Kosh vs Principal Financial Group
Side-by-side comparison of AI visibility scores, market position, and capabilities
Bengaluru digital microfinance platform providing JLG loans to Indian blue-collar workers; $9M raised with $5M CDM Capital Series A at $2.2M revenue using digital joint liability Microfinance 2.0 model.
About
Kosh is a Bengaluru, India-based digital lending platform providing joint liability group (JLG) loans to blue-collar workers and informal economy participants — a "Microfinance 2.0" model that combines India's traditional community-based joint liability lending structure with digital underwriting, mobile disbursement, and data-driven credit assessment. Founded and backed with $9.03 million raised total including a $5 million Series A in March 2025 led by CDM Capital with participation from LetsVenture, JAFCO Asia, Security and Intelligence Services, and Legacy Asset, Kosh generated ₹18.3 crore ($2.2 million USD) in revenue as of March 2024 with a ₹178 crore valuation.
Des Moines retirement and asset management (NASDAQ: PFG) at $16.13B 2024 revenue (+18%), $753B AUM; new CEO Deanna Strable (Jan 2025), Ascensus ESOP acquisition (2024), $1.7T AUA competing with Empower for mid-market 401(k).
About
Principal Financial Group, Inc. is a Des Moines, Iowa-based financial services company — publicly traded on NASDAQ (NASDAQ: PFG) as an S&P 500 Financials component — providing retirement savings, asset management, and group insurance and benefits to 61 million customers worldwide through approximately 20,000 employees with $753 billion in assets under management (AUM) as of Q2 2025, $1.7 trillion in assets under administration, and $16.13 billion in 2024 annual revenue (up 18% year-over-year) with net income of $1.57 billion. Founded in 1879 as The Bankers Life Association by Edward Temple and Simon Casady to provide affordable life insurance to Iowans, Principal demutualized and completed its IPO in 2001. Deanna Strable became President and CEO in January 2025 (succeeding Dan Houston), with Joel Pitz named CFO. Principal operates through three segments: Retirement and Income Solutions (RIS — 401(k), 403(b), defined benefit plans, nonqualified executive benefits, pension risk transfer, and individual retirement products), Principal Asset Management (equity, fixed income, real estate, and alternative investments for institutional clients), and Benefits and Protection (group dental, vision, life, and disability insurance). Key acquisitions include AFP Cuprum (Chilean pension, $1.5B, 2012), Wells Fargo's institutional retirement and trust business ($1.2B, 2019, adding 401(k)/pension/ESOP plans), and the 2024 agreement to acquire Ascensus's ESOP business (800 plans, 165,000+ participants). Principal's market capitalization stands at approximately $18.3 billion.
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