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Finance, insurance and kiosks · Services

MatruOS for a post office savings agent

Set up the way a post office savings agent runs: commission from the Department of Posts: 4% of RD deposits (MPKBY), 0.5% of TD, MIS, NSC and KVP deposits (SAS); nothing on PPF and SCSS. Routines, workflows, registers, licences and an AI team that knows the work are ready when you sign up.

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Finance, insurance and kiosksReady when you sign up

  • 7routines on a timetable
  • 1workflows with approvals
  • 2SOPs and checks
  • 3registers of your own
  • 4jobs for your AI team
  • 3licences tracked

7-day free trial, no card needed.

What this solves

What a post office savings agent deals with today, and what MatruOS sets up for it

01Today

Depositors pay late and get default fees, then blame the agent. Bulk lists written by hand; mistakes delay credit to accounts.

02In MatruOS

MatruOS sets up 7 routines, 1 workflow, 3 registers and 3 licences for a post office savings agent, with an AI team that reads your own records and prepares the work.

03What 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.

  1. Government (National Small Savings Fund)
  2. post office
  3. agent
  4. depositor

Your customers

  • Housewives and working women
  • Small shopkeepers
  • Daily earners saving monthly
  • Retired people (MIS and TD)

Your suppliers

  • Department of Posts (schemes, commission)
  • District Small Savings Office (agency, renewal)

Credit and cash

Depositors pay RD monthly by the due date; agent must deposit collections at the post office promptly; commission credited monthly by the post office

Collect in the first half of the month, deposit in bulk, commission next month; maturities bring lump sums to reinvest

Your screens use your words

  • CustomerDepositor
  • OrderInstalment
  • ItemAccount
  • InvoiceReceipt
  • productScheme
  • SupplierPost office

How it works

How MatruOS is set up for a post office savings agent

Set-up takes a few minutes. After that, you change only what is different in your business.

  1. Describe the business in one lineFor example "Post office savings agent", typed when you sign up.
  2. Recognised as a post office savings agentRoutines, workflows, registers, items, licences and the AI team for this trade are set up for you.
  3. 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.
  4. 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 post office savings agent

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.

Sales executive

Lists depositors on today's route with amounts due and drafts reminder messages to those likely to miss the due date

Reads depositor accounts and collection diary

Asks you before sending

Accountant

Prepares the bulk deposit list for today's collections with account numbers, months and amounts, and checks totals against cash

Reads collection diary and depositor accounts

Works it out and shows you

Accountant

Computes expected commission by scheme (4% RD, 0.5% SAS) and TDS, and flags shortfalls against credits

Reads bulk deposit lists and depositor accounts

Works it out and shows you

Sales executive

Lists RDs and TDs maturing in 30 days and drafts reinvestment messages at the current quarter's rates

Reads depositor accounts

Asks you before sending

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 day2

  • 8:30 amMorning collection roundAgent · 3 steps
    1. 1Visit depositors on today's route with the diary
    2. 2Collect instalments and give a receipt for each
    3. 3Note who promised to pay later
  • 2:00 pmDeposit collections with the bulk listAgent · 3 steps
    1. 1Prepare the bulk list (agent portal or ASLAAS-5) for today's collections
    2. 2Deposit cash or transfer at the post office and keep the receipt
    3. 3Mark each collection with the list number

Every week1

  • SatMaturities next month and reinvestmentAgent · 2 steps
    1. 1List RDs and TDs maturing in the next 30 days
    2. 2Visit depositors with a reinvestment plan (MIS, TD, new RD)

Every month2

  • 1stRD due dates (15th and month-end)Agent · 2 steps
    1. 1List accounts not yet paid for this month before the due date
    2. 2Message or visit to avoid the default fee
  • 10thMonthly commission checkAgent · 2 steps
    1. 1Total last month's deposits by scheme
    2. 2Match commission and TDS credited with expected (4% RD, 0.5% SAS)

Every year1

  • JanAgency renewal (3-yearly) and mobilisation targetAgent · 2 steps
    1. 1Check agency expiry; apply 60 days before with documents
    2. 2SAS agents check ₹5 lakh mobilised last year (no minimum for women)

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.

Instalment from collection to post office credit

  1. 1Instalment collected and receipt givenAgent
  2. 2Bulk list preparedAgent
  3. 3Post office accepts listAgentNeeds approval
  4. 4Passbook updated and returnedAgent

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.

  • Depositor accounts

    Account number · Depositor name · Phone · Scheme · Monthly instalment or amount · Opened on · Due by · Maturity date

  • Collection diary

    Date · Account number · Months paid · Amount · Default fee · Receipt given · Deposited in list number

  • Bulk deposit lists (ASLAAS-5)

    List number · Date · Accounts · Total amount · Post office receipt number · Commission expected · Commission credited

  • Collecting and depositing depositors' money

    Every rupee collected reaches the depositor's account on time

    5 steps with checks

  • Agency conduct and renewal

    Keep the agency valid and clean

    3 steps with checks

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.

ItemHSNGST
MPKBY commission on RD deposits (4% of ₹1,000 instalment) · instalment99711918%
MPKBY commission on RD deposits (4% of ₹5,000 instalment) · instalment99711918%
SAS commission on 5-year time deposit (0.5% of ₹1 lakh) · deposit99711918%
SAS commission on Monthly Income Scheme (0.5% of ₹9 lakh) · deposit99711918%
SAS commission on NSC (0.5% of ₹50,000) · certificate99711918%
SAS commission on Kisan Vikas Patra (0.5% of ₹50,000) · certificate99711918%
RD default fee collected for post office (₹1 per ₹100) · instalment9971120%
  • Other licence or contract
  • PANIncome Tax Department
  • GST registrationGST department (GSTN)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.

AgentCollects instalments, opens new accounts, prepares deposit lists, deposits at the post office, follows maturities, renews agency.
HelperFamily member who helps on the collection round and with lists.

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 post office savings agent?

Type one line about your business when you sign up, for example "Post office savings agent". 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.

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Run a post office savings agent 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.

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