Your customers
- Member traders and shopkeepers
- Salaried households
- Small manufacturers
- Pensioners and senior citizens (FDs)
- Women and SHG members
Finance, insurance and kiosks · Services
MatruOS for an urban co-operative bank
Set up the way an urban co-operative bank runs: interest on loans and advances (gold, housing, vehicle, cash credit, MSME); interest on SLR and other investments; fees (processing, locker rent, drafts, cheque books, service charges). 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 an urban co-operative bank deals with today, and what MatruOS sets up for it
Today
Pigmy agents' collections and deposits do not match. Overdue accounts slip into NPA because nobody watched SMA lists.
In MatruOS
MatruOS sets up 9 routines, 1 workflow, 4 registers and 10 licences for an urban co-operative bank, 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.
- Members and depositors
- UCB
- borrowers; regulated by RBI (banking) and state or central Registrar of Co-operative Societies (management)
Your suppliers
- Depositors (funds)
- Sponsor or commercial bank (clearing, ATM, RTGS)
- CBS software vendor
- DICGC
- Statutory and concurrent auditors
- Valuers and advocates
- Pigmy agents
Credit and cash
Borrowers repay EMIs or interest monthly, cash credit renewed yearly; gold loans bullet up to 12 months; depositors paid interest monthly, quarterly or on maturity
Deposits and pigmy collections daily; CRR and SLR held fortnightly; loans and recoveries monthly; dividend to members after the AGM
Your screens use your words
CustomerMemberOrderLoan applicationItemAccountInvoicePassbook entryproductSchemeSupplierDepositor
How it works
How MatruOS is set up for an urban co-operative bank
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Urban co-operative bank", typed when you sign up.
- Recognised as an urban co-operative bankRoutines, 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 an urban co-operative bank
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.
Matches each agent's collections with deposits and account postings and flags gaps and unusual patterns
Works it out and shows you
Builds SMA-0, 1, 2 and NPA lists, flags accounts about to slip, and drafts reminder letters and notices
Asks you before sending
Computes net demand and time liabilities, CRR and SLR requirement and holdings, and prepares the fortnightly return
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
9:30 amBegin-of-day and end-of-day in core banking
- 1Run begin-of-day and open vault under joint custody
- 2Issue cash to counters against register
- 3At close, balance cash with CBS and run EOD
5:30 pmPigmy collection reconciliation
- 1Take each agent's collection device report and cash
- 2Match collection with deposit
- 3Post to accounts and flag agents with gaps
Every week
TueOverdue loan follow-up and SMA list
- 1List accounts in SMA-0, 1 and 2
- 2Call and visit borrowers; send notices for SMA-2
Every month
1stFortnightly CRR and SLR position and return
- 1Compute net demand and time liabilities for the reporting fortnight
- 2Check CRR balance and SLR investments meet the requirement
- 3File the return with RBI on time
25thMonth-end NPA classification and board meeting
- 1Classify accounts over 90 days past due as NPA and provide
- 2Put loans for sanction, recovery and compliance to the board
10thCash transaction report to FIU-IND
- 1Prepare CTR of cash transactions above ₹10 lakh (single or integrated) for last month and file by the 15th
Every year
May, NovDICGC premium (half-yearly)
- 1Compute premium on assessable deposits and pay within the DICGC due date
Jun, SepStatutory audit, AGM and dividend
- 1Complete statutory audit by June and file with RBI and registrar
- 2Hold AGM by September; approve accounts and dividend
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.
Loan application to disbursal
- 1Application and membership checked
- 2Appraisal, inspection and valuation
- 3Sanctioned by manager or committeeNeeds approval
- 4Board ratifies (above powers)Needs approval
- 5Documents executed and disbursed
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.
Loan register
Pigmy daily collection
Cash balance and vault register
Board resolutions
Cash and vault joint custody
Cash is always under two people's control and tallies with the books
Asset classification and recovery
Spot stress early and classify NPAs correctly
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 (₹1 lakh at 10% a year; monthly) | 997113 | 0% |
| Interest on housing loan (₹20 lakh at 9.5% a year; monthly) | 997113 | 0% |
| Interest on cash credit to a trader (₹10 lakh at 11%; monthly) | 997113 | 0% |
| Loan processing fee (1% of ₹5 lakh) | 997113 | 18% |
| Locker rent (medium locker) | 997119 | 18% |
| Demand draft charge | 997119 | 18% |
| Cheque book (25 leaves) | 997119 | 18% |
| Minimum balance and service charges | 997119 | 18% |
| Gold valuation charge | 997119 | 18% |
- Co-operative society registration
- Other licence or contract
- GST registration
- PAN
- TAN (tax deduction account number)
- FIU-IND registration (PMLA)
- Shops and Establishments registration
- Professional tax registration
- PF registration (EPFO)
- ESI registration (ESIC)
Your people
The people who run it, each with their own login
Each person sees the screens and reminders for the work they do.
ChairmanChairs board and AGM, signs board decisions, represents bank to registrar.
CEORuns the bank, sanctions loans within powers, reports to RBI and board, compliance.
Branch managerOpens and closes branch, sanctions small loans, supervises cash and staff, recovery.
CashierCounter cash, vault with joint custody, cash balancing.
Loan officerAppraises loans, documents and inspections, follows overdues.
Pigmy agentCollects daily deposits from shops and homes, deposits collection the same day.
Compliance officerCRR and SLR returns, KYC and AML, CTR and STR, RBI returns.
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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 an urban co-operative bank?
Type one line about your business when you sign up, for example "Urban co-operative bank". 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 an urban co-operative bank 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