This AI-assisted analysis is an assessment and review of your loan eligibility, financial profile, and potential lender options based on the information and documents you provide — it is not a guarantee of loan approval. Final approval, interest rate, and disbursement remain solely at the discretion of the respective bank or NBFC after their own independent verification.
Basic Details
Just a few details to get started — we'll ask for everything else on the next screen.
⚠ EMI Consolidation / Balance Transfer requires an existing Home Loan or Loan Against Property to transfer or consolidate. You'll be asked to specify this under "Existing Loans / EMIs" in Financial Details.
💡 No need to complete everything today — once submitted, you can always come back and retrieve your application anytime using your registered email, and pick up right where you left off.
Personal Details (KYC)
Standard information required by banks/NBFCs for loan processing.
Employment Details
Financial Details
💡 This directly affects your FOIR and eligible loan amount — declaring it accurately gives you a more reliable report.
Loan Details
Loan Type and Amount Requested were captured on the first screen.
Released After Document Submission
Your eligibility report is generated once your application and documents are submitted — see it below after you submit.
🤖 Get a Detailed AI Loan Eligibility Assessment (₹499)
A deeper, KG Finvest-branded PDF report covering your full financial analysis, existing-loan consolidation opportunities, advisor remarks, and recommended next steps — emailed to you after our team reviews it. The ₹499 fee is adjusted against KG Finvest's professional charges if your loan is later disbursed through us.
Why Pay for a Loan Eligibility Report?
Because KG Finvest does more than calculate eligibility — we professionally analyse your profile and cross-check it against 40+ Banks & NBFCs to help identify suitable loan options.
This assessment is advisory and informational only and does not constitute a loan sanction, approval, or guarantee by any bank or NBFC. The ₹499 fee is non-refundable and is adjusted only against KG Finvest's professional charges upon successful loan disbursement — no refund applies if the loan is not disbursed. Final eligibility, interest rate, and approval remain solely at the discretion of the respective lending institution after its own credit and document verification. By proceeding, you agree to KG Finvest's Terms & Conditions and Privacy Policy.
Scan with any UPI app (BHIM, GPay, PhonePe, Paytm) and pay ₹499. After paying, enter the UTR/transaction reference number shown in your payment app below.
⚠ Your monthly obligations look quite high relative to income. Adding a co-applicant's income can improve your eligibility. Would you like to add one before submitting?
Your consent to including a co-applicant is confirmed together with your Terms & Conditions acceptance and OTP verification at the end of this form.
My Loan Application Process
Property Details
For secured loans — required so we can prioritise the property against which the loan is secured.
Property Legal Documents
Since a property value has been entered, please confirm the following before proceeding to document submission.
Payment History
This helps us give you an accurate assessment — answered honestly, it works in your favour.
Co-Applicant Details
Included based on your consent to strengthen your application's eligibility.
References
Please provide two references who can vouch for you.
You've entered the core details of your application. Save your progress here — this also lets our team review your profile early and reach out if helpful, even before you upload documents.
Document Upload
Upload clear copies (PDF/JPG/PNG). Documents are optional at this stage, but strongly recommended.
Applications submitted with complete documents are typically processed within 24–48 hours — incomplete applications can take significantly longer while our team follows up for what's missing.
No documents on hand right now? No problem — you can submit your application today and come back anytime to upload documents by retrieving your application with your registered email. Or, email your documents directly to kgfinvestotp@gmail.com quoting your name and mobile number, and our team will attach them to your application.
Bank Details
For loan disbursement, once approved.
For Office Use Only
If a KG Finvest agent assisted you with this application, their details can be recorded here (optional).
Customer Disclaimer — Agent-Assisted Applications
Dear Customer, if your application has been submitted or assisted by a KG Finvest Agent/Representative, please read the following carefully:
1. Do not pay any money to the agent for submitting, processing, arranging, or following up on your application unless the charge has been officially communicated and authorised by KG Finvest.
2. Do not transfer money to any agent's personal bank account, UPI ID, QR code, or personal wallet in the name of KG Finvest.
3. Any official fee payable to KG Finvest, if applicable, will be communicated through authorised KG Finvest channels and should be paid only through the officially designated payment method.
4. An agent is not authorised to guarantee loan approval, loan amount, interest rate, insurance approval, investment returns, or any other financial outcome.
5. Submission of an application does not mean the application is approved. Final approval, sanction, policy issuance, or investment processing is subject to the respective bank, NBFC, insurance company, AMC, or other applicable institution.
6. KG Finvest will not be responsible for any cash payment, personal-account transfer, UPI transfer, or other payment made by a customer to an agent without official authorisation from KG Finvest.
7. Please verify any payment request, document request, or financial commitment directly with KG Finvest through its authorised contact channels before making payment.
8. Please retain all payment receipts, application references, and communications relating to your application.
For verification or clarification, please contact KG Finvest directly before making any payment to any person claiming to represent KG Finvest.
