Your customers
- Member farmers
- Non-member villagers (CSC, medicine, fuel)
- Procurement agencies (as purchase centre)
Farming and dairy · Services
MatruOS for a primary agricultural credit society
Set up the way a primary agricultural credit society runs: interest margin on crop and term loans (DCCB refinance rate vs member rate plus subvention), margin on fertiliser, seed and pesticide sales, CSC and other service fees, warehouse rent, fuel or LPG margins, procurement centre commission. 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 a primary agricultural credit society deals with today, and what MatruOS sets up for it
Today
Overdue loans block fresh refinance and members lose the prompt-repayment benefit. New business lines (CSC, medicine, fuel, warehouse) mixed into one cash book.
In MatruOS
MatruOS sets up 8 routines, 1 workflow, 4 registers and 10 licences for a primary agricultural credit society, 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.
Your suppliers
- DCCB (refinance and deposits)
- Fertiliser companies and marketing federation
- Seed corporation
- Oil company or LPG company
- Jan Aushadhi supplier
Credit and cash
Kharif loans due by 31 Mar and rabi loans by 30 Jun of the following year for prompt-repayment benefit; DCCB refinance repaid on the same cycle; fertiliser from the federation on cash or short credit
Loans go out in May-Jul and Oct-Dec; recovery comes Jan-Jun after harvests; overdue members block fresh refinance and the society's own borrowing power
Your screens use your words
CustomerMemberOrderLoanItemLoanInvoiceLoan ledgerproductService
How it works
How MatruOS is set up for a primary agricultural credit society
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Primary agricultural credit society", typed when you sign up.
- Recognised as a primary agricultural credit societyRoutines, 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 a primary agricultural credit society
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.
Lists loans due in 30 days and overdue by village, drafts member reminders in the local language with the prompt-repayment benefit, and prepares the subvention claim list
Asks you before sending
Prepares monthly profit and cash by business line and the DCCB demand-collection-balance return
Works it out and shows you
Compares PoS stock with physical stock each day by product and flags any difference
Works it out and shows you
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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
9:30 amOpen office, cash and fertiliser counter
- 1Opening cash counted and written in the cash book
- 2Sell fertiliser only on PoS with Aadhaar authentication
- 3Stock and price board updated
5:30 pmEvening cash and PoS reconciliation
- 1Bags sold on PoS equal bags out of the godown
- 2Cash of each business line counted and deposited or kept in the safe
Every week
MonWeekly recovery follow-up
- 1List loans falling due in 30 days and overdue loans by village
- 2Call or message members; plan village visits with committee members
Every month
5thMonthly managing committee meeting
- 1Place loan applications, recovery position and business-wise results
- 2Record resolutions in the proceedings book
10thMonthly business-wise accounts and DCCB returns
- 1Trial balance and profit by business line
- 2Returns to DCCB: loans, recovery, demand and collection
- 3GST returns for taxable business lines
Every year
Jul, Aug, SepAnnual audit and general body
- 1Close accounts for the year and present to the co-operative auditor
- 2Answer audit objections; note the audit class
- 3Hold the annual general body meeting and approve accounts
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.
Crop loan from application to repayment
- 1Member applies with land papers
- 2Limit worked out
- 3Committee sanctionsNeeds approval
- 4Disbursed in cash and kind
- 5Repaid with interest
- 6Subvention claimed
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.
Members
Loan ledger
Fertiliser and input stock
Business lines day book
Crop loan within the scale of finance
Lend the right amount to the right member and keep the society eligible for refinance
Fertiliser sale on PoS
Keep PoS and physical stock equal and the licence safe
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 |
|---|---|---|
| Interest on crop loan (KCC) | 997113 | 0% |
| Interest on term loan (dairy or machinery) | 997113 | 0% |
| Urea (45 kg bag) | 31021000 | 5% |
| DAP (50 kg bag) | 31053000 | 5% |
| Wheat or soybean seed (certified) | 10019910 | 0% |
| Pesticide | 38089199 | 18% |
| Generic medicines (Jan Aushadhi) | 30049099 | 5% |
| CSC service fee | 998599 | 18% |
| Warehouse rent for agricultural produce | 996721 | 0% |
| Custom hiring of tractor or implement | 998611 | 0% |
| LPG cylinder 14.2 kg (domestic) | 27111900 | 5% |
| Procurement centre commission | 998619 | 0% |
- Co-operative society registration
- Fertiliser licence
- Seed licence
- Pesticide licence
- Retail drug licence (Forms 20/21)If it applies
- PESO licence (fuel, gas or explosives)If it applies
- Weighing scale stamping
- GST registration
- PAN
- TAN (tax deduction account number)
Your people
The people who run it, each with their own login
Each person sees the screens and reminders for the work they do.
SecretaryRuns the office, prepares loans and recovery lists, keeps books and registers, deals with DCCB and auditors.
Managing committeeSanctions loans, approves new businesses and spending, meets every month.
SalesmanRuns the fertiliser and input counter on PoS, keeps stock.
CSC operatorRuns CSC services and other counters.
MemberBorrows and repays, buys inputs, attends the general body.
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 primary agricultural credit society?
Type one line about your business when you sign up, for example "Primary agricultural credit society". 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.
Farming and dairy
Other services in farming and dairy
Run a primary agricultural credit society 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