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Kosh (YC W20) — Creating microfinance 2.0

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.

Kosh is a Y Combinator company in the Winter 2020 batch. Its directory entry describes it as: Creating Microfinance 2.0. The founders listed are Sahil Bansal (Founder), Aayush Goel (Founder) (Y Combinator directory entry, March 9, 2020).

6 more companies from YC Winter 2020 ↓

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Kosh

New accelerator entry · 2020-03-09 · the record

Winter 2020
batch
56
people
Early
stage
India
region
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What the record says

BatchWinter 2020
Announced2020-03-09
StageEarly
StatusActive
Team size56
IndustryFintech
Sub-industryFintech -> Credit and Lending
SectorsFintech, Social, India, Consumer Finance, Diversity & Inclusion
RegionsIndia, South Asia, Remote, Partly Remote
BasedGurugram, HR, India; HR, India
HiringNo
Sitehttps://getkosh.com
Founded2020

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Also in YC Winter 2020

Same batch, Fintech first.

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In their words

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.

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What the Full Report on Kosh covers

  1. The Short Answer

  2. Which Company This Is

  3. What They Do, And How The Money Works

  4. Who Runs It, And How To Reach Them

  5. The Money: Funding, Valuation, Runway

  6. Who Pays Them, And Who They Are Up Against

  7. Warning Bells

  8. Sources

    5 cited sources found

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Sourced from the company's Y Combinator directory entry, and from the company's own site, read directly on 2026-09-27 (getkosh.com).

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Kosh: Accepted into Y Combinator Winter 2020
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Permanent URL: https://mentionfox.com/funding/yc-kosh
Last updated 2026-10-20
Primary record: Y Combinator directory entry
Kosh (YC W20) — Creating microfinance 2.0. MentionFox, 2026-10-20. https://mentionfox.com/funding/yc-kosh