Kotluy is a free Android app developed by Rithipul Co. Ltd. that connects people to a microfinance platform. Its goal is to make day-to-day living easier for users by providing access to microfinance services. Kotluy allows users to build assets, mitigate shocks related to emergencies, illness, or injury, and make productive investments.

One of the main features of Kotluy is its microfinance platform, which allows users to access loans and other financial services. Users can apply for loans directly from the app, and the platform offers flexible repayment options to fit users' needs. Kotluy also offers financial education resources to help users make informed financial decisions.

Overall, Kotluy is a useful app for those looking to access microfinance services and improve their financial well-being. Its user-friendly interface and flexible repayment options make it a great tool for anyone looking to build assets or make productive investments.