Your customers
- Jewellery manufacturers and hallsale firms
- Karigar workshops
- Retail jewellers
- Investors and families buying coins
Jewellery and diamonds · Traders and distributors
MatruOS for a bullion and gold wholesaler
Set up the way a bullion and gold wholesaler runs: premium or spread over landed cost on gold and silver bars, higher premium on coins, small charges for delivery. 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 bullion and gold wholesaler deals with today, and what MatruOS sets up for it
Today
Open quantity between a physical deal and its hedge loses lakhs on a sharp move. Fake or reversed RTGS and screenshots used to take metal.
In MatruOS
MatruOS sets up 8 routines, 1 workflow, 3 registers and 8 licences for a bullion and gold wholesaler, 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.
- Importer bank, IIBX or refiner
- bullion dealer
- manufacturer, karigar, retailer or investor
Your suppliers
- Nominated banks and agencies
- India International Bullion Exchange (for qualified jewellers)
- Domestic refiners
- Larger bullion houses
Credit and cash
RTGS before delivery for most; same-day or T+1 for trusted jewellers; suppliers want funds before release
Very fast turnover on thin margin; money is tied in stock and MCX margins; a price jump between deal and hedge is the main risk
Your screens use your words
CustomerPartyOrderDealItemBarInvoiceBill
How it works
How MatruOS is set up for a bullion and gold wholesaler
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Bullion and gold wholesaler", typed when you sign up.
- Recognised as a bullion and gold wholesalerRoutines, 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 bullion and gold wholesaler
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.
Prepares the rate card with premium for gold and silver bars and coins and the broadcast message for buyers
Asks you before sending
Matches each deal with the bank credit by amount and remitter, marks deals ready for delivery and flags mismatches or reversals
Works it out and shows you
Works out net open gold and silver after physical deals and MCX hedges, and alerts the owner when it crosses the limit
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 amSet the opening rate and premium
- 1Check international price, rupee rate, IBJA rate and MCX
- 2Set premium or discount and send the rate broadcast
10:00 amFix deals and release only on bank credit
- 1Write every deal with time, party, quantity and rate
- 2Release metal only after the RTGS credit shows in the bank portal
- 3Hand delivery staff the bill with bar numbers and purity
1:00 pmNet open position check
- 1Physical stock plus pending deliveries and receipts against MCX hedge
- 2Hedge or square if open quantity is above the limit
7:00 pmEvening close of deals, stock and bank
- 1Deal book matched with bank credits and deliveries
- 2Physical stock counted and matched with the sheet
Every week
MonWeekly KYC and cash review
- 1New parties have PAN, GSTIN and bank proof
- 2Cash by party this month; any Rs 10 lakh or more reported
Every month
10thMonthly GST and bank reconciliation
- 1Sales and purchase registers matched with GSTR-1 and 2B
- 2Supplier and party balances confirmed
Every year
AprInsurance, scale stamping and FIU details renewal
- 1Vault and transit insurance renewed
- 2Scales stamped by Legal Metrology
- 3FIU-IND principal officer and details current
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.
Rate-fixed sale
- 1Rate asked and deal fixed
- 2Large deal approved by ownerNeeds approval
- 3RTGS credit confirmed
- 4Bar delivered with bill
- 5Hedge squared
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.
Deal book
Party KYC and cash file
Stock and position sheet
Release metal only on confirmed credit
Never hand over metal against a promise
KYC, cash and PMLA for bullion
Stay within anti-money-laundering and cash laws
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 |
|---|---|---|
| Gold bar 999 (100 g and 1 kg) | 71081200 | 3% |
| Gold bar 995 (1 kg) | 71081200 | 3% |
| Gold coins (1-10 g) | 71189000 | 3% |
| Silver bar 999 (1 kg and 30 kg) | 71069110 | 3% |
| Silver coins | 71189000 | 3% |
| Delivery charge billed to buyers | 996812 | 18% |
- GST registration
- PAN
- Shops and Establishments registration
- Trade licence
- FIU-IND registration (PMLA)
- Insurance policy
- Weighing scale stamping
- 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.
OwnerQuotes premiums, fixes large deals, hedges on MCX, manages bank and supplier lines.
DealerAnswers rate calls and WhatsApp, writes deals, confirms RTGS.
AccountantMatches bank credits, raises bills, keeps KYC and PMLA records, files GST.
Delivery staffDelivers bars and coins with bills, brings back receipts, uses insured couriers.
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 bullion and gold wholesaler?
Type one line about your business when you sign up, for example "Bullion and gold wholesaler". 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.
Jewellery and diamonds
Other traders and distributors in jewellery and diamonds
Run a bullion and gold wholesaler 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