Kosamattam Finance NCD Could 2026 concern has opened for subscription providing rates of interest as much as 10% every year. Within the present market the place financial institution FD charges are moderating, many traders are exploring secured NCDs for higher mounted revenue returns. Kosamattam Finance is a widely known gold mortgage NBFC working primarily in South India and has been a frequent issuer within the debt market.
The corporate is developing with secured NCDs aggregating as much as ₹300 Crores and the difficulty can be listed on BSE. Ought to traders put money into Kosamattam Finance NCD Could 2026 concern? Allow us to evaluate the difficulty particulars, rates of interest, credit score rankings, financials, dangers and positives on this detailed evaluate.
About Kosamattam Finance Restricted
Kosamattam Finance Restricted is a non-deposit taking NBFC primarily engaged in gold mortgage enterprise. The corporate lends cash towards family gold jewelry and has operations unfold throughout Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Maharashtra, Uttar Pradesh, Telangana, Puducherry and Delhi.
As of September 2025, the corporate had 11.61 lakh gold mortgage accounts with mortgage property exceeding ₹6,137 Crores. Greater than 99% of its mortgage portfolio consists of gold loans, indicating a centered enterprise mannequin.
The corporate has a large department community of 981 branches throughout India with practically 4,000 workers. It primarily caters to salaried workers, merchants, farmers, small enterprise house owners and households requiring short-term financing.
Kosamattam Finance has been working for over 37 years and has repeatedly tapped debt markets via NCD issuances. The promoters of the corporate are Mathew Ok. Cherian and Laila Mathew.
Kosamattam Finance NCD Could 2026 – Situation Particulars
| Particulars | Particulars |
|---|---|
| Situation Opening Date | Could 18, 2026 |
| Situation Closing Date | June 1, 2026 |
| Situation Measurement | ₹300 Crores |
| Base Situation Measurement | ₹150 Crores |
| Face Worth | ₹1,000 per NCD |
| Minimal Funding | ₹10,000 |
| Itemizing | BSE |
| Safety Sort | Secured Redeemable NCDs |
| Market Lot | 1 NCD |
| Allotment Foundation | First Come First Served |
| Lead Supervisor | Vivro Monetary Providers Pvt Ltd |
| Registrar | Kfin Applied sciences Ltd |
| Debenture Trustee | Vistra ITCL India Ltd |
Kosamattam Finance NCD Curiosity Charges Could 2026
| Collection | Tenure | Curiosity Fee | Coupon Fee | Efficient Yield |
|---|---|---|---|---|
| Collection I | 24 Months | Cumulative | NA | 8.26% |
| Collection II | 24 Months | Month-to-month | 8.50% | 8.84% |
| Collection III | 36 Months | Month-to-month | 9.25% | 9.65% |
| Collection IV | 36 Months | Cumulative | NA | 9.25% |
| Collection V | 42 Months | Month-to-month | 10.00% | 10.47% |
| Collection VI | 50 Months | Cumulative | NA | 10.22% |
| Collection VII | 60 Months | Month-to-month | 10.00% | 10.47% |
| Collection VIII | 84 Months | Cumulative | NA | 10.41% |
The very best efficient yield provided below this concern is 10.47% every year below Collection V and Collection VII.
Credit score Rankings
The NCD concern has been rated IND A / Secure by India Rankings & Analysis Personal Restricted.
An IND A ranking signifies ample diploma of security relating to well timed servicing of economic obligations and carries low credit score danger. Nonetheless, traders ought to perceive that IND A ranking is taken into account reasonable funding grade and never the best security class like AAA.
Credit score Ranking Development within the Final Few Years
| 12 months | Ranking Company | Ranking | Remarks |
|---|---|---|---|
| 2020 | Brickwork Rankings | BWR BBB+ / Secure | Assigned for NCD Situation XX |
| 2021 | Brickwork Rankings | BWR BBB+ / Secure | Assigned for NCD Situation XXII |
| 2021 | Brickwork Rankings | BWR BBB+ / Secure | Assigned for NCD Situation XXIII |
| 2022 | Brickwork Rankings | BWR BBB+ / Constructive | Assigned for NCD Situation XXIV |
| 2022 | India Rankings & Analysis | IND A- / Secure | Upgraded from BBB+ class |
| 2023 | India Rankings & Analysis | IND A- / Secure | Continued steady ranking |
| 2024 | India Rankings & Analysis | IND A- / Secure | Ranking reaffirmed |
| Dec 2024 | India Rankings & Analysis | IND A / Secure | Additional upgraded from A- to A |
| 2025 | India Rankings & Analysis | IND A / Secure | Ranking reaffirmed a number of instances |
| 2026 | India Rankings & Analysis | IND A / Secure | Present ranking for Could 2026 NCD concern |
Nonetheless, traders ought to be aware that gold mortgage NBFCs are uncovered to regulatory dangers, gold value fluctuations and aggressive pressures.
