Currently, the methods of mobile communications and Internet of Things (IoT) are designed to collect human and environmental data for various intelligent applications and services. Remote monitoring of disabled and elderly people living in smart homes is challenging. Localization and positioning in indoor surroundings need unique solutions. Moreover, positioning remains a crucial feature of any navigation system that assists visually impaired persons (VIPs) in mobility. Other indispensable features of a common indoor navigation system are obstacle avoidance, pathfinding, and abilities for user communication. In recent times, the arrival of smartphones, artificial intelligence, IoT, wearables, etc. makes it possible to devise indoor monitoring systems for smart homecare. Therefore, this study presents an Improved Beluga Whale Optimization Algorithm with fuzzy-based Indoor Activity Monitoring (IBWOA-FIMS) for elderly and VIPs. The presented IBWOA-FIMS technique mainly focused on the identification and classification of indoor activities of elderly and disabled people. To accomplish this, the IBWOA-FIMS technique employs an adaptive neuro fuzzy inference system (ANFIS) model for the indoor monitoring process. In order to improve the monitoring results of the IBWOA-FIMS technique, the IBWOA is used to adjust the parameters related to the ANFIS model. For illustrating the enhanced indoor monitoring results of the IBWOA-FIMS technique, a series of simulations were performed. The simulation values portrayed the betterment of the IBWOA-FIMS technique in terms of different metrics.