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Kosh

Kosh brings affordable credit to India's workforce

Visit Kosh

Kosh is a group loan app for India's blue-collar workforce, offering fully digital credit without paperwork or collateral. Loans are disbursed through RBI-compliant lending partners, with a dedicated chat window for each loan that delivers EMI reminders, loan status and KYC updates, approval notes, and in-chat support.

The app supports loan amounts up to ₹2,00,000, credited within hours after documentation, with flexible EMIs and collateral-free borrowing. It is available as a mobile app on Android, with tools including an EMI calculator and a Pay EMI option. Kosh is aimed at individual workers and group members, including women entrepreneurs. The pages do not specify a free plan, trial, or edition structure.

11 alternatives to Kosh

Ranked by how well each tool replaces Kosh: shared features, audience, price and popularity.

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  2. Yenmo

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  4. Kashin

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  5. ClickPe

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  8. Kodo

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  9. Kashoo

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  10. Toshl

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  11. Kuzhu

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