LinkedIn · Jul 2026
Koshex published an educational post contrasting large-cap and smaller-cap mutual fund risk/return tradeoffs.
Automating wealth creation for 400M Indian millennials
Company research
Public company, workplace, funding, and market signals
Overview
Koshex is a Bengaluru-based fintech/wealthtech startup that helps Indian retail investors manage money and build wealth through personalized investment buckets. Its public products center on mutual funds, digital gold, and smart deposits/fixed deposits, plus net-worth tracking, budgeting, and AI-driven investment insights. Public sources disagree slightly on the founding year (2019 vs. 2020), but all point to an active YC S21 company.
Primary product
Personalized investing and money-management app for mutual funds, digital gold, and smart deposits
Founded
2019
Headquarters
Bengaluru, Karnataka, India
Team size
1-10
Industry
Technology, Information and Internet
Sub-industry
Fintech / wealthtech / personal finance
Offices
4th Floor, 2633, 27th Main Rd, 13th Cross Rd, 1st Sector, HSR Layout, Bengaluru, Karnataka 560102, India
No. 598/599, 1st Main, 15th Cross, HSR Layout Sector 6, Bengaluru, Karnataka 560102, India
United States (presence reported; exact office not publicly specified)
Business model
B2C fintech app
Personal finance / wealth management platform
Zero-fee retail investment distribution
Funding
Stage
Seed
Total raised
$2.2M
Latest round
Seed Round · Apr 2022
Latest amount
$2.1M
People & investors
Work & culture
Public hiring/about copy describes a small, early-stage team of 'quirky side hustlers' and 'coffee-addicted go-getters' building with empathy, passion, care, and humor.
Compensation
Public comp data is sparse; a YC listing showed a Principal Software Engineer (Backend) role at ₹1.5M-₹2.5M INR plus equity.
Product & market
Pricing
Public FAQ says service fees are currently zero; specific monetization is not publicly disclosed.
Differentiators
- —Hyper-personalized investment recommendations based on profile, aspirations, and financial goals
- —Money-movement and net-worth tracking
- —Time-series risk profiling
- —10,000+ mutual fund schemes
- —Digital gold and smart deposits in one app
- —Zero service fees publicly advertised
- —AI-driven investment insights
- —SEBI/RBI-linked investment rails and encrypted AWS-hosted stack
Technology
Python
Django
Flask
React
Flutter
MySQL
PostgreSQL
MongoDB
Redis
Elasticsearch
Docker
Kubernetes
AWS
Git
Customers
Indian retail investors
Indian millennials
Individual investors seeking mutual funds, digital gold, and fixed deposits
Competitors
Groww
Zerodha Coin
INDmoney
ET Money
Kuvera
Smallcase
Scripbox
Scale & contact
Estimated revenue
$1M-$10M
Estimated monthly visits
2.2K
Traffic estimate as of Jan 2026
Latest news
LinkedIn · Jul 2026
Koshex explained side pocketing in mutual funds and why fund houses use it to isolate stressed assets.
LinkedIn · Jul 2026
Koshex posted a comparison of ETFs and mutual funds, emphasizing liquidity, costs, and investing style.
LinkedIn · Sep 2024
Akash Agrawal announced Koshex had crossed $100M in assets under management.
Fintech Global · Apr 2022
External coverage of Koshex's seed financing, led by Y Combinator, with participation from several venture and angel investors.
Jobs and careers at Koshex
0 jobs at Koshex
No open positions
Check back later for new openings