real-time goals with detailed breakdowns leave no doubt as to where one could cut back. YNAB Together allows groups of a maximum of five people to budget together. The app is available on mobile and desktop to give its users full control from anywhere.

    Pros

    • Unique Zero-based budgeting for maximum savings. 
    • Scenario planning and goal tracking using AI. 
    • Share budgets with a maximum of 5 users (YNAB Together). 

    Cons

    • No automatic cancellation of subscriptions. 
    • Manual and time-consuming management of budgets. 

    Pricing

    Plan Pricing
    Monthly Plan $14.99 / month
    Annual Plan $9.08 / month

    Conclusion

    The apps help in saving money by letting people make intelligent choices easily. They keep a track of the expenses, identify the wasteful ones, and increase savings with little effort. Each of them has a simple dashboard and uses data to show where cash flows, so one can change his/her habits easily. With the assistance of bill alerts and budget tips, people get the required track to pursue. Some offer cash-back, round-ups, or even help with investments, so that to feel that growing wealth is automatic. Group plans make savings for the families easy, and reminders help avoid late fees. Using advanced security, these applications keep money safe while guiding smarter moves.


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    FAQs

    How do AI money-saving apps work?

    AI-powered finance apps track your spending, categorize expenses, locate bargains, suggest coupons, and even cancel unused subscriptions.

    Are AI budgeting apps safe to use?

    Yes, most leading apps use bank-level encryption and security measures.

    Can AI finance apps help improve credit scores?

    Yes, apps provide a Credit Builder card that helps users build or repair their credit history while also tracking spending and offering savings challenges.

  • Life After IPO: What Founders Need to Focus On

    This article has been contributed by Rajmohan Krishnan, Principal Founder and Managing Director, Entrust Family Office

    The ringing of the bell on listing day is one of the most significant moments in the life of a founder. All the sweat, toil and tears over the years have finally paid off, and the vision they started their entrepreneurial journey with is vindicated to a great extent. But here’s the big question: What comes next after the Initial Public Offering (IPO)?

    For many Indian founders today, going public isn’t just about making money, but about establishing a legacy that will endure beyond them. Hence at this time, founders need to shift their focus from building and scaling the business to ensuring that their hard-earned success translates into lasting wealth and impact. This article explores what founders should prioritize around an IPO, in order to achieve this end.

    Before the IPO vs After the IPO
    Before the IPO vs After the IPO

    Before the IPO: Set the Stage for What’s to Come

    Wealth & Liquidity Planning

    After a significant liquidity event like an IPO, the founder’s personal financial landscape changes overnight. However, the risk lies in viewing this liquidity as a final destination. Meticulous planning is needed at this stage, in order to ensure that the wealth is protected and grown.

    Founders need to thoughtfully structure their holdings: how much equity to keep, when and how to exit, and how to diversify across different asset classes. A solid tax strategy is also important, to avoid unexpected tax liabilities. 

    Building the Family Governance Framework

    An IPO is also a significant moment for the founder’s family – each family member has expectations from the newly gained wealth. With increased expectations and potential for conflicts, family governance becomes important.

    Founders need to consider setting up a family constitution, along with structures to ensure that their wealth is protected in alignment with their values. Governance frameworks can help in preparing family members for their responsibilities and avoid misunderstandings in the future.

    Setting the house in order

    Before the company goes public, founders need to take the time out to assess their financial landscape. The focus areas at this time need to be capital structuring, strategy for using the IPO proceeds and identifying risks to be addressed early on. 

    After the IPO: Liquidity to Legacy

    Crafting a Smart Portfolio

    Liquidity can result in unnecessary risk taking and opportunistic investments. But founders need to exercise discipline and build a professionally managed, well diversified portfolio that is aligned to their values and risk tolerance. This will enable their wealth to grow across generations, in accordance with their belief systems.

    Giving with Intention

    Philanthropy is often seen as something to think about later in life. But this is a good time to plan for meaningful giving. Founders can look at charitable trusts, foundations or impact funds that are aligned to their values.

