Know Your Loan File Strength Before You Apply — With KG Finvest Expertise
Get your loan file professionally reviewed for financial strength, credit profile, repayment capacity and documentation gaps before you approach a lender.
Important: No one can guarantee loan approval. This is a professional financial, credit and documentation review — an assessment and advisory service, not a promise of approval. Final lending decisions always remain solely with the respective bank/NBFC.
Let's Check Your Loan File Strength
A few basic details to get started.
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Incomplete, inconsistent, or outdated supporting documents.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.
