150+ Years Of Trusted, Transparent, And Accessible Gold Loans With Kosamattam Finance
Introduction To Kosamattam Finance Ltd.
Kosamattam Finance Ltd. (“KFL” or the “Company”) is a trusted Non-Banking Financial Company (NBFC – Middle Layer) that has built its name around gold loans. Headquartered in Kottayam, Kerala, the company is part of the well-known Kosamattam Group, a financial services group with a rich legacy dating back to 1927. The group ventured into the gold loan business in 1980 and since then has become a reliable partner for millions of customers who look for quick and secured credit.
While gold loans remain its core offering, KFL has expanded into other financial products such as Loan Against Property (LAP), Microfinance Loans, Business Loans, and Kisan Credit to support a wider range of borrowers. It also provides foreign exchange and money transfer services as an RBI-authorized money changer, helping individuals with currency exchange, SWIFT transfers, and foreign currency demand drafts. Backed by over four decades of experience in gold financing and the strength of a 175-year-old family-run enterprise, KFL has steadily grown into one of India’s leading gold loan NBFCs, known for its stability, strong asset quality, and customer-first approach.
Board Of Directors Of Kosamattam Finance Ltd.
Here is the list of Board of Directors of Kosamattam Finance Ltd. (KFL):
- Mathew K Cherian — Chairman & Managing Director
- Ms. Laila Mathew — Whole Time Director
- Mr. Davis George — Independent Director
- Mr. Sebastian Kurian — Independent Director
Source: Kosamattam Finance Ltd.1
Products Offered By Kosamattam Finance Ltd.
1. Gold Loans
This is Kosamattam’s core and most prominent product. Borrowers pledge gold jewellery as collateral and receive instant credit with minimal documentation. Gold loans are typically short-term (about 12 months), meant for people needing liquidity fast (for business, personal expenses, emergencies). Kosamattam ensures quick valuation of gold and prompt disbursement.
2. SME Loans & Loan Against Property (LAP)
Though gold loans dominate, Kosamattam also offers secured lending to small and medium enterprises, especially via Loan Against Property. LAP lets borrowers use residential or commercial property as security to get larger loans, used for business expansion, working capital, or other financial needs.
3. Forex / Foreign Exchange Services
As an RBI-authorized money changer, Kosamattam provides foreign currency exchange services. This includes buying/selling international currencies, remittances, foreign currency demand drafts. They offer competitive rates and authorized branch networks for ease.
4. Money Transfer Services
Kosamattam offers fast domestic (and some international) money transfer via IMPS/other transfer networks. Important features are low formalities, speed (transactions often within minutes), and a wide branch network so people can receive transfers conveniently.
5. Depository / Demat Services
They act as a Depository Participant (DP) with CDSL, allowing customers to open Demat accounts, convert physical securities to electronic form (dematerialisation), pledge/unpledge securities, rematerialize when needed, transmit or transfer securities. Advantages include safety (no risk of certificate loss), faster transfers, and easy portfolio tracking.
6. Insurance Advisory Services
Kosamattam provides advisory services to customers for insurance products. This includes life insurance, health and general insurance (e.g. health policies via partners such as Reliance, LIC, etc.), helping individuals and families safeguard themselves against unexpected events.
7. Other Value-Added & Everyday Convenience Services
Beyond financial loans and transfers, Kosamattam offers many everyday services to improve customer convenience: prepaid mobile and DTH recharges, utility bill payments (electricity, water, telephone), PAN card services, etc. These make branches one-stop shops for basic financial / daily tasks.
8. Digital Tools & Calculator Services
They also provide digital / online tools such as a Gold Loan Calculator that helps customers estimate how much loan they can receive based on their gold holdings. Minimal documentation and online payment facilities improve customer experience.
Source: Kosamattam Finance Ltd.2
Kosamattam Finance Ltd. Customer Care
For any queries or support, Kosamattam’s customer care team is here to help. You can reach them at +91-481-2586400 or email : info@kosamattam.com
150+ Years of Trusted, Transparent, and Accessible Gold Loans
With a legacy spanning over 150 years, Kosamattam Finance has established itself as a trusted name in gold loans. Their commitment to transparency ensures borrowers always know the terms, interest rates, and charges upfront, making the lending process simple and worry-free. Across India, individuals rely on Kosamattam for secure and dependable financial support when they need it most.
What truly sets Kosamattam apart is the combination of tradition and modern convenience. Alongside their widespread branch network, the Kosamattam FinKo app allows users to manage loans digitally, making the entire experience quick, accessible, and customer-friendly. By blending time-tested reliability with innovative solutions, Kosamattam Finance makes gold loans safe, convenient, and trustworthy for everyone.
Key Strengths Of Kosamattam Finance Ltd.
1. Deep Legacy & Group Backing
KFL is part of the long-standing Kosamattam Group, which traces its roots back to 1927. With decades of experience in financial services and gold financing, the company benefits from strong brand recognition and credibility in the market.
2. Large Franchise & Branch Network
KFL operates across a wide network of branches (especially in southern India), enabling it to reach many customers and scale its gold loan business effectively.
3. Strong Asset Quality & Risk Controls
Because gold loans are secured by jewellery (a relatively liquid asset), KFL manages credit risk better. It limits loan tenure (e.g. to 9 or 12 months) and begins auction processes quickly for non-payment, reducing losses.
4. Stable Profitability & Growth
KFL has delivered consistent profits and growth in its loan book over the years.
5. Access to Diversified Funding Sources
The company raises funds via multiple channels, including borrowings from many banks and issuing NCDs, helping it maintain liquidity and manage cost of funds.
6. Strong Credit Ratings & Financial Stability
KFL holds credit ratings that reflect its good track record, stable profitability, and robust systems. This helps in attracting investors to its debt securities.
Financial Snapshot Kosamattam Finance Ltd.
Source: Source: audited financials, credit rating reports
To arrange the capital, Kosamattam Finance Ltd. also offers corporate bonds. These opportunities from the company are secured and are rated by credit rating agencies. On Grip Invest, investors invested in CREDIT ‘A’ rated bonds of the company that offered fixed returns of up to 10.90%. To invest in similar, rated, regulated and secured fixed-income opportunities sign-up for Grip Invest today and start earning fixed returns:
References:
1. KFL, accessed from: https://www.kosamattam.com/director-board
2. KFL, accessed from: https://www.kosamattam.com/services
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