    This will also set an example for future generations, making philanthropy a part of the family’s legacy.

    Preparing the Next Generation

    Preparing the Next Generation for Wealth
    Preparing the Next Generation for Wealth

    A significant challenge after an IPO involves getting the next generation ready to inherit. Sudden wealth can lead to a sense of being weighed down or of feeling entitled, both of which are avoidable. What is required is to instil a sense of stewardship, with the help of mentorship and structured guidance.

    Children need to be involved early on in conversations that make them understand the responsibilities related to wealth, so that they slowly grow into their roles rather than feeling overwhelmed. 

    Planning for the Future

    At this stage, estate and succession planning become very important. These are difficult topics to deal with in harmonious times, but avoiding them can lead to significant confusion and conflict in the future.

    Founders need to establish clear plans for inheritance and business succession and ensure that tax efficient structures are in place. This will help ensure a peaceful transition of wealth across generations, ensuring continuity and family harmony.

    Setting Up a Private Office

    Streamlining Wealth Management Post - IPO
    Streamlining Wealth Management Post – IPO

    Many founders come to realize that after going public, managing their wealth, philanthropy, family governance, and compliance can quickly turn into a full-time job. At this stage, establishing a private office or family office might make sense. This would ensure that the day to day management of wealth and legacy is taken care of, leaving the founder to focus on the bigger picture. 

    The Real Legacy Starts After the IPO

    An IPO is a very important milestone, but it is the beginning of a crucial journey. By planning carefully and setting structures in place in order to protect and nurture their wealth and legacy, founders can ensure that this moment of success creates something lasting and meaningful.


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  • Daily Indian Funding Roundup & Key News – 5th September 2025: L Catterton Marks $200M Fund Close, Dectrocel Raises ₹4 Cr, Delhivery ESOP Grant & More

    5th September saw key moves in India’s startup and business space. L Catterton marked the first close of its $200M India fund, while Dectrocel raised ₹4 Cr for its AI diagnostics platform. Delhivery granted ESOPs worth ₹20.6 Cr, Motilal Oswal turned bullish on Swiggy and Eternal, CRED launched digital gold savings, PM Modi pushed for swadeshi promotion, and Freshworks founder Girish Mathrubootham announced his exit.

    Daily Indian Funding Roundup – 5th September 2025

    Company Amount Round Lead investor(s) Sector
    L Catterton India Fund $200 Mn First Close (Fundraising) IFC; Kotak Private clients; L Catterton Asia (capped at 19.9%) Consumer / Private Equity Fund
    Dectrocel ₹4 Cr Seed / Funding IAN Group-powered BioAngels; PadUp Ventures; Vinners (IAN’s Nitin Zamre, Samir Kalia, Mitesh Shah) Healthtech / AI diagnostics

    L Catterton’s India-centric consumer fund marks first close at $200 Mn

    L Catterton’s India-focused consumer fund (Fund I) has achieved its first close at $200 million. Backed by IFC, some Kotak Private clients, and L Catterton Asia (capped at a 19.9% commitment), the fund aims to raise up to $400 million with a $200 million greenshoe option. It will target mid-market consumer businesses in food & beverage, healthcare, retail, and more, planning 7–9 investments with cheque sizes of $25–150 million. It has already backed D2C healthy-snacking brand Farmley.

    Health-tech startup Dectrocel raises ₹4 Cr led by IAN Group-backed BioAngels

    Dectrocel, a health-tech startup developing AI-powered diagnostic solutions, has raised ₹4 crore in a round led by BioAngels, with participation from PadUp Ventures and Vinners. Founded in 2020, the company’s flagship product DecXpert—approved by CDSCO—delivers faster and more accurate medical imaging analysis. The new funding will help expand operations across India, enhance multimodal AI technology, explore global markets, and introduce new diagnostic modules for CT, MRI, PET-CT, and HPB workflows.

