Kosh is a digital Microfinance Banking App designed by Adhikosh Financial Advisory Pvt Ltd (a Delhi-headquartered FinTech Company). We work with RBI registered NBFCs to provide group loans of upto Rs. 2 Lakhs at affordable interest rates as Direct Cash transfer.
Repay your loans conveniently through flexible EMI options and improve your CIBIL score. Check your Statement of Accounts.
Take advantage of the user-friendly interface and completely paperless and online process to get cash quickly in your bank account.
Kosh has partnered with NBFCs, licensed by the Reserve Bank of India (RBI) and is totally secure.
Loan Amount: Rs 20,000 to Rs 2,00,000
Minimum Annual Percentage Rate (APR): 24%
Maximum APR: 33% (reducing balance)
Minimum repayment period: 6 months
Maximum repayment period: 18 months
Processing Fees: 2% (Max ₹2000 incl GST)
Prepayment Fees: Nil
A representative example of the total cost of the loan
✔ Amount Borrowed (Principal) = ₹20000/-
✔ Interest Rate (APR) = 18% - 33%
✔ Tenure = 10 months
✔ Processing Fee = ₹400
✔ Amount disbursed = ₹19,600
✔ Your EMI amount = ₹2315 (sample monthly payment based on PMT method)
✔ Interest amount = ₹2315 x 10 - ₹20000 = ₹3150 (sample interest calculation)
✔ Total Cost of Loan (Including all applicable fees) = Processing Fee + Interest Amount + Principal = ₹400 + ₹3150 + ₹20000 = ₹23550
1. Upto Rs 2,00,000 limit
2. Instant money transfer to bank account
4. 100% paperless process
5. Minimal documentation.
6. Flexible loan and EMI amount options
7. Instant eligibility check
1. Indian citizen
2. Age above 20 years
3. Age below 65 Years
1. PAN number
2. Aadhaar number
3. Salary Slip / Employment Id
How to apply
1. Install Kosh App
2. Register using your mobile number
3. Add your group members for Group Loan
4. Fill your basic details to check your loan eligibility
5. Choose the loan and EMI amount of your choice
6. Complete the KYC with selfie and Aadhaar
7. Enter bank details for money transfer
7. Loan Approved and Disbursed
Reach us at email@example.com for any of your queries. Or call at 8826790791
• Delhi NCR: New Delhi, Gurgaon, Noida, Greater Noida, Faridabad
• Himachal Pradesh: Shimla, Baddi, Parwanoo, Solan
• Haryana: Chandigarh, Karnal, Panipat, Ambala, Sonipat, Kundli
• Punjab: Amritsar, Ludhiana, Jalandhar, Mohali, Ropar, Bathinda, Fatehgarh Sahib
• Rajasthan: Kota, Jaipur, Udaipur, Jodhpur, Neemrana
• Uttar Pradesh: Mathura, Meerut, Agra
• Uttarakhand: Haldwani, Haridwar
• Madhya Pradesh: Jabalpur, Indore, Allahabad
• Gujarat: Ahmedabad, Vadodara, Valsad\
Your data is transferred over a secure HTTPS connection, and we do not share it with anyone without your consent. All the transactions are secured via a 128-bit SSL encryption.
Our app requires some permissions to provide you a loan in a fast and easy manner. We need access to your User Account data such as name and email to auto fill your application and help you login. We also need access to your financial sms to enrich credit profile, auto read otp and give the best instant loan. We need access to your contacts for group creation. We need access to your location to verify your address. We require permission to access your contacts to get references for your loan application. For easy upload of documents in the app, we require access to Camera and Photo Gallery. We also need access to your device info to prevent misuse by any other individual.
NBFC Partners -
1) Arthmate Financing India Private Limited (Formerly Mamta Projects Pvt Ltd)
2) Finkurve Financial Services Limited
Our office address is:
Adhikosh Financial Advisory Pvt. Ltd.
Plot 114, Sector 44, Gurgaon,