About Kosamattam Finance Limited
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Kosamattam Finance Limited is a public limited company based in Kottayam, Kerala, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 25 March 1987 and has been in existence for over 39 years.
The company is registered with the Registrar of Companies (ROC), Ernakulam, under CIN U65929KL1987PLC004729. Its GSTIN is 32AACCK4277A2ZZ (Kerala). The company holds 13 GST registrations, of which 11 are active.
The company has an authorised share capital of ₹550 Cr and a paid-up capital of ₹230.65 Cr. It was formerly known as Standard Shares and Loans Private Limited and Kosamattam Finance Private Limited. It is led by directors including Mathew Kosamattom Cherian (Managing Director) and Laila Mathew (Whole-Time Director).
Its last annual general meeting (AGM) was held on 04 September 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Kosamattam City Centre Floor Number 4th &5th T.B Road Kottayam Kerala – 686001, Kerala, India – 686001.
As per the financials filed for FY 2026, the company reported a revenue of ₹1,128.82 Cr, a growth of 25% compared to the previous year. For the same year it recorded a net profit of ₹184.74 Cr (net margin 16.4%) and EBITDA of ₹917.66 Cr (EBITDA margin 81.3%). Revenue has grown at a compounded annual rate (CAGR) of 13% over three years and 16% over five years.
The company has about 2,555 employees on its provident fund (EPFO) records.
The company is associated with 1 brand: Kosamattam Finance. As per MCA filings, the company has open charges of ₹10,486 Cr and satisfied charges of ₹17,573 Cr on record. Court records list 159 cases involving the company, including 100 filed by the company and 59 filed against it; 32 cases are pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website kosamattam.com.
Company details
Name history
Kosamattam Finance has undergone 2 name changes throughout its history. The company was previously known as Standard Shares And Loans Private Limited, and Kosamattam Finance Private Limited. The current legal name is Kosamattam Finance Limited.
| Company Name | Status |
|---|---|
| Kosamattam Finance Limited | Current |
| Standard Shares And Loans Private Limited | Previous |
| Kosamattam Finance Private Limited | Previous |
CIN history
Kosamattam Finance has one previous CIN (Corporate Identification Number): U65929KL1987PTC004729. The current CIN is U65929KL1987PLC004729, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| U65929KL1987PLC004729 | Current |
| U65929KL1987PTC004729 | Previous |
Contact details
Kosamattam Finance Limited's registered office is in Kottayam, Kerala. Its website is kosamattam.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Registered AddressKosamattam City Centre Floor Number 4th &5th T.B Road Kottayam Kerala – 686001, Kerala, India – 686001
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of Kosamattam Finance Limited, buy the company report.
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
Brands
Kosamattam Finance operates one associated brand: Kosamattam Finance. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Offers gold loans, forex services, money transfers, and lending in India. | kosamattam.com |
Business activity
The main business activities of Kosamattam Finance are financial and insurance service, electricity, gas, steam and air condition supply and agriculture, forestry, fishing. In detail, this covers other financial activities, electric power generation, transmission and distribution and support activities to agriculture and other activities including hunting. 3 activity segments are registered with the MCA.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities | |
| D | Electricity, gas, steam and air condition supply | D1 | Electric power generation, transmission and distribution | |
| A | Agriculture, forestry, fishing | A4 | Support activities to agriculture and Other Activities including hunting | |
| K | Financial and insurance Service | K3 | Life/Non-life Insurance and Reinsurance activities |
To see the full business activity and turnover split of Kosamattam Finance Limited, buy the company report.
Financials of Kosamattam Finance Limited
FY 2026 filings availableKosamattam Finance Limited reported revenue of ₹1,128.82 Cr (up 25% YoY) for FY 2026.
Compounded Annual Growth Rate (CAGR)
Revenue has grown at a compounded annual rate (CAGR) of 16% over five years, including 25% growth in the latest year. EBITDA rose 24% in the latest year. Three- and five-year figures are compounded annual growth rates (CAGR): the steady yearly rate that links the first and the last year. All are worked out from the filed statements.
