KG
KG Finvest
AI Loan Intelligence Engine
AI-Powered Platform
Smart Loans,
Smarter Decisions
India’s premium AI loan advisory CRM. From KYC to approval, every step powered by intelligent analysis and real-time risk scoring.
₹50Cr+
Disbursed
2,400+
Approvals
35+
Bank Partners
98%
Accuracy
Live AI Score
78
/ 100
4-Step Application
Apply for Your Dream Loan
Start in 30 seconds — just your name, number & loan need. Our AI guides you through the rest.
⚡
Takes under 30 seconds. Just the basics — our advisor calls you to complete the rest.
Your legal name exactly as on ID proof
We’ll send your Application ID to this number
₹
₹
🏠 Home Loan
🏢 Mortgage
💳 Personal Loan
💼 Business Loan
🏗️ LAP
🚗 Car Loan
📊 OD / CC
🔄 Balance Transfer
Auto Lead ID
🔒 SSL Secured
🛡️ Aadhaar Masked
📵 No OTP Required
🤝 Free Advisory
✅ ARN 301473
✅
Quick Start saved. Now complete your KYC for accurate AI eligibility analysis.
👤 Personal Details
10-character alphanumeric PAN
Stored masked — only last 4 digits visible
💰 Financial & Employment Details
₹
₹
📋
KYC saved. Upload documents now for a faster, more accurate AI analysis. You can skip and upload later too.
Drag & drop files here or click to browse
PDF, JPG, PNG — Max 10MB per file · Auto-classified by AI
0 / 13 selected
📋 Aadhaar
🪪 PAN
💰 Salary Slips
🏦 Bank Statements
📄 Form 16
🧾 GST Returns
📊 ITR
🏢 Business Proof
🏠 Property Docs
📜 Loan Statement
🏘️ Rental Income
📈 Balance Sheet
📉 P&L Statement
📌 Recommended for your loan type: Aadhaar, PAN, 3 months Salary Slips, 6 months Bank Statements, Form 16 / ITR (last 2 years). Property documents required for Home Loan & LAP.
AI Analysis Complete
Your Loan Eligibility Report
Estimated results based on your inputs. Final approval is subject to bank verification.
Eligibility
₹42.5L
Estimated Amount
FOIR Ratio
38%
Fixed Obligation Ratio
Approval Score
82 / 100
AI Probability
Risk Level
Low Risk
Profile Assessment
EMI Estimate
₹38,400
Approx monthly EMI
Best Match
HDFC Bank
Top Suggested Lender
HDFC Bank
From 8.50% p.a.
✅ Best Match
SBI
From 8.40% p.a.
✅ Good Match
ICICI Bank
From 8.75% p.a.
✅ Good Match
Axis Bank
From 8.90% p.a.
🔵 Possible
Kotak
From 9.00% p.a.
🔵 Possible
LIC Housing
From 8.65% p.a.
✅ Good Match
🤖 AI Recommendation
Your profile shows strong income stability with a healthy FOIR. We recommend applying to HDFC or SBI simultaneously for best approval chances. Ensure Form 16 and 6-month bank statements are uploaded for faster processing.
AI Intelligence
Powered by AI Analysis Engine
Our proprietary AI reviews 50+ data points to give you the most accurate loan eligibility assessment available.
What the AI Analyses
→ Salary & income consistency
→ Bank statement trends & patterns
→ GST turnover & business cashflow
→ FOIR & existing EMI burden
→ ITR trends (3 years)
→ Banking habits & bounce history
→ Loan repayment behavior
→ Fraud pattern detection
AI Report Sections
📋 Loan Eligibility Report — Estimated loan amount & eligibility
💰 Income Analysis — Salary, ITR & income stability score
🏦 Banking Analysis — Bounce rate, balance & habits
📊 FOIR Calculation — Fixed obligation ratio breakdown
⚠️ Risk Assessment — Risk grade + fraud flag detection
🏢 Suggested Banks — Best lender matches with rates
Platform Features
Everything You Need in One Platform
Secure KYC
PAN validation, masked Aadhaar display, and encrypted data storage. All customer data is protected end to end.
Smart Document Upload
Drag & drop multi-file uploader with OCR-ready processing, duplicate detection, and Google Drive auto-storage.
AI Loan Engine
Claude AI-powered eligibility scoring, bank matching, FOIR analysis, and risk profiling in seconds.
Google Sheets CRM
Every lead synced to Google Sheets automatically. Track status, remarks, scores, and documents in one place.
WhatsApp Automation
Instant WhatsApp alerts to customers and admin on new leads, status changes, and missing documents.