    Key Business News for 5th September 2025

    Delhivery grants ESOP worth INR 20.6 Cr

    Delhivery has approved grants of 4,36,800 stock options under its ESOP 2012 and 2021 schemes—85,700 from ESOP-2012 and 3,51,100 from ESOP-2021—on September 4, 2025. At a current share price of INR 467 and an exercise price of INR 1, this equates to a value of about INR 20.4–20.6 crore. The ESOPs will vest over up to four years, subject to employment conditions. In Q1 FY26, the company reported a 5.6 % YoY revenue uptick to INR 2,294 crore and a profit of INR 91 crore.

    Motilal Oswal turns bullish on Swiggy, Eternal amid GST tailwinds

    Brokerage firm Motilal Oswal has upgraded Swiggy to a “buy” with a target price of INR 560 and reaffirmed a “buy” on Eternal with a INR 420 target, citing rising momentum in India’s food delivery and quick commerce sectors. Key tailwinds include upcoming festive season demand and GST reforms that leave more disposable income in consumers’ hands. Analysts anticipate 21–23 % growth for both platforms over FY26–27, as discounting eases and operational leverage improves.

    CRED takes on Jar with digital gold rewards and savings feature

    CRED has launched a pilot of a digital gold savings feature that provides select users up to INR 50 in 24-karat gold cashback into an in-app wallet. Users can accumulate gold holdings in grams and rupees, with insured delivery and coin conversion options. This initiative directly competes with micro-savings app Jar, aligning with the trend of gold-based everyday savings among digitally savvy Indians.

    Promote swadeshi products; every shop, house must have ‘har ghar swadeshi’ board: Modi

    Prime Minister Narendra Modi called on citizens—especially students and educators—to champion the “vocal for local” movement. In a recent address to National Teacher Awardees, he encouraged schools to host “Swadeshi Day/Week”, have students showcase indigenous products, and install “har ghar swadeshi” boards on homes and shops. The initiative emphasizes pride in Indian-made goods, interaction with local artisans, and reducing dependency on imports.

    Freshworks founder Girish Mathrubootham to step down from company

    Girish Mathrubootham, founder of SaaS firm Freshworks, will step down as Executive Chairman effective December 1, 2025, to fully focus on his venture fund, Together. The transition—disclosed via an SEC 8-K filing—will see Roxanne Austin, the lead independent director, become Chairperson. The change, described as amicable, marks a leadership shift four years after Freshworks’ IPO.


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  • Real Money Gaming Ban Forces Head Digital Works (A23 Parent) to Lay Off 500 Staff

    The parent company of online gaming platform A23, Head Digital Works, is cutting off over 500 workers, following in the footsteps of MPL, PokerBaazi, and Games24x7. According to Storyboard18, the company is keeping about 200 workers while laying off roughly two-thirds of its workforce. This declaration was delivered by Head Digital Works at a town hall meeting on 5 September.

    Head Digital Works CEO Siddharth Sharma told media outlets in a statement that the company would give affected employees severance pay. According to Sharma, Head Digital Works’ employees have been essential to the company’s expansion, and the company carefully considered its options before deciding to let go of a sizable portion of its workforce. The business will make sure that this shift is managed responsibly, offering people affected significant support and severance, and the brand will continue to be appreciative of their contributions.

    Brand Exploring New Business Model for Future Growth

    Sharma stated that the company is now examining several business models for its future while outlining its intentions for future expansion. “We are certain that a balanced framework will develop over time, and we are still dedicated to creating a robust future and investigating new prospects for the business, even though recent legislative developments made this action necessary,” Sharma stated.

    The company’s real money gaming (RMG) business has abruptly shut down due to the Promotion and Regulation of Online Gaming Act, 2025, which was signed into law by President Droupadi Murmu on August 22. In the Karnataka High Court, Head Digital Works has contested the act that outlawed RMG.

    Head Digital Works, which was founded in 2005, claimed to have over 70 million users and provided a number of real money games, including A23 Rummy, A23 Poker, and Cricket.com. However, following the Online Gaming Bill’s passage in Parliament, it was forced to stop offering real money games.

