Mool Innovation Labs

Mool Innovation Labs is a financial technology company specializing in AI-powered personal finance management and salary optimization for salaried employees in India. The company combines tax planning, salary structuring, wealth management, and financial advisory services into an integrated platform designed to maximize employee take-home benefits.

Core Products and Services

• AI-Powered Salary Optimization – Automated salary structuring that uses intelligent algorithms to design personalized compensation packages maximizing employee benefits while remaining tax-compliant, adjusting across allowances, deductions, and benefits per individual preferences

• Tax Planning and Compliance – Automated tax return preparation with personalized tax-saving recommendations, investment guidance, deduction optimization, and expert tax advisory to minimize tax liability for salaried individuals

• AI Financial Advisor (Birbal) – Subscription-based AI-powered financial advisor providing personalized guidance on investment decisions, wealth management, expense tracking, career planning, and smart investing recommendations tailored to individual financial goals

• Smart Investing Platform – Zero-commission investment app with curated portfolios, expert research on India's fastest-growing companies, and expense tracking by consolidating multiple bank accounts for comprehensive financial visibility

• Investment Recommendations Report – Fully automated and AI-generated personalized investment and tax-saving strategy reports based on individual spending patterns, income sources, and financial goals with expert verification

• B2B Payroll Integration – Enterprise solution enabling organizations to offer personalized salary structuring and financial advisory benefits to employees; integrates with third-party payroll operators and HR systems

Business Model & Revenue Streams

• B2B2C subscription model where employers purchase platform access for employees as a salary or HR benefit; employees gain direct access to personalized salary optimization and financial advisory tools

• B2C subscription revenue through direct consumer subscriptions for the Mool AI financial advisor (Birbal) with flexible, affordable, and cancelable plans targeting salaried individuals, young professionals, and families

• Dual revenue streams: enterprise pricing from corporate clients implementing salary structuring benefits, and direct-to-consumer subscriptions for financial advisory and investment management services

• Platform generates significant indirect revenue value by reducing HR recruitment and salary negotiation costs for employers while increasing employee take-home pay by up to 8-10% without increasing total compensation budgets

• Company has helped collective savings of over ₹40 crore+ in taxes with 90+ Net Promoter Score (NPS); currently scaling B2B enterprise adoption and expanding B2C consumer subscription base with seed-stage funding