The Rise of AI Personal Assistants and Life OS in India

By Ashish Garg
New Delhi [India], May 19 (ANI): The Complexity Problem: Why Life Feels Harder Than Ever
We live in a paradox. Technology was supposed to simplify our lives, yet the average Indian urban professional today juggles more apps, more notifications, and more cognitive load than any generation before. A typical day involves switching between a dozen applications – one for cab bookings, another for groceries, a third for bill payments, and several more for finances, calendars, and communication. Each app is excellent in isolation; together, they create fragmentation.
India’s unique complexity compounds this further. Families are multi-generational, financial planning is intertwined with cultural obligations, healthcare navigation is labyrinthine, and career trajectories are deeply non-linear. The country’s 800 million internet users are not short on access to digital tools. What they desperately need is coherence–a single intelligent layer that understands the full picture of their lives and helps them navigate it. This is the gap that AI personal assistants and the emerging concept of a “Life OS” are stepping in to fill.
Why Now? The Convergence of the Right Forces
The timing for this shift is not accidental. Large language models have crossed a capability threshold. Until recently, AI assistants could answer questions but could not plan, reason across contexts, or take multi-step actions. The latest generation of AI models can now understand nuanced instructions, remember context across sessions, and orchestrate actions across multiple services. This is a qualitative leap, not an incremental improvement.
India’s digital infrastructure is mature enough to support it. The India Stack–Aadhaar, UPI, DigiLocker, Account Aggregator–has created a consent-based data-sharing layer that no other country has at this scale. An AI assistant in India can, with the user’s permission, access verified identity, financial transactions, health records, and government documents through standardised APIs. The rails are in place; what is missing is the intelligence layer on top.
The cost of intelligence is falling dramatically. Running a sophisticated AI query that cost several dollars two years ago now costs a fraction of a cent, making deeply personalised AI systems feasible for the mass market. And consumer readiness has arrived–India’s digital-native population, raised on WhatsApp, UPI, and Swiggy, intuitively trusts digital systems to handle sensitive tasks. The behavioural leap from “I’ll ask Google” to “my AI handles it for me” is smaller in India than it appears.
How Things Are Evolving in the United States
The United States has been the proving ground for the first wave of AI personal assistants. Apple Intelligence, Google Gemini, and Microsoft Copilot are embedding AI capabilities directly into operating systems and productivity suites. These are no longer standalone chatbots; they are system-level partners that can read emails, draft documents, summarise meetings, and manage calendars.
Beyond the tech giants, a vibrant startup ecosystem is building what many call the “Life OS”–a unified AI-native platform that manages not just work tasks but the full spectrum of a person’s life. Open-source projects, AI coaching apps, and Notion-based Life OS templates have attracted thousands of users who are tired of fragmented productivity tools. The global AI-powered personal assistants market was valued at over USD 108 billion in 2023 and is projected to exceed USD 242 billion by 2030, with the AI agents market expected to grow from USD 15 billion in 2026 to USD 221 billion by 2035.
However, the American approach has a limitation: it is designed for individual knowledge workers in a Western context. The tools assume a single-user, single-household framework. They do not account for the joint family, the complex social calendar, the multi-city financial obligations, or the regulatory maze that defines life in India.
What KoshaX Is Building: A Life OS for India
KoshaX is entering this space with a distinct thesis: the Life OS for India cannot be a copy of what works in the West. It must be built from the ground up for the unique complexity of Indian lives.
The word “Kosha” is rooted in Indian philosophy, referring to the layered sheaths that constitute a human being–from the physical body to the innermost self. KoshaX borrows this metaphor deliberately. The platform aspires to be a multi-layered intelligent system that understands and manages the different dimensions of a person’s life: health, finances, career, family, learning, and daily logistics.
At its core, KoshaX’s Life OS is the single conversational interface that sits above the fragmented app ecosystem. Instead of the user being the integrator–manually transferring information between a health app, a finance tracker, a task manager, and a family WhatsApp group–KoshaX serves as the intelligent orchestration layer. It remembers context across domains, reasons about trade-offs, and takes proactive action rather than waiting for explicit commands.
Key aspects of the KoshaX vision include context-aware decision support that considers the user’s full life situation; integration with India Stack to leverage UPI, Aadhaar, and Account Aggregator data with user consent; a family-first design that acknowledges shared financial planning, multi-generational healthcare decisions, and collective scheduling; and a privacy-first architecture that keeps sensitive personal data under the user’s control.
KoshaX is still in its early days, but its ambition represents a broader truth about this space: the winners in the AI personal assistant category will not be the ones with the best language model. They will be the ones who most deeply understand the life context of the people they serve.
(Disclaimer: Ashish Garg is the founder of KoshaX, an early-stage startup building a Life OS for India. He previously founded Probo, spent over five years building at Urban Company and Zomato. The views expressed in this article are personal.) (ANI)