Kosamattam Finance Limited NCD

Non-banking financial company(NBFC)| Rs. 10,000 Min Investment

Issue Opening Date
Thursday, October 30, 2025
Issue Closing Date
Thursday, November 06, 2025
Credit Ratings
“IND A-/Stable by India Ratings & Research Private Limited.”
Issue Size (Net)
up to Rs. 200 Crs
Kosamattam Finance Limited NCD ClosedOpen
Non-banking financial company(NBFC)

Rs. 10,000

Min. investment

1. Company Information

Kosamattam Finance Limited is a non-deposit-taking NBFC primarily engaged in the business of gold loans. The company is part of the Kosamattam Group, which is headed by Mathew K. Cherian. The head office of the company is located in Kottayam in the state of Kerala. Kosamattam Finance provides loans against pledge of household ornaments to businessmen, vendors, traders, farmers, employees, and families in Kerala, Karnataka, Tamil Nadu, Andhra Pradesh, Maharashtra, Delhi, Gujarat and Telangana and the Union Territory of Puducherry. In addition to the gold loan, it also offers fee-based additional services such as microfinance, money transfer services, power generation, foreign currency exchange, agriculture, and air ticketing services. As of Decmeber 31, 2024, the company had 975 branches in Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Delhi, Maharashtra, Gujarat, Uttar Pradesh, Telangana and the Union Territory of Puducherry and employed over 3,697 people.

2. Rating:

IND A-/Stable by India Ratings & Research Private Limited (IRRPL).

3.Kosamattam Finance NCD October 2025  Registrar

Kfin Technologies Limited.

Kfin Technologies Limited
KFintech, Tower-B, Plot No 31 & 32,
Financial District, Nanakramguda, Gachibowli,
Hyderabad, Telangana India - 500 032.
04067162222, 04079611000
kosamattam.ncd@kfintech.com
https://kosmic.kfintech.com/ipostatus/

Kosamattam Finance Limited Details

Issuer Kosamattam Finance Limited
Instrument Secured Redeemable Non-Convertible Debentures (NCDs)
Issue Opens on Thursday, October 30, 2025
Issue Closes on Thursday, November 06, 2025
Issue Size Rs. 100 Crore with an option to retain oversubscription up to Rs. 100 Crore aggregating upto to Rs.200 Crore
Issue Price / Face Value Rs.1,000/- per NCD
Minimum Application Rs.10,000/- (10 NCD) and in multiples of Rs.1,000/- (1 NCD) thereafter.
Credit Rating “IND A-/Stable by India Ratings & Research Private Limited (IRRPL).”
Registrar KFIN Technologies Limited
Listing The NCDs are proposed to be listed on BSE
Category I - Institutional II - Non-Institutional III - HNI IV - Retail
Category Allocation 10% 10% 30% 50%
Put/Call Option NA
Mode of Allotment Compulsorily in dematerialized form.
Allotment First Come First Serve Basis
Depositories NSDL and CDSL

Specific Terms for Each Series of NCDs

Series I II III IV V VI VII VIII
Frequency of Interest Payment Cumulative Monthly Cumulative Monthly Cumulative Cumulative Monthly Cumulative
Tenor 18 Months 36 Months 36 Months 42 Months 42 Months 50 Months 60 Months 84 Months
Coupon (% per annum) for Category I, II, III & IV NA 9.50% NA 9.75% NA NA 10.00% NA
Effective Yield (per annum) for in Category I, II, III & IV 8.04% 9.92% 9.50% 10.20% 9.82% 10.47% 10.47% 10.41%
Amount (₹ / NCD) on Maturity for NCD Holders in Category I, II, III & IV Rs.1123 Rs.1000 Rs.1313 Rs.1,000 Rs.1388 Rs.1500 Rs.1000 Rs.2000

Kosamattam Finance Limited Company Financials

Particulars
June 30,2025
March 31, 2025
March 31, 2024
March 31, 2023
Total Revenue/Income
22,553.02
22,233.90
3,233.67
1.42
Interest Income
90,042.93
89,408.19
12,706.00
5.61
Profit After Tax
85,893.72
85,399.12
11,369.99
5.10
EPS (Basic and Diluted)
78,254.0
77,851.56
10,705.38
4.94
Amount in Rs. Crore

Prospectus Document

Official Red Herring Prospectus (RHP)

For detailed company and issue information

Disclaimer: This report has been prepared by RR Equity Brokers Private Ltd. The information in this report is collected from various public sources. RR Equity Brokers is not responsible for any loss or damage that may result from using this information or from investment risks.

SEBI Registration No: NSE Cash: INB231219636 | SEBI Registration No: NSE Derivative: INF231219636 | SEBI Registration No: BSE Cash: INB011219632 | SEBI Registration No: MCX-SX: INE261219636 | SEBI Registration No: NSE Currency: INE231219636 | SEBI Registration No: USE: INE271219631 | SEBI Registration No: CDSL: IN-DP-CDSL-3242005 | NCDEX Membership No: 00635 | MCX Membership No: 28850 | NSEL Membership No: 10650 | RBI Registration No: NBFC: N-14.03215 | IRDA Registration Number : CB-066/03 | AMFI Registration No : ARN -0032| SEBI Registration No: Merchant Banker: INM000007508

* Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.