Professional Audits & Valuation for Gold Loan Portfolios
Providing Solutions To Leading Banks & Largest NBFCs in India.
Founded in 2011 in Ahmedabad, Gujarat, Jay Bhairav Jewellers is a trusted leader in Gold Loan Audit and Valuation Services across India. We deliver accurate audits, transparent valuations, and professional risk management solutions for banks, NBFCs, and financial institutions.
Trusted by India's Leading Financial Institutions
Specialized Gold Loan Audit & Valuation Since 2011
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 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.
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Comprehensive Gold Loan Services
From packet-level audits to full-time valuation, we cover every aspect of gold loan risk management.
Packet Opening Audit
Thorough inspection and revaluation of sealed gold asset packets to ensure accuracy and transparency in loan assessments.
Touch & Feel Audit
Hands-on evaluation of physical assets by experienced assayers to confirm authenticity and quality with industry best practices.
Mystery Shopping Audit
Discreet evaluation of customer experience and service standards at gold loan branches to enhance compliance and efficiency.
On-Call Valuation
Authorized valuers conduct transparent on-call gold valuation at bank locations using approved testing methods and current market rates.
Full-Time Valuation
Dedicated full-time valuation staff at bank locations ensuring accurate assessment, transparency, and policy compliance.
Packet Counting Audit
Accurate physical count and tare weight verification of pledged gold packets for record accuracy and compliance.
How Our Audits Work
A structured, four-stage approach that delivers reliable results every time.
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.
The JBJ Advantage
What sets us apart from generic audit firms.
14+ Years of Expertise
Deep domain knowledge in gold loan operations, regulatory requirements, and risk management built since 2011.
Data-Backed Reports
Every finding is supported by photographic evidence, GPS timestamps, and quantified risk scores.
Strict Confidentiality
All customer data, loan details, and audit findings handled with professional discretion and ethics.
Pan-India Reach
We staff locally and coordinate centrally for consistency, speed, and geographic coverage across India.
RBI-Aligned Processes
Audit methodologies designed to align with RBI guidelines and NBFC regulatory compliance requirements.
Team Integration
We integrate seamlessly with your internal audit teams, providing templates and training alongside our services.