About Kosh
Kosh is a Financial Services company based in Gurugram (India) founded in 2019 by Aayush Goel and Sahil Bansal. It operates as a community finance products are offered by Kosh for businesses. It operates on a FinTech and Commission-Based model. Kosh has raised $9.03 million across 5 funding rounds from investors including Security and Intelligence Services, LetsVenture and 100Unicorns. The company has 152 employees. Kosh was last valued at $7.93 million in January 2023. Its website getkosh.com draws about 57 thousand monthly visits. Kosh offers products and services including Joint Liability Loans and Instant Loan. Its focus areas include Microfinance and Community Lending. Its legal entity is Adhikosh Inc. Its competitors include Branch, Finnable, Mirae Asset Financial Services, Loan Granted and Phocket and 2 more; 5 of its 7 listed competitors have raised funding.
Company details
Financial solutions are provided by Kosh, focusing on microfinance for blue-collar workers in India. Joint liability loans and instant loans up to Rs 2,00,000 are facilitated through a digital platform. Features like paperless processes, flexible EMIs, and community networking are integrated to enhance user experience. The company targets underserved segments in Bharat through innovative distribution channels.
- Headquarters Gurugram, India
- Employees 152
- Founders Aayush Goel, Sahil Bansal
- Stage Minicorn
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website getkosh.com
- Social LinkedIn Facebook
- Legal Name Adhikosh Inc.
- Annual Revenue$33.05 K (USD)8as on Mar 31, 2024
- Net Profit-$3.44 K (USD)96as on Mar 31, 2024
- EBITDA$4.03 K (USD)105as on Mar 31, 2024
- Total Equity Funding$9.03M (USD)
in 5 rounds
- Latest Funding Round$5M (USD), Series A
Mar 2025
- InvestorsSecurity and Intelligence Services
& 8 more
- Employee Count152
Associated legal entities of Kosh
Kosh is associated with 2 registered companies on The Company Check. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2024) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Aditsh Fintech Private Limited CIN U65929DL2017PTC326684 | Active | 04 Dec 2017 | New Delhi, Delhi | ₹0.3 Cr | – | 3 | View details |
| Adhikosh Financial Advisory Private Limited CIN U67110HR2019PTC083828 | Active | 25 Nov 2019 | Gurugram, Haryana, India | ₹24.7 Cr | 197 | 2 | View details |
Products & Services of Kosh
Kosh offers a comprehensive portfolio of products and services, including Joint Liability Loans and Instant Loan.
Loans are provided for blue-collar workers' financial needs.
Instant loans up to Rs 2,00,000 are offered directly.
Funding Insights of Kosh
Kosh has successfully raised a total of $9.03M across 5 strategic funding rounds. The most recent funding activity was a Series A round of $5 million completed in March 2025. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $9.03M
- Total Rounds 5
- Last Round Series A — $5M
- First Round $125,000
(Mar 2020)
- Investors Count 9
All 5 funding rounds of Kosh with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Mar 2025 | $5M | Series A | – | – | |
| Jan 2023 | $1.93M | Series A | $7.93M | India Quotient | – |
| Feb 2022 | $1.58M | Series A | $6.63M | India Quotient | – |
| Dec 2020 | $400,000 | Seed | – | 100Unicorns | – |
| Mar 2020 | $125,000 | Seed | – | Y Combinator | – |
| Date | Valuation | Stage |
|---|---|---|
| Jan 2023 | $7.93M | •••••••• |
| Feb 2022 | $6.63M | •••••••• |
Last known valuation $7.93M (Jan 2023). 9 investors in total: 9 institutional.
