PayKosh is a fintech company building the digital tools that support modern financial institutions. We design and deliver scalable, secure, customizable software solutions for financial institutions ranging from NBFCs and microfinance firms to neobanks and other finance-focused organizations. Our current offerings include a suite of B2B services such as Penny Less, Penny Drop, Loan Origination Systems (LOS), Loan Management Systems (LMS), HR Management Systems, and Accounting Software Solutions and AI powered Financial Analytics tools. We also provide B2C services under Paykosh Borrowing which include Mortgage Loan, Vehicle Loan, and Personal Loan. All of these are built to help our clients operate with greater efficiency, transparency, and compliance.
At our core, we’re not just technologists- we’re fintech partners. We understand the operational challenges finance companies face and provide the backend systems that streamline workflows, ensure regulatory compliance, and accelerate digital transformation. With our modular architecture, API-first design, and deep domain expertise, PayKosh helps financial institutions modernize without disrupting what already works.
That’s where we are now but our vision goes further. With active offerings in both B2B and B2C, we’re working towards a future where mobile-first financial access becomes the norm. From empowering institutions behind the scenes to delivering intuitive, on-the-go experiences for individuals, we aim to build a connected ecosystem where digital payments, personal finance, and everyday banking are accessible, secure, and seamless for all.
Because the future of finance in India won’t be built by one company. But it will be built by those who enable others!
To deliver secure, scalable, and customizable fintech solutions that empower financial institutions and individuals alike; driving operational excellence, digital access, and financial inclusion across India’s evolving ecosystem.
"To bridge the gap between institutional infrastructure and everyday finance, building a future where seamless, transparent, and secure financial access is available to all."
Launching PayKosh is more than a professional milestone, it’s a personal one.
After spending over two decades in the financial sector, I’ve seen both the incredible progress and the persistent gaps in our industry. I’ve worked with institutions striving to modernize, and I’ve met individuals in underserved areas still navigating outdated systems. What’s always stood out to me is this: technology should bridge gaps, not widen them. It should simplify, not complicate. And above all, it should empower.
That belief is what inspired PayKosh. This company was born out of real-world conversations, hard-earned insights, and a shared desire to create something better for institutions and for people. We’ve built PayKosh not just as a set of tools, but as a platform rooted in empathy, utility, and trust.
Today, we’re proud to offer fintech solutions that support financial institutions in operating with greater efficiency, while also providing services that make finance more accessible for individuals. It’s a balance we’re committed to, and one we believe is essential for building a more inclusive financial ecosystem.
To the entire PayKosh team, thank you for your vision, your talent, and your heart. And to everyone who has supported this journey, we’re just getting started.