Your customers
- Silver wholesalers
- Retail jewellers (soni)
- Other clusters (Agra bases to Salem and Rajkot)
- Exporters of 925 jewellery
- Online sellers
Jewellery and diamonds · Makers and factories
MatruOS for a silver payal and ornaments maker
Set up the way a silver payal and ornaments maker runs: labour (majuri) per kg or per gram on top of the silver value, plus the margin between the touch declared and the alloy cost; sale of scrap and filings back to the refiner. 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 silver payal and ornaments maker deals with today, and what MatruOS sets up for it
Today
Silver lies with dozens of home karigars and the loss per lot is not known until month end. Silver price swings on stock, work in progress and silver lent to wholesalers.
In MatruOS
MatruOS sets up 9 routines, 2 workflows, 3 registers and 7 licences for a silver payal and ornaments maker, 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 dealer
- payal maker (+karigars)
- silver wholesaler
- retail jeweller
- customer; scrap
- refiner
Your suppliers
- Bullion dealer (999 silver bars and granules)
- Copper alloy seller
- Home karigars (chain, kadi, ghungroo, joining)
- Polishing and rhodium job workers
- Hallmarking centre
- Refiner (scrap and dust)
Credit and cash
Silver bought cash-and-carry with same-day RTGS; wholesalers pay in fine silver or cash in 7-30 days; karigars paid weekly in cash or UPI; advances to karigars before Diwali and Holi
Silver stock is the working capital. One kg of fine silver is about ₹2.46 lakh, so a small karkhana carries ₹25-75 lakh of metal in process. Rate risk on unsold stock and on silver lent to wholesalers is the biggest money swing.
Your screens use your words
CustomerWholesalerItemDesignInvoiceBillSupplierBullion dealerproductPayalworkerKarigar
How it works
How MatruOS is set up for a silver payal and ornaments maker
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Silver payal and ornaments maker", typed when you sign up.
- Recognised as a silver payal and ornaments makerRoutines, 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 silver payal and ornaments maker
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 fine silver owned, with karigars, with wholesalers and owed to the bullion dealer, values it at today's rate, and shows how much to buy for today's melts
Asks you before paying
Compares fine weight returned with fine weight issued for each lot and karigar, and flags lots above the allowed loss with the grams and rupees involved
Works it out and shows you
Drafts the weekly majuri sheet per karigar, deducts excess loss at the day's rate and advances, and prepares UPI payouts for approval
Asks you before paying
Prepares each wholesaler's statement in fine grams and rupees, ages the balances and drafts a WhatsApp reminder
Asks you before sending
Ranks designs by last season's sell-through and suggests quantities and a stepped silver-buying plan for the festival 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
10:30 amFix the day's silver rate and buy metal
- 1Check the MCX and local bullion rate for silver per kg
- 2Check fine silver in hand, with karigars and owed to or by wholesalers
- 3Buy bars for today's melts against RTGS; note rate and weight
- 4Send the day's rate to wholesalers on WhatsApp for fine-against-cash deals
11:00 amIssue silver wire and strip to karigars
- 1Weigh each lot on the calibrated scale and write gross weight and touch
- 2Enter the design, pieces expected and allowed loss in the karigar book
- 3Karigar signs or thumbs the book; photo of the slip kept
12:00 pmMelt, alloy and test touch
- 1Weigh fine silver and copper for the target touch
- 2Melt, pour and test a sample by touchstone or XRF
- 3Record bar weight and melting loss in the melt book
6:30 pmReceive pieces and scrap back by weight
- 1Weigh finished pieces, then scrap and filings separately
- 2Work out fine weight returned against fine weight issued
- 3Flag any lot whose loss is above the allowance
Every week
SatPay karigar majuri for the week
- 1Total kg or pieces returned per karigar by design
- 2Apply the labour rate per design and deduct excess loss at the day's rate
- 3Owner approves; pay cash or UPI and record advances
Tue, FriPack and dispatch to wholesalers
- 1Tag each pair with gross weight, touch and design number
- 2Make the bill: weight × touch for fine, plus labour
- 3Hand over by hand or through angadia; enter in party ledger
Every month
28thReconcile silver with every karigar and wholesaler
- 1Close each karigar account in fine grams and settle loss beyond allowance
- 2Send each wholesaler a statement in fine silver and in rupees
- 3Physical stock by weight against book stock
Every year
MarYear-end stock audit by weight and karigar confirmations
- 1Count and weigh all stock, work in progress and scrap
- 2Get each karigar and wholesaler to confirm the fine silver balance
- 3Value closing stock at the 31 March rate for the books
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.
Silver to finished payal
- 1Bar melted and alloyed to touch
- 2Wire and strip issued by weight
- 3Chains and ghungroo made at home
- 4Returned and weighed with scrap
- 5Excess loss approved or chargedNeeds approval
- 6Joined polished tagged
Sale to a wholesaler
- 1Order by design and weight
- 2Credit or fine deposit approvedNeeds approval
- 3Bill made (fine plus labour)
- 4Goods handed over
- 5Settled in fine silver or cash
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 silver book
Wholesaler silver and cash ledger
Melt and touch book
Silver custody at issue and return
Know where every gram of fine silver is
Purity (touch) declaration and hallmarking
Sell at the touch declared and avoid disputes
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 |
|---|---|---|
| Silver payal 80 touch | 7113 | 3% |
| Silver payal 70 touch | 7113 | 3% |
| Sterling silver payal 925 | 7113 | 3% |
| Silver toe rings (bichhiya) | 7113 | 3% |
| Silver chain | 7113 | 3% |
| Silver waist belt (kamarpatta) | 7113 | 3% |
| Oxidised silver jewellery | 7113 | 3% |
| Silver puja articles (diya and samai) | 7114 | 3% |
| Payal making job work for wholesaler | 998892 | 5% |
| Silver scrap and filings to refiner | 7112 | 3% |
- GST registration
- Udyam (MSME) registration
- Shops and Establishments registration
- BIS hallmarking registrationIf it applies
- Import Export Code (IEC)If it applies
- Pollution consent (CTO)If it applies
- Factory licenceIf 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.
Owner (karkhanedar)Buys silver at the day's rate, fixes labour per design, sells to wholesalers, approves loss beyond allowance.
MunimKeeps the karigar silver book and party ledger, weighs at issue and return, prepares majuri sheet.
Melter (galaiwala)Melts and alloys to touch, draws wire and strip, sends samples for touch test.
KarigarMakes chains, kadi, ghungroo and joints at home or in the karkhana, returns pieces and scrap by weight.
FinisherSolders and joins, polishes, oxidises or sends for rhodium, tags weight and touch, packs.
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 silver payal and ornaments maker?
Type one line about your business when you sign up, for example "Silver payal and ornaments maker". 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 makers and factories in jewellery and diamonds
Run a silver payal and ornaments maker 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