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.