Your customers
- Households needing short-term cash
- Small traders and vendors
- Farmers before sowing
- Daily-wage and migrant families
- Jewellery buyers wanting to switch ornaments
Finance, insurance and kiosks · Services
MatruOS for a gold loan or pawnbroker
Set up the way a gold loan or pawnbroker runs: interest on loans against gold and silver ornaments; small valuation or ticket charge where the state act allows; auction surplus goes back to the borrower, so profit is only interest and costs. 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 gold loan or pawnbroker deals with today, and what MatruOS sets up for it
Today
Interest worked out by hand on hundreds of tickets; mistakes and arguments at redemption. Overdue pledges forgotten until the gold is worth less than the loan.
In MatruOS
MatruOS sets up 9 routines, 2 workflows, 4 registers and 8 licences for a gold loan or pawnbroker, 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.
- Own or bank funds
- pawnbroker
- borrower; beside gold loan NBFCs and bank gold loans; unredeemed ornaments
- public auction
- jewellers
Your suppliers
- Own capital and family money
- Bank overdraft or loan against property
- Assayer or hallmarking centre (disputed purity)
- Safe and strongroom makers
- Stationery printer (pawn tickets)
Credit and cash
Loans for 3-12 months, often renewed; interest monthly or at redemption; grace of a few days after due date; notice before auction; customers pay cash or UPI
Capital locked in loans; interest comes in when people redeem, so cash peaks after harvest and before festivals; new pledges peak in June (school fees and sowing) and in the wedding months
Your screens use your words
CustomerBorrowerOrderPledgeItemOrnamentInvoicePawn ticketproductLoanSupplierLender
How it works
How MatruOS is set up for a gold loan or pawnbroker
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Gold loan / pawnbroker", typed when you sign up.
- Recognised as a gold loan or pawnbrokerRoutines, 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 gold loan or pawnbroker
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.
Totals the day's loans and repayments, works out expected cash, flags the difference and any packet not marked back in the safe
Works it out and shows you
Works out interest due on each live pledge to date, lists overdue ones and drafts polite WhatsApp reminders in the borrower's language
Asks you before sending
Revalues every live pledge at the lower of today's rate and the 30-day average and lists loans where loan plus interest is above the safe limit
Asks you before sending
Lists pledges past redemption and grace, drafts the written notice with amount and last date, and proposes auction date and reserve price
Asks you before sending and signing
Prepares each borrower's yearly statement and the return of loans for the registrar in the state's format
Asks you before sending
1 / 5
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
9:45 amOpen the safe and tally packets
- 1Open the strongroom with two keys and check the seal on the door
- 2Count today's redemption packets against the list
- 3Note the opening cash in the cash book
- 4Update the board with today's 22K and silver rate
7:00 pmDay close (cash and packets)
- 1Total loans paid and repayments received in the pledge book
- 2Count cash and match the cash book
- 3Put new packets in the safe in number order
- 4Lock the safe and check the CCTV is recording
Every week
MonInterest due and overdue pledges list
- 1List pledges past due date or with interest unpaid for 3 months
- 2Send a polite WhatsApp reminder with the amount due
- 3Mark who promised to come and when
FriCheck loans against the gold rate (LTV watch)
- 1Revalue live pledges at the lower of today's rate and the 30-day average
- 2List loans where loan plus interest is above 85% of value
- 3Ask those borrowers to pay part or add gold
Every month
5thNotices and auction list
- 1List pledges past the redemption period and grace
- 2Send the written notice by registered post with the amount and last date
- 3Fix the auction date after the notice period and record the reserve price
28thMonth-end loan book and interest earned
- 1Total live pledges, loan book and interest received
- 2List pledges older than 12 months that need renewal or closure
Every year
AprAnnual statement to every borrower and licence return
- 1Send each borrower a statement of loan and interest within 30 days of year-end
- 2File the yearly return of loans with the registrar of money-lenders
- 3Give the books to the CA for the annual audit
JanMoney-lender licence renewal check
- 1Check the licence expiry date and the renewal window
- 2Apply with fee and audited accounts before expiry
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.
Pledge to redemption or auction
- 1KYC and ornament received
- 2Purity and weight tested
- 3Loan amount approvedNeeds approval
- 4Pawn ticket issued and cash paid
- 5Packet photographed and sealed
- 6Interest and part payments
- 7Redeemed and ornament returned
Default to public auction
- 1Overdue listed
- 2Written notice sent
- 3Auction approvedNeeds approval
- 4Public auction held
- 5Surplus paid or deposited
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.
Pledge book
Interest and repayment receipts
Notices and auctions
Cash book
Valuing a pledge
Lend only against real gold at a safe value and never mix up packets
Notice and public auction
Sell an unredeemed pledge only as the law allows and return every rupee of surplus
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 gold loan (per ₹10,000 a month at 2%) | 997113 | 0% |
| Interest on silver loan (per ₹10,000 a month at 2.5%) | 997113 | 0% |
| Pawn ticket and documentation charge | 997119 | 18% |
| Valuation and purity testing charge | 997119 | 18% |
| Late redemption charge (where the act allows) | 997113 | 0% |
| Duplicate pawn ticket fee | 997119 | 18% |
| Forfeited 22K ornament sold at auction | 7113 | 3% |
| Forfeited silver ornament sold at auction | 7113 | 3% |
- Money-lender or pawnbroker licence
- Shops and Establishments registration
- PAN
- GST registrationIf it applies
- Udyam (MSME) registrationIf it applies
- Professional tax registrationIf it applies
- BIS hallmarking registrationIf it applies
- Weighing scale stampingIf 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.
OwnerValues the ornament and decides the loan, holds the safe keys, signs pawn tickets, approves renewals and auctions, deals with the registrar and police.
ClerkWrites the pledge book and tickets, collects interest and gives receipts, photographs and packs pledges, sends notices.
ValuerTests purity on touchstone or karat meter, weighs gross and net, records deductions.
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 gold loan or pawnbroker?
Type one line about your business when you sign up, for example "Gold loan / pawnbroker". 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 gold loan or pawnbroker 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