{"id":11670,"date":"2026-02-09T14:26:15","date_gmt":"2026-02-09T14:26:15","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=11670"},"modified":"2026-02-09T16:15:40","modified_gmt":"2026-02-09T16:15:40","slug":"kosamattam-finance-ltd-ncd-ipo","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/","title":{"rendered":"KOSAMATTAM FINANCE LIMITED NCD IPO"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#High_Yield_IND_AStable_Rated_Minimum_Investment_10K_Only\" >High Yield | IND A\/Stable Rated | Minimum Investment: 10K Only<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Bond_overview\" >Bond overview:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Coupon_rates_and_effective_yield_for_each_of_the_series\" >Coupon rates and effective yield for each of the series:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Allocation_Ratio\" >Allocation Ratio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Investment_Process_for_Kosamattam_Finance_Ltd_NCD_IPO\" >Investment Process for Kosamattam Finance Ltd NCD IPO:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Financial_Overview\" >Financial Overview:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Snapshot_stating_the_Total_Income_Expenses_Net_Worth_and_PAT_In_Crores\" >Snapshot stating the\u00a0 Total Income, Expenses, Net Worth and PAT ( In Crores):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Cash_flow_for_last_few_years_In_Crores\" >Cash flow for last few years ( In Crores):<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Ratio_Analysis\" >Ratio Analysis:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Issue_analysis\" >Issue analysis:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Pros\" >Pros:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#_Cons\" >\u00a0Cons:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\" >To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#About_Kosamattam_Finance_Limited\" >About Kosamattam Finance Limited:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Highlights\" >Highlights:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#116_Lakh_Customers_175_Years_of_Trust_981_Branches_3900_Employees\" >11.6+ Lakh Customers \n175+ Years of Trust \n 981 Branches \n 3900+ Employees<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Key_Highlights\" >Key Highlights:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Strengths\" >Strengths:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Weaknesses\" >Weaknesses:<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Invest_in_Bond_IPO_online_in_just_5_minutes\" >Invest in Bond IPO online in just 5 minutes<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Source_%E2%80%93_Prospectus_February_02_2026\" >Source &#8211; Prospectus February 02, 2026<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#Disclaimer_%E2%80%93_The_information_is_published_as_on_date_09022026_based_on_information_available_on_Prospectus_February_02_2026_The_information_may_be_subject_to_change_in_case_of_change_in_terms_of_prospectus_or_any_other_reason_as_the_case_may_be_Contents_which_are_exclusively_for_educational_informationknowledge_sharing_on_capital_market_concepts_and_has_no_influence_the_investmentsale_decisions_of_any_investors\" >Disclaimer &#8211; The information is published as on date 09\/02\/2026 based on information available on Prospectus February 02, 2026. The information may be subject to change in case of change in terms of prospectus or any other reason as the case may be. Contents which are exclusively for educational information\/knowledge sharing on capital market concepts and has no influence the investment\/sale decisions of any investors<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"High_Yield_IND_AStable_Rated_Minimum_Investment_10K_Only\"><\/span><strong>High Yield | IND A\/Stable Rated | Minimum Investment: 10K Only<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Bond_overview\"><\/span><strong>Bond overview:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kosamattam Finance Limited<\/span>\u00a0<span style=\"font-weight: 400;\">is issuing the Non-Convertible Debentures. These NCDs are A\/Stable by India Ratings &amp; Research. The NCDs are being issued in eight series: yield ranges from 8.00% to 10.47% p.a. and different tenures of 15 months, 24 months, 36 months, 42 months, 50 months, 60 months and 84 months. The NCDs are secured and redeemable in nature.<\/span><\/p>\n<p><img decoding=\"async\" class=\" wp-image-11681 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09142829\/Bond-Overview-2-253x300.png\" alt=\"Kosamattam NCD IPO \" width=\"802\" height=\"950\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09142829\/Bond-Overview-2-253x300.png 253w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09142829\/Bond-Overview-2-865x1024.png 865w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09142829\/Bond-Overview-2-768x909.