Investors in Kosh
Kosh has secured backing from 9 investors, including venture fund and institutional investors. Prominent investors backing the company include Security and Intelligence Services, LetsVenture and 100Unicorns.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Investment in Indian startups across technology and fintech sectors. | 2012 | indiaquotient.in | Mumbai, India | |
A startup accelerator offering funding and support to early-stage companies. | 2020 | 100unicorns.in | Mumbai, India | |
Early-stage startups are accelerated via funding and educational programs. | – | ycombinator.com | Mountain View, United States | |
Early-stage investment in transformative technology sectors like FinTech, HealthTech, and SaaS. | 2022 | cdmcapital.in | Mumbai, India | |
Investments in early-stage tech startups are made by JAFCO Asia. | – | jafcoasia.com | Singapore, Singapore | |
Online platform that connects startup founders with accredited investors, enabling early-stage fundraising and investment opportunities for private market growth | 2013 | letsventure.com | Bengaluru, India | |
Security solutions and business support services are provided globally. | 1998 | sisindia.com | Delhi, India | |
- | – | legacyasset.tcc.mode | - | |
- | – | breathecaptialindiaadvisors.tcc.mode | - |
Investor details for Kosh
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
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Verified entity values are shown only after access is granted.
Board of directors of Kosh
The boards of the 2 registered companies of Kosh currently have 5 directors; the longest-serving is Pawan Kapoor, appointed in 2017. 4 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Pawan Kapoor DIN 07534193 | Director | 04 Dec 2017 | 8 yrs 10 mo | Aditsh Fintech Private Limited |
| Satyapal Singh DIN 03557946 | Director | 04 Dec 2017 | 8 yrs 10 mo | Aditsh Fintech Private Limited |
| Shardul Singh DIN 08356025 | Director | 11 Feb 2019 | 7 yrs 8 mo | Aditsh Fintech Private Limited |
| Sahil Bansal DIN 07590487 | Whole-time director | 25 Nov 2019 | 6 yrs 10 mo | Adhikosh Financial Advisory Private Limited |
| Renu Bansal DIN 10112218 | Director | 17 Dec 2024 | 1 yr 10 mo | Adhikosh Financial Advisory Private Limited |
People of Kosh
2 people are tracked at Kosh (2 in leadership); the tracked headcount is 152.
| Name | Role | Group |
|---|---|---|
| Co-Founder | Leadership | |
| Co-Founder | Leadership |
Complete people profiles for Kosh
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
Financials of Kosh
Figures of Aditsh Fintech Private Limited, the primary company behind Kosh, for FY 2024. Revenue was ₹27.4 Lakh (+8% year on year). Net loss was -₹2.8 Lakh (-10% margin). EBITDA was ₹3.3 Lakh (12% margin). Revenue has grown at a compounded annual rate of -34% over three years and -1% over five years.
- ₹27.4 LakhRevenue · FY 2024 · +8% YoY
- -₹2.8 LakhNet loss · -10% margin
- ₹3.3 LakhEBITDA · 12% margin
- ₹3.85 CrPaid-up capital
- -34%Revenue CAGR, 3 years
- -1%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Aditsh Fintech Private Limited are on its company page.
Detailed financial statements for Kosh
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
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- Downloads
Verified entity values are shown only after access is granted.
Timeline of Kosh
4 dated milestones of Kosh across 6 years, from founding to its latest funding, stage changes and deals.
- Founded Kosh is founded.
- Funding First funding round of $125K.
- Milestone Reaches Minicorn status.
- Funding Latest funding round, Series A, of $5.0M.
Competitors of Kosh
Kosh has 7 listed competitors in our database, 5 of them funded. They include Branch, Finnable, Mirae Asset Financial Services, Loan Granted and Phocket, among others.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| branchapp.com | 2015 | Minneapolis, United States | $138.28M | 177 | Branch is focused on providing faster workforce payment solutions. | |
| finnable.com | 2015 | Bengaluru, India | $33.9M | 1,409 | Online personal loans with minimal documentation are offered digitally. | |
| miraeassetfin.com | 2020 | Mumbai, India | – | 54 | Platform offers financial solutions | |
| loangranted.com | 2011 | Hyderabad, India | $153,725 | 1,444 | Online platform for consumer loans | |
| phocket.in | 2018 | Delhi, India | $736,113 | 11 | Various consumer loans are offered through an online platform. | |
| payufin.in | 2019 | Gurugram, India | – | 372 | Personal loans are facilitated via an online lending marketplace. | |
| opentap.in | 2014 | Chennai, India | $449,778 | 1 | Consumer loans are facilitated via an online platform. |
Detailed competitors of Kosh
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
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Verified entity values are shown only after access is granted.