Financial Statement Summary
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|---|
| Profit and Loss Statement | |||||
| Revenue from Operations | ₹1,128.82 Cr | ||||
| Other Income | |||||
| Total Revenue | |||||
| Cost of Materials Consumed | |||||
| Employee Benefit Expense | |||||
| Finance Costs | |||||
| Depreciation and Amortisation | |||||
| Other Expenses | |||||
| Total Expenses | |||||
| EBITDA | ₹917.66 Cr | ||||
| Profit Before Tax | |||||
| Tax Expense | |||||
| Net Profit (PAT) | ₹184.74 Cr | ||||
| Balance Sheet | |||||
| Share Capital | |||||
| Reserves and Surplus | |||||
| Net Worth (Total Equity) | |||||
| Long-term Borrowings | |||||
| Short-term Borrowings | |||||
| Trade Payables | |||||
| Total Liabilities | |||||
| Fixed Assets | |||||
| Investments | |||||
| Inventories | |||||
| Trade Receivables | |||||
| Cash and Bank Balance | |||||
| Total Assets | |||||
Financial Ratios
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|---|
| Profitability | |||||
| EBITDA Margin | 81.3% | ||||
| Net Profit Margin | 16.4% | ||||
| Return on Equity (ROE) | |||||
| Return on Capital Employed (ROCE) | |||||
| Return on Assets (ROA) | |||||
| Liquidity and Debt | |||||
| Current Ratio | |||||
| Quick Ratio | |||||
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| Interest Coverage Ratio | |||||
| Efficiency and Growth | |||||
| Asset Turnover | |||||
| Receivable Days | |||||
| Payable Days | |||||
| Inventory Days | |||||
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| Net Profit Growth | |||||
To see the full financial statements and ratios of Kosamattam Finance Limited, buy the company report.
Board of directors of Kosamattam Finance Limited
Kosamattam Finance has 5 current directors and 8 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Laila Mathew Also directs: Kosamattam Traders LLP, Kosamattam Ventures Private Limited | Whole-Time Director | 11 Jun 2004 | 22 Years 4 Months | Current |
| Mathew Kosamattom Cherian Also directs: Kosamattam Traders LLP, Kosamattam Ventures Private Limited | Managing Director | 11 Jun 2004 | 22 Years 4 Months | Current |
| Sebastian Kurian | Director Appointed In Casual Vacancy | 14 Dec 2021 | 4 Years 10 Months | Current |
| Davis George | Director | 22 Mar 2025 | 1 Years 7 Months | Current |
| Josy Thomas | Director | 19 Aug 2024 | 2 Years 2 Months | Current |
Peer comparison
Kosamattam Finance Limited is compared with the 4 companies closest to it by revenue in the BFSI industry (Finance, Large NBFC, NBFC Investment and Credit Companies), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| Kosamattam Finance Limitedthis company | ₹1,128.82 Cr (FY 2026) | ₹184.74 Cr | 16.4% | 25.0% | 2,555 | Kottayam, Kerala, India |
| Ikf Finance Limited | ₹872.95 Cr (FY 2025) | 49.0% | Vijayawada, Andhra Pradesh, India | |||
| Lendingkart Finance Limited | ₹866.99 Cr (FY 2025) | -24.0% | Mumbai, Maharashtra, India | |||
| Branch International Financial Services Private Limited | ₹831.55 Cr (FY 2025) | 137.0% | Mumbai, Maharashtra, India | |||
| Placid Limited | ₹827.46 Cr (FY 2024) | 28.0% | Kolkata, West Bengal, India |
To see the full peer comparison of Kosamattam Finance Limited, buy the company report.
Auditor
Kosamattam Finance Limited is audited by Vishnu Rajendran& Co. for the financial year 2018.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Vishnu Rajendran& Co. | FY 2018 | 004741S |
Shareholding
The shareholding of Kosamattam Finance Limited is on record for 5 financial years, the latest being FY 2023, split between promoters, domestic institutions, foreign institutions, public shareholders and others.
| Shareholder category | FY 2023 | FY 2022 | FY 2021 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|
| Promoters | |||||
| Domestic institutional investors (DII) | |||||
| Foreign institutional investors (FII) | |||||
| Public | |||||
| Others |
To see the full shareholding pattern of Kosamattam Finance Limited, buy the company report.
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 25 Sep 2026 | 101400510 | Others | ₹65 Cr | Open | |
| 18 Sep 2026 | 101398428 | Others | ₹50 Cr | Open | |
| 17 Sep 2026 | 101404123 | Others | ₹50 Cr | Open | |
| 03 Sep 2026 | 101387233 | Others | ₹200 Cr | Open | |
| 14 Aug 2026 | 101368897 | Others | ₹70 Cr | Open |
To see the full charge records of Kosamattam Finance Limited, buy the company report.
