Uni-Kosha
Uni-Kosha is FinKosha’s intelligent de-duplication and identity resolution engine. It helps financial institutions accurately identify unique customers by analyzing key data points and applying configurable matching rules to assign a trusted Golden ID.
Designed for seamless integration, Uni-Kosha eliminates duplicate records, reduces fraud risk, and enhances customer onboarding experiences. Whether used during KYC, underwriting, or consent validation, it ensures data integrity across your entire lending ecosystem.
Flex-Kosha
Flex-Kosha is FinKosha’s dynamic repayment scheduling engine designed to create flexible, rule-based EMI plans for any loan product. Whether it’s term loans, BNPL, or moratorium-based structures, Flex-Kosha allows you to generate accurate repayment timelines tailored to your business logic.
With easy API integration, it simplifies complex interest calculations, rescheduling scenarios, and repayment variations — all while ensuring consistency and compliance. Flex-Kosha empowers lenders to offer personalized repayment experiences at scale.
Consent-Kosha
Consent-Kosha is FinKosha’s secure consent management engine built to help organizations capture, manage, and audit user consents in compliance with the DPDP Act and RBI guidelines. It empowers businesses to request, track, and validate user consent across multiple data workflows with complete transparency.
With Consent-Kosha, you can orchestrate real-time consent flows, log user actions, and maintain auditable trails — all through simple API integrations. It puts users in control of their data, while helping your platform stay compliant, trusted, and future-ready.
All-Kosha Bundle
All-Kosha is FinKosha’s complete API suite — combining the power of Consent-Kosha, Uni-Kosha, and Flex-Kosha into one seamless bundle. It’s designed for forward-thinking financial institutions looking to simplify integration, accelerate go-to-market, and ensure compliance across the entire digital lending journey.
From capturing secure user consent, to resolving customer identities and generating flexible repayment schedules — All-Kosha gives you a modular yet unified infrastructure to build scalable, privacy-first financial experiences with confidence and control.