తెలుగులో చదవండి (Read in Telugu)
ప్రియమైన కస్టమర్, మీ లోన్ / ఇన్సూరెన్స్ / మ్యూచువల్ ఫండ్ లేదా ఇతర ఆర్థిక సేవల అప్లికేషన్ను KG Finvest Agent / Representative ద్వారా సమర్పించినా లేదా వారు సహాయం చేసినా, దయచేసి క్రింది విషయాలను తప్పనిసరిగా గమనించండి:
1. అప్లికేషన్ సమర్పించడం, ప్రాసెసింగ్, ఏర్పాటు చేయడం లేదా ఫాలో-అప్ కోసం ఏ Agentకూ డబ్బు చెల్లించవద్దు, KG Finvest అధికారికంగా మరియు స్పష్టంగా ఆ ఛార్జీని తెలియజేసి అనుమతించిన సందర్భంలో తప్ప.
2. KG Finvest పేరుతో Agent వ్యక్తిగత బ్యాంక్ అకౌంట్, UPI ID, QR Code లేదా వ్యక్తిగత Walletకు ఎటువంటి డబ్బును ట్రాన్స్ఫర్ చేయవద్దు.
3. KG Finvestకు అధికారికంగా చెల్లించాల్సిన ఏదైనా ఫీజు ఉంటే, అది KG Finvest అధికారిక ఛానల్స్ ద్వారా తెలియజేయబడుతుంది. అధికారికంగా సూచించిన చెల్లింపు విధానం ద్వారానే చెల్లించాలి.
4. Agentకు లోన్ ఆమోదం, లోన్ మొత్తం, వడ్డీ రేటు, ఇన్సూరెన్స్ ఆమోదం, ఇన్వెస్ట్మెంట్ రిటర్న్స్ లేదా ఇతర ఆర్థిక ఫలితాలకు హామీ ఇచ్చే అధికారం లేదు.
5. అప్లికేషన్ సమర్పించడం అంటే అప్లికేషన్ ఆమోదించబడిందని కాదు. తుది ఆమోదం / శాంక్షన్ / పాలసీ జారీ / ఇన్వెస్ట్మెంట్ ప్రాసెసింగ్ సంబంధిత Bank, NBFC, Insurance Company, AMC లేదా ఇతర సంబంధిత సంస్థ నిర్ణయంపై ఆధారపడి ఉంటుంది.
6. KG Finvest అధికారికంగా అనుమతించని విధంగా Agentకు నగదు, వ్యక్తిగత బ్యాంక్ అకౌంట్, UPI లేదా ఇతర వ్యక్తిగత ఖాతాకు కస్టమర్ చేసిన చెల్లింపులకు KG Finvest బాధ్యత వహించదు.
7. ఏదైనా Payment Request, Document Request లేదా Financial Commitment విషయంలో డబ్బు చెల్లించే ముందు KG Finvestను నేరుగా సంప్రదించి నిర్ధారించుకోండి.
8. మీ అప్లికేషన్కు సంబంధించిన అన్ని Payment Receipts, Application Reference Numbers మరియు Communicationsను భద్రపరచుకోండి.
KG Finvest పేరుతో ఎవరైనా డబ్బు చెల్లించమని కోరితే, చెల్లించే ముందు KG Finvest అధికారిక ఛానల్ ద్వారా తప్పనిసరిగా ధృవీకరించుకోండి.
KG FINVEST · AMFI ARN: 301473 · IRDAI Licensed Insurance Advisor · URN: ABLI1701250261 · kgfinvest.com
To confirm you've read and understood this disclaimer, and to receive a copy for your records, please verify with an OTP sent to your registered email.
💼 KG Finvest Professional Service Fee
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.
📜 Terms & Conditions and Privacy Policy
1. Scope of Services
KG Finvest is an independent loan advisory and processing service that assists customers in identifying, applying for, and processing loan facilities with partner banks and Non-Banking Financial Companies (NBFCs). KG Finvest is not a bank or NBFC and does not itself sanction, approve, or disburse loans. Final loan approval, sanction, interest rate, and disbursement remain solely at the discretion of the lending institution.
2. Professional Service Fee
If the customer proceeds with KG Finvest and the loan is disbursed, a Professional Service Fee of 1% of the loan amount disbursed applies, subject to a minimum applicable fee, payable to KG Finvest for advisory, documentation, and loan-processing services rendered. 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.
Bank/NBFC processing charges, legal charges, valuation charges, stamp duty, technical/legal verification charges, insurance charges, and other government charges are separate from and in addition to KG Finvest's Professional Service Fee, and are payable directly to the relevant institution or authority as applicable.
3. Loan Advisory Agreement & Appointment
By accepting these Terms, the customer voluntarily appoints KG Finvest as their loan processing consultant for the specific loan requirement submitted through this application, for a period of 30 days from the date of acceptance. This appointment may be renewed, extended, or terminated by mutual written consent.
4. No Guarantee of Approval
KG Finvest does not guarantee loan approval, sanction, or disbursement. Approval is subject to the lending institution's independent credit assessment, documentation verification, and internal policies.
