Professional Audits & Valuation for Gold Loan Portfolios
Providing Solutions To Leading Banks & Largest NBFCs in India.
Jay Bhairav Jewellers Gold Audit & Valuation Services, founded in 2011 in Ahmedabad, Gujarat, is a trusted leader in Gold Loan Audit and Valuation Services in India. Since our inception, we have been committed to delivering accurate gold loan audits, transparent valuations, and professional risk management solutions for banks, NBFCs, and financial institutions. Our specialized services include gold loan audits, valuation accuracy checks, mystery shopping audits, packet counting audits, cash counting audits, branch asset verification, and customer satisfaction surveys. With years of proven expertise, our skilled team blends traditional gold appraisal knowledge with advanced auditing techniques to ensure compliance, minimize risks, and enhance operational efficiency. Headquartered in Ahmedabad, we proudly serve clients across India, making us one of the most reliable gold loan audit companies in the country.
Our Gold Loan Audit and Valuation services go beyond basic assessments — we focus on risk management, fraud detection, and operational transparency. By conducting detailed audits, packet-level verification, on-site inspections, and customer satisfaction surveys, we ensure that every gold loan is backed by accurate valuation and compliance-driven processes. Whether it is purity testing, weight verification, or loan-to-value calculations, our team provides data-backed reports and actionable insights that strengthen decision-making for financial institutions. With a commitment to accuracy, accountability, and customer trust, we help organizations safeguard their assets while delivering a seamless lending experience.
Services we offer
Packet Opening Audit
We provide thorough inspection and revaluation of sealed packets of gold assets to ensure accuracy and transparency in loan assessments. Our experienced assayers uphold the highest standards of risk management in every evaluation.
Gold Loan Audit - Touch & Feel
Our Touch & Feel Audit offers a hands-on evaluation of physical assets by experienced assayers to confirm authenticity and quality. With adherence to industry best practices, we instil confidence and reliability in asset valuations.
Gold Loan Mystery Shopping Audit
Our Mystery Shopping service assesses customer experience and adherence to service standards at gold loan branches through discreet evaluations. The insights help institutions enhance customer service, operational efficiency, and regulatory compliance.
Gold Loan Valuation - On Call
Our on-call gold loan valuer service allows customers to request authorized bank staff to conduct gold valuation at bank location, The valuation is carried out tranparently in the customer's presence using approved testing methods and current market rates, ensuring accuracy and security.
Gold Loan Valuation - Full Time
Gold loan valuation is available full time at the bank location through authorized staff. Gold is tested and valued using approved methods and current rates, ensuring accurate assessment, transparency, and compliance with bank policies for secure and relieble gold loan services.
Gold Loan Packet Counting Audit
Gold loan packet counting andtare weight audit service ensures accurate verification of pledged gold packets. Each packet is physically counted, sealed details checked, and tare weight verified to confirm correctness, helping maintain records accuracy, security, and complience with internal audit and control standards.
How our audits work
Plan & sample
We design a statistically valid sample across branches and products, finalize scope, and define evidence standards.
Field verification
On‑site valuation, photo & weight evidence with timestamps and GPS, plus surprise vault checks where required.
Analysis & reporting
We quantify risk, compute provisioning impact, and map process gaps with severity ratings.
Remediation & training
Actionable fixes with owners and timelines; targeted training for staff; optional re‑verification.
Founder
Sanjay Modi · Founder & Lead Auditor
Sanjay Modi is a commerce graduate with over 5 years of experience in the banking and non-banking finance sector. He specializes in gold loan audits, with extensive on-field audit exposure across banks and NBFCs. His expertise covers gold loan processes, regulatory compliance, and risk assessment. Having transitioned from core banking operations, he now focuses primarily on audit and compliance functions, particularly in the Gold Loan Audit and Valuation segment.
Our team
Oversees daily operations, team coordination, and service delivery to ensure efficient execution, quality control, and client satisfaction across all audit and valuation activities.
Ensures adherence to regulatory requirements, internal policies, and industry standards while managing compliance checks, risk controls, and audit integrity.
Frequently asked questions
How does a gold loan audit help institutions?
It helps improve control mechanisms, reduce fraud risk, ensure regulatory compliance, and strengthen overall gold loan portfolio quality.
Do you operate pan‑India?
Yes. We staff locally and coordinate centrally for consistency and speed.
Can you work with our internal audit team?
Absolutely — we integrate with existing cycles and provide templates and training.
Is confidentiality maintained during audits?
Yes, all customer data, loan details, and audit findings are handled with strict confidentiality and professional ethics.
Contact us
Office
Email: info@jaybhairavjewellers.com
Mobile: +91 9904300195
Phone: +91 9106396952