Your customers
- Farmers (sellers, as their agent)
- Traders and millers
- Cotton ginners
- Oil mills
- Exporters
- FCI and state procurement agencies
Farming and dairy · Services
MatruOS for an APMC commission agent
Set up the way an APMC commission agent runs: commission on every sale (grains and oilseeds 1-2.5% in open trade, fixed ₹ per quintal on MSP procurement), interest on farmer advances, charges for cleaning and loading, and own trading in some firms. Routines, workflows, registers, licences and an AI team that knows the work are ready when you sign up.
Ready when you sign up
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What this solves
What an APMC commission agent deals with today, and what MatruOS sets up for it
Today
J-forms for 100-500 farmers a day in peak written by hand late into the night. Buyers stretch credit beyond 30 days and some default.
In MatruOS
MatruOS sets up 8 routines, 2 workflows, 4 registers and 6 licences for an APMC commission agent, with an AI team that reads your own records and prepares the work.
What 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.
- Farmer
- (village aggregator)
- commission agent in APMC yard
- trader, miller, ginner or agency
- wholesaler
Your suppliers
- Farmers' produce consigned for sale
- Hamal and mathadi gangs
- Gunny bag dealers
- Transporters
Credit and cash
Agent pays the farmer within the state's time limit (often same day to 7 days) whether or not the buyer has paid; buyers get 7-30 days; procurement agencies pay commission and labour charges weeks later; farmer advances recovered from the next crops
Working capital of ₹ 25 lakh-5 crore is locked in farmer advances and buyer credit; peaks in Apr-May (rabi) and Oct-Dec (kharif); bank CC limit, family money and buyer prompt-payment discounts fund the gap
Your screens use your words
CustomerFarmerOrderHeapItemProduceInvoiceJ-formSupplierFarmerproductCommodity
How it works
How MatruOS is set up for an APMC commission agent
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "APMC commission agent", typed when you sign up.
- Recognised as an APMC commission agentRoutines, workflows, registers, items, licences and the AI team for this trade are set up for you.
- 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.
- 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 an APMC commission agent
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.
Builds each farmer's J-form from heap, weight and rate with deductions and advance recovery, prepares the bank payment batch and buyer bills, and flags cash above legal limits
Asks you before paying and sending
Ages buyer bills, shows each buyer against the credit limit, drafts reminders and lists buyers to stop bidding until paid
Asks you before sending
Totals market fee, cess and RDF for the month's return and makes the agency commission and labour claim statement
Asks you before sending
Keeps each family's running balance with interest, prepares the pre-season balance list and the annual hisab statement
Asks you before sending
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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 day
6:30 amMorning arrivals and heaps
- 1Note each trolley's gate entry, farmer and crop
- 2Tip into separate heaps and clean (jharna) where needed
- 3Check moisture of grain heaps with a meter before the auction
10:00 amAuction round with buyers
- 1Walk the heaps with buyers and the market committee clerk; call bids in open auction or on e-NAM
- 2Get each farmer's yes on the winning bid
- 3Note buyer and rate against each heap
5:30 pmWrite J-forms and pay farmers
- 1Weight from stamped scale, rate from auction; deduct hamali, tulai and any agreed advance
- 2Give the J-form and pay by bank within the state's limit
- 3Bill each buyer with commission and market fee
Every week
Mon, ThuBuyer dues and credit limits
- 1List buyers past due and over their limit
- 2Call or message, and stop bids from defaulters after the arhtiya's yes
SunWeekly hamali settlement
- 1Total bags unloaded, filled and loaded per gang
- 2Pay at the union or market committee rate and keep the receipt
Every month
7thMonthly market fee return and agency claims
- 1Market fee, development cess and RDF from the month's J-forms
- 2File the return with the market committee and pay
- 3Agency commission and labour charges claimed against procurement done
Every year
OctAnnual hisab with farmer families
- 1Statement per family: advances, interest, sales credited, payments
- 2Sit with each family, settle and carry the balance
- 3Renew the APMC licence and stamp the scales
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.
Open auction sale to payment
- 1Gate entry and heap
- 2Auction and farmer agreesNeeds approval
- 3Weighed and loaded
- 4J-form and farmer paid
- 5Buyer billed and pays
MSP procurement through the agency
- 1Farmer registered on portal
- 2Cleaned to FAQ
- 3Agency inspector passesNeeds approval
- 4Filled, stitched and loaded
- 5J-form uploaded and farmer paid by DBT
- 6Commission and labour claimed and receiv
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.
J-forms (sale pattis)
Farmer khata
Buyer ledger
Market fee and agency claims
Sale and payment to the farmer
Sell in open auction and pay the farmer correctly on time
Grain quality for MSP and fair weight
Pass the agency check and weigh correctly
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.
| Item | HSN | GST |
|---|---|---|
| Commission on sale of agricultural produce | 998619 | 0% |
| MSP procurement commission (dami) wheat | 998619 | 0% |
| MSP procurement commission (dami) paddy | 998619 | 0% |
| Cleaning and loading charges recovered | 998619 | 0% |
| Interest on farmer advances | 997113 | 0% |
| Wheat (own trading) | 10019910 | 0% |
| Paddy (own trading) | 10061090 | 0% |
| Mustard seed (own trading) | 12075010 | 5% |
| Soybean (own trading) | 12019000 | 5% |
| Raw cotton kapas (own trading) | 52010015 | 5% |
- APMC mandi licence
- GST registrationIf it applies
- Trade licenceIf it applies
- Money-lender or pawnbroker licenceIf it applies
- Weighing scale stamping
- PAN
Your people
The people who run it, each with their own login
Each person sees the screens and reminders for the work they do.
ArhtiyaKeeps farmer relationships and advances, sets buyer credit limits, attends auctions, handles procurement agencies and the bank.
MunimWrites J-forms and buyer bills, keeps khata and bahi, files market fee returns and GST, follows up dues.
Phad staffArranges heaps, cleans, fills and weighs bags, keeps bag count.
Hamal mateRuns the loading gang, unloads, stitches and loads trucks.
FarmerBrings produce, accepts or refuses the bid, takes the J-form.
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 an APMC commission agent?
Type one line about your business when you sign up, for example "APMC commission agent". 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.
Run an APMC commission agent 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.
See plans and what each includes