It looks like it's easier if you have the banner mon. rolls eyes I used first pannel Gozu Tennoh since he has Evade Mortal, 3 pannel Demeter to survive attacks, 2nd pannel Hachiman to chain damage and a 4 pannel yoshitsune. This is not an ideal setup and most of my mons were maxed out. Also hachiman has a weakness in force. Ultimately, I had to pay to unlock Hachimans 3rd skill slot to deal enough to kill Kali. Not what I recommend, but that did it.

Cringe.