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| Issue Size (Base) | ₹150.00 Cr |
| Face Value | ₹1000 each NCD |
| Issue Price | ₹1000 per NCD |
| Market Lot | 1 NCD |
| Min Order Qty | 10 NCD |
| Min Order Amount | ₹10000 |
| Listing at | BSE |
| Tenor | 24, 36, 42, 50, 60, 84 Months |
| Credit Rating | India Ratings & Research Private Limited : A |
| Series | Series 1 to 8 |
| Payment Frequency | Monthly |
| Period Ended | 31 Mar 2025 | 31 Mar 2024 | 31 Mar 2023 |
|---|---|---|---|
| Assets | 6,405.69 | 5,985.78 | 5,444.34 |
| Total Income | 900.43 | 858.94 | 782.54 |
| Profit After Tax | 127.06 | 113.70 | 107.05 |
| NET Worth | 1,062.84 | 927.57 | 763.99 |
| Amount in ₹ Crore | |||
Mathew K. Cherian and Laila Mathew are the company promoters.
The Company proposes to utilise the Net Proceeds from the Issue towards the following objects:
| # | Issue Objects | Est Amt (₹ Cr.) |
|---|---|---|
| 1 | For the purpose of onward lending | |
| 2 | Repayment of interest and principal of existing debts | |
| 3 | General Corporate Purposes | |
| Total | 0.00 |
| Series 1 | Series 2 | Series 3 | Series 4 | Series 5 | Series 6 | Series 7 | Series 8 | |
|---|---|---|---|---|---|---|---|---|
| Frequency of Interest Payment | Cumulative | Monthly | Monthly | Cumulative | Monthly | Cumulative | Monthly | Cumulative |
| Nature | Secured | Secured | Secured | Secured | Secured | Secured | Secured | Secured |
| Tenor | 24 Months | 24 Months | 36 Months | 36 Months | 42 Months | 50 Months | 60 Months | 84 Months |
| Coupon (% per Annum) | NA | 8.50% | 9.25% | NA | 10.00% | NA | 10.00% | NA |
| Effective Yield (% per Annum) | 8.26% | 8.84% | 9.65% | 9.25% | 10.47% | 10.22% | 10.47% | 10.41% |
| Amount on Maturity (In Rs.) | Rs 1,172.00 | Rs 1,000.00 | Rs 1,000.00 | Rs 1,304.00 | Rs 1,000.00 | Rs 1,500.00 | Rs 1,000.00 | Rs 2,000.00 |
Part of the Kosamattam Finance group, Kosamattam Finance is a non-deposit taking NBFC (Middle Layer) primarily focused on the gold loan segment. The company provides secured loans against household gold jewellery and has a strong presence across states including Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Maharashtra, Uttar Pradesh, and Telangana, along with Union Territories such as Puducherry and Delhi.
As of September 30, 2025, the company managed 11.61 lakh gold loan accounts with an aggregate portfolio value of ₹6,13,711 lakh, representing more than 99% of its overall loan book. Over the past few years, both the number of accounts and the size of the gold loan portfolio have shown steady growth. By December 31, 2025, the company operated a network of 981 branches across India.
Kosamattam Finance caters to a wide customer base, including small business owners, traders, farmers, salaried individuals, and households. It offers multiple gold loan schemes tailored to customer requirements, with repayment tenures extending up to 12 months and flexible prepayment options.
The average ticket size of gold loans remained in the range of ₹53,000 to ₹58,000 during the last few financial periods
