The rapid integration of artificial intelligence (AI) into labour markets is reshaping employment structures globally, particularly in emerging economies like India. The rise of the gig economy, enabled by digital platforms and algorithmic management, has introduced new opportunities for flexible work while simultaneously raising concerns about income volatility, financial insecurity, and lack of social protection (Berg et al., 2018; International Labour Organization [ILO], 2021). As India aspires to achieve the vision of Viksit Bharat 2047, ensuring sustainable and inclusive economic growth requires a critical examination of how AI-driven labour transformations affect financial stability (NITI Aayog, 2022). This paper explores the intersection of AI, gig employment, and financial resilience in India, focusing on income stability, wealth accumulation, financial planning behaviour, and institutional support mechanisms. Using a conceptual-analytical approach supported by secondary data and emerging empirical trends, the study highlights structural vulnerabilities faced by gig workers, including algorithmic opacity, demand unpredictability, and absence of formal benefits (Rosenblat & Stark, 2016; Zuboff, 2019). The paper argues that without targeted policy interventions, AI-powered labour platforms may widen economic inequality. However, strategic governance frameworks, inclusive fintech ecosystems, and hybrid social security models can transform gig work into a sustainable pillar of India’s future economy (World Bank, 2019). The study concludes with policy recommendations aimed at aligning AI-led workforce transformation with the broader developmental goals of Viksit Bharat 2047.