Every payout,
in one place.
Kosh gives your business a virtual account with instant UPI, IMPS and NEFT payouts — plus payroll, staff petty-cash wallets, and reimbursements. Every rupee reconciled, and exportable to Lekha.
§01 · What's inside
Everything that moves money, under one roof.
Virtual account
Fund your account by NEFT/UPI transfer; the balance reflects automatically and stays reconciled with the bank.
Payroll runs
Pay your whole team in one batch — each routed to the right rail by amount and destination.
Vendor payments
Verified beneficiaries with Penny-Drop, paid by UPI or bank transfer, with retries and live status.
Petty-cash wallets
Give staff a spending wallet with per-txn, daily and monthly limits — topped up and frozen in a tap.
Reimbursements
Employees file claims from the phone with a receipt photo; admins approve and pay in one step.
Maker-checker
Send any payout over a threshold to a second admin — approve or reject, on web or mobile.
§02 · How it works
From funded to reconciled, in three steps.
Fund your account
Transfer from your current account into your Kosh virtual account. Funds appear in minutes.
Pay on any rail
Run payroll, pay vendors, or let staff scan-and-pay from their wallet — UPI, IMPS, NEFT or RTGS.
Reconcile & export
Every debit and credit is tracked live, approved where needed, and exported to your Lekha books.
§03 · On every phone
A staff app that does the legwork.
Your team carries Kosh in their pocket. Field staff scan a vendor's UPI QR and pay within their limits, log expenses for reconciliation, and file reimbursements with a photo of the bill. Admins approve claims and payouts right from the phone.
Bring every payout into one place.
Log in to your Kosh portal to fund your account, pay your team, and keep every rupee reconciled.
Log in to your portal