5. Data Privacy & Use of Information
The personal, financial, and document information submitted through this application will be used solely for the purpose of assessing, processing, and facilitating the customer's loan application, and may be shared with partner banks/NBFCs strictly for this purpose. KG Finvest will take reasonable measures to protect the confidentiality of customer data and will not sell customer data to unrelated third parties. Uploaded documents are retained for 90 days from the date of upload for processing purposes and are automatically and permanently deleted thereafter as part of KG Finvest's data retention policy.
6. Electronic Records & Electronic Consent
The customer acknowledges that this application process is conducted entirely electronically. In accordance with the Information Technology Act, 2000 (including its provisions on electronic records and electronic signatures/authentication), the customer agrees that electronic records, electronic communications, and OTP-based verification constitute valid and legally binding acceptance of these Terms, equivalent to a physical signature, and may be relied upon as evidence of consent in any dispute or proceeding.
7. Customer Obligations
The customer confirms that all information and documents submitted are true, accurate, and belong to them, and agrees to promptly inform KG Finvest of any material change in circumstances affecting the loan application.
8. Limitation of Liability
KG Finvest's liability, if any, arising from these services is limited to the Professional Service Fee paid by the customer. KG Finvest is not liable for any decision made by the lending bank/NBFC, including rejection, delay, or modification of loan terms.
9. Governing Law
These Terms are governed by the laws of India, and any disputes shall be subject to the jurisdiction of the courts at Hyderabad, Telangana.
— End of Terms & Conditions and Privacy Policy —
Declaration: "I understand that KG Finvest is an independent loan advisory and processing service working with multiple banks and NBFCs. I voluntarily appoint KG Finvest as my loan processing consultant for this loan requirement for a period of 30 days and agree to the applicable Professional Service Fee. I consent to electronic records, electronic communications, and OTP-based acceptance as legally valid evidence of my consent."
For your records and as part of our audit trail, we log the date/time, IP address (where available), device/browser details, your mobile and email, the Terms & Conditions version accepted, and your email verification alongside your consent. A PDF copy of the accepted Terms will be emailed to you automatically upon submission.
Your Eligibility Report
Want to see your report before submitting? Generate it here anytime — you can download it as HTML or PDF, and it's released to you immediately.
💡 Why upload documents?
Analysis: lets our AI estimate the loan amount & EMI you can really get, from your actual income, EMIs and credit report.
Execution: lenders need the same KYC & income proofs to log in and sanction your loan — uploading now avoids delays.
Best lender, loan amount & EMI depend on your overall financial profile.
Already Applied?
Retrieve your application to view, edit, or check document status.
📋 Document Checklist
Frequently Asked Questions
Admin Login
Password required.
🔥 Firebase Storage Test
The Web SDK config is fetched from the backend at load time (never hardcoded here) —
this requires the deployed Cloud Function's fallback-proxy code so getFirebaseWebConfig
can reach Apps Script's Script Properties, where the key actually lives. Use the test below
to confirm Storage Rules are actually published and working — this is the check that
matters, since it goes through the same Rules-gated path a real customer's browser uses.
📧 Send Emails to All Customers
Manually triggers the seasonal / educational email campaign (financial education, EMI protection check, KG Finvest services) to everyone in the Verified Customers list — right now, instead of waiting for the daily schedule.
📅 Banker Monthly Reminder Settings
On the 1st of every month at 12:00am IST, every registered banker (one email per banker, even if they have multiple product listings) gets a reminder to review/update their listing.
⚙️ Document Requirements Settings
Toggle each document between Mandatory and Optional, and add further required documents — reflected live on the customer application page.
Eligibility Reports
Every "Check My Loan Eligibility" click (Part A) — including customers who checked but haven't submitted a full application yet.
💬 Follow Up — Verified but Didn't Continue
Customers who verified their email with an OTP (so we have their name, mobile, and email) but never went on to submit an application. "Complete Form" opens the Apply page pre-filled so admin can finish it on their behalf; "WhatsApp Nudge" opens a pre-filled message instead.
📋 All OTP-Verified Customers
Everyone who requested an identity-verification OTP, whether or not they went on to submit — the complete list this data comes from.
💳 Pending UTR Payments — Manual Confirmation
Customers who claim to have paid ₹499 via the "Scan & Pay" QR code and submitted a UTR/transaction reference number. Cross-check each UTR against your actual bank/UPI statement before confirming — entering a UTR is a claim, not proof.
📊 GST Billing Report
Professional-fee invoices generated after loan disbursement, with GST broken out separately. Admin only.
🤖 AI Loan Reports — Pending Approval
Paid (₹499) AI Loan Eligibility Assessment reports awaiting your review before they're PDF'd and emailed to the customer. Nothing is sent to a customer without approval here.
🏦 Banker Product Listings
Bank/NBFC products submitted by verified bankers (or entered by admin) — used to auto-match customer submissions. Click a product to view its full profile and export a PDF report.
Submitted Applications
Full applications submitted (Part B), with document completeness status.