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Kosamattam Finance NCD Issue August 2026 Interest Rates

Kosamattam Finance NCD Bonds August 2026 are Open on August 18, 2026 and close on September 01, 2026. The Company will offer 10.00% interest rates on the NCD Bonds, and NCD tenure will be applicable for 24 Months, 36 months, 42 months, 50 Months, and 60 Months. The company will rase a fund of ₹200.00 crore through this NCD, the company has fixed the NCD price band at ₹1000 for this according to the face value of ₹1000. You can check Latest NCD issue here.

Kosamattam Finance NCD

Part of the Kosamattam Group, Kosamattam Finance operates as an RBI-registered non-deposit NBFC specializing in gold-backed financing across nine states and territories, including Kerala, Maharashtra, and Delhi.

Gold loans form over 99% of the company’s total portfolio, reaching ₹6,13,711 lakh across 11.61 lakh accounts by late September 2025. Serving diverse clients from agricultural workers to small enterprise owners it provides flexible gold schemes capped at 12-month tenures, with typical loan sizes averaging ₹53,000–₹58,000. Financially, the lender generated ₹50,515 lakh in revenue and ₹8,060 lakh in net profits during the first half of FY26.

As of late 2025, the institution managed 981 branches nationwide, backed by a workforce of 3,924 employees. Beyond core gold lending, Kosamattam diversifies revenue through fee-based offerings, including foreign exchange, microfinance, remittances, ticketing, and agricultural ventures.

Object of the Issue :
  • Onward lending.
  • Repayment of interest and principal of existing debts.
  • General corporate purposes.
Company Strenghts :
  • High gold-backed collateral focus ensures strong asset quality and minimal default risk.
  • Substantial retail branch footprint provides deep access across rural and semi-urban markets.
  • Decades of operational history build strong brand trust and client retention.
  • Consistent growth in Assets Under Management (AUM) demonstrates steady financial health.
  • Diverse financial services beyond gold loans support broader revenue streams.

Read also: Upcoming Rights Issue

Kosamattam Finance NCD Reviews :

NCD Review Card

Kosamattam Finance NCD Bonds 2026 Issue Details :

EventDetails
Issue Open :August 18, 2026
Issue Close :September 01, 2026
Issue Base Size :₹100.00 Cr.
Issue Size (Oversubscription) :₹100.00 Cr.
Tranche Issue Size :₹200.00 Cr.
Price Band :₹1000 Per NCD
Lot Size :1 NCD
Minimum Investment :₹10000
Face Value :₹1000 Each NCD
Interest Rate :Up To 10.00% Annual
Listing on :BSE Platform
Basis of Allotment :First Come First Serve
Important Link :

Kosamattam Finance NCD 2026 Tenure & Interest Rates :

SrTenureInterestCouponEff. Yield
124 MonthsCumulativeNA%8.26%
224 MonthsMonthly8.50%8.84%
336 MonthsMonthly9.25%9.65%
436 MonthsCumulativeNA%9.25%
542 MonthsMonthly10.00%10.47%
650 MonthsCumulativeNA%10.22%
760 MonthsMonthly10.00%10.47%
884 MonthsCumulativeNA%10.41%

Company Financials (in Cr) :

YearAssetsRevenuePAT
20268,284.811,128.82184.74
20256,405.69900.43127.06
20245,985.78858.94113.70

NCD Allocation :

CategoryAllocation %
Institutional10.00%
Non-Institutional10.00%
HNI60.00%
Retail20.00%
Total100.00%
Promoters : ■ Mathew K. Cherian
■ Laila Mathew
NCD Lead Managers :
■ Vivro Financial Services Pvt.Ltd.
NCD Debenture Trustee :
Vistra Itcl (India) Limited
The Qube, 2nd Floor, A Wing, 202,
Hasan Pada Road, Mittal Industrial Estate, Marol,
Andheri (East), Mumbai – 400 059,
Maharashtra, India.
Telephone: 022- 2659 3333
Email: [email protected]
Investor grievance mail: [email protected]
Website: https://www.vistraitcl.com
NCD Registrar :
KFIN Technologies Limited
301, The Centrium, 3rd Floor, 57,
Lal Bahadur Shastri Road,
Nav Pada, Kurla (West) Kurla,
Mumbai- 400 070, Maharashtra, India
Telephone: +91 40 6716 2222
Fax Number: 040-6716 1563
Email: [email protected]
Website: www.kfintech.com

Note: Visit IPOBazar page and choose NCD Official Registrar Allotment Link. Click Here

Company Address :
Kosamattam Finance Pvt. Ltd.
Kosamattam City Centre,
Floor Number 4th & 5th, T.B Road,
Kottayam – 686001, Kerala, India
Email: [email protected]
Tel: +91 481 258 6400
Website: https://www.kosamattam.com

Disclaimer: Stock Market Investments are Subject to Market risks, read all scheme Related Document Carefully Before Investing.

Kosamattam Finance NCD Issue August 2026 Interest Rates

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