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| Issue Size (Base) | ₹100.00 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 |
| Credit Rating | India Ratings & Research Private Limited : A |
| 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 proceeds will be utilized towards the following objectives:
| # | Issue Objects |
|---|---|
| 1 | Onward lending |
| 2 | Repayment of interest and principal of existing debts |
| 3 | General Corporate Purposes |
| 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 | 15 Months | 24 Months | 36 Months | 36 Months | 42 Months | 50 Months | 60 Months | 84 Months |
| Coupon (% per Annum) | NA | 8.50% | 9.00% | NA | 9.75% | NA | 10.00% | NA |
| Effective Yield (% per Annum) | 8.00% | 8.84% | 9.38% | 9.25% | 10.20% | 10.22% | 10.47% | 10.41% |
| Amount on Maturity (In Rs.) | Rs 1,101.00 | 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 |
Kosamattam Finance, part of the Kosamattam Group, is a non-deposit taking NBFC classified under the Middle Layer. The company’s core business is providing loans against household gold jewellery. Its presence spans multiple states, including Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Maharashtra, Uttar Pradesh and Telangana, as well as the Union Territories of Puducherry and Delhi.
As on September 30, 2025, Kosamattam Finance managed 11.61 lakh active gold loan accounts, with an aggregate loan value of ₹6,13,711 lakh. Gold loans constituted more than 99% of the company’s total loan portfolio, which has shown steady growth in both account volume and value over recent years.
The company had a strong operational network of 981 branches across India as of December 31, 2025, supported by a workforce of 3,924 employees.
Kosamattam Finance caters to a diverse customer base that includes business owners, traders, farmers, salaried individuals and households. Customers can select from a range of gold loan products designed to suit varying requirements, with loan tenures of up to 12 months and flexibility for early repayment.
The average loan size per gold loan account has remained in the range of ₹53,000 to ₹58,000 over the past few years. For the six-month period ended September 30, 2025, the company reported total income of ₹50,515 lakh and a profit after tax of ₹8,060 lakh.