Kosamattam Finance Limited

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Returns (YTM)

Upto 11.00%

Min. Investment

₹ 9,729.4

Tenure

10M - 35M

Payment Terms

Monthly

Highlights

Credit Rating

IND A/STABLE

Seniority

SENIOR

Security

Secured

Sold Out Percentage

Bond Availability Status

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 Limited (“KFL”) was incorporated in 1980 is an India Ratings A rated non-deposit taking, systematically important NBFC that lends money against high-yielding gold jewellery. Kosamattam group has over four decades of experience in providing loans against gold jewellery/ornaments.

As of March 31, 2026, KFL reported an AUM of ~INR 7,370Cr. supported by 9 States presence, with 981 branches and over 20 Lakhs + customers served.

Mr. Mathew K Cherian is the present Chairman and Managing Director of Kosamattam Group and is a fourth-generation entrepreneur in the family. Promoters maintain the complete ownership of the Company.

Total Annual Revenue

900.42Cr (FY - 2025)

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: 17-Apr-2026

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

9.25% Kosamattam Finance Limited Secured Rated Listed NCD Maturity 27-May-2029

ISIN

Copy

INE403Q07HB4

Face Value

₹ 1,000

Issued FV

₹ 1,000

Coupon Rate

9.25%

Coupon Type

FIXED

Payment Terms

Monthly

Maturity Date

27-May-2029

Clean Price

₹ 96.94

Dirty Price

₹ 99.49

Current Yield

9.5421%

Yield to Maturity

11%

Mode of Issue

Public Placement

Date of Issue

27-May-2026

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Vistra ITCL (India) Limited

The Qube, 2nd floor ‘A’ Wing, 202, Hasan Pada Road, Mitttal Industrial Estate, Marol, Andheri (E), Mumbai 400059-Maharashtra, India

Registrar Details

KFIN TECHNOLOGIES PRIVATE LIMITED

301, The Centrium, 3rd Floor, 57, Lal Bahadur Shastri Road,Nav Pada, Kurla (West)Kurla, Mumbai, Maharashtra, India,400070

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 301, The Centrium, 3rd Floor, 57, Lal Bahadur Shastri Road,Nav Pada, Kurla (West)Kurla, Mumbai, Maharashtra, India,400070

Units

Select Tenure

Invest in this tenure with Early Sell option.

Investment Amount

₹ 9,949

Total Returns

₹ 821.41

Total Receivable

₹ 10,770.41

Cashflow Timeline

Similar Bonds

FAQs about KOSAMATTAM FINANCE bonds

How to buy this KOSAMATTAM FINANCE bond online?

You can invest in bonds online in under 5 minutes. To buy KOSAMATTAM FINANCE bond online follow the steps below:

Login/signup at GoldenPi
Upload your documents online to complete the KYC
Pay online via payment gateway and receive bond units in your demat account

What is the yield of this KOSAMATTAM FINANCE bond?

11% is the current yield of this KOSAMATTAM FINANCE 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 bond is 11%, 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 bond?

To redeem this KOSAMATTAM FINANCE 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 bond is generally simple and straightforward. Contact our support team for more information.

Is this KOSAMATTAM FINANCE bond tax-free?

No, this KOSAMATTAM FINANCE 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 bond before the maturity date?

Yes, it is possible to sell this KOSAMATTAM FINANCE 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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Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities/securitised debt instruments are subject to credit risks, market risks and default risks including delay and/or default in payment. Read all the offer related documents carefully.
Investors can update their email id and mobile number with their stock broker / depository participant and receive OTP directly from the depository on email id and/or mobile number to create a pledge. Investors can check their securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.

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Fixed Deposits are offered in the capacity of a distributor and all disputes with respect to distribution activity, would not have access to exchange investor redressal forum or arbitration mechanism.

Attention Investors - Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month. Issued in the interest of Investors

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Risk Disclosure & Regulatory Information

Fixed returns do not mean guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities, and securitised debt instruments carry credit risk, market risk, and default risk, including delay or default in payment. Please read all offer-related documents carefully before you invest.

The online bond platform goldenpi.com is owned by GoldenPi Securities Pvt Ltd (GSPL), an OBPP and debt broker registered with SEBI. GSPL is a wholly owned subsidiary of GoldenPi Technologies Pvt Ltd (GTPL).

SEBI Registration No.: INZ000310732 | BSE Member ID: 6809 | NSE Member ID: 90331

Compliance Officer: Ekta Sheth, Tel. No.: 080-45685666, Email ID: grievance-gspl@goldenpi.com (for any compliance & grievance related complaints)

Key Managerial Personnel:
Abhijit Roy - Designated Director & CEO, Samir Baran Pratihar - Designated Director & CTO
Tel. No.: 080-45685666 | Email: contact-us@goldenpi.com

Cashflow Timeline for Early Sell Option

Timeline

Total Receivable*

Net Receivable**

2026

₹ 387.74

₹ 348.97

01 Aug	Interest ₹ 78.56	Interest ₹ 70.71
01 Sep	Interest ₹ 78.56	Interest ₹ 70.71
01 Oct	Interest ₹ 76.03	Interest ₹ 68.42
01 Nov	Interest ₹ 78.56	Interest ₹ 70.71
01 Dec	Interest ₹ 76.03	Interest ₹ 68.42

2027

₹ 10,382.67

₹ 10,344.4

* The interest amount is paid as per total invested face value (₹ 10000) and annual coupon rate of 9.25%.

** The net interest receivable is after 10% TDS for Indian Residents. However for NRI 30% TDS is deducted. The deducted TDS can be claimed while filing ITR.