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09142829\/Bond-Overview-2-1297x1536.png 1297w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09142829\/Bond-Overview-2.png 1505w\" sizes=\"(max-width: 802px) 100vw, 802px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Coupon_rates_and_effective_yield_for_each_of_the_series\"><\/span><strong>Coupon rates and effective yield for each of the series:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\" wp-image-11673 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09135542\/Issue-Structure-1-300x146.png\" alt=\"Kosamattam Finance Ltd. NCD IPO\" width=\"1165\" height=\"567\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09135542\/Issue-Structure-1-300x146.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09135542\/Issue-Structure-1-768x373.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09135542\/Issue-Structure-1.png 983w\" sizes=\"(max-width: 1165px) 100vw, 1165px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Allocation_Ratio\"><\/span><b>Allocation Ratio:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0 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.<\/span><\/p>\n<p><img decoding=\"async\" class=\" wp-image-11674 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140322\/Allocation-Ratio-1-300x205.png\" alt=\"Kosamattam Finance Ltd. NCD IPO\" width=\"1187\" height=\"811\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140322\/Allocation-Ratio-1-300x205.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140322\/Allocation-Ratio-1-1024x699.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140322\/Allocation-Ratio-1-768x524.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140322\/Allocation-Ratio-1-1536x1048.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140322\/Allocation-Ratio-1.png 1700w\" sizes=\"(max-width: 1187px) 100vw, 1187px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Investment_Process_for_Kosamattam_Finance_Ltd_NCD_IPO\"><\/span><b>Investment Process for Kosamattam Finance Ltd NCD IPO:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can invest in IPOs via GoldenPi in 3 easy steps.<\/span><\/p>\n<p><img decoding=\"async\" class=\" wp-image-11656 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/04160420\/Investment-Process-300x120.png\" alt=\"Kosamattam Finance Ltd - NCD IPO\" width=\"1236\" height=\"494\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/04160420\/Investment-Process-300x120.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/04160420\/Investment-Process-768x306.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/04160420\/Investment-Process.png 906w\" sizes=\"(max-width: 1236px) 100vw, 1236px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Financial_Overview\"><\/span><b>Financial Overview:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Snapshot_stating_the_Total_Income_Expenses_Net_Worth_and_PAT_In_Crores\"><\/span><b>Snapshot stating the\u00a0 Total Income, Expenses, Net Worth and PAT ( In Crores):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\" wp-image-11675 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140641\/Financials-1-300x164.png\" alt=\"Kosamattam Finance Ltd. NCD IPO\" width=\"1232\" height=\"673\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140641\/Financials-1-300x164.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140641\/Financials-1-768x420.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140641\/Financials-1.png 1993w\" sizes=\"(max-width: 1232px) 100vw, 1232px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cash_flow_for_last_few_years_In_Crores\"><\/span><b>Cash flow for last few years ( In Crores):<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img decoding=\"async\" class=\" wp-image-11676 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140801\/Cashflow--300x163.png\" alt=\"Kosamattam NCD IPO\" width=\"1363\" height=\"740\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140801\/Cashflow--300x163.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140801\/Cashflow--1024x556.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140801\/Cashflow--768x417.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140801\/Cashflow--1536x834.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09140801\/Cashflow-.png 1865w\" sizes=\"(max-width: 1363px) 100vw, 1363px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">*Cash flow from operating activities reflects the amount a company generates through its product of services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">**Cash flow from investing activities reflects cash generated and spent relating to investing activities, like purchase of assets, sales of securities etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">***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.