Artificial Intelligence (AI) is slowly finding its way into India’s elite family offices, transforming the way research and investment insights are gathered. But despite this technological push, human intuition and strong governance still call the final shots.
According to the 2025 Indian Family Office Playbook, jointly released by Julius Baer and EY, as India’s ultra-high-net-worth families grow their global presence and formalize wealth structures, they are gradually exploring the role of AI in financial decision-making.
“Families are certainly more open to innovation, especially the next-gen. But governance and intuition still matter more than algorithmic conviction,” said Ashwin Patni, Head of Wealth Management at Julius Baer.
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AI for Insight, Not Autonomy
In today’s environment, AI tools are being used for turbo-charged research, quicker data analysis, and safer data models. These tools are helping family offices make more informed choices. However, when it comes to strategy, succession, and investments, final decisions still depend on personal judgment and experience.
While AI brings efficiency and insight, it’s not yet trusted to take full control of financial decisions in most family offices.
The report highlights a generational shift, with younger family members being more enthusiastic about embracing technology. Next-gen leaders are open to AI-driven tools, especially for portfolio screening, risk management, and long-term planning.
However, even with increased digital adoption, AI is seen as a support system rather than a replacement for human oversight. The emotional and legacy-driven nature of family wealth makes human involvement essential.