Email Automation
Auto-send confirmation emails to customers with Application ID, and detailed alerts to admins with AI scores.
Admin Dashboard
Full CRM with lead stats, filters, risk alerts, document review, and pipeline management for admins.
Mobile-First Design
Fully responsive UI optimised for smartphones. Customers can apply and track from any device.
PDF Report Generator
Generate and download a PDF-ready loan eligibility report with AI summary, scores, and bank suggestions.
Secure Admin Access
Admin Dashboard
Admin Login
Access the KG Finvest CRM dashboard
Protected access. Session expires after inactivity.
Welcome, Admin
KG Finvest CRM · Last updated: Just now
48
Total Leads
12
Pending Review
31
Approved
5
AI Risk Alerts
₹9.2Cr
This Month
8
Docs Pending
3
High Ticket (>1Cr)
7
Today’s Leads
Recent Applications
| App ID | Customer | Loan Type | Amount | AI Score | Risk | Status |
|---|---|---|---|---|---|---|
| KGF-2024-001 | Ramesh Kumar | Home Loan | ₹75L | 84 | Low | Approved |
| KGF-2024-002 | Priya Sharma | Personal Loan | ₹8L | 71 | Medium | In Review |
| KGF-2024-003 | Anil Mehta | Business Loan | ₹1.2Cr | 88 | Low | Approved |
| KGF-2024-004 | Sunita Patel | LAP | ₹45L | 62 | High | Pending |
| KGF-2024-005 | Vikram Singh | Car Loan | ₹12L | 79 | Low | Approved |
| KGF-2024-006 | Deepa Nair | Balance Transfer | ₹38L | 55 | High | Rejected |
Got Questions?
Frequently Asked Questions
Everything you need to know about applying for a loan through KG Finvest. Can’t find your answer? Chat with us on WhatsApp →
Who is eligible to apply for a loan through KG Finvest?
Any Indian resident aged 21–65 years with a regular income source — salaried, self-employed, business owner, or professional — can apply. NRIs may also apply for select loan types such as Home Loans and Mortgage Loans. Minimum income requirements vary by loan type and the lending bank’s criteria.
What is the minimum CIBIL score required for loan approval?
Most banks prefer a CIBIL score of 700 and above for seamless approval. However, KG Finvest works with lenders who consider profiles with scores as low as 650 for secured loans (like Home Loans or LAP). Our AI engine analyses multiple factors beyond just CIBIL to provide a holistic assessment.
Can I apply if I have existing EMIs or running loans?
Yes. Existing EMIs are factored into your FOIR (Fixed Obligation Income Ratio). Most banks allow a FOIR up to 50–55% of your net monthly income. Our AI engine calculates your exact FOIR and assesses eligibility accordingly. If your FOIR is high, we may suggest Balance Transfer options to reduce your monthly burden.
What loan amounts can I apply for?
Loan amounts depend on your income, credit profile, and the type of loan. Generally: Personal Loans from ₹50,000 to ₹40L; Home Loans from ₹10L to ₹10Cr+; Business Loans from ₹2L to ₹5Cr; LAP from ₹10L to ₹5Cr. Our AI provides a personalised eligible amount based on your financial inputs.
What documents are required to apply for a Home Loan?
For a Home Loan you typically need: Aadhaar & PAN (identity), last 3 months salary slips (salaried) or ITR for 2 years (self-employed), 6 months bank statements, Form 16 or tax computation, property documents (sale deed, NOC, builder plan approvals), and an existing loan statement if applicable. Our document checklist is auto-generated based on your employment type.
What file formats are accepted for document upload?
We accept PDF, JPG, and PNG files. Each file can be up to 10MB. For bank statements and P&L reports, PDF format is preferred for accurate OCR processing. Ensure documents are clear, unedited, and complete — partially visible or blurry scans may delay processing.
Is it mandatory to upload all documents at the time of application?
No. You can submit your application with available documents and upload pending ones later. However, a more complete submission enables a more accurate AI analysis. You’ll receive WhatsApp and email alerts for any missing documents that are required for processing.
How are my uploaded documents stored securely?
All uploaded files are stored in a secure, access-controlled Google Drive folder linked to your Application ID. Only KG Finvest’s authorised admin team and the assigned loan processor can access your documents. Files are never shared with banks without your explicit consent.
How long does the loan approval process take?
After you submit your complete application: our AI analysis is instant. A KG Finvest advisor will contact you within 4–8 business hours. Bank processing typically takes 3–7 working days for salaried applicants and 7–15 working days for self-employed profiles, subject to property/legal verification where applicable.
How will I receive updates on my loan application status?
