In this paper we have described a technique which uses the concept of stemming so that a word can be searched using its root form and hence no need to be worried about query word’s lexical forms. It also reduces search space by removing stopwords which are not helpful in search. . By varying threshold of index creation we can vary the no. of words in document descriptive i.e. index table. Our matrix multiplication approach finds out comparative results as which file are more relevant to the query and thus useful in ranked retrieval of documents. Use of ontology made a 70% recall for our system. Using phrase based approach with traditional term based approach we are able to increase relevancy between query and the result opted by user. Thus it shows an easy and fast approach to information retrieval.