Finance, insurance and kiosks · Services
Set up the way a recovery and collection agency runs: monthly fees from lenders: per case normalised or resolved in buckets 1-3, a percentage of amount recovered on NPA and write-off pools, fixed fee per repossession, and per-case fees for address tracing and verification. Routines, workflows, registers, licences and an AI team that knows the work are ready when you sign up.
Ready when you sign up
What this solves
Allocation files arrive in different formats from each lender and splitting by pincode takes a day of the first week. Field executives waste fuel criss-crossing the city and miss promises due today.
MatruOS sets up 10 routines, 2 workflows, 4 registers and 10 licences for a recovery and collection agency, with an AI team that reads your own records and prepares the work.
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
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.
Your customers
Your suppliers
Credit and cash
Lenders pay 30-60 days after month-end once their MIS reconciles the agency claim; repossession fees after the vehicle reaches the yard; penalties deducted from the bill. Agency pays field staff salary on the 7th and incentives a month later.
Carries 2-3 months of salaries and fuel before lender payouts arrive; cash collected from borrowers is never the agency's money and must be banked to the lender by the next morning
Your screens use your words
How it works
Set-up takes a few minutes. After that, you change only what is different in your business.
Your AI team
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 each lender's allocation file into one list, flags cases outside the agency's area, and drafts the split by pincode and bucket for the team leader to approve
Asks you before sending
Drafts each field executive's beat for the day from promises due, broken promises and untouched cases, grouped by nearby pincodes
Works it out and shows you
Matches every receipt issued today with a deposit, lists gaps and missing receipt numbers, and drafts the alert to the team leader
Asks you before sending
Prepares the weekly resolution rate by lender and bucket against target, with the list of settlement requests and complaints to raise
Works it out and shows you
Matches resolved and repossessed cases to the lender's paid file, applies the fee grid, and drafts the invoice with reverse-charge wording where it applies
Asks you before sending
Reminds the MIS executive of agents with no DRA certificate, exam attempts running out, or verification due, and lists who must come off field duty
Works it out and shows you
How you run
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
Every week
Every month
Every year
Workflows
Work passes stage by stage to the right person. Stages marked for approval wait for the person who decides.
Registers and SOPs
Registers hold the fields this trade records. SOPs carry the steps and checks, so work is done the same way every time.
Allocation
Visit and call trail
Collection receipts
Repossession
Calls and field visits within the RBI recovery code
Collect without harassment, so the agency keeps its empanelment
Cash collection and deposit
Make sure every rupee collected reaches the lender
Repossession of a financed vehicle
Take the asset lawfully and keep it safe
Items and licences
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 |
|---|---|---|
| Bucket 1 case normalised (1-30 days past due) | 998592 | 18% |
| Bucket 2 case resolved (31-60 days past due) | 998592 | 18% |
| Bucket 3 case resolved (61-90 days past due) | 998592 | 18% |
| NPA pool recovery commission | 998592 | 18% |
| Written-off pool recovery commission | 998592 | 18% |
| Two-wheeler repossession | 998592 | 18% |
| Car or commercial vehicle repossession | 998592 | 18% |
| Tractor or equipment repossession | 998592 | 18% |
| Skip tracing and address verification | 998592 | 18% |
| Tele-calling only early bucket | 998592 | 18% |
Your people
Each person sees the screens and reminders for the work they do.
Not covered yet
Type one line about your business when you sign up, for example "Recovery and collection agency". 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.
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.
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.
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
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
