What is the tenor of such loans?

There are different tenors for the gold loan you can avail from Kosamattam Finance. The tenor is decided by the lender and you have the option of choosing your repayment tenor.

What is the maximum and minimum loan amount that I can avail from Kosamattam Finance?

The minimum loan amount that you can avail is Rs.500 while the maximum loan amount you can avail is Rs.50 lakh. In case you wish to avail a loan above Rs.50 lakh, then you will have to get an approval from Head Office Credit department.

What should be done if the customer has died?

The nominee will have to settle the amount payable in case the customer has died and collect the gold loan after submitting the required documents including the death certificate. In case there is no nominee, then the legal heir can collect the loan after the submission of the required documents.

How can I pay my loan?

You can pay your loan either online or offline. If you wish to pay the loan online, then all you have to do is visit the official website of Kosamattam Finance and click on 'Gold Loan' under 'Services'. Click on 'Online Payment' and enter the AWB number. Check the details and the amount you will have to pay and choosing an appropriate mode of payment pay the amount.You can also visit the nearest branch of Kosamattam Finance and carry the required documents along with you. A representative from the lender will help you with the process of repaying your loan.

Can I pay the interest in other branches of Kosamattam Finance?

Yes, you can pay the interest by visiting any of the branches of Kosamattam Finance after you have paid the required charges.

Kosamattam Gold Loan

Kosamattam Finance is a Non-Banking Finance Company (NBFC) which offers various financial products to its customers including gold loan.

Updated On - 05 Sep 2025

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You can avail a gold loan at interesting interest rates and flexible repayment tenure. In order to avail a gold loan, you will have to offer gold ornament or jewelry as security or collateral.

Features of Availing a Gold Loan from Kosamattam Finance

Some of the features of availing a gold loan from Kosamattam Finance are given below:

Minimum documentation process is required and instant cash in few minutes
There will be an expert valuation of your gold so that you can avail the maximum loan amount
You can visit any of the branch of Kosamattam Finance in order to repay your loan
There are various modes of repayment available
Schemes are custom made
You will receive various reminders so that you can pay your EMIs on time

Why Should You Consider Applying for a Gold Loan from Kosamattam Finance?

Kosamattam finance is a company whose roots are firmly based in the rural and semi-urban areas; this is one of its main areas of operation. Based mainly on gold loans, Kosamattam boasts a wide range of customers such as small business entrepreneurs, farmers, retailers, etc., considering the attractive interest rate, paperwork, and cash immediately disbursed.

Gold loans at Kosamattam are processed immediately with very few paperwork, thus making it more convenient for everyone. An assurance for increased loan eligibility based on the value of clients' gold has been given to them. Branch executives process the valuation of gold in very minimal time. Loan disbursal is usually completed within few minutes. Kosamattam also provides timely reminders with regard to interest payments to customers.

All branches possess highly advanced security systems for protection against burglary and monitoring through CCTV, which is conducted on a 24/7 basis. Our branches are serviced by a well-balanced team of dynamic young professionals and experienced veterans; most of these veterans were former bankers.

Most importantly, Kosamattam is the industry leader in hassle-free documentation. Both gold ornaments against which we would give business and personal loans are gold ornament secured loans. Our customer care wing and a continuous focus on customer intimacy always keep us miles ahead of our competitors even at adverse times.

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Eligibility Criteria for Kosamattam Finance Gold Loan

Some of the eligibility criteria you will have to fulfil in order to avail a gold loan from Kosamattam Finance are given below:

You must own a gold ornament
You must be aged 18 years and above
The gold ornament must be in the range 18 karats and 24 karats

Documents you will have to submit

The list of documents you will have to submit in order to avail a gold loan from Kosamattam Finance is given below:

Proof of identity such as Aadhaar, PAN Card, Voter ID card, etc.
Proof of address such as Aadhaar, utility bills, etc.

Gold Schemes offered by Kosamattam Finance

KF-A1

Start Period (in years)	End Period (in years)	Interest Rate (%)	Annual Interest Rate (%)
0	3	16	16
3	5	4	20
5	7	4	24
7	9	5	29

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KF-A2

Start Period (in years)	End Period (in years)	Interest Rate (%)	Annual Interest Rate (%)
0	3	15	15
3	5	4	19
5	7	4	23
7	9	5	28

KS-A3

Start Period (in years)	End Period (in years)	Interest Rate (%)	Annual Interest Rate (%)
0	1	14	14
1	3	3	17
3	5	4	21
5	7	4	25
7	9	4	29

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KFS-A8

Start Period (in years)	End Period (in years)	Interest Rate (%)	Annual Interest Rate (%)
0	1	12	12
1	2	5	18
2	3	3	21
3	6	4	25
6	9	3	28
9	12	4	31

KFS-Z

Start Period (in years)	End Period (in years)	Interest Rate (%)	Annual Interest Rate (%)
0	1	9	9
1	2	4	13
2	3	4	17
3	6	6	23
6	9	6	29

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Gold Loan Charges for Kosamattam Finance

Type of Notice date Letter Type	Charge
Ordinary	10
Registered Letter	30
Registered Letter (with acknowledgement)	35
Anywhere Banking Charge (AWB) Per Instance	10
Token Charge (Gold loan Processing charge on closure)	10
Pawn ticket loss / Token loss	35

Stamp Duty

	Karnataka State	All other State
Pledge Value less than or equal to Rs.1 lakh	NIL	NIL
Pledge Value greater than Rs.1 lakh	0.1% of Pledge value	NIL

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FAQs on Kosamattam Gold Loan

What is the tenor of such loans?
There are different tenors for the gold loan you can avail from Kosamattam Finance. The tenor is decided by the lender and you have the option of choosing your repayment tenor.
What is the maximum and minimum loan amount that I can avail from Kosamattam Finance?
The minimum loan amount that you can avail is Rs.500 while the maximum loan amount you can avail is Rs.50 lakh. In case you wish to avail a loan above Rs.50 lakh, then you will have to get an approval from Head Office Credit department.
What should be done if the customer has died?
The nominee will have to settle the amount payable in case the customer has died and collect the gold loan after submitting the required documents including the death certificate. In case there is no nominee, then the legal heir can collect the loan after the submission of the required documents.
How can I pay my loan?
You can pay your loan either online or offline. If you wish to pay the loan online, then all you have to do is visit the official website of Kosamattam Finance and click on 'Gold Loan' under 'Services'. Click on 'Online Payment' and enter the AWB number. Check the details and the amount you will have to pay and choosing an appropriate mode of payment pay the amount.
You can also visit the nearest branch of Kosamattam Finance and carry the required documents along with you. A representative from the lender will help you with the process of repaying your loan.
Can I pay the interest in other branches of Kosamattam Finance?
Yes, you can pay the interest by visiting any of the branches of Kosamattam Finance after you have paid the required charges.

Important Personal Loan Pages

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