Groww bets on ‘assistive AI’ as it scales trading, bonds and wealth stack

Unlike public AI models trained broadly on internet data, GR-1 is built to be context-aware, factoring in a user’s risk profile, portfolio composition and investing behaviour

Bengaluru-based Groww is sharpening its artificial intelligence strategy even as it expands deeper into trading, fixed income and wealth management. It however, insists the technology will remain assistive not autonomous as it expands across trading, wealth and fixed income.

At its first product showcase, Groww Next, the company unveiled GR-1, an opt-in AI investing assistant designed to deliver personalised portfolio insights while leaving execution decisions entirely to users.

“I completely agree… AI should only be used to nudge,” Groww CTO Neeraj Singh said in response to concerns around over-reliance on automated systems. “If people use very generic models out there, they might end up getting misinformed. That is why it becomes a broker’s responsibility to invest in tech where more accurate, more guarded and more compliant information can be given.”

Unlike public AI models trained broadly on internet data, GR-1 is built to be context-aware, factoring in a user’s risk profile, portfolio composition and investing behaviour. The system remains advisory, with explicit consent layers and execution controls built in. “Our AI model is one such attempt to make AI accessible to everybody, which is much more personalised and context aware, which is much more responsible and accurate,” he said, adding that the company continues to iterate internally before rolling out features widely.

The push comes amid heightened retail participation and increased volatility in segments such as derivatives. According to Neeraj, the platform’s role is to ensure investors are informed during sharp market moves without influencing outcomes. “Our job on the platform is to keep them informed,” he said, noting that different investors interpret the same information differently.

Beyond AI, Groww is also investing in infrastructure resilience as it opens up access to the secondary bond market and adds tools for active traders. Its backend architecture is designed to auto-scale during sudden traffic spikes, supported by multiple backup layers and dedicated monitoring teams. “One presence of one customer does not impact the presence of another customer and all our systems are auto scalable,” he said.

As Groww evolves into a full-stack financial services platform spanning stocks, mutual funds, bonds, PMS and AIFs, the company maintains that privacy safeguards remain central, with only anonymised problem statements — not personal identifiers — shared with AI systems.

Published on February 28, 2026