Kosh

Five tools. One mission.

Every feature built around a simple idea: show people what their money is actually doing — and help them do better.

Most viral

Forgotten money scanner

₹1.84 lakh crore is sitting unclaimed in India. Some of it might be yours.

We check 5 official government sources simultaneously — IEPF, EPFO, UDGAM (RBI), LIC, and MF Central — using just your PAN number. Most Indians with more than 5 years of work history have something waiting.

Try it free

How it works

  1. 1Enter your PAN and date of birth
  2. 2We run 5 parallel queries to government databases
  3. 3Results arrive in 30–90 seconds
  4. 4If money is found, we help you claim it (success fee only on recovery)

Data sources

  • IEPF — unclaimed dividends & shares from listed companies
  • EPFO — inoperative PF from previous jobs
  • UDGAM (RBI) — dormant bank deposits across 30+ banks
  • LIC — matured policies not claimed
  • MF Central — unclaimed MF dividends & redemptions
10 minutes

ITR filing — done right

Most Indians overpay ₹5,000–₹15,000 every year by not knowing about deductions.

Upload your Form 16. Our AI reads every line — salary breakdown, TDS paid, all deductions declared. We compute your tax under both regimes, show you the difference, find unused deductions, and generate a ready-to-file ITR-1 XML.

Try it free

How it works

  1. 1Upload Form 16 PDF (employer gives this by June 15)
  2. 2Claude extracts all fields automatically in 10–15 seconds
  3. 3We compare old vs new regime and recommend the better one
  4. 4Find unused deduction capacity (80C, 80D, NPS, HRA)
  5. 5Download ITR-1 XML to upload to incometax.gov.in

Data sources

  • Form 16 (Part A + B)
  • Form 26AS (optional — TDS from all sources)
  • AIS statement (optional — full financial year transactions)
  • Capital gains statement from broker (for ITR-2 users)
Monthly habit

Net worth — one number, every account

Your net worth is scattered across 10 places. We show it in one.

Connect your bank (via RBI's Account Aggregator — no password sharing), upload your mutual fund CAS statement, link your demat via CDSL, and add manual entries for real estate and gold. One dashboard, updated every month.

Try it free

How it works

  1. 1Connect bank accounts via Account Aggregator (RBI framework)
  2. 2Upload CAS statement from MF Central / CAMS / KFintech
  3. 3Link demat account via CDSL SCOUT API
  4. 4Add manual: real estate, gold, PPF, NPS, vehicles
  5. 5Monthly snapshot saved automatically — track growth over time

Data sources

  • Account Aggregator (Setu/Finvu) — RBI regulated, no password
  • MF Central — mutual fund holdings via CAS
  • CDSL SCOUT — stock portfolio
  • Live gold rate API (IBJA)
  • NSE/BSE live prices
Saves ₹25K/yr

Insurance gap radar

8 in 10 Indians are critically underinsured — often in the same category they think they're covered.

Upload all your insurance policies. We extract coverage details using AI, map them against 10 risk categories, find dangerous gaps (like zero critical illness cover) and expensive overlaps (like double hospitalisation cover you're paying for twice).

Try it free

How it works

  1. 1Upload policy PDFs — health, term, accident, LIC, vehicle
  2. 2Claude extracts: sum insured, covered events, exclusions, sub-limits, waiting periods
  3. 3We map against 10 coverage categories for each family member
  4. 4Highlight gaps (red) and overlaps (amber) visually
  5. 5Recommend gap fillers via Policybazaar affiliate

Data sources

  • Your uploaded insurance policy PDFs
  • IRDAI guidelines for minimum coverage benchmarks
  • Policybazaar API for gap-filling product recommendations
Know your worth

Salary reality check

60% of salaried Indians are in the wrong tax regime. Most don't know what their employer deducts or why.

Upload your payslip. We show you the true in-hand breakdown, verify your PF is being deposited correctly, calculate your HRA exemption eligibility, check your tax regime, and compare your CTC against anonymised benchmarks from similar roles across India.

Try it free

How it works

  1. 1Upload latest payslip PDF
  2. 2Claude extracts all earnings and deduction components
  3. 3Verify PF deduction matches statutory requirement (12% of basic)
  4. 4Calculate actual HRA exemption eligibility (often underclaimed)
  5. 5Compare CTC percentile: role × city × experience × company size

Data sources

  • Your payslip PDF
  • Anonymised community salary data (user-submitted)
  • LinkedIn Salary data (seeded benchmark)
  • EPF portal for PF verification guidance

All five. One account. Always free.

Start with the money finder — takes 3 minutes.

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