    Industry-Wide Impact: MPL, PokerBaazi, Games24x7, and More

    The new act has stopped the RMG business as a whole, not just Head Digital Works. Startups are switching to new models and firing staff in order to adapt to the new business reality after closing their real money games. Games24x7 has begun cutting staff, while Mobile Premier League intends to lay off over 60% of its employees in India.

    Moonshine Technology, which ran PokerBaazi and was backed by Nazara Technologies, has also begun firing staff members. Others, such as Dream Sports, the parent company of Dream11, have refocused on growing FanCode, their sports streaming service, and looking for opportunities in the AI market. Now offering its real money games in other countries like the US, WinZO has ventured into the microdrama space.

    Quick
    Shots

    •Layoffs announced at a town hall on
    September 5, 2025.

    •Ban on real money gaming (RMG) under
    the Promotion and Regulation of Online Gaming Act, 2025.

    •Employees will receive severance
    packages and transition support.

    •Company exploring new business models
    for future growth despite RMG ban.

  • Luxury Housing Boom: Will High-end Projects Support India’s Real Estate Drive?

    This article has been contributed by Mr. Nagabhushana Reddy, Founder & Managing Director, NBR Group

    If you need to know India’s residential cycle in late 2024–2025, track the money—and currently, the money is moving into luxury and high-end homes in the metros. From Mumbai’s record ticket sizes to Bengaluru’s growth corridors, high-end projects are supporting overall sales values while volumes temper from last year’s highs. The key question is if this top-heavy push can carry industry momentum up to 2026.

    The Premium Engine Under the Hood

    New information in ANAROCK’s quarterly Pan-India Residential Market Viewpoints shows a changing market. During Q2 2025, sales volumes in the top seven cities decreased by 20% year-on-year to approximately 96,300 units. However, aggregate sales value crept higher by 1% to INR 1.47 lakh crore—plain proof of customers upgrading. Average prices went up 11% y/y, with Bengaluru improving by 12% and NCR rising by 27%.

    Luxury (INR 1.5–2.5 crore) and ultra-luxury (>₹2.5 crore) markets are progressively on top. In Q2, luxury alone represented 27% of fresh supply, whereas ultra-luxury contributed another 19%. This skew wasn’t new. Even in Q1 2025, the two combined represented 42% of launches in the leading seven cities, whereas affordable supply dwindled to merely 12%. Developers are consciously focusing on more margin-sensitive projects for buyers with deeper pockets.

    Even while unit sales cooled, prices kept going up—up 17% y/y in Q1, driven by Bengaluru and NCR. And it is no “price illusion.” Pre-sales market-wide reveal real traction: listed builders recorded historic pre-sales of over INR 1.6 lakh crore in FY25, and in Q1 FY26 alone, the top 10 players booked over INR 44,000 crore—close to 30% of their full-year goals in just one quarter.

    Mumbai and NCR are still leaders in absolute terms, but Bengaluru leads the way in consistency. The city not only achieved double-digit price appreciation but is also seeing high-end launches pouring in across Sarjapur, Whitefield, and North Bengaluru. Backed by IT-driven job centers and planned metro and road corridors, Bengaluru’s premium demand appears less cyclical and more structural—directly linked to increasing incomes and continued white-collar job generation.

    Why Premium Is Winning: Incomes, Aspirations—and Credibility

    Three factors account for the outperformance of premium housing:

    • Increasing upper-middle and HNI incomes:- Growth in the formal sector, technology-enabled employment, and stock-market wealth impacts have increased the number of potential buyers willing to stretch for INR 1.5–INR 5 crore homes. Even as sales volumes ease, realizations remain intact because the buyer mix is becoming richer. Bengaluru, with its IT and startup wealth clustering, is a classic example of this trend.
    • Execution credibility of Grade-A developers:- Following years of consolidation, customers are rewarding builders with credentials, open RERA-compliant procedures, and timely delivery. Top-end buyers, above other groups, crave brand trust—having faith that their investments would deliver what was warranted.
    • Product-market fit:- Contemporary high-end apartments are sold less as bigger houses and more as holistic lifestyle offerings: private clubs, concierge, managed facilities, and security. Launches are being planned by developers to address this need, and that is why luxury and ultra-luxury supply stakes have remained elevated up to 2025.

