Kosamattam Finance Ltd
Kosamattam Finance Ltd is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10%.
Data as of 20 Oct 2026
How this yield compares
About this bond
Kosamattam Finance Ltd is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 10%. It pays a coupon of 10% and matures on 29 Aug 2027, a remaining tenure of about 10 mo. It is rated A, an adequate credit-safety grade. Jiraaf lists this bond with a minimum investment of ₹1.0L.
Its 10% yield is well above the market average, sitting 183rd of 319 comparable Corporate bonds. That trails the Corporate median of 10.50% by 0.50 points, so the trade-off is lower yield for whatever else this issuer offers. Against a tenure-matched SBI fixed deposit (6.15%), it pays roughly 3.85 points more - a large gap that only makes sense once you are comfortable with the issuer's credit. Its short 10 mo horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its high safety (A) rating, that leans toward the safety-first end. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at Kosamattam Finance (INE403Q07FE2) at 10%, Kosamattam Finance (INE403Q07FN3) at 8.25% and Kosamattam Finance (INE403Q07GX0) at 10.2%.
About Kosamattam Finance
Kosamattam Finance Limited is a non-deposit-taking, systemically important NBFC registered with the RBI and headquartered in Kottayam, Kerala. Gold loans are its core business, accounting for roughly 96% of total income, alongside microfinance, money transfer and foreign currency exchange. As of 31 December 2025 it operated 981 branches across nine states and union territories, concentrated in South India.
Bond details
What you keep after tax
Interest on a listed corporate bond is added to your income and taxed at your slab, so the 10% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 10 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 10.00% | ₹1,08,508 |
| 5% slab | 9.50% | ₹1,08,085 |
| 20% slab | 8.00% | ₹1,06,816 |
| 30% slab | 7.00% | ₹1,05,968 |
At a 10% coupon, ₹1,00,000 of face value pays about ₹10,000 of interest a year, under the ₹10,000 Section 193 threshold, so no TDS is withheld.
Slab rates only - surcharge and cess are not included, and the figures assume you hold to maturity. Sold on the exchange after 12 months instead, the gain is taxed as long-term capital gains at 12.5%. Not tax advice.
Against a fixed deposit, in rupees
Same ₹1,00,000, same 0.9 years, one in this bond and one in a tenure-matched SBI fixed deposit at 6.15%.
Bond figure compounds the yield annually; the FD compounds quarterly, as a cumulative bank FD does. Both are pre-tax and assume the bond is held to maturity and the issuer pays in full - the A credit risk is the reason for the gap.
