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About Us

Redefining Gold Loan Appraisals

Built by bankers, for banks. We bring decades of public sector banking experience to transform gold loan appraisal processes.

Our Mission

The Priyoshi Gold was founded with a singular mission: to eliminate the inefficiencies, risks, and compliance gaps in conventional gold loan appraisal systems. We leverage our founders' combined 70+ years of public sector banking experience to deliver appraisal services that banks can trust completely.

Professionally Trained Appraisers

Our appraisers undergo rigorous training in gold purity testing, valuation methods, and banking compliance. Unlike local appraisers, they follow standardized processes that eliminate subjectivity and ensure consistency.

No Indemnification Burden

Banks no longer need to bear the risk of inefficient appraisals. Our comprehensive documentation, quality checks, and professional liability coverage protect your institution from appraisal-related losses.

Innovative Due Diligence

We've developed proprietary methods that go beyond basic weight and purity checks. Our multi-point verification process includes photo documentation, variance analysis, and fraud detection protocols.

Ex-Banker Leadership

Our operations are coordinated by experienced ex-bankers who understand credit policies, risk management, and regulatory requirements. They speak your language and anticipate your needs.

Governance & Compliance First

Our processes are designed to meet and exceed RBI guidelines and bank audit requirements

RBI Guideline Adherence

Every appraisal follows RBI's master circular on gold loans, including proper valuation methods, loan-to-value ratios, and documentation requirements.

Audit-Ready Documentation

Complete audit trails with timestamped photos, appraiser credentials, purity test results, and supervisor approvals. Internal and external auditors can verify every appraisal.

Quality Circles & Continuous Improvement

Our COO pioneered quality circles in banking operations. We conduct regular reviews, appraiser feedback sessions, and process improvements based on field learnings.

Data Security & Privacy

Customer data is handled with bank-grade security. Our systems are ISO-compliant, and appraisers sign strict confidentiality agreements.

Our Journey

Built on decades of banking excellence

1980s-2000s

Foundation in Public Sector Banking

Our founders began their careers in leading public sector banks, gaining deep expertise in credit operations, treasury management, and retail banking across multiple regions.

2000s-2010s

Leadership & Innovation

Progressed to senior leadership roles including DGM positions, managing large loan portfolios, implementing quality circles, and driving operational excellence initiatives.

2010s

Gold Loan Specialization

Identified critical gaps in gold loan appraisal processes while managing gold loan portfolios worth hundreds of crores. Developed innovative solutions to address indemnification risks and quality issues.

2020

The Priyoshi Gold Founded

Launched The Priyoshi Gold to bring professional, bank-compliant appraisal services to the industry. Started with pilot programs with select PSBs.

2021-Present

Pan-India Expansion

Scaled operations across India, built a network of trained appraisers, and established partnerships with multiple public and private sector banks. Completed 5000+ appraisals with 99.9% accuracy.