India's first group loan app providing fast, collateral-free digital loans for blue-collar workers through a joint liability model.
Kosh is a mobile app for India's blue-collar workforce that provides fully digital, collateral-free group loans of up to Rs 2,00,000, with approvals within hours and no paperwork. Using a joint-liability model similar to microfinance, groups of borrowers underwrite each other's risk, enabling lower interest rates and making previously unbankable workers credit-worthy. The app includes a dedicated per-loan chat channel for EMI reminders, status updates, and customer support, backed by RBI-compliant lending partners. Kosh is a product of Kosh.
For people
For agents
Nothing listed yet.