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…
Last updated 11 August 2026
Adhikosh Financial Advisory Pvt Ltd, operating as "Kosh," is a Gurugram-based fintech that provides digital Joint Liability Group (JLG) microcredit to blue-collar and migrant workers in industrial and commercial hubs. In FY2025, the company reported a revenue of ₹24.71 crore, reflecting a 35% year-on-year growth. Founded in 2019, it is recognized as a DPIIT startup.
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
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Company Identity
| Registered name | Adhikosh Financial Advisory Private Limited |
|---|---|
| CIN | U67110HR2019PTC083828 |
| PAN | AASCA9796Q |
| Status | Active (Compliant), Unlisted Private Limited Company. |
| Listing | No — unlisted private company. |
| Incorporated | 25 November 2019 |
| ROC | Conflicting: Tofler lists RoC-Haryana |
| 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". |
| Registered address | B2-1102, Palm Grove Heights Apartment, Ardee City, Sector 52, Gurgaon, Haryana - 122003 |
| Authorized capital | ₹1.65 crore |
| Paid-up capital | Conflicting figures: ₹1.04 crore vs ₹1.33 crore — capital likely increased between the two data pulls; treat ₹1.33 Cr as more current. |
Business Overview
- 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, recognised as a DPIIT startup
Directors
| Name | DIN | Role | Appointed |
|---|---|---|---|
| Sahil Bansal | 07590487 | - | - |
Financials
- Revenue ₹24.71 crore, reported as 35% YoY growth. EBITDA and Net Profit not obtained. Net worth not obtained. Standalone vs consolidated basis not specified in the source
Charges / Loans
- 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
- 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
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