You’ll receive real-time updates via WhatsApp and email at every stage: application received, documents verified, bank submitted, approval/rejection, disbursement. Make sure your WhatsApp number is active and entered correctly during registration.
Can I apply for multiple loan types simultaneously?
You can submit separate applications for different loan types. However, applying at multiple banks simultaneously can impact your CIBIL score due to multiple hard enquiries. Our AI engine recommends the best lenders to maximise your chances without triggering unnecessary credit pulls.
What is a Balance Transfer loan and how does it work?
A Balance Transfer allows you to move your existing loan from one bank to another offering a lower interest rate. This reduces your EMI and total interest outflow. KG Finvest handles the entire BT process — from finding the best rate to paperwork and bank coordination. You typically need a good repayment history of 12+ months with the existing lender.
How does the KG Finvest AI Analysis Engine work?
Our AI engine is powered by Claude AI and analyses your income data, bank statement patterns, existing obligations, ITR trends, and employment profile. It calculates FOIR, assigns a risk score (1–100), estimates eligible loan amounts, and recommends the best-match banks — all in real time. The score is an estimate and is subject to bank verification.
Is the AI eligibility score guaranteed to match bank approval?
No. The AI score is an indicative estimate based on inputs you provide. Banks conduct their own independent credit appraisal, property valuation, and legal checks. The AI score helps you understand your approximate eligibility and improve your profile before applying, but final approval rests with the lending institution.
What is FOIR and how does it affect my loan eligibility?
FOIR stands for Fixed Obligation to Income Ratio. It is the percentage of your net monthly income that goes towards existing fixed obligations (EMIs, loan repayments). Most banks cap FOIR at 40–55%. If your FOIR is already at 48% and you wish to add a new EMI of ₹25,000, the AI checks if the combined FOIR remains within acceptable limits for your income bracket.
What fraud alerts does the AI generate?
The AI flags potential issues such as: inconsistencies between stated income and bank deposits, unusual round-figure salary credits, high cash withdrawal patterns that may indicate undisclosed obligations, sudden income spikes before application, PAN format mismatches, or document metadata anomalies. These are flagged for admin review — not automatically rejected.
Is my Aadhaar number safe on this platform?
Yes. Your Aadhaar number is masked on display (only last 4 digits shown) and is never stored in plaintext. It is encrypted before being stored in the backend. KG Finvest complies with UIDAI guidelines for Aadhaar data handling. We never share your Aadhaar number with third parties or banks without your explicit written consent.
Who can access my personal and financial data?
Only KG Finvest’s authorised admin team has access to your data. Admin access is protected by secure login with session management. Your data is used solely for loan processing and advisory purposes. We do not sell or share your data for marketing purposes. You may request deletion of your data by writing to info@kgfinvest.com.
Does KG Finvest ask for OTP or bank login credentials?
Never. KG Finvest will never ask for your bank login credentials, net banking password, ATM PIN, or any OTP. If you receive any such request claiming to be from KG Finvest, please report it immediately to info@kgfinvest.com or via WhatsApp support. Beware of fraud impersonators.
What are the typical interest rates for different loan types?
Interest rates vary by bank and profile. Typical ranges: Home Loan 8.40%–9.5% p.a.; LAP 9%–12% p.a.; Personal Loan 10.5%–24% p.a.; Business Loan 11%–18% p.a.; Car Loan 7.9%–10.5% p.a.; OD/CC 10%–16% p.a. Our AI recommends the best matching bank for your profile to secure the lowest applicable rate.
Can I prepay or foreclose my loan before the tenure ends?
Yes, most banks allow partial prepayment and foreclosure. For floating-rate loans (most home loans), RBI guidelines prohibit banks from charging a prepayment penalty. For fixed-rate loans or business/personal loans, a foreclosure charge of 1–5% of the outstanding amount may apply. KG Finvest advisors will clarify the specific terms of your loan before disbursal.
What happens if I miss an EMI payment?
Missing an EMI triggers a late payment penalty (typically 2–3% per month on the overdue amount) and is reported to CIBIL, reducing your credit score. After 90 days of non-payment, the account may be classified as NPA (Non-Performing Asset). Contact your bank immediately if you foresee a payment difficulty — restructuring options are available. KG Finvest can assist in negotiating with your bank.
Does KG Finvest charge any fees for its services?
KG Finvest’s advisory and application submission service is free for customers. We are an AMFI-registered Mutual Fund Distributor (ARN 301473) and earn a distribution fee from lending institutions upon successful loan disbursal. Separately, banks charge a processing fee (0.5%–2% of loan amount) which is a bank charge, not a KG Finvest charge. All charges are disclosed transparently before application.