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We only offer investments approved by regulatory bodies including SEBI and RBI on our platform. All your investments are safely held with a respective custodian or designated Registrar & Transfer Agents (R&TA) for every listed financial product on the platform. Koshex does not hold any customers’ investment directly or indirectly.

All you need is a valid mobile number, email address and PAN to get started with investments on Koshex. If you haven't done KYC before, download the Koshex app and complete KYC once; it takes a few minutes with your PAN and Aadhaar. Keep your KYC details up to date if your address, mobile or email changes.

Generally, Mutual Funds take upto 3 working days to transfer the units to your account/folio and Gold is done instantly into your vault.

As of now, Koshex doesn't charge anything directly to its customers.

Please note that the investment is yours and held by the Registrar & Transfer Agents (R&TA) on your behalf. Koshex does not hold any money/units of any investments and is only a platform to facilitate transactions. All investments can be redeemed directly but we advise you to do so from the platform for better accountability of your portfolio on the platform.

Please E-mail us at kosh@koshex.com with your request to delete your account. We would also appreciate it if you let us know why we did not meet your expectations. Upon receiving your request, we will delete your account and all your data within 2 working days and send you a confirmation. One of us may also reach out to you separately by phone or e-mail to understand your reasons better during that time. Please note that in case any investment instruction (including an incomplete/ failed one) was placed within your account, we would only be able to close your account. This is in line with processes followed by all financial firms. You will stop receiving emails/ phone calls from us.

No. The investor in whose name the Koshex account is created must be the holder of the bank account. In the case of joint bank accounts, the first or primary investor must be one of the holders of the bank account.

No. The Website or Platform is not intended for Users below the age of 18 years, except under parental control or supervision.

Central KYC (CKYC) is the government's registry of KYC records across banks, insurers and the stock market, run by CERSAI. When you complete KYC for mutual funds, the KYC registration agency (KRA) also uploads your record to CKYC, and you get a CKYC number by SMS or email. Mutual fund houses still check your KYC status with the KRA. If your KRA status is KYC Validated, other fund houses and brokers can use your record without asking you to do KYC again.

Download the Koshex app and complete KYC once; it takes a few minutes with your PAN and Aadhaar. You give your PAN, an Aadhaar OTP or DigiLocker document, a live photo and your signature, and verify your mobile number and email by OTP. No separate in-person check is needed when KYC is done this way. If you would rather not use Aadhaar, you can complete KYC with a passport, driving licence or voter ID and a video or in-person check, but that record is usually marked KYC Registered rather than KYC Validated, so a new fund house may ask for KYC again. An NRI can complete KYC in the Koshex app.

You can update your KYC details in the Koshex app. You can also file a KYC modification through any fund house, registrar or broker: CAMS and KFintech accept it online for resident individuals. The KYC registration agency updates your record and passes the change to the firms that use it. A change of name needs a copy of a document showing the new name. If your KYC status is KYC Registered, a modification using Aadhaar can turn it into KYC Validated.

You can invest as soon as your KYC is complete. The fund house or registrar uploads it to a KYC registration agency (KRA) within three working days, and the KRA checks your PAN, name and address within two days. If a check fails, new transactions are held until it is fixed. You can check your KYC status in the Koshex app, or with your PAN on a KRA's website (CVL KRA, CAMS KRA, KFin KRA or NDML). It shows as KYC Validated, KYC Registered or KYC On-Hold.

KYC Validated: your PAN, name, address, mobile and email are verified and your PAN is linked to Aadhaar (or exempt). You can invest with any fund house without KYC again. KYC Registered: your KYC is accepted but something could not be checked, often a non-Aadhaar document, a PAN not linked to Aadhaar, or only one of mobile and email verified. You can keep investing where you already hold units, but a new fund house will ask for KYC again unless you update it. KYC On-Hold: a check failed, such as PAN, or both mobile and email. New investments and SIP instalments stop until you fix it.

Koshex will provide you with an option for an e-mandate linked to your bank account (only for netbanking active users) and the money will be automatically transferred from your account to the respective partner on the due date.

We are an online service only. You can invest online through auto-debit for investing every month (recurring transaction) or Debit cards, Net Banking or UPI for one-time investment only.

You can use your net banking credentials to set up an e-mandate on the platform.

Yes, UPI is enabled for payments across all financial products and services.

Protecting the confidentiality of your data is of highest importance to us. We value your privacy and your information is safe with us. We will not share with, or make available, your personal information to any third party without your authorization, except if we are specifically directed or mandated to do so under any Applicable Law, Regulation, Legal Proceeding or Directive from Government Authorities.

No. All your confidential details like Payment methods, card details, password, etc are not known to anyone at koshex. Your information is safe and secure.

Our security standards are as strong as your bank. We use top-grade encryption (AES-256) to safeguard your information. Every piece of personally and financially identifiable information is encrypted - from the email you use to log in, to data associated with your linked financial accounts. Our data is hosted on Amazon Web Services, so it's as secure as it can get. Our servers are protected both physically and electronically. Any connection between you and Koshex is protected by 256-bit SSL encryption.

The cutoff time to get the same day NAV when you invest in: For liquid funds, it is 12:30 pm (Unit allotment will be at previous day's NAV for any orders above Rs 2 Lakhs, the funds confirmation should also be available in the records of AMC For debt and equity funds and investment size under Rs 2 Lakhs, it is 12:30 pm. For debt and equity funds and investment size above Rs 2 Lakhs, it is 12:00 pm.

As of now, Koshex doesn't charge anything to its customers.

You can invest anything equal to or more than the minimum investment size as mentioned alongside each fund. We only allow the eligible amount to be entered at the time of transaction.

There is no minimum or lock-in period for Equity or Debt funds. You have the option to withdraw your money at any time. However, asset management companies charge an exit load of 1% if you choose to withdraw your investment in less than 1 year. Also, Tax-Saving funds (ELSS) have a minimum lock-in period of 3 years.

Under a single transaction, you can decide various amounts to be invested in each of the shortlisted mutual funds.

All investments made via Net Banking before 12:30 pm on a working day are processed the same day and units to be allocated on the following working day. All investments made post 12:30 pm will only be processed the next working day. Mutual funds to be allotted to you within 3 (max 4) working days from the date of your investment. This is with the assumption that all days are working days. In case of holidays or weekends, the next working date will be considered. Your Mutual Fund Investments will reflect as successful in your Koshex account by the next working day once your investments are successfully confirmed by the Mutual Fund Companies in which you have invested through us.

Our partnership with Safegold helps you buy, save, gift, and exchange 24K gold in the most secure, transparent and seamless way, starting with ₹ 100.

The gold purchased on your behalf is stored with Brink's India, the leading safe keeper of precious metals across the world. The gold is insured, both for storage and transit when being delivered to you. Further, IDBI Trusteeship has a charge on all gold stored in the vault in your favour. This ensures that your gold is protected at all times regardless of any external events.

Safegold offers 24 Karat Gold of 995 fineness (99.5% pure).

The minimum amount of purchase is ₹ 100.

You can store your gold with Safegold for a period of 7 years from the date of purchase. The custody shall be without charge for the first 24 months, and thereafter, will continue to be stored by SafeGold for a nominal fee to cover storage costs. You will be intimated in advance of being charged the fee and will have the option to sell or request delivery of your gold at all times.

Please visit https://www.safegold.com/faq or email us at kosh@koshex.com

Please email us at kosh@koshex.com to help you disable your account.