Total charge records: 264 View all charges
Legal cases
Kosamattam Finance Limited has 159 court cases on record: 100 filed by Kosamattam Finance, 59 filed against it. 32 cases are pending and 127 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 80 | 24 | 14 |
| High courts | 65 | 21 | 15 |
| NCLT | 6 | 6 | 0 |
| NCLAT | 5 | 5 | 0 |
| Supreme Court | 3 | 3 | 3 |
Cases on record (5 of 159)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Kottayam, Kerala | Civil suit | Filed by the company against Eastindia Broadcasting Pvt Ltd and 1 other | Pending |
| High Court of Karnataka | Writ petition | Filed by the company against M/S KLM Axiva Finvest Ltd and 1 other | Pending |
| High Court | Writ petition | Filed against the company by M/S KLM Axiva Finvest Ltd | Disposed |
| High Court | Writ petition | Filed by the company against Kerala State Electricity Board Limited and 7 others | Disposed |
| NCLT, Kochi | Insolvency matter | Filed against the company by Mangomeadows Agricultural Pleasure Landprivate Limited | Disposed |
To see the full case history of Kosamattam Finance Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
Credit ratings & regulatory alerts
Kosamattam Finance Limited was last rated by Indiarating on 17 Feb 2023.
| Rating agency | Rated on | Rating |
|---|---|---|
| Indiarating | 17 Feb 2023 |
To see the full credit ratings and regulatory alerts of Kosamattam Finance Limited, buy the company report.
MSME payment delays
No delayed payments to MSME suppliers are on our record for Kosamattam Finance Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
Kosamattam Finance Limited has a workforce of 2,555 employees on its EPFO records as of Oct 07, 2025, across 16 active EPFO establishments.
GST
Kosamattam Finance has 13 GST registrations: 11 active and 2 cancelled or inactive. The first 4 active GSTINs are listed below.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 32AACCK4277A2ZZ | Kerala | Active | 01 Jul 2017 |
| 32AACCK4277A3ZY | Kerala | Active | 06 Jul 2018 |
| 07AACCK4277A1ZT | Delhi | Active | 01 Jul 2017 |
| 29AACCK4277A1ZN | Karnataka | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of Kosamattam Finance Limited, buy the company report.
Recent activity
Kosamattam Finance Limited has 13 board changes on record since 2004: 6 appointments and 7 cessations. The latest: Paul Jose Maliakal ceased to be Director Appointed In Casual Vacancy on 23 Mar 2025.
481 earlier events are in the company report.
News
Frequently asked questions
Kosamattam Finance is an active public limited company based in Kottayam, Kerala, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 25 March 1987 (39+ years old) and is registered under CIN U65929KL1987PLC004729.
Kosamattam Finance has 5 current directors:
- Mathew Kosamattom Cherian - Managing Director
- Laila Mathew - Whole-Time Director
- Sebastian Kurian - Director Appointed In Casual Vacancy
- Davis George - Director
- Josy Thomas - Director
The latest financial statements of Kosamattam Finance on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 04 September 2026. Year-wise statements from 2015 are in the company report.
The GSTIN of Kosamattam Finance is 32AACCK4277A2ZZ, registered in Kerala. The company has 13 GST registrations in all, of which 11 are active and 2 are cancelled or inactive. Other active GSTINs include 32AACCK4277A3ZY (Kerala), 07AACCK4277A1ZT (Delhi), 29AACCK4277A1ZN (Karnataka).
The CIN (Corporate Identification Number) of Kosamattam Finance is U65929KL1987PLC004729. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Kosamattam Finance has 159 court cases on record: 100 filed by the company and 59 filed against it. 32 are pending. Most are in the district courts.
Kosamattam Finance was incorporated on 25 March 1987, making it 39+ years old. It is registered with the Registrar of Companies, Ernakulam.
The peers of Kosamattam Finance by revenue are Ikf Finance Limited, Lendingkart Finance Limited, Branch International Financial Services Private Limited, Placid Limited, all in the BFSI industry (Finance, Large NBFC, NBFC Investment and Credit Companies), with the same principal business activity (other financial activities).
Paul Jose Maliakal ceased to be Director Appointed In Casual Vacancy on 23 Mar 2025. Davis George was appointed as Director on 22 Mar 2025. Josy Thomas was appointed as Director on 19 Aug 2024. Kosamattam Finance has 13 board changes on record in total.
Kosamattam Finance can be reached through the website kosamattam.com. Its registered office is in Kottayam, Kerala, India.
The registered office of Kosamattam Finance is at Kosamattam City Centre Floor Number 4th &5th T.B Road Kottayam Kerala – 686001, Kerala, India – 686001.
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