It is with great pleasure and enthusiasm that I address you as the Chairman of Kosamattam Finance Ltd, a leading NBFC in Gold Loans. We have over the span of last _30_ years, built a high reputation aof being a reliable and trustworthy source for credit by way of Gold Loans and every day we strive hard to continue and uphold the standards and benchmarks we have created while exceeding the expectations of our customers. I understand well, the challenges in today’s highly competitive and dynamic Gold Loan business environment, but I firmly believe that with the right mindset, attitude and hard work, we can overcome any obstacles that comes our way. I also strongly believe in embracing innovation and exceeding the expectations of our customers.
Kosamattam Finance is a pioneer in Gold loan industry who introduced ‘online Gold loan services’ which offer rapid , secure and hassle free Gold loan services from the comfort of your home or office ensuring superior customer experience. These services have revamped the dynamics of conventional brick and mortar branches having manual processes towards automated digital gold loan through ‘Finko smart mobile application and digital lobbies.
Despite operating in a much challenging macroeconomic scenario, Gold loan growth trajectory remained noteworthy in 2025 as asset footing reflected a strong growth of close to 10%. This was mainly attributable to the significant increase in tailor made gold loan schemes made available to the customers all across our branches.
Keeping track of the fast paced, dynamic and a highly competitive Gold loan market, KFL technology platforms and digital solutions are being upgraded on a continuous basis to enhance customer experiences and improve operational efficiencies. Fostering secure financial system with digital inclusiveness is of paramount importance, significant investments are being carried out in cloud infrastructures and sustainable computing capabilities to expand adoption of artificial intelligence and strengthening of cybersecurity.
KFL’s distinctive initiative for nurturing sustainable long-term future and its intrinsic role in building greener economy like generating electricity through wind mills and to instill the culture of green energy, various inhouse initiatives have been undertaken which include green advisory services, tree plantation campaign, workflow automation system and end to end system automation to promote paper less culture.
KFL as a socially responsible citizen reinforces its commitment towards corporate social responsibility which is a core part of the company’s vision, creating an inclusive work environment encompassing gender diversity and multi cultural workforce, serving community during adversities and natural calamities, augmenting customer experience and promoting best business practices have been areas of key focus.
On behalf of the Board of directors, I would like to extend my gratitude to the regulatory bodies for their continuous guidance and support. Finally, I would like to pay my gratitude to Kosamattam Finnace’s entire team spreading all across India for their strenuous efforts and contribution in building a robust and technology driven Gold Loan company.
