Your customers
- Salaried families
- Doctors and professionals
- Small business owners
- Retirees
- NRIs
Finance, insurance and kiosks · Services
MatruOS for a mutual fund distributor
Set up the way a mutual fund distributor runs: trail commission from AMCs on client assets in regular plans; small transaction charge on large first investments where opted; insurance, bonds and FD commissions on the side. 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 mutual fund distributor deals with today, and what MatruOS sets up for it
Today
SIP bounces noticed late and SIPs stop silently. Trail statements from 30+ AMCs cannot be checked; folios missing ARN lose income.
In MatruOS
MatruOS sets up 7 routines, 1 workflow, 4 registers and 6 licences for a mutual fund distributor, 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.
- AMC
- registrar
- distributor (ARN)
- investor; SEBI and AMFI rules
Your suppliers
- AMCs (products and commission)
- Registrars (CAMS, KFintech)
- Exchange MF platforms (BSE StAR MF, NSE NMF)
- KYC registration agencies
- MF software vendor
- AMFI and NISM
Credit and cash
AMCs pay trail monthly in arrears, usually by the 10th-15th of next month, with TDS; no client credit
Income grows with AUM and markets; falls with redemptions and market drops; steady monthly credits
Your screens use your words
CustomerInvestorOrderTransactionItemFolioInvoiceCommission statementproductSchemeSupplierAMC
How it works
How MatruOS is set up for a mutual fund distributor
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Mutual fund distributor", typed when you sign up.
- Recognised as a mutual fund distributorRoutines, 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 mutual fund distributor
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.
Reads the rejection report, matches it to investors and drafts a message for each bounce with its reason and fix; flags KYC or nominee gaps on the way
Asks you before sending
Lists clients with large falls or pending redemptions and drafts goal-based review notes for each call
Asks you before sending
Computes expected trail by AMC from AUM, matches statements, lists folios without the ARN and drafts change-of-broker requests
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
10:30 amSIP bounce follow-up
- 1Read the registrar's SIP rejection report
- 2Call or message each investor with the reason (no balance, mandate issue)
- 3Mark paused or ceased SIPs
1:30 pmProcess the day's transactions before cut-off
- 1Place purchases, switches and redemptions before the 15:00 cut-off
- 2Confirm funds have reached the AMC for same-day NAV
Every week
FriClient reassurance after a market fall (weekly check)
- 1List clients with large falls or who have asked to redeem
- 2Call them with a goal-based view before they redeem
Every month
15thMonthly trail commission reconciliation
- 1Download brokerage statements from registrars
- 2Match with AUM per client book by AMC
- 3List folios without your ARN and send change-of-broker requests
1stPortfolio review statements
- 1Send each client a portfolio summary against goals
- 2Book review meetings with clients whose plan needs change
Every year
JanARN and NISM renewal check
- 1Check ARN and NISM expiry; renew before expiry so commission is not stopped
- 2Self-declare due diligence and KYD with AMFI where required
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.
New investor onboarding and first SIP
- 1KYC checked or done
- 2Risk profile and goal noted
- 3Scheme recommended and investor agreesNeeds approval
- 4Mandate registered and SIP placed
- 5First instalment confirmed
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.
Investors
SIP book
Trail commission check
Service requests
Onboarding and KYC
Every investor is KYC-valid, has a nominee and suitable schemes
Distributor conduct
Sell suitably and stay a distributor, not an unregistered adviser
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 |
|---|---|---|
| Trail commission on equity AUM (₹10 lakh at 0.8% a year; monthly) | 997152 | 18% |
| Trail commission on debt AUM (₹10 lakh at 0.3% a year; monthly) | 997152 | 18% |
| Trail on hybrid fund AUM (₹10 lakh at 0.7% a year; monthly) | 997152 | 18% |
| Transaction charge on first investment of ₹10,000 or more (where opted) | 997152 | 18% |
| Health insurance commission (side business) | 997161 | 18% |
| Corporate FD and bond distribution fee | 997152 | 18% |
- AMFI registration (ARN)
- PAN
- GST registrationIf it applies
- Shops and Establishments registrationIf it applies
- Professional tax registrationIf it applies
- Udyam (MSME) registrationIf 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.
DistributorAdvises clients within distributor rules, chooses schemes, reviews portfolios, signs transactions with EUIN.
Operations assistantKYC and onboarding, processes transactions on platforms, tracks SIP bounces and service requests, reconciles trail.
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 mutual fund distributor?
Type one line about your business when you sign up, for example "Mutual fund distributor". 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 mutual fund distributor 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