Your customers
- Families buying for weddings and festivals
- Investors buying coins
- Walk-ins
- Scheme members
- Regular families on udhaar
Jewellery and diamonds · Shops and showrooms
MatruOS for a jewellery shop
Set up the way a jewellery shop runs: making charges and wastage on gold jewellery, margin on stones and diamond jewellery, spread on old-gold exchange, silver articles, coins, savings schemes and repairs. 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 jewellery shop deals with today, and what MatruOS sets up for it
Today
Rate changes during the day; staff quote stale rates. Stock counted by weight by hand; a missing piece is found days later.
In MatruOS
MatruOS sets up 9 routines, 2 workflows, 4 registers and 10 licences for a jewellery shop, 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.
- Wholesaler or karigar
- retailer
- customer; old gold back to wholesalers and refiners
Your suppliers
- Hallsale manufacturer-wholesalers
- Karigar workshops for custom orders
- Bullion dealers
- Diamond jewellery makers
- Hallmarking centres
- Packaging sellers
Credit and cash
Buys from wholesalers on fine-gold credit or at rate within 7-60 days, often settling in old gold; customers pay cash (below Rs 2 lakh), UPI, card or bank; scheme instalments monthly; some udhaar for known families
Stock by weight is most of the capital; old gold recycled into new stock; scheme money and rate-lock advances are short-term funding
Your screens use your words
ItemOrnamentInvoiceBillSupplierWholesaler
How it works
How MatruOS is set up for a jewellery shop
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Jewellery shop", typed when you sign up.
- Recognised as a jewellery shopRoutines, 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 jewellery shop
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.
Compares morning and evening tray weights and tags with the stock and bills, flags missing tags or weight gaps, and lists gold pieces without HUID that must not be sold
Works it out and shows you
Sets today's 24K, 22K, 18K and silver rates in billing and drafts the WhatsApp rate status for customers
Asks you before sending
Lists orders due in 14 days with their stage, flags late ones and drafts updates to customers
Asks you before sending
Reminds members of instalments due, lists maturities and total scheme liability, and shows fine-gold and rupee balances with each wholesaler
Asks you before sending
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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 amOpen the safe and count stock
- 1Open the dual-key safe with a second person present
- 2Count trays by tag and total weight against last night
- 3Missing tag reported before the shop opens
10:45 amSet and send today's rate
- 1Take IBJA and association rate; set 24K, 22K, 18K and silver
- 2Update the board and the billing rate
- 3Send the rate status to customers on WhatsApp
11:00 amBill with HUID, PAN and pricing break-up
- 1Scan or type HUID; refuse to bill a non-HUID gold piece in a notified district
- 2Bill shows rate, net weight, making, wastage, stone value, hallmark charge and GST
- 3PAN for bills of Rs 2 lakh or more; no cash of Rs 2 lakh or more
8:30 pmEvening stock, cash and safe
- 1Weigh trays back; sold tags removed
- 2Cash, UPI and card tallied with bills
- 3Safe locked with two keys; CCTV checked
Every week
TueWedding and repair orders follow-up
- 1Orders due in the next 14 days and their stage
- 2Customers updated on WhatsApp after the owner checks
ThuWholesaler settlement and old-gold dispatch
- 1Balance with each wholesaler in fine gold and rupees
- 2Old gold sent for melting or given to the wholesaler against dues
Every month
5thSavings scheme instalments and maturities
- 1Members due this month and those behind
- 2Maturities this month and their benefit
- 3No scheme runs beyond 365 days
Every year
MarYear-end stock audit and renewals
- 1Full stock audit by weight and HUID
- 2Jewellers block insurance, scale stamping and BIS registration current
- 3New books opened on Diwali chopda pujan
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.
Sale with old-gold exchange
- 1Pieces chosen and weighed
- 2Old gold XRF tested and valued
- 3Deduction and discount approvedNeeds approval
- 4KYC and payment taken
- 5Bill with HUID and voucher issued
Wedding order with rate lock
- 1Designs booked and advance paid
- 2Rate lock terms fixedNeeds approval
- 3Order with wholesaler or karigar
- 4Hallmarked and trial done
- 5Final bill and delivery
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.
Tag stock (by piece and weight)
Old gold purchase vouchers
Orders, rate locks and repairs
Gold savings scheme ledger
Hallmark, HUID and price disclosure
Sell only hallmarked gold and show every part of the price
Safe, stock and cash security
Catch loss the same day and meet insurance terms
Gold savings scheme rules
Keep the scheme an advance for goods, not a deposit
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 (916 HUID) | 71131910 | 3% |
| 18K gold jewellery (750 HUID) | 71131910 | 3% |
| Diamond-studded gold jewellery | 71131910 | 3% |
| Lab-grown diamond jewellery | 71131910 | 3% |
| Silver jewellery and payal | 71131190 | 3% |
| Silver articles (utensils and idols) | 71141110 | 3% |
| Gold coins | 71189000 | 3% |
| Repair and polishing of customers' jewellery | 998892 | 5% |
| Hallmark charge passed to customer | 998346 | 18% |
- GST registration
- PAN
- Shops and Establishments registration
- Trade licence
- Udyam (MSME) registration
- BIS hallmarking registration
- FIU-IND registration (PMLA)
- Weighing scale stamping
- Insurance policy
- Professional tax 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.
OwnerSets the daily rate, buys stock, approves discounts and old-gold deductions, handles wedding families.
SalesmanShows designs, weighs, explains making and wastage, books orders.
CashierBills with HUID, takes PAN, collects payments and scheme instalments, tallies cash.
Karigar deskDoes repairs, resizing and polishing, follows custom orders with karigars.
Security guardOpens and closes the shop, watches CCTV, guards the safe.
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 jewellery shop?
Type one line about your business when you sign up, for example "Jewellery shop". 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 shops and showrooms in jewellery and diamonds
Run a jewellery shop 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