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Ratio_Analysis\"><\/span><b>Ratio Analysis:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\" wp-image-11677 aligncenter\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09141013\/Ratio-Analysis-300x186.png\" alt=\"Kosamattam NCD IPO\" width=\"1169\" height=\"725\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09141013\/Ratio-Analysis-300x186.png 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09141013\/Ratio-Analysis-1024x636.png 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09141013\/Ratio-Analysis-768x477.png 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09141013\/Ratio-Analysis-1536x953.png 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09141013\/Ratio-Analysis.png 1801w\" sizes=\"(max-width: 1169px) 100vw, 1169px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Issue_analysis\"><\/span><b>Issue analysis<\/b><span style=\"font-weight: 400;\">:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Pros\"><\/span><b>Pros:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong Credit Rating:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Rated IND A\/Stable indicating high degree of safety and low credit risk\u200b.<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Secured NCDs:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Senior, secured NCDs backed by First-ranking pari-passu charge by way of hypothecation of loan receivables<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Security Cover: <\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The security cover required must be a minimum of 110% of the total of the outstanding principal balance of the NCDs<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Competitive yields<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">: up to 10.47% vs bank FDs.\u200b<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wide tenor and payout options: <\/b>monthly to cumulative<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"_Cons\"><\/span><span style=\"font-weight: 400;\">\u00a0<\/span><b>Cons:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Geographic concentration:<\/b><span style=\"font-weight: 400;\"> ~97% AUM from South India (Tamil Nadu ~59% in FY25), exposing business to regional economic &amp; political risks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Exposure to Gold Loan Volatility:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> A large portion (approx 99%) of business still depends on gold loan pricing and demand cycles.<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest Rate Risk:<\/b> More pronounced in longer tenors (60-84 months).<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"To_get_better_returns_than_Bank_FDs_invest_in_NCD-IPOs_online\"><\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><a href=\"https:\/\/goldenpi.com\/bond-better-return-fds\"><b>To get better returns than Bank FDs, invest in NCD-IPOs online.\u00a0<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"About_Kosamattam_Finance_Limited\"><\/span><b>About Kosamattam Finance Limited:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Kosamattam Finance Limited (KFL) is an RBI-registered NBFC primarily engaged in the gold loan business, lending against the pledge of household gold jewellery. The company is headquartered in Kottayam, Kerala, and has a long operating history in the gold loan segment. In addition to gold loans, Kosamattam Finance offers ancillary and fee-based services, including microfinance, money transfer services, foreign currency exchange, power generation, agriculture-related activities, and air ticketing services. However, revenues continue to be predominantly driven by the gold loan business, which contributed ~96% of total income in recent periods.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Kosamattam Finance operates a wide branch network of 981 branches as of Dec &#8216;2025, spread across Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Maharashtra, Uttar Pradesh, Telangana, and the Union Territories of Puducherry and Delhi. The company employs nearly 3,924 personnel to support its business operations, with a strong concentration in southern India.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">The company is part of the Kosamattam Group, originally founded by Nasrani Varkey, and is currently led by Mathew K. Cherian, Chairman and MD, a fourth-generation entrepreneur. Under his leadership, the group has scaled its gold loan operations while maintaining a focused product strategy.