Signalbase · Jul 2026
Funding write-up that reports Kosh’s March 2025 Series A round and frames the company as a specialized fintech serving blue-collar workers.
Company research
Public company, workplace, funding, and market signals
Overview
Kosh is a Gurugram-based financial-services / fintech company that offers a digital group-lending app for blue-collar and other underserved borrowers. Its public positioning centers on joint-liability / group credit, paperless onboarding, and RBI-compliant lending through regulated NBFC partnerships.
Primary product
Group-loan / digital lending app for blue-collar workers
Founded
2019
Headquarters
Gurugram, Haryana, India
Team size
51-200 employees
Work style
Onsite
Industry
Financial Services
Sub-industry
Digital lending / alternative lending
Offices
18 Sector 44, Gurugram, Haryana 122003
456, Sector-45, Kanhai, Gurugram, Haryana 122003
Business model
Digital consumer lending
Group lending / joint-liability loans
Loan Service Provider (LSP) / partnership lending
Co-lending with regulated NBFCs
Funding
Stage
Series A
Total raised
$9M
Latest round
Series A · Mar 2025
Latest amount
$5M
People & investors
Leadership
Co-Founder
Co-Founder
Head- Risk and Strategic Alliances
Ritu Das
Head of Finance
Debeshi Sur
Business Head - Technology Function
Prateek Pannu
Head of Sales
Anindeeta Chakraborty
Grievance Redressal Officer
Work & culture
Public materials suggest a mission-driven, compliance-heavy team focused on financial inclusion, trust, dignity, and opportunity. Hiring is predominantly on-site, and the company publicly emphasizes execution around lending operations, risk, and customer support.
Work style
Onsite
Compensation
No broad official compensation bands were found. One public Credit Officer posting listed compensation up to ₹3.5 LPA, which is the clearest public salary signal found.
Product & market
Pricing
Borrower interest rate / EMI-based lending; public materials also describe flexible EMI repayment and a secured NCD offering with 15% interest for investors.
Differentiators
- —Group-based joint-liability underwriting
- —Zero-paperwork / paperless onboarding
- —Collateral-free loan access for underserved borrowers
- —RBI-compliant partnering model with regulated NBFCs
- —In-app repayment support, reminders, and loan-specific chat
Technology
React
React Native
Python
Django
PostgreSQL
MySQL
MongoDB
Docker
Git
Jira
Apache
WhatsApp Business
Amplitude
Sentry
reCAPTCHA
Pusher
Apache Superset
Dataiku
Segment
Customers
Blue-collar workers
Industrial and unorganised workforce
Workers in factories, logistics, and services
Women entrepreneurs
Salaried, self-employed, and MSME borrowers
Competitors
Avanti
Sub-K
Udhaar
Branch
Finnable
Mirae Asset Financial Services
Loan Granted
Phocket
Scale & contact
Estimated revenue
₹40L–₹50L annually (FY25 reported revenue was ₹41.3L)
Estimated monthly visits
3.5K
Traffic estimate as of Jul 2026
Latest news
Kosh · Apr 2026
Official announcement of a secured NCD offering with a 15% interest rate over 13 months, minimum investment of ₹2,00,000, and disclosed operating metrics including a ₹150Cr+ loan portfolio, ₹3.5Cr monthly revenue (Apr 2025), and ₹61L net profit (Q2 F25-26).
IIMA Ventures Insights · Nov 2025
Case study describing Kosh’s digital joint-liability model for blue-collar borrowers, with emphasis on social capital, acquisition, underwriting, customer engagement, and collections.
TechCrunch · Mar 2020
Launch-era coverage describing Kosh’s group-lending model, use of alternative data, and early loan-disbursement approach for blue-collar workers.
Jobs and careers at Kosh
0 jobs at Kosh
No open positions
Check back later for new openings