Bank Gold Loans

Appraisal Services

Phobos Appraisals aims to transform conventional gold appraisal system by introducing innovative, predictable and safe gold appraisal system.

Bank Gold Loans

Appraisal Services

Phobos Appraisals aims to transform conventional gold appraisal system by introducing innovative, predictable and safe gold appraisal system.

Why change appraisal system

Professionally trained

Professionally trained reliable appraisers available on demand from Phobos.

No indemnification

No indemnification by local appraisers for inefficient appraisals.

Innovative Ideas

Innovative ideas to adhere to banks policies of due diligence in evaluation.

Experienced

Experienced Top executive ex-bankers to co-ordinate the whole process and operations.

  • Need
  • Least Risk
  • Appraisals shortfall
  • Innovation

Our Services

Phobos Gold Appraisals

GoldGuru

Scope

Phobos Appraisals extends appraisal and reappraisal services for Gold Loans across all locations in India.

GoldGuru

Time bound

Locations are prioritized as per Bank's requirement and appraisal / re appraisal executed in a time bound manner.

GoldGuru

Daily & Monthly Reports

Daily / monthly reports submitted to the controlling offices to easily monitor progress.

Our Team


Mr.N S Bose

Founder and CEO

Mr. N S Bose, a post graduate in Science, has an enriched experience of nearly four decades in Canara Bank. He retired as a General Manager of Canara Bank. After serving Canara Bank, his zeal and energy allowed him to dedicate 8 years’ experience as Vice President and Head of Operations in Muthoot Fincorp Limited, one of the leading Gold Loan Companies in India.

Starting his career in April 1973 as Probationary Officer he rose to the senior positions quickly. Mr. Bose worked in various parts of the country. His experience in Branch Banking Operations, Business development, Credit Management Internal Audit, Vigilance, Recovery management , HR management and Credit review won many accolades for him.

During tenure in Canara Bank went on deputation for 3 years as Chairman of South Malabar Grameen Bank (presently Kerala Grameen Bank). Directly handled Treasury operations also.

Mr. Bose interests include reading, travelling and also takes part in philanthropic activities.

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Mr. D S Sridhar

Founder and CFO

Mr. D S Sridhar, a retired Deputy General Manager, from Canara Bank is a post graduate in Economics. He started his career in Canara Bank and was in charge of many branches across Karnataka, Mumbai and Delhi. Working as Branch Head of several prime Branches he has the distinction of achieving targets every single time.



Due to his excellent performance he rose to higher levels quickly. While heading as Deputy General Manager of Goa Circle, he steered the region to greater heights in many areas. Mr. Sridhar has done exemplary work in the areas of credit. He was known as man of vision and ideas. His mentoring and creating leadership among employees was also a quality well recognised.

Mr. Sridhar, completed nearly four decades in Canara Bank and was identified by Karnataka Urban Infrastructure Development and Finance Corporation, for the post of Deputy General Manager. His tenure of four years saw new developments and growth in the Corporation.

Mr. Sridhar has wide ranging interests including travel, reading and astronomy.

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Krishnaraj K Menon

Founder and COO

Krishnaraj K Menon, with a commerce degree and as an Associate of the Indian Institute of Bankers, has more than 2 decades of banking experience. He has an all-round exposure in banking operations and systems. Working both in the rural and urban areas, he has exposure to different sectors in Banking, including agriculture, retail banking and overseas business.

Pioneering the marketing movement in a PSB he had good exposure to several novel marketing strategies in the Banking sector.

Krishnaraj’s contribution in Quality Circle movement during his tenure with a PSB, gave him the opportunity to represent Quality Circle International Meet at Singapore. As a trainer for Quality Circle, he has mentored many teams to represent international events. He has also had the opportunity to work for a leading Financial Inclusion company. As the Regional Head, he could bring in robust systems in place to avoid fraud and misappropriations in the BC set up.

Krishnaraj has also wide ranging interests, including travel, sports, and reading.

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Get in touch with us

  • Phobosgold Technologies Pvt Ltd

    #202, 11 Floor,
    Anand Chambers,
    14/1 - 14th Cross Jayanagar,
    3rd Block, Bangaluru-560011

  • Email

    info@phobosgoldinc.com

  • Phone

    8892047803