diff --git a/internal/proxy/task_index.go b/internal/proxy/task_index.go
index 3993fe0c32..4ee0fdce3c 100644
--- a/internal/proxy/task_index.go
+++ b/internal/proxy/task_index.go
@@ -23,6 +23,7 @@ import (
 
 	"github.com/cockroachdb/errors"
 	"go.uber.org/zap"
+	"google.golang.org/protobuf/proto"
 
 	"github.com/milvus-io/milvus-proto/go-api/v2/commonpb"
 	"github.com/milvus-io/milvus-proto/go-api/v2/milvuspb"
@@ -661,8 +662,20 @@ func checkTrain(ctx context.Context, field *schemapb.FieldSchema, indexParams ma
 		return fmt.Errorf("invalid index type: %s", indexType)
 	}
 
+	// For ArrayOfVector with non-EmbList metrics (e.g., COSINE, L2, IP), each embedding
+	// in the array is indexed independently as a regular vector. The index only needs to
+	// support the element vector type, not the EmbeddingList capability.
+	// Resolve the effective data type used for index compatibility checks.
+	effectiveDataType := field.DataType
+	effectiveElementType := field.ElementType
+	if typeutil.IsArrayOfVectorType(field.DataType) &&
+		!funcutil.SliceContain(indexparamcheck.EmbListMetrics, indexParams[common.MetricTypeKey]) {
+		effectiveDataType = field.ElementType
+		effectiveElementType = schemapb.DataType_None
+	}
+
 	if typeutil.IsVectorType(field.DataType) && indexType != indexparamcheck.AutoIndex {
-		exist := CheckVecIndexWithDataTypeExist(indexType, field.DataType, field.ElementType)
+		exist := CheckVecIndexWithDataTypeExist(indexType, effectiveDataType, effectiveElementType)
 		if !exist {
 			return fmt.Errorf("data type %s can't build with this index %s", schemapb.DataType_name[int32(field.GetDataType())], indexType)
 		}
@@ -676,12 +689,19 @@ func checkTrain(ctx context.Context, field *schemapb.FieldSchema, indexParams ma
 		}
 	}
 
-	if err := checker.CheckValidDataType(indexType, field); err != nil {
+	effectiveField := field
+	if effectiveDataType != field.DataType {
+		effectiveField = proto.Clone(field).(*schemapb.FieldSchema)
+		effectiveField.DataType = effectiveDataType
+		effectiveField.ElementType = effectiveElementType
+	}
+
+	if err := checker.CheckValidDataType(indexType, effectiveField); err != nil {
 		log.Ctx(ctx).Info("create index with invalid data type", zap.Error(err), zap.String("data_type", field.GetDataType().String()))
 		return err
 	}
 
-	if err := checker.CheckTrain(field.DataType, field.ElementType, indexParams); err != nil {
+	if err := checker.CheckTrain(effectiveDataType, effectiveElementType, indexParams); err != nil {
 		log.Ctx(ctx).Info("create index with invalid parameters", zap.Error(err))
 		return err
 	}
diff --git a/internal/proxy/task_index_test.go b/internal/proxy/task_index_test.go
index 790d32346a..7969e05412 100644
--- a/internal/proxy/task_index_test.go
+++ b/internal/proxy/task_index_test.go
@@ -1276,6 +1276,58 @@ func Test_checkEmbeddingListIndex(t *testing.T) {
 	})
 }
 
+func Test_arrayOfVector_nonEmbListMetric_indexCompat(t *testing.T) {
+	// When an ArrayOfVector field uses a non-EmbList metric (e.g., COSINE),
+	// each embedding is indexed independently. The index should only need to
+	// support the element vector type, not the EmbeddingList capability.
+	// This means indexes like IVF_PQ that don't have the EMB_LIST flag
+	// should still work with ArrayOfVector + COSINE.
+	t.Run("ArrayOfVector with COSINE should accept IVF_FLAT", func(t *testing.T) {
+		cit := &createIndexTask{
+			req: &milvuspb.CreateIndexRequest{
+				ExtraParams: []*commonpb.KeyValuePair{
+					{Key: common.IndexTypeKey, Value: "IVF_FLAT"},
+					{Key: common.MetricTypeKey, Value: metric.COSINE},
+					{Key: "nlist", Value: "128"},
+				},
+			},
+			fieldSchema: &schemapb.FieldSchema{
+				FieldID:     101,
+				Name:        "vec_field",
+				DataType:    schemapb.DataType_ArrayOfVector,
+				ElementType: schemapb.DataType_FloatVector,
+				TypeParams: []*commonpb.KeyValuePair{
+					{Key: common.DimKey, Value: "128"},
+				},
+			},
+		}
+		err := cit.parseIndexParams(context.TODO())
+		assert.NoError(t, err)
+	})
+
+	t.Run("ArrayOfVector with MaxSimCosine should accept HNSW", func(t *testing.T) {
+		cit := &createIndexTask{
+			req: &milvuspb.CreateIndexRequest{
+				ExtraParams: []*commonpb.KeyValuePair{
+					{Key: common.IndexTypeKey, Value: "HNSW"},
+					{Key: common.MetricTypeKey, Value: metric.MaxSimCosine},
+				},
+			},
+			fieldSchema: &schemapb.FieldSchema{
+				FieldID:     101,
+				Name:        "vec_field",
+				DataType:    schemapb.DataType_ArrayOfVector,
+				ElementType: schemapb.DataType_FloatVector,
+				TypeParams: []*commonpb.KeyValuePair{
+					{Key: common.DimKey, Value: "128"},
+				},
+			},
+		}
+		err := cit.parseIndexParams(context.TODO())
+		assert.NoError(t, err)
+	})
+}
+
 func Test_ngram_parseIndexParams(t *testing.T) {
 	t.Run("valid ngram index params", func(t *testing.T) {
 		cit := &createIndexTask{