Learn
Money lessons that fit their stage of life
First salary, EMIs, tax and saving, taught in lessons practical enough to use the same week.
Employee financial wellness program, built for IndiaEvery employee deserves
Every employee deserves
someone to talk toaboutmoney.
Building financially confident workplaces. Empower employees with personalised financial education, intelligent tools, and expert guidance to make better money decisions.
- Certified financial experts
- No commissions, no products
- Private by design
62%
of Indian millennials live paycheque to paycheque
This is the gap Koshpal closes.
Of a salaried income goes to EMIs
33%+
Sources: Deloitte 2025; Perfios and PwC India 2025
The real problem
Good salaries. Still broke by the 25th.
Salary lands on the 1st. Rent, EMIs and the card bill go by the 5th. UPI quietly takes the rest. By the 25th, the question is the same: where did it all go? That worry doesn’t stay at home. It comes to work as lost focus, sick days and good people leaving for a small raise.
62%
of Indian millennials live paycheque to paycheque
Source:Deloitte 2025
33%+
of a salaried Indian’s monthly income goes to EMIs
Source:Perfios and PwC India 2025
54%
of Indian Gen Z have put off big life decisions because of money
Source:Deloitte 2026
In their own words
The worries we hear most, in people’s own words.
These worries don’t belong to a few people. They follow millions to work across India, every month.
Will the EMI clear this month
The salary is gone already
Rent takes half of it
Credit-card bill piling up
Money to send home
No savings for emergencies
No plan for what is next
One bill away from trouble
Why Koshpal
Others sell to employees. Koshpal works for them.
Banks earn from loans, apps from products, advisers from fees. Koshpal earns only from the employer’s subscription, so the only thing we’re paid to do is help.
We are here
Koshpal
KoshpalOne-off workshops
Salary-advance apps
Investing apps
1:1 certified coach
Yes
No
No
No
Support all year, not one session
Yes
No
Yes
No
A daily app people keep using
Yes
No
Yes
Yes
No products, no commissions
Yes
Yes
No
No
Privacy-first insight for HR
Yes
No
Yes
No
Our belief
Body and mind are covered at work. Money is the missing next pillar.
Workplaces learned to care for physical health, then mental health. Money, the worry employees carry most, still gets a webinar once a year. We believe financial wellbeing will become the third standard benefit at work, and we’re building it for India first.
What every employee gets
Learn, understand, connect, grow: one program that stays with them
Understand
Where the month went, in plain language
The app shows where the month went, by category, across UPI, cards and cash, with insights in plain language.
Connect
A certified CFP or CA, in private
Private 1:1 sessions with a certified CFP or CA. Most people book 2 to 3 a month. The coach listens first, then writes a plan with them.
Grow
A plan that becomes daily habits
The plan becomes budgets, goals and reminders in the app. Every check-in builds on the last, from a first salary to an ESOP payout to retirement.
The coach builds the plan. The app keeps it alive every day.
The coaches
Certified CFPs and CAs, on every employee’s side
Every Koshpal coach is a certified financial planner or chartered accountant, verified before their first session. They’re salaried by Koshpal, so they earn nothing from what an employee buys. They listen first, explain in plain language and stay with the same person over time.
11+
certified coaches onboarded
30+
CFPs and finance professionals helped shape the program
Abhishek Kumar
CFP · CWM | 11+ yrs
Koshpal CFP
IIT Indore alumnus | Ex-Axis Securities
Koshpal CFP
CFP | 4 yrs
What the company gets
A benefit people use, and numbers you can show leadership
Privacy First
Employees speak freely. Employers still see what matters.
Employees only speak freely when they trust the service. Employers still get useful insight, with no individual’s data changing hands.
What employers see
- Anonymised, aggregated trends
- Engagement and participation
- The themes people want help with
What they never see
- Any individual’s data
- Who asked what
- The content of any session
- 01
Setup
One call, your logo and an employee list. No IT project.
- 02
Kickoff
A money webinar for everyone, then free first sessions for anyone who wants one.
- 03
Pilot
One team for 60 days, with usage and feedback on your dashboard.
- 04
Roll out
Extend to the whole company on an annual plan.
questions leaders ask
Questions HR leaders ask
Koshpal is priced per employee per month and is free for employees. Talk to us and we’ll give you a number for your company size.
About one week: one setup call, your logo and an employee list. We run the kickoff webinar and the employee announcements.
Yes. Start with one team for 60 days, see usage and feedback on the dashboard, then decide on a company-wide plan.
Certified Financial Planners (CFPs) and Chartered Accountants (CAs). They are salaried by Koshpal, so they earn nothing from what an employee buys.
You’ll see sign-ups and sessions on the dashboard from week one. The kickoff webinar, free first sessions and in-app reminders are built to drive take-up.