Company Intelligence Profile
Adhikosh Financial Advisory Private Limited
Adhikosh Financial Advisory Pvt Ltd operates as "Kosh" (getkosh.com), a Gurugram-based fintech positioning itself as a "Neobank for Bharat." It provides digital Joint Liability Group (JLG) microcredit/lending to blue-collar and migrant workers in industrial/commercial hubs, marketing instant loan approval, lower inter…
CIN: U67110HR2019PTC083828Active (Compliant), Unlisted Private Limited Company. [Source: Tofler, TheCompanyCheck]Conflicting: Tofler lists RoC-Haryana; TheCompanyCheck lists RoC-Delhi (the Delhi & Haryana ROC jurisdiction is a single joint office historically, so this is likely a naming/format variance rather than a true conflict, but not independently resolved).Confidence: medium
AI OverviewGenerated from public records
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
Company Identity
Confirmed| Registered name | Adhikosh Financial Advisory Private Limited |
|---|---|
| CIN | U67110HR2019PTC083828 |
| PAN | AASCA9796Q [Tofler only — single source, partial/unconfirmed] |
| Status | Active (Compliant), Unlisted Private Limited Company. [Source: Tofler, TheCompanyCheck] |
| Listing | No — unlisted private company. [TheCompanyCheck] |
| Incorporated | 25 November 2019 [Tofler, TheCompanyCheck — both agree] |
| ROC | Conflicting: Tofler lists RoC-Haryana; TheCompanyCheck lists RoC-Delhi (the Delhi & Haryana ROC jurisdiction is a single joint office historically, so this is likely a naming/format variance rather than a true conflict, but not independently resolved). |
| Sector (NIC) | Finance / NBFC-adjacent fintech — filed activity codes cover "support services to organisations" and "computer programming and consultancy"; operates as a digital lending (JLG microcredit) neobank under brand "Kosh". [Tofler, TheCompanyCheck, LinkedIn] |
| Registered address | B2-1102, Palm Grove Heights Apartment, Ardee City, Sector 52, Gurgaon, Haryana - 122003 [Tofler, TheCompanyCheck — both agree] |
| Authorized capital | ₹1.65 crore [Tofler, TheCompanyCheck — both agree] |
| Paid-up capital | Conflicting figures: ₹1.04 crore (Tofler) vs ₹1.33 crore (TheCompanyCheck, more recent snapshot) — capital likely increased between the two data pulls; treat ₹1.33 Cr as more current. |
Business Overview
Confirmed- Adhikosh Financial Advisory Pvt Ltd operates as "Kosh" (getkosh.com), a Gurugram-based fintech positioning itself as a "Neobank for Bharat." It provides digital Joint Liability Group (JLG) microcredit/lending to blue-collar and migrant workers in industrial/commercial hubs, marketing instant loan approval, lower interest rates, flexible EMIs, collateral-free and low-paperwork loans
- Founded 2019, ~51-200 employees (172 on LinkedIn
- 197 per EPFO per TheCompanyCheck), recognised as a DPIIT startup. [LinkedIn company page, TheCompanyCheck, getkosh.com]
Directors
Partial / conflicting| Name | DIN | Role | Appointed |
|---|---|---|---|
| Sahil Bansal | 07590487 | appears on both Tofler and TheCompanyCheck. Conflicting/partial: Tofler older snapshot also lists Aayush Goel, DIN 08291107, as a director | - |
Financials
Partial / conflicting- FY2025: Revenue ₹24.71 crore, reported as 35% YoY growth [TheCompanyCheck — single source, partial, not corroborated elsewhere]
- EBITDA and Net Profit not obtained (locked behind TheCompanyCheck's premium report)
- Net worth not obtained
- Standalone vs consolidated basis not specified in the source
Charges / Loans
Partial / conflicting- Partial, single-sourced (TheCompanyCheck only): Open charges totalling ₹64.5 crore
- Satisfied charges totalling ₹41 crore
- Lenders: State Bank of India (₹4.9 crore), Others/unspecified lenders (₹59.6 crore)
- Not corroborated by a second source
Competitors
Partial / conflicting- Peers in Indian blue-collar/gig-worker digital microcredit and neobank-style lending: KreditBee, Kissht, SmartCoin, CASHe, KarmaLife (earned-wage-access for blue-collar workers), and Jai Kisan (rural/blue-collar-focused lending)
- Most are Series A-C stage NBFC-tech/fintech lenders operating at a broadly similar or larger scale than Kosh
- exact revenue comparisons not independently verified here
Frequently Asked Questions
What does Adhikosh Financial Advisory Private Limited do?
Adhikosh Financial Advisory Pvt Ltd operates as "Kosh" (getkosh.com), a Gurugram-based fintech positioning itself as a "Neobank for Bharat." It provides digital Joint Liability Group (JLG) microcredit/lending to blue-collar and migrant workers in industrial/commercial hubs, marketing instant loan approval, lower inter…
What is the CIN of Adhikosh Financial Advisory Private Limited?
The Corporate Identification Number (CIN) of Adhikosh Financial Advisory Private Limited is U67110HR2019PTC083828.
Where is Adhikosh Financial Advisory Private Limited registered?
Adhikosh Financial Advisory Private Limited is registered with Conflicting: Tofler lists RoC-Haryana; TheCompanyCheck lists RoC-Delhi (the Delhi & Haryana ROC jurisdiction is a single joint office historically, so this is likely a naming/format variance rather t…. Registered address: B2-1102, Palm Grove Heights Apartment, Ardee City, Sector 52, Gurgaon, Haryana - 122003 [Tofler, TheCompanyCheck — both agree]
When was Adhikosh Financial Advisory Private Limited incorporated?
Adhikosh Financial Advisory Private Limited was incorporated on 25 November 2019 [Tofler, TheCompanyCheck — both agree].
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