Kosh Loan App Download Free for Affordable Group Loans at Your Fingertips 2025

The Kosh Loan App is a digital group loan platform designed by Adhikosh Financial Advisory Pvt Ltd, a Delhi-headquartered FinTech company. It collaborates with RBI-registered NBFCs to provide group loans of up to Rs. 2,00,000 through direct cash transfers at affordable interest rates. This app offers users the convenience of flexible EMI options and a seamless way to improve their CIBIL scores, all while enabling instant access to funds with minimal documentation.

Kosh Loan App Download Free for Affordable Group Loans at Your Fingertips 2025

Why Choose the Kosh Loan App?

Kosh Loan App is the go-to solution for borrowers seeking a user-friendly, paperless, and secure loan application experience. From checking your statement of accounts to repaying loans conveniently, this app ensures a streamlined process. Here’s why you should consider it:

• Instant money transfers directly to your bank account
• Flexible loan and EMI options tailored to your needs
• Complete transparency in loan details and charges
• A fully paperless application process
• Enhanced data security through 128-bit SSL encryption

Key Features of the Kosh Loan App

Loan Amount: Rs 20,000 to Rs 2,00,000
Minimum APR: 18%
Maximum APR: 33% (reducing balance)
Minimum Repayment Period: 6 months
Maximum Repayment Period: 12 months
Processing Fees: 2% (maximum Rs. 2,000 including GST)
Prepayment Fees: Nil

Loan Cost Example

To better understand the loan costs, consider the following example:

• Amount Borrowed (Principal): Rs. 20,000
• Interest Rate (APR): 18% to 33%
• Tenure: 10 months
• Processing Fee: Rs. 400
• Amount Disbursed: Rs. 19,600
• EMI Amount: Rs. 2,315 (calculated using PMT method)
• Interest Amount: Rs. 3,150
• Total Loan Cost: Rs. 23,550 (inclusive of all fees)

Features That Set Kosh Loan App Apart

1. High Loan Limits: Borrow up to Rs. 2,00,000 for your financial needs.
2. Quick Disbursement: Funds are transferred instantly to your bank account.
3. Paperless Process: A 100% digital application process ensures efficiency.
4. Minimal Documentation: Apply with just a few essential documents.
5. Flexible Options: Choose loan amounts and EMIs that suit your budget.
6. Instant Eligibility Check: Verify your eligibility in moments.

Eligibility Criteria

To apply for a loan via the Kosh Loan App, you need to meet the following conditions:

1. Be an Indian citizen
2. Be aged between 20 and 55 years

Required Documents

You’ll need the following to complete your application:

• PAN Number
• Aadhaar Number
• Salary Slip or Employment ID

How to Apply for a Loan

Follow these simple steps to get started:

1. Install the Kosh Loan App from the app store.
2. Register using your mobile number.
3. Add your group members for a group loan application.
4. Fill in your basic details to check loan eligibility.
5. Select your preferred loan amount and EMI option.
6. Complete KYC by uploading a selfie and Aadhaar details.
7. Enter bank details for direct fund transfer.
8. Once approved, your loan amount will be disbursed instantly.
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Cities Where Kosh Loan App Operates

Kosh Loan App currently serves customers in the following regions:

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

Data Security and Permissions

Kosh Loan App ensures the utmost security of your data. All information is transmitted via a secure HTTPS connection, and no data is shared without your explicit consent. Here’s how your data is handled:

• User Account Access: Auto-fill application forms and assist with login.
• Financial SMS Access: Enhance your credit profile and auto-read OTPs for quick processing.
• Location Access: Verify your address seamlessly.
• Contact Access: Gather references for your loan application.
• Camera and Gallery Access: Simplify document uploads.
• Device Info Access: Prevent misuse of the app.

Privacy Policy

Read our detailed privacy policy here: Privacy Policy

NBFC Partners

The Kosh Loan App partners with the following RBI-registered NBFCs to provide secure and reliable loans:

1. Vivriti Capital Limited
2. Narendra Finance Co Pvt Ltd

Contact Us

Have questions or need assistance? Reach out to us:

• Email: public@getkosh.com
• Phone: +91 8595623585
• Office Address: Adhikosh Financial Advisory Pvt. Ltd., Plot 114, Sector 44, Gurgaon, Haryana 122003

Kosh Loan App offers a reliable and transparent platform for accessing group loans. With minimal documentation, instant disbursement, and secure processing, it’s the perfect financial solution for your needs. Download the app today and take control of your financial future!