Paykosh

Who We Are

PayKosh is a fintech company building the core technology behind modern financial institutions. We provide smart, secure, and scalable backend systems that help NBFCs, MFIs, neobanks, and finance-driven businesses run better and grow faster.

Whether you're managing loans, people, or payments; we build the tools that make it easier.

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Our Products

For Businesses

Loan Origination System (LOS)

Streamline loan application, approval, and disbursal with a fully digital, customizable LOS.

Loan Management System (LMS)

Manage the full loan lifecycle, from EMI tracking to collections, through one secure platform.

Loan Collection System

Automate and streamline your loan recovery process with real-time tracking, and centralized collection workflows.

HR Services

Simplify employee onboarding and documentation with end-to-end digital workflows, built for fast-growing financial institutions.

HR Management Services

Simplify employee records, automate payroll, and stay compliant with ease.

Accounting Software Solutions

Make smarter decisions with real-time financial reports, dashboards, and automated accounting tools.

Finana: Bank Statement Analyzer

Leverage AI to instantly analyze bank statements, access creditworthiness, flag risks, and generate automated financial insights within seconds.

Penny Drop Verification

Instantly verify bank account details with high-accuracy penny drop APIs.

Penny Less Disbursals

Send bulk payouts securely without needing pre-verification deposits.

For Customers

Paykosh Borrowing

Get access to reliable and hassle-free financing through PayKosh Borrowing. Whether you need a personal loan, a vehicle loan, or support for a home mortgage, we offer transparent terms, competitive rates, and a fully digital application process.

Our goal is to make borrowing simple, fast, and accessible so you can focus on what matters most, while we handle the rest.

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Upcoming Products

What’s Next for PayKosh

"Bringing financial access and digital services to every user - fast, secure, and mobile-first."

PayKosh Wallet

A smarter way to store and spend

Payment Gateway

Fast, secure, and developer-friendly

Loan Repayments & Insurance

Simple, trackable, reliable

FASTag Recharge

Reload on the go

Cable & Utility Payments

One platform for every bill

Mobile & DTH Recharge

Instant top-ups, anywhere

BBPS

Unified, secure bill payments at your fingertips

Fintech Leaders In India 2024

India’s fintech ecosystem is a powerhouse of innovation, driving financial inclusion and reshaping the global financial landscape. With over 2,300 fintech companies and a projected market size of $150 billion by 2025, India is one of the fastest-growing fintech hubs in the world. From UPI processing $1.3 trillion in transactions in FY23 to advancements in digital lending, neobanking, and insurtech, fintech is revolutionising access and efficiency across sectors. But at the core of this growth are the leaders shaping a stronger and more inclusive financial ecosystem.

These trailblazers are leveraging technologies like AI, blockchain, and data analytics to build scalable, secure solutions for unique challenges such as credit access, fraud prevention, and financial literacy. By fostering inclusion, they are bringing millions into the formal economy while enabling businesses to thrive in a digital first world. Cross-border payment systems and blockchain innovations are further integrating India into global financial systems, solidifying its position on the world stage

Let's Donate!

Our donation digital platform is also designed with your convenience in mind. You can easily search for causes and organizations based on location, category, or keyword. We understand that transparency and accountability are important when it comes to charitable giving. That's why we work closely with our partner organizations to ensure that your donations are being used effectively and efficiently. We provide regular updates and reports on the impact of your donations, so you can see the difference you're making in the world. So why wait? Visit our donation digital platform today and start making a difference. With just a few clicks, you can support a cause you care about and help make the world a better place.

Driving India’s Fintech Evolution

One Institution.

One Solution.

One Step At A Time.