Banking lending

Kosh

Website
Founded 2020Origin source ↗Checked 2026-09-15

Overview

Kosh is a digital lending platform in India, empowering blue-collar workers with a unique joint liability model (much like microfinance but for a different segment). The social component of their underwriting helps control credit risk significantly and lower CAC/Opex in one go, making this 150mn-strong segment credit-worthy.

Company description As recorded 2026-11-08

Founders & team

Sahil Bansal

Founder

Cofounder of Kosh. Graduated from IIT Delhi in 2014. Worked as a quant strat at Goldman Sachs in their Investment Banking Division. Currently managing sales and operations at Kosh.

Founder profile As recorded 2026-09-15

Aayush Goel

Founder

Trying to scale myself as a leader as Kosh scales. ex-Goldman Sachs, Graduate from IIT Delhi. Forbes u30 Asia.

Founder profile As recorded 2026-09-15
56team members reported
Source-reported As recorded 2026-09-15

Founded 2020 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedGurugram, HR, India; HR, India
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The latest capture is empty, blocked or a parked website.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year