Kosamattam Finance Limited

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INE403Q07FQ6 is Out of Stock

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INE403Q07FQ6 - Bond Details

Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

2Y 4M 17Days

Payment Terms

Monthly

Highlights

Credit Rating

IND A/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

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.

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.

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

About Issuer

Kosamattam Finance Ltd. Kosamattam Finance Limited provides financial services. The Company offers housing finance, gold loan, forex, ticketing, insurance, depository services, and money transfer services.

Total Annual Revenue

900.42Cr FY(2024-25)

Year of Inception

1987

Industry

NBFC Retail

Head Office

KOTTAYAM

Type of Issuer

Corporate

Current MD/CEO

Mr. Mathew K. Cherian

Credit Rating / Outlook

A STABLE

IND

Rating Rationale

Rating Date: 29-Jul-2025

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with A credit rating are considered to have an adequate degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry low credit risk.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

Kosamattam Finance Limited

Security Name

10% Kosamattam Finance Limited Secured Rated Listed NCD Maturity 31-Dec-2027

ISIN

Copy

INE403Q07FQ6

Face Value

₹ 10,000

Issued FV

₹ 10,000

Coupon Rate

10%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

31-Dec-2027

Clean Price

₹ 98.71

Dirty Price

Current Yield

10.1305%

Yield to Maturity

11.1461%

Mode of Issue

Private Placement

Date of Issue

1-Jul-2025

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Vardhaman Trusteeship Private Limited

The Capital, A Wing, 412A, Bandra Kurla Complex, Bandra (East), Mumbai-400051

Registrar Details

KFIN TECHNOLOGIES PRIVATE LIMITED

Selenium Tower B, Plot No 31 & 32 Financial District, Nanakramguda Serilingampally, Hyderabad Rangareddi - 500032, Telangana, India

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 121 to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: KFIN TECHNOLOGIES PRIVATE LIMITED Selenium Tower B, Plot No 31 & 32 Financial District, Nanakramguda Serilingampally, Hyderabad Rangareddi - 500032, Telangana, India

This bond is
currently out of stock

Download Cashflow

FAQs about Kosamattam Finance Limited bonds

How to buy this Kosamattam Finance Limited bond online?

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What is the yield of this Kosamattam Finance Limited bond?

undefined% is the current yield of this Kosamattam Finance Limited bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this Kosamattam Finance Limited bond is undefined%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this Kosamattam Finance Limited bond?

To redeem this Kosamattam Finance Limited bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this Kosamattam Finance Limited bond is generally simple and straightforward. Contact our support team for more information.

Is this Kosamattam Finance Limited bond tax-free?

No, this Kosamattam Finance Limited bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this Kosamattam Finance Limited bond before the maturity date?

Yes, it is possible to sell this Kosamattam Finance Limited bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

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