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Vardhan Koshal

Vardhan Koshal

Co-founder of Tortoise, fintech innovator, and SEBI RIA

Gurugram, Haryana, India
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Joined February 2025
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Summary

Vardhan Koshal is a serial entrepreneur with a strong background in fintech, having successfully built and sold Ridingo, a car-pooling startup, before co-founding Tortoise, a fintech platform focusing on employee benefits and the Save Now Buy Later (SNBL) model. He leverages his expertise in economics and engineering to innovate in the financial technology sector. x+3
He possesses a deep understanding of market development and product localization, honed during his tenure at TripAdvisor, and has extensive experience in scaling operations as demonstrated by his role as Country Manager for Udacity in India, where he achieved significant market growth and established key partnerships. theorg+1
As a SEBI Registered Investment Adviser (RIA), Vardhan is passionate about personal finance and financial literacy, often writing and tweeting about startups, fintech, and personal finance. He also founded WealthScore.me to help individuals improve their financial health. x+2
Vardhan has an academic foundation combining engineering and economics, holding an engineering degree and a Master's in Economics from the Gokhale Institute of Politics and Economics. This interdisciplinary background underpins his analytical approach to business and finance. x+3

Work

Education

Projects

Writing

WealthScore: Our attempt at solving the personal finance problem

February 1, 2019

An article discussing the philosophy and goals behind WealthScore.me, emphasizing financial health and stress-free living.

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Instant Unicorn: Cred by Kunal Shah

December 1, 2018

An analysis of Cred and Kunal Shah's entrepreneurial journey, reflecting on successful startup models.

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Hypothesis

January 1, 2018

A Substack publication where Vardhan Koshal shares his thoughts and builds his wisdom publicly, covering various topics.

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How I β€œcreated” a Unicorn Startup (>$1B)

August 1, 2015

A reflective piece on startup valuation and the perception of success, humorously stating it was 'on paper'.

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WHY IT’S HARD TO WORK ON A GOOD PRODUCT?

April 1, 2015

Explores the challenges in building quality products, drawing insights from his experience with Ridingo.

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Notes

KRKanishk Raosaid that if they were looking for a founder to collaborate with in Gurgaon,
VKVardhan Koshal
would be one of their top choices.

Feb 20, 2026