Your customers
- Retail jewellers
- Smaller wholesalers
- Exporters
Jewellery and diamonds · Traders and distributors
MatruOS for a gold jewellery hallsale trader
Set up the way a gold jewellery hallsale trader runs: making charge (labour per gram or percent) and wastage margin on ornaments sold by weight to retailers; trading margin on bought-in designs. 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 gold jewellery hallsale trader deals with today, and what MatruOS sets up for it
Today
Gold out with 10-100 karigars; ghat per karigar known only at month end, and a karigar can vanish with gold. Retailers settle partly in fine gold, partly in old gold and partly in rupees; balances in two units disputed.
In MatruOS
MatruOS sets up 9 routines, 2 workflows, 3 registers and 12 licences for a gold jewellery hallsale trader, 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.
- Bullion
- hallsale manufacturer-wholesaler (with karigars)
- hallmarking centre
- retailer
- customer
Your suppliers
- Bullion dealers and banks (gold metal loan)
- Karigar workshops
- Casting and chain units
- Stone setters
- Hallmarking centres
- Insured couriers
Credit and cash
Bullion paid by RTGS before delivery or drawn on a metal loan; retailers settle in fine gold, old gold or rupees at an agreed rate within 7-60 days; karigars paid majuri weekly
Gold itself is the working capital (Rs 4-12 crore for 30-60 kg); metal loans from banks and family money; retailers often pay in old gold, which is refined or re-alloyed
Your screens use your words
CustomerRetailerItemOrnamentInvoiceBillStaffKarigar
How it works
How MatruOS is set up for a gold jewellery hallsale trader
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Gold jewellery wholesaler", typed when you sign up.
- Recognised as a gold jewellery hallsale traderRoutines, 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 gold jewellery hallsale trader
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.
Works out net fine gold position (stock + with karigars + due from retailers − owed to bank and dealers) against today's rate and shows the rupee exposure before the seth buys
Works it out and shows you
Computes ghat on each returned job card against the karigar's allowance, keeps a running fine-gold balance per karigar and alerts the seth when a balance or ghat crosses its limit
Works it out and shows you
Prepares each retailer's statement in fine grams and rupees with approval pieces outstanding, ready to send on WhatsApp
Asks you before sending
Ranks designs by last season's sales and retailers' early orders and suggests quantities and karigar capacity for the festival build
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 amGold rate and bullion buying
- 1Note the IBJA and association rate for 999 and 916
- 2Check net gold position before buying
- 3Fix purchases with the bullion dealer; RTGS before delivery
11:00 amMelt, check touch and issue gold to karigars
- 1Alloy fine gold to the required karat; check the melt on the touch machine
- 2Weigh on the stamped scale and issue on a job card
12:30 pmSend lots for hallmarking and receive HUID lots
- 1Raise the request on the BIS portal with purity and article count
- 2On return, match HUIDs to pieces and stock tags
- 3Failed pieces sent back to melting
6:00 pmReceive ornaments and work out ghat
- 1Weigh ornaments, scrap and dust separately
- 2Ghat against the karigar's written allowance
- 3Ghat over allowance sent to the seth
Every week
SatWeekly karigar majuri settlement
- 1Majuri per karigar from job cards at the item rate
- 2Deduct excess ghat and advances
- 3Pay by bank transfer; cash only up to Rs 10,000 a day per person
MonRetailer statements in fine gold and rupees
- 1Balance per retailer in fine grams and rupees
- 2Approval stock out over 15 days listed
- 3Statements sent on WhatsApp after the seth checks them
Every month
2ndMonthly fine-gold reconciliation
- 1Opening gold + bought + received = sold + with karigars + stock + loss
- 2Average ghat per karigar against allowance
- 3GST return and job-work challan records
Every year
MarYear-end stock audit, insurance and BIS upkeep
- 1Physical stock by weight including gold with karigars
- 2Jewellers block insurance renewed
- 3BIS registration 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.
Gold to karigar to ornament
- 1Gold alloyed and touch checked
- 2Issued on job card
- 3Ornaments and scrap returned
- 4Ghat over allowance approvedNeeds approval
- 5Majuri paid
Hallmarking and sale to a retailer
- 1Lot hallmarked and HUIDs matched
- 2Approval stock limit approvedNeeds approval
- 3Stock taken to retailer
- 4Pieces kept and bill raised
- 5Settled in gold or rupees
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.
Karigar gold ledger (job cards)
Retailer metal and rupee ledger
Hallmarking lots
Metal accounting with karigars
Account for every gram of fine gold
Hallmark and HUID before first sale
Sell only correctly hallmarked gold in notified districts
Cash, KYC and PMLA
Stay within cash and anti-money-laundering rules
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 |
|---|---|---|
| 22K gold jewellery (plain ornaments) | 71131910 | 3% |
| 18K gold jewellery (lightweight) | 71131910 | 3% |
| 22K gold chains (machine-made) | 71131910 | 3% |
| Gold bangles and kadas (22K) | 71131910 | 3% |
| Stone-studded gold jewellery (CZ and colour stones) | 71131910 | 3% |
| Making charge billed separately on retailer's gold | 998892 | 5% |
- GST registration
- PAN
- Udyam (MSME) registration
- Shops and Establishments registration
- BIS hallmarking registration
- FIU-IND registration (PMLA)
- Insurance policy
- Weighing scale stamping
- Professional tax registration
- Trade licenceIf it applies
- Pollution consent (CTO)If it applies
- Fire NOCIf 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.
SethBuys bullion and fixes rates, decides designs, approves credit and approval stock, watches the gold position.
MunimKeeps karigar and retailer ledgers in fine gold and rupees, keeps melting and touch records, files GST.
Workshop managerAlloys and issues gold to karigars, receives ornaments, works out ghat, checks finish.
SalesmanCarries approval stock to retailers in other towns, takes orders, collects gold or payment.
Hallmark clerkRaises requests on the BIS portal, sends lots to the AHC, matches HUIDs to stock.
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 gold jewellery hallsale trader?
Type one line about your business when you sign up, for example "Gold jewellery 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 gold jewellery hallsale trader 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