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    Metros in Focus—and Bengaluru’s Sarjapur Story

    Demand for premium is still metro-focussed. ANAROCK data indicates MMR, Pune, Bengaluru, and NCR collectively contributed ~79% of sales in Q2 2025 and equally disproportionate share of new launches. Prices have grown steepest where employment and infrastructure are clustered, as expected.

    In Bengaluru, Sarjapur Road-Gunjur has evolved into a marquee destination. An ANAROCK micro-market report (Jan 2025) points to the recipe: location near Outer Ring Road IT corridors such as Bellandur and Eco Space, access to Whitefield and Electronic City, and a list of mobility improvements in the pipeline such as the ORR Metro (Phase 2A, by 2026), Sarjapur–Hebbal Metro (Phase 3A, by 2031), and the Peripheral/ Satellite Town Ring Roads.

    As of Q3 2024, the average price in Sarjapurroad-Gunjur stood at ~₹9,700/sq ft, registering ~62% appreciation over 2018. The micro market experienced a lean nine-month inventory overhang and a budget mix moving steadily upwards. Between 2018 and Q3 2024, Sarjapur supplied 31% of East Bengaluru’s residential supply, and in 2024 alone, contributed 23% in just the first three quarters—a testament to enduring developer conviction.

    Premium Housing: Momentum with Caveats

    Maintaining Real Estate Credibility
    Maintaining Real Estate Credibility

    Premium demand continues to anchor India’s real estate values, even as overall unit sales are moderate. Stable jobs, urban wealth creation, and disciplined execution have kept prices firm, inventories declining, and pre-sales visibility strong. Metro micro-markets like Bengaluru’s Sarjapur belt and Hebbala Extension remain resilient demand pools that cushion the cycle.

    Still, there are risks. Input costs drive developers towards higher-ticket launches, international uncertainty can subdue NRI and HNI buying, and lapses in execution could undermine investor confidence. At the same time, slender affordable supply exposes weakness should wage growth stall or mortgage rates increase. The sector’s direction depends on maintaining credibility, keeping costs in check, and finding the right balance for the demand barbell.

    Bottom Line

    India’s housing market has turned firmly from a volume-driven to a value-driven era, with high-end and luxury projects driving the cycle. The evidence—firming prices, buoyant sales values, and healthy pre-sales by top developers—points to this motor being able to continue running.

    But to maintain momentum into FY26 will mean doubling down on two essentials: execution credibility (prompt delivery, clear specifications, and good post-handover services) and capital discipline (capital-led launches, sensible pricing). Provided developers deliver on these terms—and provided infrastructure keeps sewing India’s jobs nodes and residential corridors together—micro-markets such as Bengaluru’s Sarjapur will continue to anchor the upmarket narrative while absorbing cyclical shocks.

    That is, premium can pass the baton, but only if the ending is as reliable as the beginning.


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  • Perks vs. Pay: Driving Employee Retention and Beyond

    This article has been contributed by Dr. Brillian S. K., Chief People Officer, TimesPro

    The debate sounds familiar, but the context has changed. A decade ago, candidates asked, “Is Provident Fund a part of the salary?” In 2025, they ask, “How much will I receive in hand?” The compensation conversation has shifted from deferred promises to immediate utility. In this landscape, pay anchors retention, especially in India, yet it cannot sustain it alone.

    Global salary budgets remain steady in the mid-three percent range across mature markets (roughly 3.2%–3.6%, with the U.S. near 3.5%), signalling targeted, not expansive, pay moves. India is an outlier: despite moderation, planned increases for 2025 were around 9.2%, among the world’s highest, making market-aligned, take-home pay table stakes rather than a differentiator.

    This leads to a very fundamental question, ‘Why don’t perks outweigh salary?’ Lifestyles and financial behaviours have evolved over the last few years. Younger professionals prefer to spend NOW rather than harvest benefits later. India’s net household financial savings fell to a five-decade low in FY23, then only modestly rebounded in FY24 even as liabilities rose, evidence of a ‘consumption-today’ bias that elevates the value of cash in hand over opaque or deferred benefits.

