AI Financial Recovery and EMI Reduction Platform

AI-Powered Loan Restructuring & EMI Reduction by KG Finvest

Apply for Balance Transfer with KG Finvest. Our AI reads your CIBIL, salary, bank statements and loan portfolio — then identifies the fastest path to lower EMIs, BT opportunities, LAP eligibility and long-term savings.

Rs.42L
AVG LONG-TERM SAVINGS
33%
AVG EMI REDUCTION
500+
CASES CLOSED
SBI BT PartnerHDFC BT Partner RBI CompliantIRDAI Licensed OTP VerifiedSecure Drive Storage
Apply for Balance Transfer with KG Finvest

Start Free AI Loan Analysis

2 minutes. Advisory fee Rs.590 only after results.

Advisory fee: Rs.500 + Rs.90 GST = Rs.590 only after analysis

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Verify Your Mobile
OTP sent. Demo OTP: 123456
Resend in 30s
STEP 02 OF 07

Upload Your Documents

AI + OCR auto-extracts financial data. Required docs marked in gold. Skip optional and enter manually below. Documents are analysed temporarily — permanent storage only with your consent.

Required
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CIBIL Report
PDF / Image
Required
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Salary Slips
Last 3 months
Required
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Bank Statements
Last 6 months
Optional
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Loan Statements
All existing loans
Optional
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ITR / Form 16
Latest year
Optional
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PAN Card
KYC
Optional
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Aadhaar Card
KYC
Optional
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Property Docs
For LAP analysis
Optional
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GST Returns
Self-employed
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AI OCR Extraction
Extracting...
INCOME DETAILS — AUTO-FILLED OR MANUAL ENTRY
STEP 03 OF 07

Your Loan Portfolio

Add all existing loans. FOIR meter and EMI calculator update live. Admin can edit the lender ROI database below.

Live FOIR Meter
FOIR = Total EMI / Net Income x 100
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Enter income and loans
Below 40% Excellent 40-55% Moderate Above 55% High Risk
Loan TypeBank / NBFCOutstanding (Rs.) ROI %EMI (Rs.)Remaining Mo.Delayed?

EMI Calculator — P x r x (1+r)^n / ((1+r)^n - 1)

Live Lender ROI Database (Admin editable — updates AI matching)

LENDER
BT ROI%
CONS%
LAP%
MAX AMT
PROPERTY DETAILS
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AI Analyzing Your Full Financial Profile

Running 8-module analysis: CIBIL, income, EMI, stress, BT eligibility, LAP, top-up...

📊CIBIL and credit analysis
💰Income and FOIR check
🔍High-ROI loan detection
🏦Bank statement analysis
⚠Financial stress detection
🎯CIBIL strategy engine
🔁BT and LAP lender matching
💎Top-Up loan eligibility
STEP 05 OF 07 — DOCUMENT STORAGE CONSENT

How Would You Like to Proceed?

Your AI analysis is complete. Please choose whether you want KG Finvest to process your application and securely store your documents.

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Secure Document Storage Consent
If you choose to proceed with KG Finvest for Balance Transfer, Consolidation, LAP or Top-Up Loan, your documents will be securely stored in an encrypted Google Drive folder — accessible only to your assigned advisor and the compliance team.
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Balance Transfer
Transfer high-ROI loans to lower rate lenders. Start saving from month 1.
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Loan Consolidation
Merge multiple loans into one. Single EMI, lower rate, lower FOIR.
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Loan Against Property (LAP)
Use property equity to close high-interest loans at 9-10.5% ROI.
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Top-Up Loan
Additional financing based on repayment history and FOIR strength.

If you select "No, Only Download Report" — your documents will NOT be stored permanently. Only non-sensitive CRM data (name, mobile, analysis) will be retained. Temporary uploads are cleared automatically after the session.

📁 Creating Secure Google Drive Folder...
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Unlock AI Advisory Report
One-time advisory fee for complete restructuring analysis
Advisory Fee (GST Inclusive)
Rs.590
Rs.500 base + Rs.90 GST (18%) — Invoice auto-generated
10% KG Finvest Client Discount Applied
  • Complete AI Loan Restructuring Analysis
  • CIBIL Score Impact and Recovery Assessment
  • Balance Transfer ROI Comparison — 20+ Lenders
  • EMI Burden and FOIR Analysis
  • LAP Feasibility and Property Strength Assessment
  • Top-Up Loan Eligibility Report
  • Financial Stress and Default Risk Score
  • 12-Month Financial Recovery Roadmap
  • Downloadable Branded PDF Advisory Report
Select Payment Method
Cards
UPI
PhonePe
Net Banking
Debit Card

Secured by Razorpay | SSL Encrypted | Instant Report Access

KG Finvest

AI Financial Recovery and EMI Reduction Platform
www.kgfinvest.com | MFD ARN 301473 | IRDAI URN: ABLI1701250261 | GSTIN: 36AEIPR0022H1ZR
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CONFIDENTIAL
PApplication Pipeline
1Customer Summary
2AI Risk and Financial Health Scores
3EMI Restructuring Summary
Current
Total EMI--
Avg ROI--
FOIR--
Total Payable--
→
AI Recommended
New EMI--
Revised ROI--
Revised FOIR--
Total Payable--
4Savings Projection
5Loan Portfolio
6AI Recommendations
8Financial Recovery Roadmap
1
Immediate (Month 1-2)
Initiate Balance Transfer
Transfer highest-ROI loan. Monthly savings begin immediately.
2
Short-Term (Month 2-4)
Consolidate and Simplify
Single repayment, lower FOIR, reduced stress.
3
Mid-Term (Month 4-6)
CIBIL Recovery
Consistent payments improve credit score to 720+.
4
Long-Term (Month 6-12)
Invest Surplus and Pre-Close
Savings diverted to SIP and pre-closure of costliest loan.
Apply for Balance Transfer with KG Finvest

Ready to Implement This Plan?

KG Finvest handles your Balance Transfer, Consolidation, LAP and Top-Up end-to-end.

KG Finvest — AI Financial Recovery and EMI Reduction Platform
www.kgfinvest.com | MFD ARN 301473 | IRDAI Licensed Insurance Advisor | URN: ABLI1701250261 | GSTIN: 36AEIPR0022H1ZR
Advisory purposes only. Final loan terms subject to lender approval. Documents stored only with explicit customer consent. 2026 KG Finvest, Hyderabad.
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