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.
Why KG Finvest Professional Charges?
KG Finvest provides professional support throughout your loan journey, from eligibility assessment through processing, disbursement and ongoing loan support.
Your Current Update
View / Open Document →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 Financial Assessment Report (₹999 + GST)
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. This is entirely optional and is never required to submit or process your application.
Why Pay for an AI Financial Assessment 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. This ₹999 + GST charge is optional and is entirely separate and independent from the standard Professional Service & Loan Charges described below, which apply only if you proceed with a loan through KG Finvest. Payment of this charge 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. By proceeding, you agree to KG Finvest's Terms & Conditions and Privacy Policy.
💳 This is optional — by paying ₹999 + GST below, you will receive an AI Financial Assessment Report. You do not need to pay anything to submit your application or upload documents.
Scan with any UPI app (BHIM, GPay, PhonePe, Paytm) and pay ₹999 + GST. After paying, enter the UTR/transaction reference number shown in your payment app below.
Online payment for this service is temporarily unavailable — please contact KG Finvest directly at 8555925281 to arrange your assessment.
Professional Service & Loan Charges
These charges apply only if you choose to proceed with a loan through KG Finvest — separate and independent from the optional AI Financial Assessment Report above. This covers KG Finvest's continued support throughout your loan process, including bank/NBFC selection, documentation guidance, and follow-up through to sanction, MODT and disbursement.
1. Financial Assessment of Documents + Bank Selection — ₹1,499 + GST
Payable at the commencement of professional financial assessment, document review, CIBIL/FOIR analysis, and identification of suitable banks/NBFCs for your profile. Non-refundable.
2. End-to-End Loan Process Support — 1% of the loan amount + GST
Covers continued KG Finvest support through application processing, query resolution, sanction, documentation, MODT (Memorandum of Deposit of Title Deeds) and disbursement. Payable upon successful loan disbursement, calculated on the actual amount disbursed. 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 disbursement: only the ₹1,499 + GST Financial Assessment charge applies — the End-to-End Loan Process Support charge does not become payable, since it is only triggered by an actual disbursement event.
KG Finvest's engagement is limited to advisory, documentation-coordination and process-support services conducted remotely/digitally — no physical branch visits or in-person meetings are included as part of this service.
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.
⚠ 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). All documents listed below are required for a complete review.
⚡ Uploading your documents now means faster screening — our team can review your file sooner instead of waiting to request them later.
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.
If your property document is long, split it across multiple files and upload each one below — you don't need to fit it into a single file.
Don't have it yet? Download your credit report from cibil.com or a similar bureau/aggregator site.
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: KG Finvest charges a Financial Assessment of Documents + Bank Selection fee of ₹1,499 + GST, payable once your application and documents are ready for review. If you proceed with KG Finvest and your loan is disbursed, an End-to-End Loan Process Support fee of 1% of the loan amount disbursed + GST additionally applies, covering support through application processing, sanction, documentation, MODT and disbursement. These are 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.
KG Finvest's services under this fee are advisory, documentation-coordination and process-support in nature, conducted remotely/digitally — no physical branch visits or in-person meetings are included. Payment of this fee does not guarantee loan approval, sanction, or disbursement.
📜 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. KG Finvest's services are advisory, documentation-coordination and process-support in nature, and are conducted remotely/digitally — no physical branch visits or in-person meetings are included as part of this service.
2. Professional Service Fee
The customer agrees to pay KG Finvest a Financial Assessment of Documents + Bank Selection fee of ₹1,499 + GST, payable once the application and required documents are ready for review — this covers financial assessment, document review, CIBIL/FOIR analysis, and identification of suitable banks/NBFCs for the customer's profile, and is non-refundable.
If the customer proceeds with KG Finvest and the loan is disbursed, an End-to-End Loan Process Support fee of 1% of the loan amount disbursed + GST additionally applies, payable to KG Finvest for continued support through application processing, query resolution, sanction, documentation, MODT (Memorandum of Deposit of Title Deeds) and disbursement. This fee is calculated on the actual amount disbursed and is non-refundable. 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. Payment of the Professional Service Fee described above 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
Professional service charges, if applicable, will be displayed after the required documents are submitted.
KG Finvest provides professional assistance throughout the loan process, including assessment, lender/bank selection, coordination and process support. Applicable professional service charges are stage-based and are displayed only after the required documents are submitted.
Frequently Asked Questions
Admin Login
Admin email and 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 via the "Scan & Pay" QR code and submitted a UTR/transaction reference number (₹499 for existing applications on the legacy fee structure, ₹1,499 + GST for new applications). Cross-check each UTR against your actual bank/UPI statement before confirming — entering a UTR is a claim, not proof.
💳 Payment & Discount Settings
Controls the assessment/review payment section shown on BOTH the main application page and the loan-analysis page. Applies immediately to both.
Independent of the toggle above — controls whether each charge tier's own explanation appears in the fee-structure content shown to customers. An already-issued invoice for a stage always shows its real charge regardless of this setting; this only affects proactive fee-structure explanations.
Old fee-tier toggles below are kept for backward compatibility with existing applications still on the previous 3-charge structure — they no longer affect this page's own customer-facing text, which now shows only the new 2-charge structure above.
📊 GST Billing Report
Professional-fee invoices generated after loan disbursement, with GST broken out separately. Admin only.
🤖 AI Loan Reports — Pending Approval
AI-generated financial assessment reports awaiting your review before they're PDF'd and emailed to the customer — both paid (₹499) AI Financial Assessment Reports and free analyses (e.g. the "Generate AI Analysis" / "Start Advisor Research" tools) appear here together, clearly labeled below. 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.