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Clothing and textiles · Traders and distributors

MatruOS for a kapas adatiya

Set up the way a kapas adatiya runs: commission (dami) on each farmer sale, hamali and tulai margins, interest on crop advances to farmers, and some own-account kapas trading. Routines, workflows, registers, licences and an AI team that knows the work are ready when you sign up.

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Clothing and textilesReady when you sign up

  • 9routines on a timetable
  • 2workflows with approvals
  • 2SOPs and checks
  • 4registers of your own
  • 3jobs for your AI team
  • 7licences tracked

7-day free trial, no card needed.

What this solves

What a kapas adatiya deals with today, and what MatruOS sets up for it

01Today

Ginners pay 30-60 days late while farmers want money the same day, so the adatiya's own capital is stuck. Crop advances are not netted against sales and slip into next season.

02In MatruOS

MatruOS sets up 9 routines, 2 workflows, 4 registers and 7 licences for a kapas adatiya, with an AI team that reads your own records and prepares the work.

03What changes

The right person is reminded at the right time, approvals wait for whoever decides, and every licence has a renewal reminder. Anything that sends, pays, signs, files or deletes waits for a person's approval.

Where you sit

MatruOS starts from how your business earns

Who you sell to, who you buy from, how credit moves and where you sit in the chain decide how your screens, reminders and reports are set up.

  1. farmer
  2. adatiya (APMC yard)
  3. ginner
  4. broker
  5. mill

Your customers

  • Ginners and cotton traders (buyers at the auction)
  • Farmers (pay commission and charges in some states)

Your suppliers

  • No raw material; finances farmers' crop advances from own funds and bank overdraft
  • Hamal gang
  • APMC yard

Credit and cash

Pays the farmer same day to 7 days (APMC rule, by bank above the state cash limit); ginners pay the adatiya 0-30 days, 45-60 in a slump; farmer advances given Apr-Sep and recovered from Oct-Jan sales

Lends dadni in the sowing season, pays farmers before ginners pay, so peak cash need is Oct-Jan; a small adatiya has Rs 20-80 lakh out at peak

Your screens use your words

  • CustomerFarmer
  • OrderHeap
  • ItemKapas
  • InvoicePakki patti
  • SupplierGinner
  • productKapas

How it works

How MatruOS is set up for a kapas adatiya

Set-up takes a few minutes. After that, you change only what is different in your business.

  1. Describe the business in one lineFor example "Kapas adatiya", typed when you sign up.
  2. Recognised as a kapas adatiyaRoutines, workflows, registers, items, licences and the AI team for this trade are set up for you.
  3. Bring your dataCustomers, items and balances come across from Zoho Books, Vyapar, Excel and others. For Tally, our team helps you move the data while Tally import is checked on the live app.
  4. Approve and runThe AI team prepares the routine work. A person approves anything that sends, pays, signs, files or deletes.

Your AI team

What the AI team does for a kapas adatiya

Each job goes to a member of your AI team. It reads your own records and prepares the work. Anything that sends, pays, signs, files or deletes waits for a person's approval.

Sales executive

Each morning compares yesterday's modal rate with MSP and CCI centre openings, and drafts a short WhatsApp note to regular farmers on whether to bring kapas

Reads heap and auction book, daily rates entered or read from the APMC rate board and MSP for the season

Asks you before sending

Accountant

Builds each pakki patti from the weighment and auction rate with commission, hamali, tulai and market fee, shows the farmer's open advance and the agreed netting, and fills the month's market fee totals

Reads heap and auction book, farmer khata and advances and weighbridge slip photos

Asks you before paying

Accountant

Ages each ginner's bills every Monday and Thursday, drafts reminders with the patti list, and flags ginners to stop at the auction

Reads ginner ledger

Asks you before sending

1 / 3

How you run

Your routines, already on a timetable

Each routine has a time, a person and its steps with the checks that matter. MatruOS reminds the right person and keeps the record. Open one to see its steps.

Every day4

  • 7:00 amReceive farmers and heap the kapasHamal mukadam · 3 steps
    1. 1Unload each trolley into a numbered heap; give the farmer a heap slip
    2. 2Note farmer, village and phone in the heap book
    3. 3Moisture by meter on each heap
  • 9:00 amCheck the bhav against MSP and CCI before the auctionAdatiya · 3 steps
    1. 1Note yesterday's high, low and modal rate and the MSP for the variety
    2. 2Check which CCI centres are open and buying
    3. 3Tell regular farmers by WhatsApp whether to bring or hold
  • 10:00 amRun heaps through the auction and weighmentAdatiya · 3 steps
    1. 1Walk the auction with the market committee; note winning ginner and rate for each heap
    2. 2Weigh on the yard weighbridge; agree kasar with the buyer in front of the farmer
    3. 3Load and send to the ginner with the weighment slip
  • 5:00 pmMake pakki pattis and pay farmersMunim · 3 steps
    1. 1Patti per heap: weight, rate, value, commission, hamali, tulai, market fee
    2. 2Net the farmer's open advance only as agreed with him
    3. 3Pay by bank above the state cash limit; give the farmer his patti

