Understand your money.
Predict what's coming.
Prepare for what matters.
For India's UPI economy · Privacy first
Most of your financial life runs through UPI — instant, effortless, and almost impossible to track. Sound familiar?
UPI payments are fast and frictionless. They leave behind names that mean nothing — and memories that fade within hours.
₹80 here. ₹150 there. Each payment feels trivial in the moment — until they quietly become thousands by month end.
Insurance. School fees. Travel. Completely predictable — yet without visibility into what's building, they always feel sudden.
Without a clear picture, every spending decision carries uncertainty. Not because you're bad with money — because the information simply isn't there.
Kosha closes this gap — learning your financial rhythm, making the invisible visible, and helping you prepare for what's coming before it arrives.
You can switch modes anytime from Settings.
Link your bank via Account Aggregator. Kosha reads transactions automatically — read-only, bank-approved.
Add transactions manually. No account connection needed. Fewer automatic insights.
You can connect accounts later to unlock full capabilities.
Kosha never stores your banking credentials. AA access is read-only and revocable anytime.
We access your transactions through the RBI-regulated Account Aggregator framework.
Bank-level encryption
Kosha can never move, modify, or initiate any transaction.
Account Aggregator is approved and supervised by the Reserve Bank of India.
Disconnect in one tap from Settings. All your data is deleted within 24 hours.
Transaction history · Account balance (categorisation only) · Salary credit signals
By continuing you agree to the Privacy Policy
Establishing secure connection…
This usually takes 3–5 seconds. Do not close the app.
Select all that apply. You can add more later.
SBI · UPI supported
HDFC · UPI supported
ICICI · UPI supported
Axis · UPI supported
Kotak · UPI supported
Paytm · UPI supported
Detected from your last 3 salary credits. Confirm or edit below.
Kosha uses your income to calculate spending ratios, preparation fund capacity, and monthly pacing.
Used only to calculate spending ratios and preparation capacity. You can change this later.
Fixed monthly
Variable income
Self-employed
Mixed / irregular
You can change this anytime in Settings.
Controls alert frequency, review cadence, and insight delivery. Change anytime in Settings.
Stay in the background
Smart signals when needed
Full visibility, daily updates
You can change this anytime in Settings.
Confidence isn't a score to chase. It's a reflection of how well Kosha understands your financial life — and it grows with every cycle and every review.
Account connected. Kosha begins reading your transactions.
Early insights appear. Kosha identifies categories, vendors, spending patterns.
Kosha begins predicting monthly spend, preparation needs, and category drift.
Recommendations become highly personalised. Confidence score reaches Reliable state.
You already have a starting point — your income baseline. Week by week, the picture sharpens. Kosha is always honest about what it knows and what it's still learning.
This is the beginning. You're not starting from zero — and with every week, every transaction, every review, Kosha gets sharper.
Every review and every financial cycle
helps Kosha improve.
Kosha reads transactions. It never moves money or shares your data.
Last updated May 2026
Transaction history, balance snapshots (read-only), income detection signals. No credentials. No personal identification beyond what you provide.
Solely to power Kosha's categorisation, insights, preparation fund calculations, and confidence scoring. Never for advertising.
All data is encrypted at rest (AES-256) and in transit (TLS 1.3). Stored in India on RBI-compliant servers.
Delete your data anytime from Settings → Account → Delete Data. Revoke AA access instantly. All data is purged within 24 hours.
We do not sell, rent, or share your financial data with any third party — ever.
Weekend dining is reducing your preparation pace.
Improves prediction confidence
3 transactions need your input. Your feedback helps Kosha learn and predict better for you.
Review once instead of multiple times. Takes about 30 seconds.
Resolving these transactions can improve:
The assistant now better understands:
Total gain
Learning time
Patterns found
Stable preparation across most goals.
vs last month
Reducing dining can stabilise your emergency buffer.
Higher spending during weekends
Utility spending consistent for 3 cycles
Most discretionary purchases after 10PM
Typical discretionary spending before savings goals are impacted
When you spend most — by day and time of day.
Friday evenings & Saturday nights are your peak spend windows — most dining spikes happen here.
for Dec 2026
to Jan 2027
Potential delay: 7–10 days
Prediction quality improves as the assistant learns your spending behavior over time.
Quality improvement
Uncertainty reduced
Pattern recognition
May stabilise your preparation pace. Potential benefit: 8 days earlier.
Stable essentials spending frees capacity you're not currently using.
Member since May 2026
Controls alert frequency and insight delivery
Alerts, weekly summaries, review reminders
HDFC Bank · linked May 2026
₹58,000 / month · Salary
4 active · Manage contributions
Confidence, decisions, and what Kosha interrupts for
View what Kosha stores about you
Disconnect HDFC Bank from Kosha
Permanently remove everything
Revisit the setup flow — connection, income, assistant mode
Your financial data is encrypted and stored securely in India.
Confidence, decisions & what Kosha notices
Confidence grows with time and your input. Every review you complete teaches Kosha something it can't learn on its own.
Every review you complete teaches Kosha something it can't figure out alone.
These aren't failures — they're honest signals that Kosha hasn't learned this part of your life yet.
How Kosha decides what to interrupt
Kosha reads every transaction, but only speaks up when it genuinely matters. Your data stays private and is never shared.
3 need you · 3 for awareness
Kosha reads everything but only speaks up when it matters. Your assistant mode is Balanced — change in Settings.
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