Loan Restructuring Advisory

Step 01 — Register Your Case

Loan Restructuring &
Balance Transfer Advisory

India’s most trusted AI-assisted financial stress advisory. Register in 30 seconds. Lead ID generated instantly.

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Instant Registration — Your Lead ID is generated immediately. No waiting. No payment required to register.

Full Name *

Please enter your full name (minimum 2 characters)

Mobile Number *

Enter valid 10-digit number starting with 6–9

Email Address *

Enter a valid email address

Advisory Service Required *

Please select a service

I consent to KG Finvest contacting me via WhatsApp, SMS & Email. I understand this is a professional advisory service — not a loan approval or sourcing service.

Please accept to proceed

🔐 Encrypted · Zero Spam · Instant Lead ID

Step 02 — Financial Profile

Income & Monthly
Obligations

Foundation of your AI advisory. Used to calculate FOIR, surplus, and debt repayment capacity.

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Lead ID: — · All data is being auto-saved to your case.

Age *

City *

Employment Type *

Occupation / Designation

Monthly Income — Net Post-Tax Figures

Salary / Net Take-home ₹

Business / Professional Income ₹

Other Income ₹ (Rent/dividends)

Monthly Fixed Expenses ₹

Total Existing Monthly EMIs ₹ *

Family Obligations / Support ₹

Step 03 — Loan Portfolio

Existing Loans &
Credit Obligations

Add each loan, credit card, or EMI separately. Include all active and overdue accounts.

Overdue & Stress Indicators

Any loan currently overdue?

Total Overdue Amount ₹

Worst DPD (Days Past Due)

EMI Bounce History (last 6 months)

Step 04 — Credit History

CIBIL & Credit
Profile Assessment

Honest information enables the most accurate and realistic advisory. All data is strictly confidential.

CIBIL Score (Approximate)

Enter your score to see rating

Existing Defaults

Settled / Written-off Accounts

Legal / SARFAESI Notices

Recovery / Collection Calls

Credit Card Outstanding ₹

No. of Active Credit Cards

Describe Current Financial Stress (optional)

Step 05 — Asset Profile

Assets, Collateral &
LAP Feasibility

Assets open pathways to secured consolidation, LAP conversion, and lower interest restructuring that many borrowers miss.

Property Ownership

Property Market Value ₹

Gold Holdings (grams approx.)

FD / Investments ₹

Insurance Surrender Value ₹

Existing Collateral / Pledged Assets

LAP (Loan Against Property) Interest

Step 06 — Document Upload

Supporting Documents
for Advisory

Optional but strongly recommended. Even 2–3 documents significantly improve advisory accuracy. Max 5MB per file.

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All uploads are AES-256 encrypted and stored securely in Google Drive under your Lead ID folder. You may also email documents to docs@kgfinvest.com with your Lead ID.

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Aadhaar Card

PDF / JPG · Click to upload

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PAN Card

PDF / JPG · Click to upload

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Salary Slips (3 months)

PDF / JPG · Click to upload

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Bank Statements (6 months)

PDF / JPG · Click to upload

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Loan Account Statements

PDF / JPG · Click to upload

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CIBIL / Credit Report

PDF / JPG · Click to upload

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ITR (Last 2 years)

PDF · Click to upload

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GST Returns / Business Docs

PDF · Click to upload

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Property Documents

PDF / JPG · Click to upload

Step 07 — Professional Fees

Advisory Fee Selection

Select a plan based on your case complexity. KG Finvest provides AI-assisted restructuring advisory — not loan sourcing.

