Expense tools
built for the US.
Kosha isn't.
Ramp, Brex, and Expensify require proprietary cards, don't understand UPI, ignore GST, and have never heard of Tally. Kosha was designed around how Indian finance teams actually work — from petty cash to CFO-level approvals.
The problem
India's expense problem is bigger than a receipt photo.
of Indian companies still record employee expenses manually in 2025
average monthly leakage per SMB from duplicate invoices and errors
of Indian companies lack any system to detect travel & expense fraud
Core capabilities
Everything your Indian finance team actually needs
Not adapted from a US expense tool. Built for UPI, GST, WhatsApp, and Tally from day one.
UPI-Native Disbursement
Pay employees in seconds, not days
Approved reimbursements disburse via UPI instantly — no bank transfer queues, no NEFT delays. Employees see the credit within seconds of approval.
GST-Aware Categorisation
ITC eligibility tracked automatically
Kosha reads GSTIN from every bill, determines ITC eligibility by category, and exports a ready-to-file GST reconciliation report — no manual tagging.
WhatsApp Receipt Capture
No app needed for employees
Employees photograph a bill and send it via WhatsApp. Kosha OCR extracts vendor, GSTIN, amount, date, and category automatically. No app install. No training needed.
Smart Thresholds
Auto-disburse. Escalate when it matters.
Set INR limits by category, department, or employee grade. Verified bills below the threshold clear instantly. Above-threshold claims route to the right approver automatically.
Multi-Level Approval
Configurable chains with deadline enforcement
Route high-value claims to single-level, multi-level, or parallel approvers — with automated reminders and SLA deadlines enforced. Escalate on non-response.
Native Integrations
Tally, Zoho, Razorpay — not afterthoughts
Built-in connectors for Tally Prime, Zoho Books, greytHR, Darwinbox, Razorpay, and Cashfree. Every disbursement and reconciliation flows automatically — no middleware.
How it works
From WhatsApp photo to UPI credit
Four steps. Verified. Reconciled. Audit-ready from the start.
Bill submitted via WhatsApp or app
Employee photographs the bill and sends it to Kosha. OCR extracts vendor, GSTIN, amount, date, and category automatically.
Verification & threshold check
Kosha cross-checks extracted data against the bill image, validates GSTIN, and compares the amount against your configured INR threshold.
Auto-disburse or escalate
Below threshold: UPI credit sent within seconds. Above threshold: approval request routed to the right person with full bill context attached.
Auto-reconciled + GST filed
Every transaction posts to Tally or Zoho Books automatically. GST reconciliation and ITC eligibility report generated monthly.
Use cases
Real Indian finance workflows
Replace physical cash floats with auditable digital wallets. Every transaction tracked, every GSTIN validated.
Sales and service teams submit bills via WhatsApp from any location. Disbursed via UPI the same day.
Pay approved local suppliers for amounts below procurement thresholds without raising POs.
Bill-verified claims with city-specific category thresholds for field teams across India.
Every eligible business expense automatically tagged, GSTIN verified, and exported for GSTR-2A matching.
Indian-stack integrations
Works with the tools you already use
REST API and webhooks for custom integrations. Works with any Indian bank via NEFT/IMPS fallback.
FAQ
Common questions
What is Kosha?
Kosha (Sanskrit: treasury) is an expense reimbursement platform built specifically for Indian finance teams. It automates bill verification, UPI-native disbursement, GST categorisation, and multi-level approval workflows — none of which US tools like Ramp or Brex support natively for Indian operations.
How is Kosha different from Ramp, Brex, or Expensify?
Ramp, Brex, and Expensify are US-card-dependent tools with no native UPI, no GST tracking, no Tally or Zoho Books integration, and no WhatsApp receipt capture. Kosha was designed around Indian workflows: UPI/NEFT/IMPS disbursement, INR-native thresholds, GST-aware categorisation, and integrations with the accounting software Indian finance teams actually use.
How does the auto-disbursal threshold work in Kosha?
Admins set per-category, per-department, or global INR thresholds. Any GST-verified bill below the threshold is cross-checked and disbursed via UPI automatically — zero manual intervention. Bills above the threshold route to the configured multi-level approval chain.
Can employees submit receipts via WhatsApp?
Yes. Employees photograph the bill and send it to the Kosha WhatsApp number. Kosha OCR extracts vendor name, GSTIN, amount, date, and category automatically — no app install required for the employee.
What accounting software does Kosha integrate with?
Kosha integrates natively with Tally, Zoho Books, and QuickBooks India. For HRMS, it connects with Darwinbox, greytHR, and Keka. Payment disbursement works through Razorpay, Cashfree, and direct bank NEFT/IMPS.
Get started with Kosha
Stop losing ₹12,000 a month
to manual expense errors.
Set up Kosha for your organisation. Configure INR thresholds, connect Tally or Zoho Books, and go live in days — built for India, from India.