Your customers
- Walk-in retailers
- Hawkers and haat traders
- Outstation retailers ordering on WhatsApp
- Gift shops
- School-stationery shops
Import and export · Traders and distributors
MatruOS for a general merchant
Set up the way a general merchant runs: trading margin on low-value goods sold by dozen, gross, set and master carton to retailers, hawkers and outstation shops. 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 general merchant deals with today, and what MatruOS sets up for it
Today
Season stock over-bought; leftovers lie a whole year. Outstation parties pay late after goods reach.
In MatruOS
MatruOS sets up 9 routines, 1 workflow, 3 registers and 6 licences for a general merchant, 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.
- maker or importer
- bazaar wholesaler
- retailer or hawker in a region
- consumer
Your suppliers
- Small makers in Delhi NCR
- Rajkot
- Mumbai and Ahmedabad
- Importers
- Brand distributors
- Packers of sets
Credit and cash
Buys on 30-60 days from small makers (up to 90 on season goods); sells cash to walk-ins and on 15-45 days to known outstation parties; brokers who bring parties take 1-2%
Season stock is paid for before the season sells, so cash is tight from June to October. Outstation money comes 15-45 days after the bilty. Leftover season stock blocks money for a year.
Your screens use your words
CustomerPartyItemMaalInvoiceBillSupplierMakershipmentBilty
How it works
How MatruOS is set up for a general merchant
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "General merchant", typed when you sign up.
- Recognised as a general merchantRoutines, 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 general merchant
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 photos and words in a party's message to item codes and drafts the packing list and bill for the salesman to check
Asks you before sending
Starts each party's due clock from the date goods reached, drafts reminders with the ledger and lists parties to call
Asks you before sending
Tracks booked, received and sold per season item each week and suggests markdowns, pushes or returns at 60% of the season
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
10:00 amOpen shop and counter sales
- 1Display the season's new items at the front
- 2Walk-in retailers: cash or UPI bills by dozen and carton
- 3Note items asked for but not in stock
11:00 amRead WhatsApp orders into bills
- 1Match photos in the party's message to item codes
- 2Make the packing list and bill; confirm rate and freight with the party
4:00 pmPack outstation orders and hand to transport
- 1Pack and mark each bundle with party name, town and bundle count
- 2Hamal takes bundles to the transport; bring back the bilty
- 3Send bill and bilty photo to the party on WhatsApp
- 4E-way bill for interstate consignments above Rs 50,000
6:00 pmOutstation dues follow-up from bilty date
- 1List parties whose goods reached and whose due date has passed
- 2Send the ledger and a polite reminder; call those over 15 days late
Every week
SatWeekly maker payments
- 1Pay makers whose bills fall due this week
- 2Hold payment for short or damaged supply until credit note
MonSeason sell-through check (weekly in season)
- 1Booked, received and sold per season item
- 2At 60% of the season, decide markdown, push to parties or return to maker
Every month
10thMonthly GST and ledger close
- 1Bills and purchase register to GSTR-1 and GSTR-3B
- 2Check makers' invoices appear in GSTR-2B before taking credit
Every year
MarYear-end stock count and dead stock clearance
- 1Count and value stock; list items unsold for a year
- 2Clear dead stock to haat traders or stocklot buyers
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.
Outstation order to payment
- 1Order received on WhatsApp
- 2Credit checkedNeeds approval
- 3Packed and billed
- 4Bilty sent to party
- 5Payment received
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.
Outstation orders and bilty
Season booking with makers
Party ledger (khata)
Outstation packing and transport hand-over
Goods reach whole and the party cannot dispute count or delay payment
Toy and packaged goods compliance check on buying
Avoid seizure of toys without BIS and packs without legal labels
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 |
|---|---|---|
| Plastic toys (assorted) dozen | 9503 | 5% |
| Soft toys | 9503 | 5% |
| Board games and playing cards | 9504 | 5% |
| Plastic household containers set | 3924 | 18% |
| Plastic bucket and mug | 3924 | 18% |
| Notebooks and exercise books | 4820 | 0% |
| Pencils box | 9609 | 0% |
| Ball pens box | 9608 | 18% |
| Festive decoration (garlands and hangings) | 9505 | 5% |
| LED decorative string lights | 9405 | 18% |
| Rakhi box (assorted) | 6307 | 5% |
| Holi colours (gulal) packets | 3212 | 18% |
- GST registration
- Shops and Establishments registration
- Trade licence
- BIS licence (ISI mark)If it applies
- Packaged commodities registration (Legal Metrology)If it applies
- Import Export Code (IEC)If 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.
Seth (owner)Books seasons with makers and importers, fixes rates, approves credit to new parties, collects.
Munim (accountant)Bills, party ledger, GST, bank and angadia receipts.
Counter salesmanShows samples, takes walk-in and WhatsApp orders, packs dozens and cartons.
Godown boyKeeps stock, picks orders, marks bundles.
HamalCarries bundles to the transport, loads tempos.
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 general merchant?
Type one line about your business when you sign up, for example "General merchant". 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.
Import and export
Other traders and distributors in import and export
Run a general merchant 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