Kosamattam Finance Ltd NCD – Snapshot, Prospectus, Details

Company profile

Incorporated on November 22, 2013 in Kerala. The Company is Registered as a Non-Banking Financial Company  (NBFC) with the Reserve Bank of India under Section 45-IA. It is mainly offering gold loan business, lending money against the pledge of household Jewellary in the state of Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Delhi, Maharashtra, Gujarat and Telangana along with the Union Territory of Puducherry. It is also offering fee based ancillary services which includes money transfer services, foreign currency exchange and air ticketing services.

As on February 29, 2016 The firm operates via a network of 949 branches spread in the states of Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Delhi, Maharashtra, Gujarat and Telangana along with the Union Territory of Puducherry as per the record on February 29,2016 . It have approx 3,352 persons for the business operations.

Outlook of the Firm:-

  1. We are part of the Kosamattam Group which has a long operating history and a large customer base.
  2. Branch network across rural and semi-urban areas in South India
  3. Organized and efficient IT Infrastructure
  4. Effective risk management system including appraisal, internal audit and inspections.
  5. Experienced management team and skilled personnel

 NCD details

It is a Non Convertible Debentures offered through this Draft Prospectus to be listed on the BSE Limited (“BSE”). It  has got an ‘in-principle’ approval from the BSE Vide. BSE is the Designated Stock Exchange for the issue.

This NCD has been approved under the provisions of Securities and Exchange Board Of India (Issue and Listing of Debt Securities) regulations as on April 22,2016.

Objects Of The NCD

1) For the purpose of onward lending and for repayment of interest and principal of existing loans;

2) General corporate purposes;

Summary Of Issue:                      

Issue Open:- May 2, 2016 – May 31, 2016
Issue Type Fixed Price Issue NCD
Issue Size NCD’s of Rs. 1000
Issue Size in (Value) Rs. 250.00 Crore
Face Value Rs. 1000 Per NCD
Issue Price Rs. 1000 Per NCD
Market lots 10 NCD
Minimum lot 10 NCDs
Designated Stock Exchange BSE


NCDs have tenure of 400 days, 24 months, 36 months, 48 months and 78 months. Its coupon rates ranging from 9.75% to 11.15% giving yields ranging from 9.50% to 11.74% as per the option selected by the investors.

Promoters Of the Company

  1. Mr. Mathew K. Cherian :- He is 60 years old. He is the Chairman and Managing Director of our Company. He has over 36 years of experience in finance business.
  1. Ms. Laila Mathew: He is 58 years old. He is the Whole Time Director of our Company. She has 27 years of experience in finance business. She holds 2,63,987 Equity shares, which constitutes 19.12% shareholding in our Company.
  1. Ms. Jilu Saju Varghese: He is 34 years old. He is a Non-Executive Director. She holds a bachelor’s degree in Commerce from Mahatma Gandhi University, Kerala. She has joined our Company as a director in the year. She holds 2 Equity Shares in our Company.


Particulars For the year/Period ended (Rs. in Million)
Financial Year 31-Mar-15 31-Mar-14 31-Mar-13 31-Mar-12 31-Mar-11
Total Equity & Liabilities 192714.48 147902.50 132191.05 85224.36 48744.07
Total Assets 192714.48 147902.50 132191.05 85224.36 48744.07
Total Revenue 25754.43 26186.80 23579.87 16634.01 7481.50
Total Expenses 24775.96 22121.05 17133.78 9671.41 4427.22
Profit After Tax (PAT) 528.15 2644.64 3928.15 3861.52 2005.93


Lead Manager Details


607/608 Marathon Icon, Opp. Peninsula Corporate Park, Off. Ganpatrao Kadam Marg,

Veer Santaji Lane, Lower Parel, Mumbai- 400013, Maharashtra, India

Tel.: +91 22 6666 8040, Fax: +91 22 6666 8047

Email: kfl@vivro.net

Investor Grievance Email: investors@vivro.net

Website: www.vivro.net

Contact Person: Mr. Harish Patel/Ms Mili Khamar

Compliance Officer: Mr. Jayesh Vithlani

SEBI Registration No.: INM000010122

CIN: U67120GJ1996PTC029182


The IL&FS Financial Center, Plot No. C – 22, G Block,

Bandra Kurla Complex, Bandra (East), Mumbai – 400051

Tel: +91 22 2659 3333, Fax: +91 22 2653 3297

Email: itclcomplianceofficer@ilfsindia.com

Website: www.itclindia.com

Investor Grievance Email: investorgrievancesitcl@ilfsindia.com

Contact Person: Mr. Narendra Joshi

SEBI Registration Number: IND000000452

Registrar To The Issue:-

Karvy Computershare Private Limited

Karvy Selenium Tower B, Plot 31-32, Gachibowli,

Financial District, Nanakramguda, Hyderabad – 500 032,

Tel: +91 40 6716 2222; Fax: +91 40 2343 1551

Email: einward.ris@karvy.com

Investor Grievance Email: kosammattam.ncdipo8@karvy.com

Website: www.karisma.karvy.com

Contact Person: Mr. M Murali Krishna

Compliance Officer: Mr. Rakesh Santhalia

SEBI Registration Number: INR000000221

CIN: U74140TG2003PTC041636

Registered Office Details:-

Kosamattam Mathew K Cherian Building, M. L. Road,

Market Junction, Kottayam- 686001,  Kerala, India;

 Tel.:+91 481 258 6400;  Fax: +91 481-2586500;

Website: www.kosamattam.com

Compliance Officer and Contact Person: Mr. Sreenath P.

Tel.:+91 481 258 6400;

Fax: +91 481 258 6500;

 E-mail: cs@kosamattam.com.

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