    Cultural signals amplify this shift. A booming creator economy normalises individual choice and instant gratification and it quietly devalues corporate freebies that once felt special. India’s influencer marketing industry stood at roughly INR 3,600 crores in 2024 and is projected to grow a further 25% in 2025, a momentum that shapes tastes, spending and the perceived worth of workplace perks. 

    What Gen X once treated as status, the fixed ‘executive’ trappings, no longer inspires. The airport-lounge metaphor captures it: what used to be a differentiator has become rote. Many professionals would now rather pay for a quiet corner than queue for access that once signalled privilege. Unless perks cross into a truly aspirational tier, think ‘black/platinum card’ scarcity, they rarely move the retention needle. Employees know better ways to spend on their terms and an enriched in-hand salary gives them that agency. This also is an indicator of behaviour, professionals want to control and manage their spends than let companies decide on “perks”.

    Are perks overrated, then? The gimmicky ones are. The benefits that matter remove life friction, protect wellbeing and enable growth: healthcare, paid leave, flexibility and development. Employer practice reflects this – healthcare coverage remains near-universal in major markets, while companies continue to emphasise flexible work and well-being supports.

    Crucially, the pay-versus-perks argument misses a third force: purpose and value alignment. Randstad’s 2025 Workmonitor finds work-life balance surpassing pay as the top motivator for the first time in 22 years and a significant share of workers have already quit roles over misaligned values. Deloitte’s 2025 Gen Z and Millennial Survey focusses on the same pattern: people want fair pay, but they stay when they also see learning, mentorship and purpose. In short, compensation captures attention; alignment and balance sustain it. 

    These realities also explain why many traditional perks feel like a ‘pseudo’ joy in 2025. Standardised freebies cannot compete with individualised choice, especially when life stages differ so sharply. Generations today often prefer consuming experiences now rather than banking distant benefits; the perceived utility of cafeteria vouchers or club tie-ups pales next to fungible cash, schedule control or meaningful development.


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    What Could employers do?

    Enhancing Employee Value Proposition
    Enhancing Employee Value Proposition
    • Pay with precision, not parity: In India’s context, fair take-home pay is the entry ticket. Use external data to calibrate hot-skills premiums and prevent ‘loyalty penalties’ that underpay stayers relative to joiners. In flatter global budgets, target increases where roles create disproportionate value and be transparent about the rationale.
    • Redesign perks: Retire tired giveaways. Offer a modular portfolio employees can assemble like health top-ups, mental-health coverage, caregiving credits, travel wallets and financial-wellness coaching. Evidence suggests many employers still under-index on flexibility/choice in benefits design, closing that gap increases perceived value far more than adding another generic perk.
    • Make purpose practical: Tie team priorities to customer outcomes and community impact. Equip managers to coach, not just coordinate; make internal mobility and learning visible and accessible. Younger cohorts consistently rank learning, mentorship and values alignment among the reasons they choose and remain with employers.
    • Treat flexibility as policy, not a perk: Flexible and hybrid models continue to carry enduring appeal across high-skill segments; anchoring them in operating design protects retention without sacrificing performance.

    These moves recognise a broader truth about how aspirations have shifted. From “Is Provident Fund part of the salary?” to “What’s my take-home?”, employees increasingly optimise for immediacy and autonomy. They prefer to direct their own spending rather than accept one-size-fits-all benefits; they would rather buy the quiet corner than flash the lounge card; and unless a perk is genuinely scarce and aspirational, it rarely compensates for a thin salary or a culture that ignores balance and meaning.

    The retention formula for 2025 is therefore simple and demanding. Companies must pay fairly, embed flexibility and connect work to something worthwhile. Done together, these choices respect how lifestyles have evolved, how influencers and social signals shape perceived status and why cash still matters most at the margin. Companies that act on this clarity will spend less chasing fads and keep more of the talent they cannot afford to lose.


