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Kosamattam Finance Limited
Kosamattam Finance Limited (KFL), a Kerala-based non-deposit taking NBFC registered with the RBI, focuses on the business of lending money against high-yielding gold jewelry, predominantly in the southern region of India.
Sector Focus
Finance (NBFC)
Highest Credit Rating
IND A Stable by Ind-Ra
Listing (Debt)
BSE
Date of NBFC License by RBI
2013
Business & Products
Lending- Gold Loans (99% of Loan book) & Financial Services
Promoter
Mr. Chako Varky
Key Management Personnel
Mr. Mathew K Cherian
Chairman & Managing Director
Ms. Laila Mathew
Director
Bonds issued by Kosamattam Finance Limited
Financial Performance
| Particulars | H1 FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| AUM | - | 5688.08 | 5310.34 |
| NET WORTH | 1143.43 | 1062.83 | 927.56 |
| REVENUE | 505.14 | 900.42 | 858.93 |
| PAT | 80.59 | 127 | 113 |
| CRAR% | 18.59 | 18.78 | 18.42 |
| GNPA% | 1.65 | 1.37 | 1.44 |
| NNPA% | 0.74 | 0.46 | 0.52 |
| GEARING (times) | 5.20 | 4.97 | 5.39 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| India Ratings & Research | IND A | Stable | as on 12th November, 2025 |
Top Lenders to Kosamattam Finance Limited
AK Capital Finance Limited
Axis Bank Limited
Bajaj Finance
Bank of Baroda
Bank of Maharashtra
Canara Bank
City Union Bank
Yes Bank
State Bank of India
Strength
Sizeable scale of franchisee; maintained runaway growth
Stable asset quality
Improved funding profile
Stable profitability metrics
Weakness
Expanding footprint beyond southern states amid regional concentration
Important Links
Source:
Investor Presentation, Information Memorandum & Rating Rationale of Kosamattam Finance Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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