Page 1 of 5

Customer Identity

Basic identification · OTP-verified contact · Service selection

Personal Identification

As per KYC documents

Full Name *

Date of Birth *

PAN Number *

Aadhaar (last 4)

Father / Spouse Name

Marital Status

City / Area *

Full Address

Contact Verification

Mobile and email verified via OTP before consultation proceeds

Mobile *

+91

Email Address *

4-digit code sent to customer's email

Employment Type *

✓

💼SalariedEmployed

✓

🏢BusinessSelf-employed

✓

👨‍⚕️ProfessionalCA/Doctor/Lawyer

✓

✈️NRINon-resident

Service Required *

What has the customer come for today?

✓

🏠Home LoanPurchase/Construct/Renovate

✓

🔄Balance TransferReduce EMI burden

✓

🔧Loan RestructuringEMI reduction strategy

✓

🏗Mortgage / LAPLoan against property

✓

💼Business LoanExpansion / working capital

✓

📊CIBIL AnalysisCredit review & strategy

✓

🛡InsuranceTerm / health / loan protection

✓

📈Mutual FundsSIP / goal-based investment

Customer's exact words (note what they said)

💼 Consultation Fee

Confirm before proceeding

Fee Type

Fee Amount Collected

₹

Payment Mode

Receipt / UTR Number

⚠

Advisory success fee of 1% of sanctioned loan amount is payable upon issuance of sanction letter. This must be communicated to the customer before proceeding.

Page 2 of 5

Financial Profile

Income, liabilities, CIBIL — live FOIR calculated as you type

Live Eligibility Assessment

—

FOIR %

—

Max New EMI

—

Approx Eligible

—

DSCR

—

LTV %

—

App Score

FOIR threshold: 40–50% · DSCR > 1.2 preferred · LTV: max 80% residential, 60% commercial

Income Details

Monthly Net Income * — take-home after tax

₹

Other Monthly Income — rent, interest, business

₹

Annual Gross Income

₹

Annual Business Turnover

₹

Years at Current Employer / Business

Nature of Employment

Employer / Business Name

Existing Liabilities

Total Existing EMIs / Month *

₹

Sum of all current loan EMIs

Credit Card Monthly Outflow

₹

CIBIL & Credit Profile

CIBIL Score *

Active Loan Accounts

Settled / Written-off accounts

Any cheque bounce / ECS bounce history

DPD (Days Past Due) in last 12 months

Advisor CIBIL Observations

Page 3 of 5

Loan & Service Details

Specific loan requirement — BT, restructuring, new loan

New Loan Requirement

Loan Amount Required *

₹

Preferred Tenure

Property / Collateral Value

₹

Property Location

Property Type

Property Legal Status

Purpose / Use of funds

🔄 Balance Transfer / Restructuring Details

Current loan being transferred or restructured

Current Lender *

Current Interest Rate (%)

Outstanding Balance

₹

Remaining Tenure (months)

Current EMI

₹

Proposed New Rate (%)

Reason for Transfer / Restructuring

Additional Requirements

Top-up Required?

Top-up Amount (if yes)

₹

Special Circumstances / Advisor Notes

Page 4 of 5

Document Checklist

Mark each document — collected, missing or waived. Auto-saved to Sheets.

✅ 0 Collected ❌ 0 Missing — 0 Waived

ℹ

Tap ✅ Collected / ❌ Missing / — Waive on each document. Automatically updates the AI analysis and Google Sheets. The report will show exact missing document list.

🪪 KYC Documents (All Services)

💰 Income Documents

🏠 Property / Collateral Documents

📋 Additional Documents

Document Collection Notes

Page 5 of 7

Financial Projections

AI-generated P&L, Balance Sheet, Cash Flow — 3-year projection · Legally compliant · Printable PDF

🤖

Claude AI generates complete financial projection documents based on the income and loan data collected. These are advisory projections with mandatory legal disclaimers. Every document is printable as a standalone PDF page.

Projection Parameters

Projection Period

Revenue Growth Rate (%/yr)

Industry / Business Type

Current Annual Revenue / Income

₹

Current Annual Expenses

₹

Total Assets (approx.)

₹

Business Description (for AI context)

KG Finvest — Financial Advisory Document

Projected Profit & Loss Statement

FY 2025-26 to FY 2027-28 (3-Year Projection)

Customer: —

REF: —

Generating...

KG Finvest — Financial Advisory Document

Projected Balance Sheet

As at 31-Mar-2026, 2027, 2028

Customer: —

Generating...