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  • OpenAI Jobs Platform in the Making: What It Means for the Future of HR and Hiring?

    OpenAI didn’t just come for developers, writers, customer service representatives, and legal assistants; it is also coming for HRs now. OpenAI is officially building a jobs tool called OpenAI Jobs Platform. The platform will connect organizations with AI workers. OpenAI officially announced the work on the project on September 4, 2025. So far, AI has only automated the repetitive tasks of HR but has not entirely replaced them. But, with this news, can we anticipate that the day is nearer? Or is the tool only going to assist the HRs? If you are HR, what should you worry about? Learn more.

    What’s New at OpenAI?

    OpenAI will soon (by mid-2026) come up with a tool to assist businesses in finding the best AI talent in the market.

    The tool will basically connect the businesses and workers (who are trained in AI) directly, meaning no middlemen.  The company is already in talks (about the hiring platform) with some big companies, including Walmart, Boston Consulting Group, Accenture, and the Texas Association of Business. Plus, Sam Altman plans to speak with President Trump about AI’s impact on society.

    OpenAI will not only deal with big businesses, but it is also working to partner with local businesses as well as the government. So, this is a massive development for OpenAI, HRs, and job seekers. 

    Sam Altman, the CEO of OpenAI, said, “Big moves are reshaping the way we work, hire, and adapt in the age of AI. From new platforms to fresh opportunities, the landscape is shifting fast. Let’s break it down.”

    How Will the OpenAI Jobs Platform Work?

    • The whole process is AI-powered, and the tool will help:
    • Helps businesses match with the right AI workers who best fit the roles.
    • Businesses can hire for full-time, part-time, or specific task positions, and more.
    • The tool will categorize workers into different experience levels, such as beginners and advanced experts. 

    Competition to?

    • Once the tool goes live, it will be a direct competition with LinkedIn (which is the world’s biggest job networking platform).
    • Interestingly, LinkedIn was co-founded by Reid Hoffman, who was one of the earliest investors in OpenAI.
    • LinkedIn has been moving towards AI and simultaneously adding new AI features to improve job matching and hiring.

    When Will It Launch?

    OpenAI didn’t give an exact date, but while talking to TechCrunch, a spokesperson mentioned that it aims to go live by mid-2026.

    Certifications & Training

    • Additionally, OpenAI is also launching certification in “AI fluency” and will roll out a pilot program later in 2025.
    • All these certifications are part of OpenAI Academy, which is a free online learning program.
    • The company is already partnering with Walmart on the certification program.
    • The whole aim of this initiative is to certify 10 million Americans by 2030.
    • Moreover, the company is focusing on going beyond ChatGPT, perhaps its own browser and social media apps.

    Should Hrs Be Worried?

    There are several similar discussions on the same topic on the internet. Is OpenAI coming for?

    Fidji Simo, CEO, Applications at OpenAI, said, “We can’t prevent disruption, but we can help people become fluent in AI and connect them with companies that need their skills.”

    It’s both yes and no, because:

    Yes…

    • AI will replace the roles that focus on screening resumes, shortlisting candidates, and doing basic matching.
    • Companies will cut down on their dependency on external recruiters, meaning less or no business for recruiting agencies.

    No…

    • Well, the nature of the job encompasses not only hiring employees but also includes employee relations, workplace culture, training, retention, conflict resolution, performance management, and compliance. AI can not replace that.
    • Human Resources, the name itself says it all. AI can not handle human interaction, emotional intelligence, and decision-making.

    How Hrs Can Save Themselves (And Thrive)?

    Formula to make yourself an irreplaceable HR: Upskill (certifications) + make AI your assistant + Become a Communication and Conflict Expert.

    • Get yourself familiar with any AI-powered recruiting platforms (be it LinkedIn or OpenAI Jobs Platform).
    • Make AI your assistant to filter, match, and speed up the hiring process.
    • Earn AI Certifications to showcase your AI skills.
    • Harness your skills in communication to become an expert in mentoring, conflict management, workplace engagement, building company culture, and handling sensitive conversations.