Your customers
- Two-wheeler and used-car buyers
- Tractor buyers (farmers)
- Small truck and auto-rickshaw owners
- Small traders needing business loans
Finance, insurance and kiosks · Services
MatruOS for a vehicle financier and small NBFC
Set up the way a vehicle financier and small NBFC runs: interest on loans; processing and documentation fees; late payment (penal) charges; foreclosure charges where allowed; insurance commission on vehicle and credit-life cover; dealer subvention. 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 vehicle financier and small NBFC deals with today, and what MatruOS sets up for it
Today
Every EMI date brings hundreds of bounces and field staff go without a plan. Field officers collect cash and receipts go missing.
In MatruOS
MatruOS sets up 8 routines, 2 workflows, 4 registers and 11 licences for a vehicle financier and small NBFC, 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.
- Bank or own funds
- NBFC
- (dealer, DSA, field officer)
- borrower
- NACH and field collections
- (repossession, auction)
Your suppliers
- Banks and larger NBFCs (term loans, co-lending)
- Promoter capital
- Vehicle dealers (sourcing)
- DSAs
- Credit bureaus (CIBIL and others)
- Valuers and RTO agents
- Repossession yards and auctioneers
Credit and cash
Borrowers pay monthly EMIs by NACH (half-yearly for tractors); lender borrows from banks on 3-5 year terms; dealers paid on disbursal; DSAs paid monthly
Disbursals go out daily; EMIs come in on 3-4 fixed dates; bank repayments monthly or quarterly; bounces of 8-20% each cycle need field work
Your screens use your words
CustomerBorrowerOrderLoan fileItemLoanInvoiceEMIproductLoan schemeSupplierDealer
How it works
How MatruOS is set up for a vehicle financier and small NBFC
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Vehicle financier and small NBFC", typed when you sign up.
- Recognised as a vehicle financier and small NBFCRoutines, 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 vehicle financier and small NBFC
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 NACH return file, buckets bounced accounts, groups them into field routes by area and drafts payment-link messages
Asks you before sending
Matches field receipts to cash and UPI received, flags gaps by officer and posts the collections
Works it out and shows you
Lists loans with RC hypothecation not endorsed after 30 days and insurance expiring in 30 days, and drafts reminders to dealers and borrowers
Asks you before sending
Builds month-end DPD buckets, NPA list and provision by product and dealer, and highlights dealers with high early defaults
Works it out and shows you
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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 amNACH bounce list and field routes
- 1Download yesterday's NACH return file
- 2Group bounced accounts by village or area and by bucket
- 3Allot routes to field officers and send SMS or WhatsApp payment links
11:00 amNew file processing and sanction
- 1Check KYC, bureau score and field verification report
- 2Put files above your limit to the credit committee
- 3Issue sanction, KFS and agreement in the borrower's language
6:30 pmField collection deposit and receipt match
- 1Take each officer's receipts, cash and UPI list
- 2Match receipts to amounts and post to accounts
- 3Deposit cash and note promises to pay
Every week
WedPost-disbursal document check (RC, insurance)
- 1List loans where RC hypothecation is not yet endorsed after 30 days
- 2List vehicles with insurance expiring in the next 30 days
- 3Chase the dealer and borrower
Every month
1stCredit bureau data submission (fortnightly)
- 1Prepare the bureau file of all accounts as on the 15th and month-end
- 2Upload to all credit bureaus and correct rejections
2ndMonth-end DPD buckets and NPA review
- 1Review buckets SMA-0, 1, 2 and NPA by product and dealer
- 2Provide for NPAs per policy and decide on settlement or repossession cases
Every year
MayRBI returns and annual statutory filings
- 1File the annual statutory return on the RBI portal within 60 days of 31 March
- 2Get the statutory auditor's certificate for continuing as NBFC
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.
Dealer lead to disbursal
- 1Lead and KYC at dealer
- 2Bureau check and field verification
- 3SanctionNeeds approval
- 4KFS signed and NACH registered
- 5Disbursed to dealer
- 6RC hypothecation endorsed
Default to repossession and sale
- 1Bounce and field follow-up
- 2Notice under the loan agreement sent
- 3Repossession approvedNeeds approval
- 4Vehicle taken with inventory
- 5Final notice before sale
- 6Sold and balance settled
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 files
EMI and bounce register
Field collection receipts
Repossession and auction
Sanctioning a vehicle or MSME loan
Lend only where repayment is likely and every document is in place
Collections and repossession the lawful way
Recover dues without harassment and without breaking RBI or court 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 |
|---|---|---|
| Interest on two-wheeler loan (₹80,000 over 24 months; monthly interest) | 997113 | 0% |
| Interest on used-car loan (₹4 lakh; monthly interest) | 997113 | 0% |
| Interest on tractor loan (₹6 lakh; half-yearly instalment interest) | 997113 | 0% |
| Interest on MSME business loan (₹5 lakh; monthly interest) | 997113 | 0% |
| Processing fee (2% of ₹4 lakh) | 997113 | 18% |
| Documentation and stamping charges | 997113 | 18% |
| Penal charge on late EMI | 997113 | 18% |
| Cheque or NACH bounce charge | 997113 | 18% |
| Foreclosure charge (business loan) | 997113 | 18% |
| Vehicle insurance commission received | 997161 | 18% |
| NOC and hypothecation removal letter | 997113 | 18% |
- Other licence or contract
- GST registration
- PAN
- TAN (tax deduction account number)
- Shops and Establishments registration
- Professional tax registration
- FIU-IND registration (PMLA)
- PF registration (EPFO)
- ESI registration (ESIC)
- Money-lender or pawnbroker licenceIf 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.
Promoter directorRaises capital and bank lines, sets credit policy, chairs the credit committee, signs RBI returns.
Credit managerChecks files and bureau reports, approves within limits, sets dealer limits.
Field officerSources at dealers, verifies home and business, collects overdue EMIs on routes.
Operations executiveKYC and KFS, disbursal, NACH, RC endorsement, bureau and RBI reporting, NOC.
Collection managerRuns the bounce list, allots routes, approves repossession, handles recovery agencies.
Grievance officerHandles complaints within the fair practices code timelines.
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 vehicle financier and small NBFC?
Type one line about your business when you sign up, for example "Vehicle financier and small NBFC". 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 vehicle financier and small NBFC 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