Your customers
- Diamond manufacturers and exporters
- Diamond jewellery makers
- Other traders
- Retail jewellers buying solitaires
Jewellery and diamonds · Traders and distributors
MatruOS for a diamond trader and broker
Set up the way a diamond trader and broker runs: brokerage (dalali) of about 0.5-1% from the seller on each deal closed; traders earn 1-5% on parcels they buy, re-assort and sell. 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 diamond trader and broker deals with today, and what MatruOS sets up for it
Today
Parcels spread across many offices on paper jangads; nobody knows at a glance which are overdue. Buyers stretch 30-day terms to 90-120 days in the slump.
In MatruOS
MatruOS sets up 8 routines, 2 workflows, 3 registers and 8 licences for a diamond trader and broker, 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.
- Rough importer or manufacturer
- broker or trader
- manufacturer, exporter or jewellery maker
Your suppliers
- Manufacturers selling polished
- Rough importers and sightholders
- Other traders
- Lab-grown growers and polishers (separate parcels)
Credit and cash
Polished sold on memo or jangad with 30-120 days; rough mostly cash or 7-30 days; brokerage paid when the seller is paid
A broker carries no stock and waits for the seller to be paid before collecting dalali; a trader's money is locked in parcels for 1-4 months and in receivables of 30-120 days
Your screens use your words
CustomerPartyOrderDealItemParcelInvoiceBillSupplierSellerproductParcel
How it works
How MatruOS is set up for a diamond trader and broker
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Diamond trader and broker", typed when you sign up.
- Recognised as a diamond trader and brokerRoutines, 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 diamond trader and broker
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.
Lists every parcel out on memo by party and age each morning, flags those past their return date, and drafts a WhatsApp reminder to the holder
Asks you before sending
Builds the week's list of bills due and overdue and of dalali still owed, and drafts reminders to buyers and sellers
Asks you before sending
Works out profit per parcel from buying cost and sale price per carat, and lists stock held over 90 days at today's prices
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
10:30 amCheck what is out on memo before leaving the office
- 1List every parcel out on jangad, with whom, since when and its return date
- 2Weigh each packet in hand on the carat scale against the jangad
- 3Call buyers holding parcels past the return date
12:00 pmBazaar rounds and showing parcels
- 1Take only the packets you need in a sealed pouch
- 2Write a jangad for every parcel left with a buyer, signed by both
- 3Note each offer per carat against the seller's asking price
6:30 pmEvening settlement of deals and returns
- 1Match parcels back against jangads issued today
- 2Enter closed deals with price, credit days and due date
- 3Count and lock the safe; parcels on memo listed
Every week
MonDue-date and dalali statement for the week
- 1List bills falling due this week and those already overdue
- 2List dalali not yet received for deals already paid
- 3Draft polite reminders for the owner to send
Every month
5thParcel profit and stock by carat
- 1For each parcel sold, buying cost against sale per carat
- 2Stock left in carats and value at today's price list
- 3Parcels held over 90 days flagged for a decision
10thKYC and cash-deal check (PMLA)
- 1Every new party has PAN, GSTIN and a reference on file
- 2No cash receipt of Rs 2 lakh or more from one party in a day
- 3Any cash dealing of Rs 10 lakh or more (single or linked) reported to FIU-IND
Every year
Oct, NovDiwali closing, chopda pujan and memo clean-up
- 1Call back every parcel on memo before the bazaar closes for Diwali
- 2Settle dalali and dues before the holiday
- 3New books opened on Labh Pancham; old balances carried forward
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.
Memo sale through a broker
- 1Parcel taken on jangad
- 2Shown to buyers
- 3Seller confirms the priceNeeds approval
- 4Buyer keeps parcel and bill raised
- 5Payment received on due date
- 6Dalali paid to broker
New buying party
- 1Reference from a known trader
- 2PAN and GSTIN collected
- 3Credit limit approvedNeeds approval
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.
Jangad (memo) book
Deal and due-date book
Party KYC file
Parcel custody on memo
Never lose track of a stone that is not yours
KYC and cash rules for diamond dealers
Stay inside PMLA and income-tax cash limits
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 |
|---|---|---|
| Rough diamonds (natural) | 71021000 | 0.25% |
| Polished diamonds melee (below 0.10 ct) | 71023910 | 1.5% |
| Polished diamonds pointer (0.10-0.49 ct) | 71023910 | 1.5% |
| Polished solitaire (0.50-0.99 ct) | 71023910 | 1.5% |
| Polished solitaire (1 ct and above) | 71023910 | 1.5% |
| Lab-grown polished diamonds (parcel) | 71049100 | 3% |
| Brokerage on diamond deals (dalali) | 996211 | 18% |
| Certified solitaire with lab report | 71023910 | 1.5% |
- GST registration
- PAN
- Udyam (MSME) registration
- Shops and Establishments registration
- FIU-IND registration (PMLA)
- Insurance policyIf it applies
- Import Export Code (IEC)If it applies
- Export council membership (RCMC)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.
BrokerTakes parcels on jangad, shows them to buyers, negotiates price per carat, collects dalali.
TraderBuys and assorts parcels, sets asking prices, approves credit, signs jangads and bills.
AssorterSorts parcels by size, shape, colour and clarity, weighs on the carat scale, prepares packets.
AccountantRaises bills, tracks due dates and dalali, keeps KYC and cash records, files GST.
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 diamond trader and broker?
Type one line about your business when you sign up, for example "Diamond trader and broker". 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 diamond trader and broker 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