10.47 Kosamattam Finance NCD February 2026 Review, Subscription, Allotment

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 LIMITED
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.