Your customers
- Neighbourhood households (cash, UPI and udhaar)
- Students, workers and passers-by
- Small offices and housing societies
- Tea stalls, hawkers and small eateries (bulk)
Food and grocery · Shops and showrooms
MatruOS for a kirana or general store
Set up the way a kirana or general store runs: retail margin on packaged FMCG and loose staples; distributor schemes and display money; small commissions on recharge, bill payments, cash withdrawal and parcel pick-up. 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 kirana or general store deals with today, and what MatruOS sets up for it
Today
Udhaar lives in a notebook; families forget and the owner hesitates to ask; 5-15% of monthly sales stay stuck. Fast movers run out and the customer goes to the next shop or a quick-commerce app.
In MatruOS
MatruOS sets up 9 routines, 2 workflows, 3 registers and 7 licences for a kirana or general store, 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.
- Company
- C&F
- distributor or wholesaler
- kirana
- household
Your suppliers
- FMCG distributors and their salesmen
- Kirana wholesalers in the grain market
- Dairy and bread suppliers
- Egg supplier
- Cold drink and water distributor
- B2B ordering apps and cash-and-carry
Credit and cash
Distributors give 7-15 days or cash on delivery; grain market purchases are cash or a week; regular families take udhaar settled monthly on salary day; a few bulk buyers pay weekly
Daily cash and UPI in; distributor bills due weekly; udhaar of 10-25% of monthly sales out for 15-45 days; Diwali stock bought in September-October on extended credit
Your screens use your words
OrderParchiInvoiceBillSupplierDistributorproductItem
How it works
How MatruOS is set up for a kirana or general store
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Kirana / general store", typed when you sign up.
- Recognised as a kirana or general storeRoutines, 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 kirana or general store
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.
Before each distributor's visit day, lists items that sold fast since the last order and suggests quantities, lists items near expiry to hand back, and shows the scheme credit due on the last bill
Works it out and shows you
Matches cash, UPI and udhaar with the day's sales, shows the gap at closing and keeps a month view for the owner
Works it out and shows you
Keeps a khata per family from a voice note or photo of the notebook, and on salary days drafts polite WhatsApp reminders with the running balance in the customer's language
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
6:30 amOpen, receive milk, bread and eggs
- 1Count milk crates, bread and eggs against the supplier's slip
- 2Milk fridge temperature
- 3Put yesterday's bread and curd in front (first expiry, first out)
9:30 amOrder before the distributor salesman's visit
- 1See which items sold fast since this distributor's last visit
- 2Check scheme offers and the last bill's scheme credit
- 3Give the order; hand back expired or damaged goods for credit
2:30 pmPack loose staples
- 1Weigh rice, dal, sugar and spices into 250 g, 500 g and 1 kg bags
- 2Tare the scale for each bag
- 3Label packs with the item and today's rate
9:45 pmClosing galla, UPI match and udhaar entry
- 1Count cash; note UPI and card totals
- 2Write today's udhaar and payments per family
- 3Note the difference and any expense paid from the galla
Every week
WedWeekly grain market trip for loose staples
- 1List loose items below one week's stock
- 2Buy rice, dal, spices and dry fruit at the market; compare two shops' rates
- 3Enter purchases and update loose selling rates
SunWeekly expiry and slow-shelf check
- 1Check dates on slow shelves (sauces, baby food, medicines-like items, juices)
- 2Set aside items within 30 days of expiry for return or discount
- 3Rats or insects in the grain section
Every month
2ndSalary-day udhaar reminders (1st to 10th)
- 1List families with balance and their usual settle day
- 2Send each a polite message with the balance
- 3Note who paid; stop new udhaar for balances older than 60 days
Every year
AprScale stamping, FSSAI and shop renewals
- 1Get the weighing scale verified and stamped by Legal Metrology
- 2Renew FSSAI registration and shop licence when due
- 3GSTR-4 annual return if on composition; ITR
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.
Udhaar given to settled
- 1Family asks for udhaar
- 2Owner agrees the limitNeeds approval
- 3Amount written with items
- 4Reminder on salary day
- 5Paid and struck off
Distributor order to payment
- 1Order to salesman
- 2Goods received and counted with expiry c
- 3Scheme credit checked on bill
- 4Bill paid on due date
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.
Udhaar khata
Purchase and distributor bills
Daily galla (cash and UPI)
Weighing loose goods and selling packaged goods
Give the right weight, never charge above MRP and stay clear of Legal Metrology fines
Food safety in the shop
Keep food clean and in date and keep the FSSAI registration safe
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 |
|---|---|---|
| Loose rice (unbranded) | 1006 | 0% |
| Loose toor dal | 0713 | 0% |
| Packed wheat atta (5 kg) | 1101 | 5% |
| Sugar | 1701 | 5% |
| Refined soybean oil (1 litre pouch) | 1507 | 5% |
| Tea (250 g) | 0902 | 5% |
| Turmeric and chilli powder (loose) | 0910 | 5% |
| Biscuits (small pack) | 1905 | 5% |
| Namkeen (small pack) | 2106 | 5% |
| Toilet soap | 3401 | 5% |
| Toothpaste (100 g) | 3306 | 5% |
| Detergent powder (1 kg) | 3402 | 18% |
- Shops and Establishments registration
- FSSAI food licence
- Weighing scale stamping
- Trade licence
- GST registrationIf it applies
- Udyam (MSME) registration
- Professional tax 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.
Owner (dukandar)Buys from distributors and the market, fixes loose rates, decides udhaar, counts galla, pays bills.
Family member at counterServes, weighs, writes udhaar, takes WhatsApp and phone orders.
Helper and delivery boyUnloads, packs loose goods, stacks shelves, home delivery, collects cash.
Distributor salesman (outside)Weekly beat order, schemes, takes back expired goods.
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 kirana or general store?
Type one line about your business when you sign up, for example "Kirana / general store". 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.
Food and grocery
Other shops and showrooms in food and grocery
Run a kirana or general store 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