About Us

Kosamattam Finance
Kosamattam Finance

Chacko Varky


Let us strive to differentiate ourselves through customer-centricity, innovation, entrepreneurship, trustworthiness and values-driven operation, while balancing not only one’s interest but taking in to account the interests of our Customers, employees and civil society.

The Kosamattam name has been respected for more than 150 years for its adherence to strong values and the group has always believed in returning wealth to the society it serves. Anchored in values and strong ethics, Kosamattam Group is building businesses that will achieve growth through excellence and innovation while balancing the interests of its customers, employees and civil society. Based on the performance of all Kosamattam group companies over the years, Kosamattam brand has come to stand for not only ‘Trust’ but quality, business leadership, the highest ethical standards and respect for all its customers.

Kosamattam Finance

Fairness and responding to customers

We are planning to expand our industry –leading clarity commitment statements, eliminating hidden charges for all our loans and introducing easy to read loan agreements were just initial steps toward uploading this commitment. We will continue working to better understand what customers want and need and translate that into solutions to help them manage their financial decisions.

Lending to small and medium sized Businesses

Credit for small and medium-sized businesses is very critical for the Indian economy. We are at the forefront of helping small and medium sized businesses to position themselves for growth we’re increasing our lending to small and medium sized businesses and extending credit through other innovative approaches such as Loan over-draft schemes and online payment facilities.

Affordable Mortgage and Home lending

Buying a home is still the biggest investment most people will ever make. We recognize our role to provide affordable home loan products, transparent resources to help customers understand how these work and expertise to provide one to one guidance through the process for their personal situation. Our experiences mortgage loan specialists are ready to help clients find a loan they can comfortably afford. They have access to variety of loan options to serve you – Whether you are a first time homebuyer, a buyer with modest income, an experienced homebuyer, or an affluent buyer with complex financial needs. Our teammates connect with you to make loan process more clear and straightforward. Kosamattam Finance loan specialist will walk through your loan options, and provide competitive rates and tailored guidance to your unique situation.

Regulatory Reform

We were early supporters of comprehensive regulatory reform. We support many of the steps that have been taken to better protect customers in the loan sector.

Investing in the Environment

Environmental sustainability continues to be an issue of critical importance to us and those we serve. We recognize our responsibility to take action to reduce our environmental footprint, while having an opportunity to use our business resources to enable our clients, customers and employees to reduce their own environmental impacts. A limited number of our offices run by setting off our electricity charges with those generated form our wind-mill project thus contributing to conserve the environment in what-ever ways we can. We are expanding the scope of our work to correspond with the expansion of environmental opportunities across almost all business sectors.

Our Mission


We believe that the best outcomes are achieved when people work together across the entire company. We believe great teams are built on mutual trust, shared ownership and accountability. We act as one company and believe when we work together, we best meet the full needs of our customers.

Customer is King

We believe in the importance of treating each customer, client and teammate as an individual and treating every moment as one that matters. We strive to go the distance to deliver, with discipline and passion. We believe in connecting with people person to person, with empathy and understanding. We believe that every time we serve our customer, we are building a strong business foundation of trust.


We believe integrity and the disciplined management of risk form the foundation of our business. We are aware that our decisions and actions affect people’s lives every day. We believe in making decisions that are clear, fair and grounded in the principles of shared success, responsible citizenship and community building.

Power of our people

We strive to help our employees reach their full potential. We believe that diverse backgrounds and experiences make us stronger. We respect every individual and value our differences – in thought, style, culture, ethnicity and experience.

Path to Success

Credibility, Reliability and Trust are the motto's that Kosamattam was built on. Like the stars that form, the straight line on Orion's Belt, on a clear night sky, we have and will always be there with a clear insight and straightness that will fulfill your every need. The burning need to evolve and the varied needs of the people always keeps us à la mode and on the move for progress.

Our Vision

Be the most admired, conglomerate touching the lives of every global citizen while enriching all stake holders

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