Your customers
- Market traders
- Women in a housing society
- Office colleagues
- Relatives
Finance, insurance and kiosks · Services
MatruOS for a bhishi and BC committee
Set up the way a bhishi and BC committee runs: usually nothing formal: the organiser takes the first pot without bidding, or a small fixed share; in bid committees the organiser may keep a small part of the discount. Routines, workflows, registers, licences and an AI team that knows the work are ready when you sign up.
Ready when you sign up
- 6
- 1
- 2
- 3
- 4
- 2
What this solves
What a bhishi and BC committee deals with today, and what MatruOS sets up for it
Today
Arguments over who paid and who has already taken the pot. Reminding 20 members every month by phone.
In MatruOS
MatruOS sets up 6 routines, 1 workflow, 3 registers and 2 licences for a bhishi and BC committee, 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.
- Members
- organiser
- member who draws or bids; outside formal finance; next step up is a registered chit or an SHG
Your suppliers
- None
Credit and cash
Monthly contribution by a fixed date; pot paid the same day as draw or bid; late payers fined a small amount by group rule
Money comes in and goes out the same month; the organiser carries risk if a member pays late after taking the pot
Your screens use your words
CustomerMemberOrderRoundItemPotInvoiceContribution slipproductCommitteeSupplierOrganiser
How it works
How MatruOS is set up for a bhishi and BC committee
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Bhishi and BC committee", typed when you sign up.
- Recognised as a bhishi and BC committeeRoutines, 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 bhishi and BC committee
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.
Drafts the monthly reminder with amount and date and separate notes to members who paid late last time
Asks you before sending
Matches UPI credits and cash entries to members and drafts the paid and pending list for the group
Asks you before sending
Works out the winner's net pot and each other member's share of the bid, and drafts the round record
Asks you before sending
Totals groups and monthly value and warns when the organiser's activity looks like a business that needs chit registration
Works it out and shows you
1 / 4
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
8:00 pmCheck who has paid (collection days)
- 1Match UPI credits and cash with the member list
- 2Post the paid list in the group
Every week
SunChase late payers who have taken the pot
- 1List members who have taken the pot and are behind
- 2Call them and their guarantor
Every month
3rdReminder before the contribution date
- 1Post the amount due and the date in the group
- 2Message members who were late last month separately
10th 7:00 pmMonthly draw or bid meeting
- 1Confirm all contributions for the round are in
- 2Hold the draw among members who have not taken the pot, or open the bid
- 3Work out each member's share of the bid amount
- 4Pay the pot by bank transfer and post the record in the group
Every year
MarYearly check of group size against the law
- 1Total groups and monthly value run by you
- 2If running groups for profit or above the state limit, plan to register a chit or stop new groups
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.
Monthly round
- 1Contributions collected
- 2Draw or bid held with witnesses
- 3Members agree the resultNeeds approval
- 4Pot paid and record posted
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
Contributions
Draw and bid record
Group rules and the monthly round
Keep the group fair so nobody fights over money
When an informal group must become a registered chit
Stay on the right side of chit and deposit laws
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 |
|---|---|---|
| Monthly contribution (₹5,000 committee; members' own money) | 997119 | 0% |
| Monthly contribution (₹20,000 market committee) | 997119 | 0% |
| Late payment fine (group rule) | 997119 | 0% |
| Organiser's share (where agreed) | 997119 | 0% |
- Chit fund registrationIf it applies
- PANIf 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.
OrganiserCollects contributions, holds the draw or bid, pays the pot, keeps the notebook, chases late payers.
Co-organiserWitnesses draws, keeps a second copy of records, helps collect in big groups.
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 bhishi and BC committee?
Type one line about your business when you sign up, for example "Bhishi and BC committee". 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.
Finance, insurance and kiosks
Other services in finance, insurance and kiosks
Run a bhishi and BC committee 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