Web traffic of Kosh
The website of Kosh (getkosh.com) receives about 56.6K visits a month.
- Monthly visits56.6K
▲ 237.5% vs previous month
Websites whose visitors overlap most with Kosh. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
kosh.in | kosh.in | 100% | – | #1,732,427 | – |
Top companies in Alternative Lending
10 companies that operate in the same segment as Kosh (Alternative Lending), ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Payment acceptance and processing solutions provider for businesses | 2018 | Gurugram, Haryana, India | USD 589.25 M | USD 179.52 M | 3,670 | |
A peer-to-peer marketplace for business loans is operated and developed. | 2010 | London, England, United Kingdom | USD 372.67 M | USD 299.61 M | 860 | |
Diversified loans are provided via an AI-enabled online marketplace. | 2012 | Palo Alto, California, United States | USD 128.65 M | USD 1.04 B | 1,190 | |
Various consumer loans and financial services are offered online. | 2011 | San Francisco, California, United States | USD 3.04 B | USD 4.77 B | 6,843 | |
Technology platform for real estate transactions and mortgages is provided. | 2014 | Gurugram, Haryana, India | USD 97.98 M | USD 28.9 M | 9,619 | |
Purchase financing solutions are offered to businesses via installment payments. | 2019 | Dubai, Dubai, United Arab Emirates | USD 837 M | – | 4,683 | |
Financial services are provided, specializing in personal and business loans. | 2016 | Mumbai, Maharashtra, India | USD 320.39 M | USD 106.45 M | 2,161 | |
Credit score checking and comparison platform for financial products | 2007 | San Francisco, California, United States | USD 869.77 M | – | 1,487 | |
Financial benefits platform for on-demand pay is provided to employees. | 2018 | London, England, United Kingdom | USD 133.02 M | – | – | |
Payflow is recognized as a financial wellness application for employees. | 2020 | Alcobendas, Comunidad De Madrid, Spain | USD 58.23 M | – | – |
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Related news about Kosh
Complete news archive for Kosh
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Frequently Asked Questions about Kosh
Kosh was founded in 2019 and raised its 1st funding round 1 year after it was founded.
Kosh is headquartered in Gurugram, India. It is registered at Gurugram, Haryana, India.
Kosh is a funded company, having raised a total of $9.03M across 5 funding rounds to date. The company's 1st funding round was a Seed of $125K, raised on Mar 2020.
Kosh has 152 employees.
Annual revenue of Kosh is $33.05K as on Mar 31, 2024.
Financial solutions are provided by Kosh, focusing on microfinance for blue-collar workers in India. Joint liability loans and instant loans up to Rs 2,00,000 are facilitated through a digital platform. Features like paperless processes, flexible EMIs, and community networking are integrated to enhance user experience. The company targets underserved segments in Bharat through innovative distribution channels.
Kosh's top competitors include Branch, Finnable and Mirae Asset Financial Services.
Kosh offers Joint Liability Loans and Instant Loan.
Kosh has 9 investors. Key investors include Security and Intelligence Services, LetsVenture, 100Unicorns, India Quotient, and CDM Capital.
The valuation of Kosh is $7.93M as of Jan 2023.
Kosh is associated with 2 legal entities: Aditsh Fintech Private Limited, Adhikosh Financial Advisory Private Limited.
The legal entities of Kosh currently have 5 directors, including Pawan Kapoor, Shardul Singh, Satyapal Singh and others.