Kosh YC Application
Kosh went through Y Combinator in the Winter 2020 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.
- YC batch
- Winter 2020
- Industry
- FintechCredit and Lending
- Team size
- 56
- Status
- Active
- Launched
- 2020
Founders
Sahil BansalFounder
Aayush GoelFounder
What Kosh does
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's YC application, reconstructed
Y Combinator application
Kosh, Winter 2020 batch. The real form questions, answered from public data.
- Founders2
- Company7
- Progress7
- Idea4
- Equity3
- Curious2
- Batch Preference1
Company
Kosh
Creating Microfinance 2.0
We built a digital lending platform serving India's blue-collar workers. Our product uses a joint liability model where social connections help assess creditworthiness and reduce risk. This lets us reach a large, underserved segment with more affordable credit while keeping acquisition and operational costs down.
We live in Gurugram, Haryana, India, and would continue to base the company here after YC.
We are based in Gurugram because India's blue-collar segment and digital lending opportunity are local to us. Staying close helps us understand our users and build trust in the communities we serve.
21 more answers in the full application
Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.
Frequently Asked Questions
Is this the real Kosh YC application?
No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Kosh's public data (launch notes, founder backgrounds, product description). It shows how a company like Kosh would present itself to YC, not the text they submitted.
What YC batch was Kosh in?
Kosh was part of the Y Combinator Winter 2020 batch.
Who founded Kosh?
Kosh was founded by Sahil Bansal, Aayush Goel.
What does Kosh do?
Creating Microfinance 2.0.
How do I read the full reconstructed application?
Create a free Round Funded account. The full 26-answer version of Kosh's application, and every other YC batch, is in YC Insights.
More YC startups like Kosh
