Trusted Gold Loan Audit Experts Since 2011
A decade-plus of specialized expertise in gold loan auditing, valuation, and compliance services for India's leading financial institutions.
Built on Trust, Driven by Precision
Jay Bhairav Jewellers Gold Audit & Valuation Services was founded in 2011 in Ahmedabad, Gujarat, with a singular mission: to bring professional, transparent, and accurate gold loan audit services to India's rapidly expanding financial sector.
As gold loan portfolios grew exponentially with the rise of banks and NBFCs in this space, so did the need for independent, specialized audit partners who understood both the nuances of gold assessment and the rigors of financial compliance.
Since our inception, we have served some of India's most prominent financial institutions, building a reputation for accuracy, confidentiality, and actionable insights that genuinely improve portfolio quality and reduce risk.
Founded in Ahmedabad
Jay Bhairav Jewellers established as a specialist gold loan audit and valuation firm serving local banks.
NBFC Partnerships Commence
Expanded services to cover leading NBFCs, developing the mystery shopping and packet counting audit frameworks.
Pan-India Operations
Scaled operations across multiple states, deploying local teams with centralized quality oversight.
Full-Time Valuation Model Launched
Introduced dedicated on-site valuer placement at high-volume gold loan branches across India.
Professional PAN India Audit Services
Expanded nationwide audit services across India to ensure standardized processes, accurate reporting, and strong internal controls.
The Principles That Guide Us
Accuracy
Every valuation and audit finding is meticulously verified, backed by evidence, and held to the highest standards of precision.
Transparency
We provide clear, comprehensive reports that tell institutions exactly what they need to know — without ambiguity.
Confidentiality
Customer data, audit findings, and institutional information are handled with absolute discretion and professional ethics.
Compliance
Our processes are designed to align with RBI guidelines, NBFC regulations, and institutional policy requirements.
Integrity
Independence and impartiality are non-negotiable. Our findings reflect reality, not what anyone wants to hear.
Meet Our Founder
Sanjay Modi
Founder & Lead AuditorSanjay Modi is a commerce graduate with over 14 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 across India.
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.
Sanjay founded Jay Bhairav Jewellers in 2011 with a vision to bring professional, independent audit services to the gold loan industry — a segment that, despite its enormous scale, lacked specialized external audit partners. Today, that vision has been realized through a pan-India operation serving India's leading financial institutions.
The People Behind JBJ
Experienced professionals committed to delivering accurate, compliant, and actionable audit outcomes.
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 across all engagements.
Partner with India's Trusted Gold Audit Experts
14+ years of specialized expertise, pan-India reach, and a proven track record of improving gold loan portfolio quality.