Objects of the Situation
The corporate proposes to make the most of the difficulty proceeds for the next functions:
- Onward lending actions
- Compensation of curiosity and principal of present borrowings
- Common company functions
Nearly all of funds are anticipated to help the corporate’s core gold mortgage lending enterprise.
Kosamattam Finance Monetary Efficiency
| Particulars (₹ Crores) | FY25 | FY24 | FY23 |
|---|---|---|---|
| Complete Property | 6,405.69 | 5,985.78 | 5,444.34 |
| Complete Earnings | 900.43 | 858.94 | 782.54 |
| Revenue After Tax | 127.06 | 113.70 | 107.05 |
| Internet Price | 1,062.84 | 927.57 | 763.99 |
The corporate has proven regular development in property, revenue and earnings over the past three monetary years.
Its web value has additionally improved constantly, indicating gradual strengthening of the steadiness sheet.
For the six months ended September 2025, the corporate reported complete revenue of ₹505.15 Crores and PAT of ₹80.60 Crores.
Why to Spend money on Kosamattam Finance NCD Could 2026?
- Enticing rates of interest as much as 10.47% efficient yield
- Secured NCDs offering comparatively higher security in comparison with unsecured devices
- Lengthy working historical past of greater than 37 years
- Robust presence in gold mortgage enterprise
- Constant monetary development lately
- Month-to-month revenue choices obtainable for normal money stream
- NCDs proposed to be listed on BSE
Why To not Spend money on Kosamattam Finance NCD?
- IND A ranking is reasonable and never highest security class
- Firm enterprise is closely concentrated in gold loans
- Gold mortgage enterprise faces intense competitors from massive NBFCs like Muthoot Finance and Manappuram Finance
- NBFC sector is uncovered to RBI regulatory adjustments
- Liquidity in NCD secondary market can generally be restricted
- Lengthy tenure choices could carry reinvestment and rate of interest dangers
- Learn full danger components at Kosamattam Finance NCD Could-26 prospectus.
How you can Apply for Kosamattam Finance NCD?
Buyers can apply for this NCD concern via the next strategies:
- By means of inventory brokers utilizing on-line buying and selling accounts
- By means of ASBA supported financial institution accounts
- By means of platforms like GoldenPi and Indiabonds
- By means of BSE Direct or NSE goBID platforms
Retail traders can apply on-line utilizing UPI for investments as much as ₹5 Lakhs.
Minimal funding quantity is ₹10,000.
Because the allotment is on First Come First Served foundation, traders planning to take a position ought to apply early.
Ought to You Spend money on Kosamattam Finance NCD Could 2026?
Kosamattam Finance NCD Could 2026 provides engaging rates of interest as much as 10.47% efficient yield, which is considerably increased than conventional financial institution mounted deposits.
The corporate has a protracted operational monitor file, steady monetary development and a powerful presence in gold mortgage financing. The secured nature of the NCDs additionally gives further consolation to traders.
Nonetheless, the difficulty carries reasonable credit score danger contemplating the IND A ranking. Buyers also needs to be aware the focus danger as the corporate’s enterprise is closely depending on gold loans.
Average danger traders on the lookout for increased mounted revenue returns can contemplate investing a restricted portion of their debt portfolio in these NCDs.
Conservative traders looking for highest security could want AAA rated bonds or financial institution mounted deposits as a substitute.
FAQs
What’s the rate of interest provided in Kosamattam Finance NCD Could 2026?
The problem provides efficient yields starting from 8.26% to 10.47% every year.
What’s the minimal funding quantity?
Minimal funding quantity is ₹10,000.
Are these NCDs secured?
Sure, these are secured redeemable non-convertible debentures.
What’s the credit standing of this NCD concern?
The problem is rated IND A / Secure by India Rankings & Analysis.
Can traders promote these NCDs earlier than maturity?
Sure, these NCDs can be listed on BSE and might be offered within the secondary market.
Is month-to-month curiosity payout obtainable?
Sure, choose sequence supply month-to-month curiosity payout choices.
Who can put money into these NCDs?
Retail traders, HNIs, establishments and non-institutional traders can make investments on this concern.
