Your customers
- Village kirana shops
- Haat traders
- Own retail customers
- Schools and anganwadi suppliers
Food and grocery · Traders and distributors
MatruOS for a rural sub-stockist
Set up the way a rural sub-stockist runs: thin margin on distributor goods sold to village shops, plus full retail margin at its own counter, plus margin on loose staples. 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 rural sub-stockist deals with today, and what MatruOS sets up for it
Today
Khata to village shops till harvest runs into lakhs with no ageing. Fast movers run out before haat day.
In MatruOS
MatruOS sets up 8 routines, 1 workflow, 3 registers and 5 licences for a rural sub-stockist, 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
- distributor
- sub-stockist
- village shop
- household
Your suppliers
- Town distributors
- Super stockists (some companies)
- Mandi wholesalers for loose goods
Credit and cash
Pays the distributor cash or within 7-15 days; gives village shops weekly credit or credit till harvest (2-5 months)
Money goes out every week to the distributor. Most comes back on haat days and in two harvest waves. In a bad season the khata can reach Rs 5-15 lakh against a business with Rs 10-20 lakh of stock.
Your screens use your words
CustomerShopInvoiceBillcreditKhatamarket_dayHaat day
How it works
How MatruOS is set up for a rural sub-stockist
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Rural sub-stockist", typed when you sign up.
- Recognised as a rural sub-stockistRoutines, 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 rural sub-stockist
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.
Keeps each shop's khata with a due date linked to its credit type; when local mandi arrivals show the crop is being sold, lists shops to visit and drafts reminders
Asks you before sending
Suggests the order to the distributor 2 days before haat from the last 4 haats and current stock; checks the bill for promised schemes
Asks you before sending
Splits sales and margin by retail, village shop and haat; tracks year-to-date turnover against the GST threshold
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
7:30 amOpen the counter and retail sales
- 1Open shop, check fast movers on the shelf
- 2Write each retail and walk-in shop sale with paid or khata
1:30 pmVillage shop orders and tempo round
- 1Pack orders taken by phone and at the counter
- 2Deliver to 10-15 shops on today's route; collect what is due
- 3Hand over cash, UPI and slips to the owner by evening
8:30 pmDay close and khata entry
- 1Count cash and match UPI
- 2Write khata entries from the round
Every week
FriOrder to the distributor before haat day
- 1Count fast movers and what last haats sold
- 2Place the order with the distributor's salesman
- 3Check the distributor's bill for the schemes promised
WedHaat day sales
- 1Open early; serve village shopkeepers who come to the haat
- 2Collect weekly khata payments
Every month
5thMonthly margin, distributor dues and GST
- 1Margin by channel: own retail, village shops, haat
- 2Distributor and wholesaler dues paid on time
- 3Turnover so far this year against the GST threshold
Every year
MarYear close and licence renewal
- 1Write off or carry forward khata balances with the shop's agreement
- 2Renew FSSAI registration and shop licence
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.
Haat-day supply to a village shop
- 1Order given by phone or at the haat
- 2Credit allowedNeeds approval
- 3Packed and delivered
- 4Written on khata
- 5Paid weekly or after harvest
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.
Village shop khata
Sales book (retail and wholesale)
Purchases and schemes
Village shop credit
Give credit that comes back after harvest
Buying and scheme check
Get every scheme the company gives and avoid expiry
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 |
|---|---|---|
| Biscuits and namkeen (small packs) | 1905 | 5% |
| Bath and washing soap | 3401 | 5% |
| Detergent powder sachets | 3402 | 18% |
| Tea packets | 0902 | 5% |
| Hair oil and shampoo sachets | 3305 | 5% |
| Matchboxes | 3605 | 5% |
| Sugar, loose | 1701 | 5% |
| Pulses, loose | 0713 | 0% |
| Edible oil, 15 L tin | 1512 | 5% |
- FSSAI food licence
- GST registrationIf it applies
- Shops and Establishments registration
- Trade licenceIf it applies
- Udyam (MSME) registration
Your people
The people who run it, each with their own login
Each person sees the screens and reminders for the work they do.
OwnerBuys from the distributor and mandi, decides shop credit, collects after harvest, runs the counter.
Helper and driverPacks shop orders, drives the tempo round, delivers and collects.
Counter boyServes retail customers, writes slips.
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 rural sub-stockist?
Type one line about your business when you sign up, for example "Rural sub-stockist". 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 traders and distributors in food and grocery
Run a rural sub-stockist 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