High Yield | A-/Stable Rated | Minimum Investment: 10k Only
Kosamattam Finance Ltd is issuing the 3rd tranche of Non-Convertible Debentures. These NCDs are A-/Stable by India Ratings & Research. The NCDs are being issued in eight series: yield ranges from 8.52% to 10.47% p.a. and different tenures of 18 months, 24 months, 30 months, 36 months, 39 months, 48 months, 54 months and 88 months. The NCDs are secured and redeemable in nature.
Kosamattam Finance Ltd NCD IPO: Coupon rates and effective yield for each of the series
Allocation Ratio
The allocation ratio is prepared based on norms laid down by SEBI. Before announcing the allocation ratio, the same has to be approved by SEBI. Once the IPO subscription closes, applications will be divided into different categories. The category-wise allocation ratio is always decided and declared during the launch of the particular IPO. Considering the Allocation Ratio, units will be assigned to applicants. Refer to the chart to know the application ratio for Kosamattam Finance Ltd NCD-IPO.
Investment Process for Kosamattam Finance Ltd NCD IPO
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If the investment amount is less than & up to 10 lakhs, retail investors can apply for an IPO online.
If the investment amount is more than 10 Lakhs.
Financial Overview
Snapshot stating the Revenue, Expenses, EBIT, Net Worth and PAT
Cash flow for last 5 years
Cash flow refers to the movement of cash in and out of the business at a specific point in time. It represents the net balance of the cash movement.
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- *Cash flow from operating activities reflects the amount a company generates through its product of services.
- **Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.
- ***Cash flow from financing activities gives an insight into the financial stability of a company to its investors. It reflects the net flows of cash that are used to fund the company.
Ratio Analysis
Issue analysis
Pros
- The NCD is A- rated security with a stable outlook.
- The yield ranges upto 10.47% which is much higher than FDs.
Cons
- Debt Service Coverage ratio has been decreasing indicating that the company might not be able to service its debt through available profits.
To get better returns than Bank FDs, invest in NCD-IPOs online.
About Kosamattam Finance Ltd.
Kosamattam Finance is a leading non-banking financial company (NBFC) in India, renowned for its robust financial services and a legacy spanning over seven decades. Established in 1957, Kosamattam Finance has been a trusted name in providing a wide spectrum of financial solutions, including gold loans, microfinance, and other retail lending products. With a commitment to reliability, customer-centricity, and ethical practices, Kosamattam Finance continues to empower individuals and businesses across the country, catering to diverse financial needs while upholding a strong sense of community and service excellence.
Highlights
Strengths
- Boosted Footprint: KFL expands core gold loan franchise while conquering southern markets and venturing north.
- Rock-Solid Loans: Gross gold loan NPAs stay resilient at 0.45% in 1HFY2, showcasing KFL’s credit quality.
- Diversified Backing: Securely raising funds from diverse public & private sector banks, KFL builds a robust financial infrastructure.
- Balanced Portfolio: KFL boasts a perfectly matched asset-liability profile with steady surpluses across all timeframes up to one year,
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