Tier 1 — Basic

AI Financial Stress Review

₹999 _onwards

AI report · FOIR analysis · Restructuring overview · Email delivery

Tier 2 — Detailed

Detailed Restructuring Report

₹2,499 _onwards

Full AI report · BT analysis · CIBIL strategy · Priority action plan

Tier 3 — Premium

Premium Assisted Advisory

₹4,999 _onwards

All above + expert advisor call · Bank approach · 30-day follow-up

Tier 4 — Business

Business / Complex Cases

Custom _pricing

SARFAESI defense · Business restructuring · Multi-property cases

⚠️ Important Disclosures — Read Before Proceeding

Fees are professional advisory charges only — not loan processing, sourcing, or approval fees
Loan approval, restructuring sanction, or EMI reduction is NOT guaranteed by KG Finvest
Final decisions rest entirely with the bank / NBFC based on their internal credit policies
Restructuring feasibility depends on verified repayment capacity and individual lender willingness
Balance transfer eligibility depends on CIBIL score, FOIR, and lender appetite at time of application
CIBIL improvement requires sustained disciplined repayment — not a quick-fix service
GST applicable as per prevailing government regulations
KG Finvest is a financial advisory firm — not a bank, NBFC, or RBI-regulated lending entity

I have read all disclosures. I confirm this is a professional advisory service and NOT a guaranteed loan approval, settlement, or placement service. I consent to the fees and terms above.

Please accept the advisory terms to proceed

Step 08 — Secure Payment

Pay via QR / UPI

Scan the QR code or use the UPI ID to pay. Submit your transaction ID on the next screen to activate your advisory.

Scan & Pay

₹2,499

Detailed Loan Restructuring Report

UPI ID: kgfinvest@upi

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PhonePe

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GPay

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Paytm

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BHIM

How to Pay

Open any UPI app on your phone (PhonePe / GPay / Paytm / BHIM)
Tap “Scan QR” or “Pay to Contact” and scan the code above
Enter the amount: ₹2,499
Complete the payment and note your Transaction ID
Click “I Have Paid” below to submit your transaction ID

Lead ID: —

Step 09 — Payment Verification

Confirm Your
Payment

Submit your Transaction ID and payment screenshot. Our team verifies within 2–4 business hours and activates your advisory.

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Payment verification takes 2–4 business hours on weekdays. You will receive a WhatsApp and email confirmation once verified.

Transaction ID / UTR Number *

Please enter your Transaction ID

Amount Paid ₹ *

Payment Screenshot (Strongly recommended)

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Tap to upload payment screenshot

JPG / PNG / PDF · Max 5MB

Payment App Used

I confirm that I have made the payment of ₹2,499 to KG Finvest and the Transaction ID entered above is correct.

Please confirm your payment

Step 10 — AI Advisory Report

Your Personalised
Advisory Report

AI-generated analysis based on your complete financial profile. Prepared by the KG Finvest Intelligence Engine.

🚨 HIGH FINANCIAL STRESS WARNING

Your profile indicates critical financial stress. Immediate advisory intervention is strongly recommended. Priority escalation has been triggered — our senior advisor will contact you within 24 hours.

LEAD ID

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GENERATED

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📋 Advisory Report Disclaimer

AI-generated from self-declared data — verify all figures against original documents
Bank / NBFC decisions may differ based on internal policies and verified documentation
This report does not guarantee any loan approval, BT, restructuring, or CIBIL improvement
CIBIL improvement timelines are indicative and depend on consistent repayment
KG Finvest is not a bank, NBFC, or RBI-regulated lender

Step 11 — Balance Transfer & Restructuring

Apply for BT Review &
Restructuring

Based on your AI Advisory Report, here are your balance transfer and restructuring eligibility indicators.

BT & Restructuring Eligibility

Based on your financial profile, here are indicative eligibility levels. Actual lender decisions depend on verified documentation.

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Your FOIR

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CIBIL Score

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Potential EMI Saving

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BT Probability

Apply for Formal BT / Restructuring Review

Preferred Option

Additional Notes / Special Requirements

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Important: This is an advisory application only. KG Finvest does not guarantee approval, restructuring, or any specific interest rate. Final decisions rest with the respective lender.

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www.kgfinvest.com · MFD, ARN 301473
IRDAI Licensed Insurance Advisor | URN: ABLI1701250261