Kosamattam Finance Limited

Kosamattam Finance Limited NCD

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Issue Size (Net)

Rs 200.00 Crores

Credit Ratings

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

Issue Opening Date

July 7, 2025

Issue Closing Date

July 18, 2025

ROI Chart Term Sheet Company Highlights Financials Highlights Prospectus

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	Monthly	Cumulative	Cumulative
Tenor	18 Months	36 Months	36 Months	42 Months	42 Months	60 Months	50 Months	84 Months
Coupon (% per annum) for NCD Holders in Category I, II, III & IV	NA	10.00%	NA	10.00%	NA	10.00%	NA	NA
Effective Yield (per annum) for NCD Holders in Category I, II, III & IV	9.25%	10.47%	9.75%	10.47%	9.75%	10.47%	10.22%	10.41%
Amount (₹ / NCD) on Maturity for NCD Holders in Category I, II, III & IV	Rs.1142	Rs.1000	Rs.1322	Rs.1,000	Rs.1385	Rs.1000	Rs.1500	Rs.2000

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 July 2025 Registrar

Kfin Technologies Limited

KFintech, Tower-B, Plot No 31 & 32,

Financial District, Nanakramguda, Gachibowli,

Hyderabad, Telangana India - 500 032.

Phone: 04067162222, 04079611000

Email: kosamattam.ncd@kfintech.com

Website: https://kosmic.kfintech.com/ipostatus/

Kosamattam Finance Limited Company Financials

Period Ended	Total Assets	Total Revenue	Profit After Tax
31-Dec-24	6,344.35	658.98	85.68
31-Mar-24	5,985.78	858.94	114.07
31-Mar-23	5,444.34	782.54	106.99
31-Mar-22	4,568.89	624.79	78.92
Amount in Rs. Crore

Issuer	Kosamattam Finance Limited
Instrument	Secured Redeemable Non-Convertible Debentures (NCDs)
Issue Opens on	MONDAY, JULY 07, 2025
Issue Closes on	FRIDAY, JULY 18, 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	IV - Retail
Category Allocation	10%	40%	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	Monthly	Cumulative	Cumulative
Tenor	18 Months	36 Months	36 Months	42 Months	42 Months	60 Months	50 Months	84 Months
Coupon (% per annum) for NCD Holders in Category I, II, III & IV	NA	10.00%	NA	10.00%	NA	10.00%	NA	NA
Effective Yield (per annum) for NCD Holders in Category I, II, III & IV	9.25%	10.47%	9.75%	10.47%	9.75%	10.47%	10.22%	10.41%
Amount (₹ / NCD) on Maturity for NCD Holders in Category I, II, III & IV	Rs.1142	Rs.1000	Rs.1322	Rs.1,000	Rs.1385	Rs.1000	Rs.1500	Rs.2000

Prospectus File

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