Your customers
- Lenders (pay the payout)
- Borrowers: salaried families buying homes, small business owners, professionals, vehicle buyers
Finance, insurance and kiosks · Services
MatruOS for a loan DSA or connector
Set up the way a loan DSA or connector runs: payout from lenders as a percentage of disbursal (or fixed per case for small loans); volume incentives; insurance cross-sell 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 loan DSA or connector deals with today, and what MatruOS sets up for it
Today
Chasing 50-100 files across a dozen lender portals and RMs every day. Customers and connectors call all day asking for status.
In MatruOS
MatruOS sets up 7 routines, 1 workflow, 3 registers and 8 licences for a loan DSA or connector, 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.
- Borrower
- connector
- DSA
- lender (bank, NBFC, HFC)
- disbursal; payout lender
- DSA
- connector
Your suppliers
- Connectors (property brokers, CAs, builders, car dealers, insurance agents)
- Credit bureau report services
- Valuers and legal advocates (lender-appointed)
Credit and cash
Lender pays payout monthly after disbursal MIS is reconciled, often 30-60 days late; clawback on cancellation or early foreclosure; connectors paid after the DSA receives payout
Work is done now and paid 1-2 months later; staff paid monthly; income swings with property and credit cycles
Your screens use your words
OrderCaseItemLoanInvoicePayout invoiceproductLoan productSupplierLender
How it works
How MatruOS is set up for a loan DSA or connector
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Loan DSA / connector", typed when you sign up.
- Recognised as a loan DSA or connectorRoutines, 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 loan DSA or connector
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.
Summarises each open case's stage and pending query, flags stuck cases and drafts status updates to customers and connectors
Asks you before sending
Builds the lender-specific document list for each new lead, tracks what is received and drafts reminders for gaps
Asks you before sending
Matches lender MIS with disbursed cases, lists missing payouts and clawbacks, and works out each connector's share
Asks you before sending and paying
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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
10:00 amDaily case status round-up
- 1Check each lender portal and RM messages for open cases
- 2Update stage and pending queries in the case tracker
- 3Send customers and connectors a status update
12:00 pmDocument checklist for new leads
- 1For each new lead, send the lender-specific document list
- 2Mark documents received and gaps
Every week
Mon, ThuChoose the lender for files ready to log
- 1Check eligibility (CIBIL, FOIR, LTV, profile) against each lender's policy
- 2Choose lender by approval chance, rate and payout
Every month
7thMonthly payout reconciliation with lenders
- 1Match each lender's MIS with disbursed cases
- 2Raise invoices (or confirm RCM) and chase missing cases
- 3Note clawbacks for cancellations and foreclosures
20thPay connectors their share
- 1Work out each connector's share on payouts received
- 2Deduct TDS and pay by bank transfer
Every year
AprLender agreement and code renewal check
- 1Renew DSA agreements and KYC with each lender
- 2Complete lenders' code-of-conduct training and declarations
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.
Lead to disbursal
- 1Lead received and eligibility pre-check
- 2Documents collected and checked
- 3Lender chosenNeeds approval
- 4File logged in at lender
- 5Valuation and credit queries closed
- 6Sanction and disbursal
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.
Case tracker
Payout tracker
Connectors
Preparing a clean file
Log only files that will pass, so lenders keep giving business
DSA conduct
Stay on lenders' panels and within RBI rules
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 |
|---|---|---|
| Home loan payout (₹30 lakh at 0.5%) | 997119 | 18% |
| Loan against property payout (₹40 lakh at 0.6%) | 997119 | 18% |
| Business loan payout (₹10 lakh at 2%) | 997119 | 18% |
| Personal loan payout (₹5 lakh at 2%) | 997119 | 18% |
| Used-car loan payout (1% capped at ₹10,000) | 997119 | 18% |
| Two-wheeler loan payout | 997119 | 18% |
| Gold loan payout (0.4% of monthly disbursal of ₹10 lakh) | 997119 | 18% |
| Loan insurance cross-sell commission | 997161 | 18% |
- PAN
- Shops and Establishments registration
- GST registrationIf it applies
- TAN (tax deduction account number)If it applies
- Professional tax registrationIf it applies
- Udyam (MSME) registrationIf it applies
- PF registration (EPFO)If it applies
- ESI registration (ESIC)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.
DSA ownerHolds lender codes and agreements, chooses lender for each case, negotiates payouts, pays connectors.
Sales executiveMeets customers and connectors, collects documents, logs files, follows status at lenders.
Back-office executiveChecks documents, prepares files, updates portals, reconciles MIS and payouts.
ConnectorPasses leads, introduces customers.
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 loan DSA or connector?
Type one line about your business when you sign up, for example "Loan DSA / connector". 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 loan DSA or connector 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