Kuhoo

Kuhoo is a pioneering fintech company in India’s education finance sector, specializing in fully digital, AI-driven student loans. Kuhoo is on a mission to democratize access to quality education by providing fast, flexible and collateral-free loans to students across India and abroad. The company was established by Prashant A. Bhonsle, a veteran in the Indian student loan industry and part of the founding team at Credila.

Products and Services 

• Education Loans: Collateral-free loans for students pursuing undergraduate, postgraduate, executive education, upskilling and study abroad programs.

• Coverage: Loans cover up to 100% of tuition fees, accommodation, academic tours and other education-related expenses for 100+ job-oriented courses in India and 25+ countries abroad.

• Loan Amount & Tenure: Loan amounts up to ₹2 crore with flexible repayment periods up to 12 years.

• Digital Application: Fast, fully digital process with instant eligibility checks and quick disbursal via app or website.

• Personalized Offers: AI-driven assessment for customized loan terms based on student profile and future employability.

• Self-Service Platform: Interactive mobile app and website for application, tracking and flexible repayment management.

• Partnerships: Collaborates with educational institutions, banks and financial partners to expand access and streamline the loan process

Business Model & Revenue Streams

Kuhoo operates as a digital NBFC (Non-Banking Financial Company) and generates revenue through the following channels:

• Interest Income: The primary revenue source is the interest charged on student loans. Kuhoo’s AI-driven risk models allow it to offer competitive rates while maintaining healthy margins.

• Processing and Service Fees: Kuhoo charges nominal processing fees for loan applications and may levy additional service charges for value-added features such as flexible repayment, loan top-ups, or insurance.

• Partnership Commissions: The company collaborates with educational institutions, banks and test-prep agencies, earning referral or partnership commissions for originating and facilitating loans.

• Cross-selling Financial Products: As students build their credit history, Kuhoo can cross-sell related financial products like credit cards or personal loans, creating additional revenue streams.

Customer Segmentation

• B2C: Students and their families seeking education financing for studies in India and abroad, including undergraduate, postgraduate and upskilling courses.

• B2B: Partnerships with educational institutions, coaching centers and test-prep agencies to offer embedded finance solutions.

Growth Strategy

• Market Expansion: Kuhoo is scaling its presence across India and targeting students pursuing international education, executive programs and specialized upskilling courses.

• Product Innovation: Expanding the loan portfolio to cover new-age courses, online learning and executive education, and introducing flexible repayment and insurance options.

• Strategic Partnerships: Deepening collaborations with banks, NBFCs and educational institutions to broaden distribution and reach underserved segments.

• Technology Investment: Continuous enhancement of AI-driven risk models and digital loan management systems to improve efficiency and user experience.