Your Financial Operating System for India

Your money.
All of it. Found.

Scan for forgotten PF, dividends & deposits. File your ITR in 10 minutes. Track net worth across every account. Fix your insurance gaps. Always free for users.

No credit card. No bank login. PAN encrypted with AES-256. Open source.

₹1.84L Cr
Unclaimed money in India
9 Cr+
ITR filers every year
₹0
Cost to users (always free)
5 min
Average time to first insight

Five tools. One financial life.

Everything built around one principle: we make money only when we save you money.

How it works

From sign-up to first insight in under 5 minutes.

01

Create account

Email or Google. No credit card. Takes 30 seconds.

02

Enter your PAN

Your PAN is encrypted with AES-256 — we can't read it, only use it for queries.

03

See your full picture

Forgotten money, tax savings, insurance gaps, and net worth — all on one dashboard.

Real people. Real money found.

"Found ₹18,400 in an old IEPF dividend I had no idea about. The whole process took 3 minutes."

Priya Sharma
Senior Developer · Pune

"Switched to old tax regime after Kosh showed me I was losing ₹11,200/year. Wish I knew sooner."

Rahul Desai
Finance Manager · Mumbai

"My insurance audit was eye-opening — I was double-covered on hospitalisation and had zero critical illness cover."

Ananya Krishnan
Product Manager · Bengaluru
Why is Kosh free?

We win when you win.

We never charge you directly. Our model: earn from affiliates and recovery fees only after you benefit.

We earn a small success fee only when we help you recover forgotten money

Insurance products recommended through us pay us — not you

We get affiliate fees when you invest through links we suggest

CA-assisted filing (complex cases) is paid — simple ITR is always free

AES-256 encrypted PAN
HTTPS + CSP headers
No data sold — ever
Open source (MIT)

Start in 30 seconds.

No card. No bank login. Just your email and PAN.

Find your money free