Kosh Loan App

Features Kosh Loan App

Kosh is a digital Group Loan App designed by Adhikosh Financial Advisory Pvt Ltd (a Delhi-headquartered FinTech Company).
We work with RBI registered NBFCs to provide group loans of upto Rs.
2 Lakhs at affordable interest rates as Direct Cash transfer.Repay your loans conveniently through flexible EMI options and improve your CIBIL score.
Check your Statement of Accounts.Take advantage of the user-friendly interface and completely paperless and online process to get cash quickly in your bank account.Kosh has partnered with NBFCs, licensed by the Reserve Bank of India (RBI) and is totally secure.Key FeaturesLoan Amount: Rs 20,000 to Rs 2,00,000Minimum Annual Percentage Rate (APR): 18%Maximum APR: 33% (reducing balance)Minimum repayment period: 6 monthsMaximum repayment period: 12 monthsProcessing Fees: 2% (Max ₹2000 incl GST)Prepayment Fees: NilA representative example of the total cost of the loan
✔ Amount Borrowed (Principal) = ₹20000/-
✔ Interest Rate (APR) = 18% - 33%
✔ Tenure = 10 months
✔ Processing Fee = ₹400
✔ Amount disbursed = ₹19,600
✔ Your EMI amount = ₹2315 (sample monthly payment based on PMT method)
✔ Interest amount = ₹2315 x 10 - ₹20000 = ₹3150 (sample interest calculation)
✔ Total Cost of Loan (Including all applicable fees) = Processing Fee + Interest Amount + Principal = ₹400 + ₹3150 + ₹20000 = ₹23550Features1.
Upto Rs 2,00,000 limit2.
Instant money transfer to bank account4.
100% paperless process5.
Minimal documentation.6.
Flexible loan and EMI amount options7.
Instant eligibility checkEligibility1.
Indian citizen2.
Age above 20 years3.
Age below 65 YearsDocuments requirement1.
PAN number2.
Aadhaar number3.
Salary Slip / Employment IdHow to apply1.
Install Kosh App2.
Register using your mobile number3.
Add your group members for Group Loan4.
Fill your basic details to check your loan eligibility5.
Choose the loan and EMI amount of your choice6.
Complete the KYC with selfie and Aadhaar7.
Enter bank details for money transfer7.
Loan Approved and Disbursed Reach us at [email protected] for any of your queries.
Or call at 8826790791Operational Cities • Delhi NCR: New Delhi, Gurgaon, Noida, Greater Noida, Faridabad • Himachal Pradesh: Shimla, Baddi, Parwanoo, Solan • Haryana: Chandigarh, Karnal, Panipat, Ambala, Sonipat, Kundli • Punjab: Amritsar, Ludhiana, Jalandhar, Mohali, Ropar, Bathinda, Fatehgarh Sahib • Rajasthan: Kota, Jaipur, Udaipur, Jodhpur, Neemrana • Uttar Pradesh: Mathura, Meerut, Agra • Uttarakhand: Haldwani, Haridwar • Madhya Pradesh: Jabalpur, Indore, Allahabad • Gujarat: Ahmedabad, Vadodara, ValsadData Security Your data is transferred over a secure HTTPS connection, and we do not share it with anyone without your consent.
All the transactions are secured via a 128-bit SSL encryption.Our app requires some permissions to provide you a loan in a fast and easy manner.
We need access to your User Account data such as name and email to auto fill your application and help you login.
We also need access to your financial sms to enrich credit profile, auto read otp and give the best instant loan.
We need access to your contacts for group creation.
We need access to your location to verify your address.
We require permission to access your contacts to get references for your loan application.
For easy upload of documents in the app, we require access to Camera and Photo Gallery.
We also need access to your device info to prevent misuse by any other individual.Privacy Policy - https://getkosh.com/privacy-policy.htmlNBFC Partners - 1) Arthmate Financing India Private Limited (Formerly Mamta Projects Pvt Ltd)2) Finkurve Financial Services LimitedOur office address is:Adhikosh Financial Advisory Pvt.
Ltd.Plot 114, Sector 44, Gurgaon,Haryana 122003