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GoldenPi: Buy Bonds, Debentures & Other Fixed Income Assets

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Kosamattam Finance Limited

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Closes on* tooltip

1-Sep-2026

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Returns Upto*

10.47%

IPO Min investment

Min Investment

10,000

Credit Rating

Credit Rating

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A/STABLE IND

Select Series

SeriesReturnsTenurePayoutCoupon
Series V10.47%42 monthsMonthly10%
Series VII10.47%60 monthsMonthly10%
Series VIII10.41%84 monthsCumulative
Series VI10.22%50 monthsCumulative
Series III9.65%36 monthsMonthly9.25%
Series IV9.25%36 monthsCumulative
Series II8.84%24 monthsMonthly8.5%
Series I8.26%24 monthsCumulative
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Strong Promoter Profile : Kosamattam Group has an established track record of over four decades in the gold loan business, with the promoters maintaining complete ownership and successfully scaling the loan book to approximately ~INR 7,370Cr.

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Strong Profitability metrics : The entity generated a PAT of INR 251Cr in the FY’26, resulting in a ROA of 3.02% and a ROE of 19.51%. They have been profitable over the years that have increased their net worth to ~INR 1286Cr.

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Company Financials

AUM

Net Worth

PAT

Cash & Cash Eq.

Important disclaimer

Ratio Analysis

0.49
Net NPA
Good
Benchmark: Lower than 3%
1.2
Gross NPA
Good
Benchmark: Lower than 5%
19.23
Capital Adequacy Ratio
Good
Benchmark: Minimum 15%
5.39
Debt to Equity Ratio
Good
Benchmark: Lower than 6 times

Important disclaimer

Compare with FD
Bank Deposit
6.80% *
Bond
10.47%
10 Lac Invested could earn  1,83,500 more in 5 years

About Issuer

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

Apply for IPO

Series V10.47% | Monthly | 42 months
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