Multiple Loans? Bring Them Together Into One EMI.
Explore whether consolidating eligible loans — personal loans, credit cards, consumer loans, business loans or a Loan Against Property — could simplify your repayments and potentially reduce your overall interest burden.
AI Financial Assessment Report — Worth ₹499
A personalized assessment of your loans, EMI burden, financial profile and potential consolidation options — prepared and reviewed by KG Finvest before it reaches you.
Important: No one can guarantee loan approval, a specific interest rate, or a specific saving. This is a professional financial and consolidation-eligibility review — an assessment and advisory service, not a promise of approval. Final lending decisions always remain solely with the respective bank/NBFC.
Let's Review Your Loan Consolidation Options
A few basic details to get started.
Terms & Privacy Summary
This free tool provides an indicative estimate only, based on the details you share — it is not a loan offer, sanction, or guarantee of eligibility. By using this tool, you agree that KG Finvest (AMFI-registered Mutual Fund Distributor, IRDAI-licensed Insurance Advisor) may collect and use your details to prepare your report, contact you about your enquiry, and — with your separate marketing consent — share relevant updates about KG Finvest's services. Your information is not sold to third parties; it may be shared with banks/NBFCs strictly to process a loan application you choose to pursue. You can request removal of your data at any time by contacting us. Full Terms of Service and Privacy Policy are available on request — call/WhatsApp +91 85559 25281.
Professional Service Fee: If you proceed with KG Finvest and your loan is disbursed, a professional service fee of 1% of the loan amount disbursed applies, subject to a minimum applicable fee. This is separate from and in addition to any charges levied by the lender (login, processing, legal, technical, insurance, etc.). No fee is charged for this free analysis itself.
What A Consolidation Report Can Look Like
Sample based on a real, anonymised KG Finvest Balance Transfer case (Home Loan + Personal Loan + Car Loan → single LAP-backed EMI). Your own numbers will depend on your loans, property, and eligibility.
Why loan applications face difficulty
Rejections, delays, and lower-than-expected eligibility usually trace back to a small set of recurring, identifiable factors — not chance.
FOIR / Income
Existing EMIs relative to income exceeding the lender's comfort threshold.
Credit Profile
Overdue accounts, recent enquiries, or utilisation patterns a lender flags.
Documentation
Incomplete, inconsistent, or outdated supporting documents.
Property / Security
Valuation, title, or LTV mismatches for secured loans.
Income Proof
Bank statements or ITRs not clearly reflecting declared income.
Lender Fit
A strong profile submitted to the wrong lender/product category.
A structured second-level review
FOIR & Repayment Capacity Review
- Monthly income and existing EMI position
- Proposed EMI and total obligations
- FOIR and disposable income
- Overall debt burden
Potential recommendations may include reducing EMI burden, restructuring debt, considering a balance transfer where appropriate, consolidating eligible loans, or improving income documentation.
CIBIL / Credit Profile Review
- Credit score and repayment history
- Overdue, settled, or written-off accounts
- Credit utilisation and recent enquiries
- Active loans and credit-card obligations
- Possible reporting inconsistencies
Where a potential issue is identified, KG Finvest describes it as exactly that — a potential issue for review, not a verdict. If an apparent reporting error exists, the customer may consider raising a correction/dispute request with the relevant credit bureau or reporting lender.
Documentation Review
- PAN, Aadhaar, address proof
- Payslips, ITR, bank statements
- Existing loan statements
- Property/title documents, tax receipts
- Business/income proof, GST returns
Each document is reviewed against your specific case and shown as Received, Pending, Not Required, or Under Review — with advisor remarks on exactly what's needed next.
KG Finvest Advisor Review
A KG Finvest advisor personally reviews your case and prepares professional remarks covering: potential reason for rejection, FOIR observation, credit-profile observation, income observation, existing-loan observation, documentation observation, property observation, recommended corrective actions, recommended next steps. Advisor remarks are entered and controlled by KG Finvest — never editable by the customer.
The review process
What your fee pays for
Your fee is for professional assessment, financial analysis, documentation review and advisory services. It is not a fee for guaranteed loan approval.
KG Finvest offers three tiers of professional review, tailored to your loan complexity — from a Digital AI Financial Assessment Report through to High-Ticket LAP & Commercial Mortgage Advisory. Exact pricing for your specific case is shown after your loan profile and documents are reviewed, as part of the assessment flow below.
Professional Service & Loan Charges
1. Initial Professional Service Charge — ₹499/-
Payable at the commencement of professional loan assessment, financial analysis, CIBIL/FOIR review, documentation assessment and advisory services. Non-refundable.
2. Sanction / Approval Professional Charge — 0.25% of the sanctioned loan amount
Payable separately upon successful loan sanction/approval. Non-refundable.
3. Disbursement Professional Charge — 1% of the actual loan amount disbursed
Payable separately upon successful loan disbursement. Non-refundable.
Each applicable professional charge shown above is separate and independent. None of these charges are adjustable against another charge. None of these charges are refundable.
GST: All applicable professional charges are exclusive of GST. GST will be charged additionally as applicable.
If the loan is rejected, declined, cancelled, or withdrawn before sanction: only the ₹499 Initial Professional Service Charge applies — the Sanction/Approval and Disbursement charges do not become payable, since they are only triggered by an actual sanction or disbursement event respectively.
Payment of professional service charges does not guarantee loan sanction or disbursement. Final sanction, interest rate, tenure, loan amount and disbursement are solely subject to the credit appraisal, policies, documentation, valuation and final decision of the respective bank/NBFC/lending institution.