Every week2

  • Mon, ThuChase ginners for paymentAdatiya · 2 steps
    1. 1Age each ginner's bills; list those past 15 and 30 days
    2. 2Send the patti list and balance; stop auction lots to ginners past the limit
  • SatPay the hamal gangMunim · 2 steps
    1. 1Quintals handled per gang from the heap book
    2. 2Pay at the agreed rate; note in the hamal sheet

Every month1

  • 10thMarket fee and APMC returnsMunim · 2 steps
    1. 1Total arrivals and sale value for the month
    2. 2File the market fee and cess return with the market committee; pay the fee

Every year1

  • Mar, AprSeason-end settlement of farmer khatas and licence renewalAdatiya · 3 steps
    1. 1Settle each farmer's khata; carry forward unpaid advances with a note
    2. 2Renew the APMC licence and bank overdraft
    3. 3List ginners with unpaid bills over 60 days

Workflows

Each stage goes to the person who handles it

Work passes stage by stage to the right person. Stages marked for approval wait for the person who decides.

Heap to farmer payment

  1. 1Heap unloaded and slip givenHamal mukadam
  2. 2Auctioned to a ginnerAdatiya
  3. 3Weighed and kasar agreedHamal mukadam
  4. 4Pakki patti made with deductionsMunim
  5. 5Payment and any advance recovery approveAdatiyaNeeds approval
  6. 6Farmer paidMunim

Crop advance to a farmer

  1. 1Farmer asks for advanceField man
  2. 2Amount and terms approvedAdatiyaNeeds approval
  3. 3Paid and signed forMunim
  4. 4Recovered from saleMunim

Registers and SOPs

Your registers and standards

Registers hold the fields this trade records. SOPs carry the steps and checks, so work is done the same way every time.

  • Heap and auction book

    Date · Farmer · Village · Phone · Heap number · Buyer (ginner) · Rate per quintal · Net weight (quintal)

  • Farmer khata and advances

    Farmer · Village · Date · Entry · Amount · Balance · Bank account

  • Ginner ledger

    Ginner · Bill date · Quintals · Bill amount · Due date · Received · Days outstanding

  • Hamal and tulai sheet

    Date · Hamal or gang · Quintals handled · Rate · Paid

  • Heap handling and weighment

    Weigh fairly so the farmer and the ginner both trust the patti

    4 steps with checks

  • Farmer payment and advance netting

    Pay the farmer correctly and on time and recover advances only with consent

    4 steps with checks

Items and licences

Your first bill is right, and no licence lapses

Starter items arrive with unit, HSN and GST rate. The registrations this business usually needs are listed with a reminder before each one expires.

ItemHSNGST
Commission on kapas sale (dami) · quintal9962110%
Hamali (unloading and heaping) · quintal9962110%
Tulai (weighing charge) · quintal9962110%
Interest on crop advance · month9971130%
Kapas sold on own account · quintal52015%
Cotton seed for sowing (packet) · packet12070%
  • APMC mandi licenceAPMC (Agricultural Produce Market Committee)
  • GST registrationGST department (GSTN)If it applies
  • Shops and Establishments registrationState labour department (Shops and Establishments Act)
  • PANIncome Tax Department
  • Money-lender or pawnbroker licenceState registrar of money-lendersIf it applies
  • Weighing scale stampingLegal Metrology departmentIf it applies
  • Seed licenceState agriculture department (Seeds Control Order 1983)If it applies

Your people

The people who run it, each with their own login

Each person sees the screens and reminders for the work they do.

AdatiyaKeeps ginner buyers coming, decides crop advances, approves farmer payments and advance recovery.
MunimWrites kachi and pakki patti, keeps khatas, files market fee and cess returns.
Hamal mukadamUnloads and heaps, weighs, loads ginner lorries, leads the hamal gang.
Field manVisits villages, meets farmers before harvest, collects advance repayments.

Not covered yet

  • Sending messages, bills and reminders on WhatsApp from MatruOS is not live yet. Today they go by link, QR code or email, and from your own phone in one tap.
  • Live bank and UPI feeds are not connected yet. Upload a bank statement and MatruOS reads it into payments for you to confirm.

Questions people ask

How long does it take to set up MatruOS for a kapas adatiya?

Type one line about your business when you sign up, for example "Kapas adatiya". MatruOS picks this business type and sets up everything on this page in a few minutes. You then get a 7-day free trial, no card needed.

Do I have to type all of this in?

No. The routines, workflows, registers, items, licences and AI team on this page arrive already set up. You change what is different in your business, and bring your customers, items and balances from Zoho Books, Vyapar, Excel and others, with our team's help for Tally data.

Can I change the routines and workflows?

Yes. Every routine, workflow, register and SOP is yours to rename, retime, switch off or add to. MatruOS keeps the rest of the system in step with your changes.

What does the AI team do without asking me?

It runs routine checks and prepares drafts. Anything that sends, pays, signs, files or deletes waits for a person's approval. The one exception you can choose is payment reminders, which go out on their own once you have checked them and switched them on.

Clothing and textiles

Other traders and distributors in clothing and textiles

All 141 business types in clothing and textiles

Run a kapas adatiya on one system Set up for your trade when you sign up.

Describe your business once. MatruOS sets up your apps, brings in your data and puts Muni and the AI team to work, with your approval on every step that matters. 7-day free trial, no card needed.

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