Search
<
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 (97% 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 | FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| AUM | 7000 | 5688.08 | 5310.34 |
| NET WORTH | 1285.74 | 1062.83 | 927.56 |
| REVENUE | 1128.81 | 900.42 | 858.93 |
| PAT | 184.73 | 127 | 113 |
| CAR% | 19.23 | 18.78 | 18.42 |
| GNPA% | 1.20 | 1.37 | 1.44 |
| NNPA% | 0.49 | 0.46 | 0.52 |
| GEARING (times) | 5.39 | 4.97 | 5.39 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| India Ratings & Research | IND A | Stable | as on 17th April, 2026 |
Top Lenders to Kosamattam Finance Limited
Kisetsu Saison Finance (India)
Kerala Financial Corporation
Poonawalla Fincorp
Punjab & Sind Bank
Federal Bank
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
