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Kosh

YC W20

Gurugram, IN · Founded 2020 · 56 employees · 11 known investors

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Kosh provides digital lending to blue-collar workers in India through a joint liability model that uses social networks to assess creditworthiness and reduce costs. The platform targets credit access for a 150-million-person segment previously considered underserved.

Also known as Adhikosh Inc.

FintechSocialIndiaConsumer FinanceDiversity & InclusionSouth AsiaPartly Remote

Founders & leadership· Y Combinator alumni (W20)

Kosh was founded in 2020 by Sahil Bansal and Aayush Goel.

SBSahil Bansal
Sahil BansalCo-FounderSahil Bansal graduated from IIT Delhi in 2014 and worked as a quantitative strategist in Goldman Sachs' Investment Banking Division before cofounding Kosh, where he now leads sales and operations.
AGAayush Goel
Aayush GoelCo-FounderAayush Goel previously worked at Goldman Sachs and graduated from IIT Delhi. He is now leading Kosh.

Investors · 11

CDM Capitallisted by CDM CapitalMumbai · $1M

How we know: CDM Capital's portfolio page · Not right? Tell us

IIMA Ventureslisted by IIMA VenturesAhmedabad

How we know: IIMA Ventures's portfolio page · Not right? Tell us

India Quotientlisted by India QuotientBengaluru

How we know: India Quotient's portfolio page · funding news · the VCSheet dataset · Y Combinator's founder network · Not right? Tell us

VentureSouqlisted by VentureSouqAbu Dhabi · $100K – $10M

How we know: Y Combinator's founder network · venturesouq.com · Not right? Tell us

Y Combinatorlisted by Y CombinatorSan Francisco · $500K

How we know: the Y Combinator directory · open dataset · 5k.vc investor directory · Not right? Tell us

9Unicorns Accelerator FundreportedMumbai

How we know: Y Combinator's founder network · Not right? Tell us

LVX VenturesreportedBangalore

How we know: Y Combinator's founder network · Not right? Tell us

Nikken HousingreportedNaha

How we know: Y Combinator's founder network · Not right? Tell us

OkikenreportedTokyo

How we know: Y Combinator's founder network · Not right? Tell us

Venture Catalysts | India's First Integrated IncubatorreportedMumbai

How we know: Y Combinator's founder network · Not right? Tell us

Related companies · 5

tEQuitabletEQuitable provides technology to help companies improve workplace psychological safety and employee engagement. The startup serves organizations seeking to foster healthier work cultures and identify workplace issues early.
CheqUPICheq is a UPI-powered digital wallet designed for foreign tourists and non-resident Indians to make payments across India using their smartphones. The wallet integrates with the UPI platform and accepts use at over 50 million merchants including hotels, restaurants, and local stores.
FondeadoraFondeadora is a financial platform in Mexico offering banking accounts and services for individuals, freelancers, and small businesses. The platform provides financial management tools tailored to each customer segment.
KinroKinro is an online insurance marketplace that helps business owners find and compare commercial insurance coverage in minutes. The platform leverages partnerships with 50+ carriers and AI-powered guidance to simplify quote comparison and policy selection for small businesses.
SunsetSunset helps families locate and manage investment accounts, mutual funds, ETFs, bonds, and other financial assets held by deceased individuals across US brokers and custodians. The platform automates asset discovery, handles transfer paperwork, and can set up estate bank accounts for consolidating and distributing inherited assets.

Companies working in the same space as Kosh.

Legal entities · 1

corporate structure
Adhikosh Inc.

Frequently asked questions

What does Kosh do?
Kosh provides digital lending to blue-collar workers in India through a joint liability model that uses social networks to assess creditworthiness and reduce costs. The platform targets credit access for a 150-million-person segment previously considered underserved.
Who founded Kosh?
Kosh was founded by Sahil Bansal, Aayush Goel in 2020.
Who are Kosh's investors?
Kosh's investors include Capria Ventures, CDM Capital, IIMA Ventures, India Quotient, VentureSouq, Y Combinator, 9Unicorns Accelerator Fund, LVX Ventures and 3 more.
Where is Kosh headquartered?
Kosh is headquartered in Gurugram, IN.