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Highlights\"><\/span><b>Highlights:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"116_Lakh_Customers_175_Years_of_Trust_981_Branches_3900_Employees\"><\/span><span style=\"font-weight: 400;\">11.6+ Lakh Customers<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">175+ Years of Trust<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> 981 Branches<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> 3900+ Employees<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_Highlights\"><\/span><b>Key Highlights:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Strengths\"><\/span><b>Strengths:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li aria-level=\"1\"><b>Strong Promoter Group: <\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Kosamattam Finance Ltd. (KFL) is part of the Kosamattam Group, which has a 175+ year legacy, founded by Mr. Chacko Varkey. Mr. Mathew K. Cherian, a fourth-generation family member, serves as Chairman and MD. The strong 86.17% promoter and promoter group equity stake reflects a significant, long-term commitment to the business.<\/span><\/span><\/li>\n<li aria-level=\"1\"><b>Experienced management team: <\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Led by Promoter &amp; Director Mathew K. Cherian (40+ years in finance), supported by a stable senior management team (majority with 5+ years\u2019 tenure), bringing deep expertise in gold lending and a strong understanding of rural and semi-urban customers.<\/span><\/span><\/li>\n<li aria-level=\"1\"><b>Growing AUM base along with Improving operational efficiency :<\/b><span style=\"font-weight: 400;\">Over 30 years in gold-loan business with steady expansion; <\/span><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">KFL has demonstrated consistent growth in its gold loan AssetsThe gold loan AUM reached \u20b96100 Cr. in Sept &#8216;2025, an increase from \u20b95680 Cr in Mar\u2019FY25 and \u20b95310 Cr in FY24. This growth is supported by efficient operations, as indicated by a stable AUM per branch of \u20b96.28 Cr. (up from \u20b95.85 Cr. in Mar\u20192025 and \u20b95.38 Cr. Mar\u20192024).<\/span><\/span><\/li>\n<li aria-level=\"1\"><b>Predominantly secured retail portfolio: <\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">~100% of the Assets Under Management (AUM) are secured, with 99.07% backed by gold jewellery and the remaining 0.88% by mortgages (home loans and Loan Against Property or LAP), ensuring strong collateral cover and high recoverability.<\/span><\/span><\/li>\n<li aria-level=\"1\"><b>Granularity of loans:<\/b><span style=\"font-weight: 400;\"> The company&#8217;s lending model is centered on low-risk, small-ticket retail loans, with an average loan amount of Rs. 50-55K and shorter tenures (9-12 months). This structure makes it less susceptible to interest rate fluctuations. <\/span><\/li>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Consistent Growth in Gold loan AUM: <\/b><span style=\"font-weight: 400;\">The company&#8217;s customer base, evidenced by its Gold Loan portfolio, has consistently expanded. Gold Loans remain dominant, comprising 98.68% (Mar\u20192023), 98.92% (Mar\u20192024), 99.07% (Mar\u20192025), and 99.21% (Sept\u20192025) of the total loan portfolio. Gold Loan accounts also grew significantly, from 8.82 lakh in March 2023 to 11.61 lakh by Sept\u20192025. \u00a0 <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Stable asset quality: <\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">GNPAs are stable at 1.75% in Sept\u2019 25 (Mar\u201925: 1.37%; Mar &#8217;24: 1.44%), supported by regulatory LTV caps (75%) and timely gold auctions. In Mar\u2019 25, KFL auctioned gold worth \u20b963.7 Cr. with no losses, fully recovering dues, resulting in modest and low-volatility credit costs.<\/span><\/span><\/li>\n<li aria-level=\"1\"><b>Diversified\u00a0 funding profile:<\/b><span style=\"font-weight: 400;\"> Funding is well diversified, with access to a wide network of PSU\/Private banks and NBFCs (including SBI, Bank of Baroda, Union Bank, HDFC Bank, Axis Bank, Kotak Mahindra Bank, Federal Bank, Bajaj Finance, TATA Capital among others), alongside capital market instruments (NCDs,Subdebt, CP), supporting funding stability and refinancing flexibility.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Healthy capitalisation: <\/b><span style=\"font-weight: 400;\">Capital remains comfortable, supported by a \u20b950 Cr. rights issue in FY24, lifting Tier I capital to 17.64% in Q2 FY26 (FY25: 17.39%; FY24: 16%), with moderate leverage of 4.9x.