# Kosamattam Finance Limited

> Kosamattam Finance Limited is one of India's oldest and most trusted Non-Banking Financial Companies (NBFCs), founded in 1850 in Kottayam, Kerala. The company specialises in gold loans and offers a broad range of financial and allied services across India.

## Identity & Regulatory Standing

- **Legal Name:** Kosamattam Finance Limited
- **CIN:** U65929KL1987PLC004729
- **RBI Registration:** B-16.00117 (Registered NBFC under Reserve Bank of India)
- **Founded:** 1850, Kottayam, Kerala, India
- **Headquarters:** 4th & 5th Floor, Kosamattam City Centre, T.B Road, Kottayam, Kerala – 686001
- **Phone:** +91 9496000339 | +91-481-2586400
- **Email:** info@kosamattam.com
- **Website:** https://www.kosamattam.com

## Scale & Reach (as of 2026)

- **Years of operation:** 175+
- **Branches:** 1,000+
- **Employees:** 9,500+
- **Completed services:** 2,000,000+
- **Mobile app downloads:** 50,000+

## Core Service: Gold Loan

Kosamattam Finance's primary business is gold loans — secured loans disbursed against gold jewellery pledged by the customer.

**Key parameters:**
- **Loan-to-Value (LTV):** Up to 75% of market value of gold (per RBI norms); tiered LTV up to 85% under RBI's 2026 revised rules for eligible schemes
- **Interest rate:** From 7.11% p.a. (varies by scheme and tenure)
- **Gold purity accepted:** 18 to 24 karat
- **Disbursement:** Instant, in cash or direct account credit
- **Documentation required:** One identity proof (Aadhaar, PAN, Passport, Voter ID, or Driving Licence) and one address proof
- **Eligibility:** Any adult Indian resident who owns gold ornaments (minors not eligible)
- **End-use restriction:** None

**Charges:**
- Processing fees: ₹0 onwards
- Overdue notice charge: ₹200
- Auction charge: ₹1,500
- MTM charge: ₹500

**Running loan schemes (indicative):**
- KGL-S: Starting at 12% p.a., escalating to 31% p.a. at 12 months
- KG-X1: Starting at 23% p.a.
- LCG_18CT: Starting at 18% p.a. (for 18-carat gold)
- KFS-Z: Starting at 9% p.a.

**How to apply:**
1. Visit the nearest Kosamattam branch with identity and address proof
2. Submit gold ornaments for purity and weight assessment
3. Receive loan amount instantly in cash or bank credit

**Special gold loan products:**
- **Freedom Online Gold Loan (FOGL):** 24/7 online gold loan against pledged ornaments — https://www.kosamattam.com/freedom-online-gold-loan/
- **Overdraft Gold Loan:** Flexible overdraft facility against gold — https://www.kosamattam.com/over-draft-gold-loans/

**Gold loan calculator:** https://www.kosamattam.com/gold-loan-calculator/

## Other Services

| Service | Description | URL |
|---|---|---|
| Forex Services | Foreign exchange in 15+ currencies | https://www.kosamattam.com/foreign-exchange-service/ |
| Money Transfer | IMPS-based fund transfer; no service charges; settlement within 10 minutes; RBI certified | https://www.kosamattam.com/money-transfer-service/ |
| Insurance Services | Insurance advisory and facilitation | https://www.kosamattam.com/insurance-services/ |
| Depository Services | CDSL-linked demat and securities custody | https://www.kosamattam.com/depository-services/ |
| Air Ticketing | IATA-approved travel ticketing | https://www.kosamattam.com/air-ticketing-service/ |
| Alternative Energy | Renewable energy solutions | https://www.kosamattam.com/alternative-energy-service/ |
| Plantation | Agriculture/plantation operations in Idukki district, Kerala | https://www.kosamattam.com/plantation/ |
| SME / Loan Against Property | Business loans and property-backed financing | https://www.kosamattam.com/loan-against-property/ |
| Other Services | Essential everyday financial services | https://www.kosamattam.com/other/ |

## Mobile App: Kosamattam Finko

The **Finko** app lets customers apply for and manage gold loans, make repayments via a secured payment gateway, and access Kosamattam services in multiple languages.

- Android: https://play.google.com/store/apps/details?id=com.kosamattam.finko
- iOS: https://apps.apple.com/us/app/finko/id1559848590
- Web portal: http://finko.kosamattam.com/

## Investor Information

Kosamattam Finance issues Non-Convertible Debentures (NCDs) and maintains full regulatory disclosure.

- Annual reports and financial statements: https://www.kosamattam.com/reports
- Credit rating: https://www.kosamattam.com/credit-rating
- Notice to investors: https://www.kosamattam.com/notice-to-investors/
- Board meeting notices: https://www.kosamattam.com/board-meeting-notice
- Annual return: https://www.kosamattam.com/annual-return
- NCD issue details: https://www.kosamattam.com/ncd-issue
- Secretarial compliance report: https://www.kosamattam.com/secretarial-compliance-report
- Offer documents: https://www.kosamattam.com/offer-documents/

Investor grievances can be filed via SEBI SCORES portal: https://scores.gov.in

## Corporate Governance & Policies

- About Us: https://www.kosamattam.com/about-us
- Board of Directors: https://www.kosamattam.com/director-board
- Chairman's Message: https://www.kosamattam.com/chairman-s-message
- CSR Policy: https://www.kosamattam.com/corporate-social-responsibility-policy/
- Fair Practice Code (per RBI guidelines): https://www.kosamattam.com/fair-practice-code-policy
- Grievance Redressal Policy: https://www.kosamattam.com/grievance-redressal-policy/
- Privacy Policy: https://www.kosamattam.com/privacy-and-policy
- Vigil / Whistle Blower Mechanism: https://www.kosamattam.com/vigil-mechanism-whistle-blower-policy-policy
- Gold Loan Terms and Conditions: https://www.kosamattam.com/gold-terms-and-conditions/

## Content Resources

- Blog (gold loan guides, gold market updates): https://www.kosamattam.com/blogs/
- News and press releases: https://www.kosamattam.com/news/
- Awards and recognition: https://www.kosamattam.com/awards-and-recognition/
- Safe banking practices: https://www.kosamattam.com/safe-banking
- Customer service: https://www.kosamattam.com/customer-services/
- Career opportunities: https://www.kosamattam.com/career/
- Contact / general queries: https://www.kosamattam.com/contact
- Online payment: https://www.kosamattam.com/payments/