Is KOSH Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “KOSH”
- 🏛️ Deployed by: 5 regulated entities (see below)
- 📧 Grievance officer: anindeeta@getkosh.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 KOSH — What RBI's DLA Directory Records
| Regulated entity | HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Adhikosh Financial Advisory Pvt Ltd (Kosh) |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Anindeeta Chakraborty |
| Grievance contact | anindeeta@getkosh.com · 9667712308 |
| Regulated entity | HINDON MERCANTILE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Adhikosh Finserve Pvt Ltd |
| Entity website | https://hindon.co/ |
| Grievance officer | Savita Bhogra |
| Grievance contact | helpdesk@mufinfinance.com · 1143094300 |
| Regulated entity | VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Adhikosh Financial Advisory Pvt Ltd (Kosh) |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Anindeeta Chakraborty |
| Grievance contact | anindeeta@getkosh.com · 9667712308 |
| Regulated entity | LIGHT MICRO FINANCE PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | Adhikosh Financial Advisory Private Limited |
| Entity website | https://lightfinance.com |
| Grievance officer | Anindeeta Chakraborty |
| Grievance contact | ANINDEETA@GETKOSH.COM · 9667712308 |
| Regulated entity | NARENDRA FINANCE CO PVT LTD (NBFC) |
| LSP (Lending Service Provider) | None: the app is self-owned by the regulated entity |
| Entity website | https://getkosh.com/ |
| Grievance officer | Anindeeta Chakraborty |
| Grievance contact | Grievance@nfcpl.in · 8065250282 |
📱 Distributed via: Google Play · iOS App Store · Website
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-10-12. Listings are reported by the regulated entities on RBI's CIMS portal without further validation by RBI — a listing is not an RBI endorsement. Always confirm the lender named inside the app matches the entity above before sharing documents.
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❓ Quick Answers
Is KOSH loan app safe?
KOSH is listed in RBI's public directory of Digital Lending Apps, deployed by 5 regulated entities including HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC). The listing is reported by the regulated entity on RBI's CIMS portal — always confirm the lender named inside the app matches one of these entities before sharing KYC.
Which lender is behind KOSH?
KOSH is deployed by 5 RBI-regulated entities: HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED, HINDON MERCANTILE LIMITED, VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED), LIGHT MICRO FINANCE PRIVATE LIMITED, NARENDRA FINANCE CO PVT LTD. Your loan agreement names the specific entity for your loan — check it there.
KOSH customer care / grievance contact?
The grievance redressal officer on record for HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED is Anindeeta Chakraborty — anindeeta@getkosh.com, 9667712308. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against KOSH?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (anindeeta@getkosh.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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