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Stable and consistent profitability: <\/b><span style=\"font-weight: 400;\">KFL has demonstrated steady profitability, with PAT increasing to \u20b9127 Cr. in FY25 (FY24: \u20b9113.6 Cr; FY23: \u20b9107.1 Cr; FY22: \u20b9800 Cr.) and ROA sustained around 2.06% (FY24), 2% (FY23), 2.15% (FY22) . In Q2 FY26, PAT stood at \u20b948.2 Cr with a healthy annualised ROA of 2.9% supported by a stable cost of borrowings (~10.4%), controlled opex (~3% of AUM), technology-led operating efficiency, rising AUM per branch, and minimal credit costs (0.02%) due to the secured gold loan portfolio.<br \/>\n<\/span><\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\"><b>Adequate liquidity position: <\/b>Positive ALM in all buckets up to 1 year, supported by short asset tenor (9\u201312 months) vs longer liabilities (~36 months) and liquid collateral.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Weaknesses\"><\/span><b>Weaknesses:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Product concentration risk:<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> ~99% portfolio in gold loans, making earnings heavily dependent on gold-loan segment performance &amp; gold price cycles.<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><b>Geographic concentration:<\/b> ~97% AUM from South India (Tamil Nadu ~59% in FY25), exposing business to regional economic &amp; political risks.<\/span><\/li>\n<\/ul>\n<h1><span class=\"ez-toc-section\" id=\"Invest_in_Bond_IPO_online_in_just_5_minutes\"><\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><b>Invest in Bond IPO online in just 5 minutes<\/b><\/a><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Source_%E2%80%93_Prospectus_February_02_2026\"><\/span><b>Source &#8211;<\/b><span style=\"font-weight: 400;\"> Prospectus February 02, 2026<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h5><span class=\"ez-toc-section\" id=\"Disclaimer_%E2%80%93_The_information_is_published_as_on_date_09022026_based_on_information_available_on_Prospectus_February_02_2026_The_information_may_be_subject_to_change_in_case_of_change_in_terms_of_prospectus_or_any_other_reason_as_the_case_may_be_Contents_which_are_exclusively_for_educational_informationknowledge_sharing_on_capital_market_concepts_and_has_no_influence_the_investmentsale_decisions_of_any_investors\"><\/span><b>Disclaimer<\/b><span style=\"font-weight: 400;\"> &#8211; <\/span><span style=\"font-weight: 400;\">The information is published as on date<\/span> <span style=\"font-weight: 400;\">09\/02\/2026 based on information available on Prospectus February 02, 2026. The information may be subject to change in case of change in terms of prospectus or any other reason as the case may be. Contents which are exclusively for educational information\/knowledge sharing on capital market concepts and has no influence the investment\/sale decisions of any investors<\/span><span class=\"ez-toc-section-end\"><\/span><\/h5>\n","protected":false},"excerpt":{"rendered":"<p>High Yield | IND A\/Stable Rated | Minimum Investment: 10K Only Bond overview: Kosamattam Finance Limited\u00a0is issuing the Non-Convertible Debentures. These NCDs&hellip;<\/p>\n","protected":false},"author":12,"featured_media":11684,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[113,232,293],"tags":[],"class_list":["post-11670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ncd-ipo","category-corporate-bonds","category-bond-market-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>KOSAMATTAM FINANCE LIMITED NCD IPO - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"KOSAMATTAM FINANCE LIMITED NCD IPO\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KOSAMATTAM FINANCE LIMITED NCD IPO - GoldenPi | Blogs\" \/>\n<meta property=\"og:description\" content=\"KOSAMATTAM FINANCE LIMITED NCD IPO\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-09T14:26:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-09T16:15:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09160516\/Blog-Banner%402x-2-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2321\" \/>\n\t<meta property=\"og:image:height\" content=\"1101\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/\",\"name\":\"KOSAMATTAM FINANCE LIMITED NCD IPO - GoldenPi | Blogs\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09160516\/Blog-Banner%402x-2-1.png\",\"datePublished\":\"2026-02-09T14:26:15+00:00\",\"dateModified\":\"2026-02-09T16:15:40+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/8fffcb995eff157311f79cee9f9c434e\"},\"description\":\"KOSAMATTAM FINANCE LIMITED NCD IPO\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/investment-guide\/ncd-ipo\/kosamattam-finance-ltd-ncd-ipo\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09160516\/Blog-Banner%402x-2-1.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/02\/09160516\/Blog-Banner%402x-2-1.png\",\"width\":2321,\"height\":1101,\"caption\":\"Kosamattam Finance Ltd. 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