IOB Gold Nest is a secure, purpose-built mobile application designed to streamline the jewel loan appraisal and documentation process for Indian Overseas Bank. The app enables authorized bank employees and appraisers to digitally capture, verify, and upload real jewellery ornament images during jewel loan initiation, ensuring transparency, accuracy, and faster processing.

The application follows a controlled workflow where users authenticate through role-based login (Employee/Appraiser), scan a secure QR code to initiate a jewel loan case, and upload high-quality images of jewellery ornaments in real time. Built-in validation rules ensure that only original, clear, and compliant images are submitted, reducing manual errors and rework.

With a simple, guided user interface and secure backend integration, IOB Gold Nest supports efficient appraisal, improved audit readiness, and enhanced customer trust while significantly reducing turnaround time in jewel loan processing.

Key Features

Role-Based Secure Login
Separate access for IOB employees and authorized appraisers.

QR Code–Based Case Initiation
Securely link jewel loan cases using QR scan before image capture.

Real-Time Jewellery Image Capture
Capture and upload original images of gold ornaments during appraisal.

Image Validation Controls

Plain or light-colored background enforcement

No screenshots or photocopies

Upload up to 5 original images per case

Guided Upload Experience
Simple step-by-step flow with upload confirmation and success alerts.

Audit & Compliance Ready
Digital image records support transparency and regulatory compliance.

Faster Loan Processing
Reduced manual documentation and quicker appraisal turnaround.