Kosamattam Finance NCD February 2026 Description – Kosamattam Finance is a systemically important, non-deposit-taking NBFC (Middle Layer) registered with the Reserve Bank of India, primarily engaged in the gold loan business. Headquartered in Kottayam, Kerala, it operates under the Kosamattam Group, a legacy financial services group with over a century of entrepreneurial history. As of 31 December 2025, the company had a network of 981 branches across seven states—Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Maharashtra, Uttar Pradesh and Telangana—and the Union Territories of Puducherry and Delhi, supported by a workforce of 3,924 employees.
Gold loans form the core of the company’s operations, accounting for over 99% of its loan portfolio across the last three financial years. As of 30 September 2025, the Company managed 11.62 lakh gold loan accounts with an aggregate principal outstanding of INR 6,137.11 crore. The portfolio has demonstrated steady growth, supported by short-term loans (up to 12 months), conservative loan-to-value practices and a strong focus on household jewellery collateral. The average yield on gold loan assets stood at 17.39% for the six months ended 30 September 2025.
In addition to gold loans, the company offers ancillary fee-based services, including loans against property, money transfer, foreign exchange and other services, contributing to revenue diversification while maintaining gold loans as the primary earnings driver.
Promoters of Kosamattam Finance – Mathew K. Cherian, Laila Mathew
Kosamattam Finance NCD February 2026 Details
| Subscription Dates | 9 Feb – 23 Feb 2026 |
| Security Type | Secured, Non-Convertible Debentures |
| Face Value | INR 1,000 per NCD |
| Issue Price | INR 1,000 per NCD |
| Issue Size (Base Issue) | INR 100 crores |
| Overall Issue Size (including oversubscription) | INR 200 crores |
| Minimum Lot Size | 10 NCDs |
| Market Lot | 1 NCD |
| Tenor | 15 months 24 months 36 months 42 months 50 months 60 months 84 months |
| Credit Rating | IND A-Stable |
| Category Reservation | Category 1 (QIB): 10% Category 2 (Non-Institutional): 10% Category 3 (HNI): 30% Category 4 (Retail): 50% |
| Basis of Allotment | First Come First Serve |
| Listing On | BSE |
Kosamattam Finance NCD February 2026 – Options and Coupon Rates
| Option | Tenure | Interest Payment | Coupon Rate | Effective Yield | Maturity Amount |
| Series 1 | 15 months | Cumulative | NA | 8.00% | INR 1101 |
| Series 2 | 24 months | Monthly | 8.50% | 8.84% | INR 1,000 |
| Series 3 | 36 months | Monthly | 9.00% | 9.38% | INR 1,000 |
| Series 4 | 36 months | Cumulative | NA | 9.25% | INR 1,304 |
| Series 5 | 42 months | Monthly | 9.75% | 10.20% | INR 1,000 |
| Series 6 | 50 months | Cumulative | NA | 10.22% | INR 1,500 |
| Series 7 | 60 months | Monthly | 10.00 | 10.47% | INR 1,000 |
| Series 8 | 84 months | Cumulative | NA | 10.41% | INR 2,000 |
Kosamattam Finance Non-Convertible Debentures Lead Manager
VIVRO FINANCIAL SERVICES PRIVATE LIMITED
VivroHouse 11, Shashi Colony, Opposite Suvidha Shopping Centre,
Paldi, Ahmedabad –380007, Gujarat, India
Tel: +91 7940404242/40/41
E-mail: [email protected]
Website: www.vivro.net
Kosamattam Finance Non-Convertible Debentures Registrar
KFIN TECHNOLOGIES LIMITED
Selenium Tower B, Plot No 31 & 32, Financial District, Nanakramguda,
Serilingampally, Hyderabad, Rangareddi, 500 032, Telangana, India.
Tel: +91 40 6716 2222
Email: [email protected]
Website: www.kfintech.com
Kosamattam Finance Documents
Kosamattam Finance Contact Details
KOSAMATTAM FINANCE LIMITED
Kosamattam City Centre, Floor Numbers 4th & 5th,
T.B Road, Kottayam – 686001, Kerala, India
Tel: +91 481 258 6400
E-mail: [email protected]
Website: www.kosamattam.com
Kosamattam Finance NCD February 2026 Subscription Status (no. of times)
Coming soon
Kosamattam Finance NCD Allotment Status
Kosamattam Finance NCD February 2026 allotment status will be updated on the website of Kfin Technologies Limited. Click on this link to get the allotment status.
Kosamattam Finance NCD February 2026 FAQs
What is the face value and lot size of Kosamattam Finance NCD February 2026?
The NCDs will be issued at a face value of INR 1,000 each NCD and the minimum lot size is 10 NCDs.
What is the frequency of interest payment in the Kosamattam Finance NCD February 2026?
The payment frequency for Kosamattam Finance NCD is Monthly and cumulative.
What is the basis of allotment in Kosamattam Finance NCD February 2026 offer?
Kosamattam Finance NCDs will be allotted on a First Come First Serve Basis.