Kosamattam Finance Limited

Issue Size (Net)

upto Rs. 200 Crore

Credit Ratings

IND A-/Stable by India Ratings & Research Private Limited (IRRPL).

Issue Opening Date

November 25, 2024

Issue Closing Date

December 6, 2024

ROI Chart Term Sheet Company Highlights Financials Highlights Prospectus

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI	VII	VIII
Frequency of Interest Payment	Cumulative	Monthly	Cumulative	Monthly	Cumulative	Monthly	Cumulative	Cumulative
Nature	Secured	Secured	Secured	Secured	Secured	Secured	Secured	Secured
Tenor	18 Months	24 Months	30 Months	36 Months	39 Months	60 Months	48 Months	84 Months
Coupon (% per Annum)	NA	9.25%	NA	10.00%	NA	10.25%	NA	NA
Effective Yield (% per Annum)	9.00%	9.65%	9.41%	10.47%	9.75%	10.75%	10.67%	10.41%
Amount on Maturity (In Rs.)	Rs 1,138.00	Rs.1,000	Rs 1,252.00	Rs.1,000	Rs.1,353	Rs.1,000	Rs.1,500	Rs.2,000

1.Company Information

Kosamattam Finance Limited is a non-deposit-taking NBFC primarily engaged in the business of gold loans. The company is part of the Kosamattam Group, which is headed by Mathew K. Cherian. The head office of the company is located in Kottayam in the state of Kerala. Kosamattam Finance provides loans against pledge of household ornaments to businessmen, vendors, traders, farmers, employees, and families in Kerala, Karnataka, Tamil Nadu, Andhra Pradesh, Maharashtra, Delhi, Gujarat and Telangana and the Union Territory of Puducherry. In addition to the gold loan, it also offers fee-based additional services such as microfinance, money transfer services, power generation, foreign currency exchange, agriculture, and air ticketing services. As of March 31, 2024, the company had 986 branches in Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Delhi, Maharashtra, Gujarat, Uttar Pradesh, Telangana and the Union Territory of Puducherry and employed over 3842 people.

2. Objects of the Issue (Kosamattam Finance NCD November 2024 Objectives)

The company intends to utilize the net proceeds from the issue towards the funding of the following objects:
1. For onward lending.
2. For repayment of interest and principal of existing company debts.
3. For general corporate purposes.

3.Kosamattam Finance NCD November 2024 Registrar

Kfin Technologies Limited

KFintech, Tower-B, Plot No 31 & 32,

Financial District, Nanakramguda, Gachibowli,

Hyderabad, Telangana India - 500 032.

Phone: 04067162222, 04079611000

Email: kosamattam.ncdipo24@kfintech.com

Website: https://kosmic.kfintech.com/ipostatus/

Kosamattam Finance NCD November 2024 Information (Restated)

Period Ended	Total Assets	Total Revenue	Profit After Tax
31-Mar-24	5,987.98	858.94	113.7
31-Mar-23	5,444.34	782.54	107.05
31-Mar-22	4,568.49	6,247.49	80
Amount in Rs. Cr

Issuer	Kosamattam Finance Limited
Instrument	Secured, Redeemable, Non-Convertible Debentures (Secured NCDs)
Issue Opens on	November 25, 2024
Issue Closes on	December 6, 2024
Issue Size	Rs. 100 Crore
Issue Price / Face Value	Rs 1000 per NCD
Minimum Application	10 NCD
Credit Rating	IND A-/Stable by India Ratings & Research Private Limited (IRRPL).
Registrar	Kfin Technologies Limited
Listing	BSE
Category	I - Institutional	II - Non-Institutional	III -HNI	IV-Retail Individual Investor
Category Allocation	10%	10%	30%	50%
Put/Call Option	NA
Mode of Allotment	Compulsorily in dematerialized form.
Allotment	First Come First Serve Basis
Depositories	NSDL and CDSL

Specific Terms for Each Series of NCDs
Series	I	II	III	IV	V	VI	VII	VIII
Frequency of Interest Payment	Cumulative	Monthly	Cumulative	Monthly	Cumulative	Monthly	Cumulative	Cumulative
Nature	Secured	Secured	Secured	Secured	Secured	Secured	Secured	Secured
Tenor	18 Months	24 Months	30 Months	36 Months	39 Months	60 Months	48 Months	84 Months
Coupon (% per Annum)	NA	9.25%	NA	10.00%	NA	10.25%	NA	NA
Effective Yield (% per Annum)	9.00%	9.65%	9.41%	10.47%	9.75%	10.75%	10.67%	10.41%
Amount on Maturity (In Rs.)	Rs 1,138.00	Rs.1,000	Rs 1,252	Rs.1,000	Rs.1,353	Rs.1,000	Rs.1,500	Rs.2,000

Prospectus File

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