Kosh - Loan App

Kosh is a Loan App where you can get personal loan upto Rs 2 Lakh as Direct Cash transfer in Groups of at-least 3 People.

Important Things to Note About Kosh Loan App

Loan Amount: Rs 20,000 to Rs 2,00,000
Minimum Annual Percentage Rate (APR): 24%
Maximum APR: 33% (reducing balance)
Minimum repayment period: 3 months
Maximum repayment period: 10 months
Processing Fees: 2% (Max ₹2000 incl GST)
Prepayment Fees: Nil
Late Fee - In case overdues exceed 30 days, you'll be charged 2% of outstanding balance. Your bank may also levy charges in case of a bounce.

A 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 = ₹23550

Features
1. Upto Rs 2,00,000 limit
2. Instant money transfer to bank account
4. 100% paperless process
5. Minimal documentation.
6. Flexible loan and EMI amount options
7. Instant eligibility check

Eligibility
1. Indian citizen
2. Age above 20 years
3. Age below 65 Years

Documents requirement
1. PAN number
2. Aadhaar number
3. Salary Slip / Employment Id

How to apply
1. Install Kosh App
2. Register using your mobile number
3. Add your group members for Group Loan
4. Fill your basic details to check your loan eligibility
5. Choose the loan and EMI amount of your choice
6. Complete the KYC with selfie and Aadhaar
7. Enter bank details for money transfer
7. Loan Approved and Disbursed

Reach us at [email protected] for any of your queries. Or call at 8826790791

Operational 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, Valsad

Loan Against Property
Apply for loan against property from Kosh. Seamless process.

Loan Data 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 personal loan. 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.html
Our office address is:
Adhikosh Financial Advisory Pvt. Ltd.
#456, Sector 45, Gurgaon,
Haryana 122003