Kosh Loan App app icon

Kosh Loan App

Adhikosh Financial Advisory · com.kosh

Not rated yet 100K+ downloads v3.2.1 140.2 MB Android 9+ PEGI 3 · Everyone

Download APK 140.2 MB All versions
  • Signature matches the Google Play version Details

At a glance

Latest version
v3.2.1 (179)
Updated
Oct 4, 2025 (1 year ago)
APK size
140.2 MB
Requires
Android 9+ (API 28)
CPU support
x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit, ARM 64-bit, MIPS
Graphics
OpenGL ES 2.0+
Category
Finance (app)
Listed since
Jan 7, 2022 (at least)
Permissions
34 (4 sensitive)
Website
getkosh.com
Developer contact
[email protected]
Privacy
Developer's privacy policy

About this APK

Kosh Loan App is an app by Adhikosh Financial Advisory in the Finance category, listed since at least January 2022. It includes native code for x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit, ARM 64-bit and MIPS, so it runs on practically every phone.

It asks for 34 permissions, 4 of them sensitive, including camera, record audio and read sms. The app can read the advertising ID that ad and analytics services use.

What's new in v3.2.1

Updated the prominent disclosure as per policy.

Description

From the listing uploaded by “catappult”.

Kosh is a digital Group Loan App designed by Adhikosh Financial Advisory Pvt Ltd (a Delhi-headquartered FinTech Company). We work with RBI registered NBFCs to provide group loans of upto Rs. 2 Lakhs at affordable interest rates as Direct Cash transfer. Repay your loans conveniently through flexible EMI options and improve your CIBIL score. Check your Statement of Accounts. Take advantage of the user-friendly interface and completely paperless and online process to get cash quickly in your bank account. Kosh has partnered with NBFCs, licensed by the Reserve Bank of India (RBI) and is totally secure. Key Features Loan Amount : Rs 20,000 to Rs 2,00,000 Minimum Annual Percentage Rate (APR) : 18% Maximum APR : 33% (reducing balance) Minimum repayment period : 6 months Maximum repayment period : 12 months Processing Fees : 2% (Max ₹2000 incl GST) Prepayment Fees : Nil 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\ 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 loan. We need access to your contacts for group creation. 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 NBFC Partners - 1) Arthmate Financing India Private Limited (Formerly Mamta Projects Pvt Ltd) 2) Finkurve Financial Services Limited Our office address is: Adhikosh Financial Advisory Pvt. Ltd. Plot 114, Sector 44, Gurgaon, Haryana 122003

Security & authenticity

Security rating: Trusted

Signing certificate

  • Signature matches the Google Play version Checked by the source store on Jul 12, 2024.
  • Certificate issued to “Adhikosh Financial Technologies LLP” This is the certificate of the Google Play version.

Store checks and file details

  • Developer signature verified Jul 12, 2024
  • Validated against Google Play Jul 12, 2024
  • Signed byCN=Unknown, OU=Unknown, O="Adhikosh Financial Technologies LLP ", L=Delhi NCR, ST=Unknown, C=IN
  • Signing certificate (SHA-1)51:38:72:89:F0:AE:6C:9E:D4:4C:1E:EB:6F:EA:B2:81:B0:1A:19:F3
  • File MD523df08fd16b249c744c01046feb3fe48
  • Uploaded by “catappult” Platinum tier · 1,377 followers · uploading since 2018

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures. AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (34)

Kosh Loan App requests 34 permissions, 4 of them sensitive.

Required hardware & features

Kosh Loan App APK: questions and answers

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the Kosh Loan App APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. After downloading, check that the file's MD5 is 23df08fd16b249c744c01046feb3fe48.

Tags

kosh finance microfinance

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