KG Finvest — Financial Advisory Document

Projected Cash Flow Statement

3-Year Cash Flow & DSCR Analysis

Customer: —

Generating...

KG Finvest — Financial Advisory Document

Key Financial Ratios & Creditworthiness

DSCR, FOIR, Current Ratio, Debt-Equity, NIM

AI FINANCIAL NARRATIVE

⚠ Legal Disclaimers — Financial Projection Documents

1. Projections are Estimates: All financial projections, P&L statements, balance sheets and cash flow statements in these documents are forward-looking estimates prepared solely for advisory and loan application planning purposes. They are NOT audited financial statements, CA-certified accounts, or official financial disclosures.

2. No Guarantee: KG Finvest does not guarantee the accuracy, completeness or achievability of these projections. Actual results may differ materially due to market conditions, regulatory changes, business risks, competition, and other factors beyond our control.

3. Not Audited / Not CA-Certified: These projections have not been audited by a Chartered Accountant. For formal loan applications requiring CA-certified projections, the customer must engage a licensed CA. KG Finvest can facilitate this as part of its advisory service.

4. Advisory Success Fee: 1% of sanctioned loan amount payable upon issuance of sanction letter within 7 working days.

5. Regulatory: KG Finvest · AMFI MFD ARN 301473 · IRDAI URN: ABLI1701250261 · GSTIN: 36AEIPR0022H1ZR · Registered: Alwal, Hyderabad, Telangana.

6. Data Privacy: Financial data collected during this consultation is used solely for loan processing and advisory purposes in accordance with DPDP Act 2023. Data is not shared with third parties without explicit consent except as required for loan processing.

Page 6 of 7

Payment Collection

Consultation fee · 1% advisory success fee · Razorpay QR · Payment link

Fee Summary — This Consultation

₹—

Consultation Fee

₹—

1% Success Fee

⏳ Pending

Status

Razorpay QR / UPI Pay

LIVE

Scan with any UPI app · GPay · PhonePe · Paytm · BHIM

KG FINVEST

Scan & Pay with any UPI App

Amount to Collect (₹)

₹

UTR / Transaction Ref

Powered by Razorpay · Live Key: rzp_live_SzjjRlt…

💳 Razorpay Checkout

Open payment modal or generate link for WhatsApp/SMS

Amount (₹) *

₹

Description

Razorpay Key ID: rzp_live_SzjjRltWDwbKYa
Keys managed in GAS Script Properties

💰 Payment Log

No payments recorded yet

🔑 API Key Status

Claude API Key

Checking…

AI analysis & projections

Razorpay Key ID

Checking…

rzp_live_SzjjRltWDwb…

Razorpay Secret

Checking…

Payment verification

GAS Web App

Checking…

All backend functions

📌 To update any key: Apps Script Editor → Project Settings → Script Properties
Keys: CLAUDE_API_KEY · RAZORPAY_KEY_ID · RAZORPAY_SECRET

Page 7 of 7 — Final Report

AI Analysis Report

Full Claude AI credit assessment · Lender recommendations · Advisor sign-off

🤖

Ready to generate AI analysis — Claude will analyse all 4 pages of data: financial profile, FOIR, CIBIL, loan details, document status, and generate a complete advisory report with lender recommendations.

Application Strength Score

—

/100

—

FOIR

—

DSCR

—

CIBIL

—

LTV

—

Max Eligible

—

Docs

🔒

Report Locked — Payment Required

The complete AI Advisory Report is ready.
Confirm payment on Page 6 to unlock the full report.
Report has already been sent to admin automatically.

⚠ Advisory Disclaimers

1. Illustrative Estimates: All analysis, FOIR, eligibility, EMI projections are advisory estimates based on information provided. Not guaranteed or binding.

2. Not a Sanction Letter: This report is NOT a loan approval, sanction letter or guarantee. Actual approval subject to lender's credit assessment.

3. Advisory Success Fee: 1% of sanctioned loan amount payable upon issuance of sanction letter within 7 working days.

4. Regulatory: KG Finvest · AMFI ARN 301473 · IRDAI URN: ABLI1701250261 · GSTIN: 36AEIPR0022H1ZR · Alwal, Hyderabad.

Advisor Sign-off

Advisor Recommendation

Target Lender

Advisor Notes for File

Advisor Name

Date of Consultation

💳

Payment Required — Consultation report locked.
Confirm payment on Page 6 to unlock the report and submit to Google Sheets.