Shin ku ɗalibin Indiya ne da ke neman mafita ta kuɗi?
Kalli wani wuri!
Ka'idodin kiredit guda 12 da aka ambata a ƙasa na ɗalibai ne waɗanda aka gano bayan cikakken bincike na kasuwa. Tare da saurin samun dama da damar ƙarfafawa, waɗannan aikace-aikacen suna sauƙaƙe sarrafa kuɗi.
Kuna iya tabbatar da gano madaidaicin mafita don buƙatunku, godiya ga mu'amala mai sauƙin amfani, farashi mai araha, da fasali iri-iri.
Waɗannan aikace-aikacen za su kula da bukatun sarrafa kuɗin ku, don haka ku daina damuwa. Yi amfani da mafi yawan lokacinku azaman ɗalibi ta hanyar sarrafa ƙimar ku yanzu!
1. PaySense
Paysense kasuwanci ne na fasaha na kuɗi wanda ke ba wa mutane a Indiya lamuni na sirri, layin bashi, da sauran sabis na kuɗi. Hukumar kiredit tana amfani da kimiyyar bayanai da koyan injina don tantance cancantar abokan ciniki.
Ya amince da lamuni ga mutanen da ba su da ƙimar ƙima mai kyau ko ɗan gajeren tarihin bashi. An kafa kasuwancin ne a cikin 2015, kuma tun daga lokacin, ta sami karramawa da yawa tare da ba da lamuni ga masu amfani da lakh sama da 2.5.
Ta hanyar zagaye na saka hannun jari da yawa, yana haɓaka abubuwan da yake bayarwa kuma yana kaiwa ga ƙarin abokan ciniki.
[Cibiyar cancanta: Shekaru 21 zuwa 65]
Features
- Samun dama ga lamuni na sirri, tare da adadin lamuni daga ₹ 5000 zuwa ₹ 5 lakh
- Yana ba da lamuni akan ƙimar 1.4% -2.3% riba kowace wata.
- Babu tarihin kiredit da ake buƙata don nema kuma a amince dashi
- Dalibai masu cancanta za su iya neman lamuni na gaba
- Siffar zare kudi ta atomatik don tunatar da ɗalibai yin biyan kuɗi akan lokaci
- Tsarin takunkumin lamuni na dijital ba tare da buƙatar takarda ba
- Yana amfani da ci-gaban kimiyyar bayanai da koyan na'ura don kimanta cancantar kiredit
2. jan kafet
RedCarpet wani dandamali ne na ba da lamuni na dijital wanda aka kafa a Indiya a cikin 2016. Tun daga wannan lokacin, ya girma cikin shahara saboda asali da dabarun bashi mai kusanci. Abokan ciniki za su iya samun dama ga sabis na kuɗi da samfurori daban-daban ta amfani da wani shiri na musamman da ake kira "RedCarpetX" wanda kamfanin ke bayarwa.
Hakanan sun shahara don dabarun mayar da hankali ga abokin ciniki, ƙimar riba mai ƙarfi, da zaɓin biyan kuɗi masu daidaitawa. Suna samar da hanyoyin ba da lamuni iri-iri da daidaita tsarin neman rance.
Kasancewa amintaccen rukunin yanar gizo, zaɓi ne mai ban sha'awa ga duk wanda ke neman sauƙi kuma madaidaiciyar hanyar samun kuɗi.
[Cibiyar cancanta: shekaru 18]
Features
- Nan da nan sake cika iyakar bashi da zarar ya ƙare
- Ƙarfin cire kuɗi ta amfani da katin RedCarpet a kowane ATM
- Sauƙaƙan biyan kuɗi da duba cikakkun bayanan katin ta hanyar app ko gidan yanar gizo
- Ka'idar RedCarpet tana aiki azaman mafita ta tsayawa ɗaya don sarrafa katin ku
- Tunatarwa na yau da kullun don kwanakin ƙarshe masu zuwa
3. Navi
Navi ƙa'idar sarrafa kuɗi ce ta sirri wacce ke taimaka wa masu amfani da sarrafa kuɗin su. Yana ba da fasali kamar bin diddigin kashe kuɗi, kasafin kuɗi, saitin burin kuɗi, masu tuni lissafin, bashi ci saka idanu, da saka hannun jari.
Hakanan yana taimaka wa masu amfani su gano wuraren da za su iya rage kashe kuɗi da ingantawa yanke shawara game da kuɗi. Kamfanin ya bayar da lamuni fiye da 11000. Navi yana da kyauta don saukewa akan dandamali na iOS da Android kuma yana biyan masu amfani da Indiya don gudanar da rayuwarsu ta kuɗi.
[Cancanci - shekaru 21]
Features
- 100% tsarin aikace-aikacen lamuni na dijital tare da ƙaramin takarda
- Tsari mai sauƙi da amintaccen tsari, mai sauƙin kewayawa
- Akwai goyon bayan abokin ciniki awa 24 a rana, kwanaki 7 a mako
- Zaɓuɓɓukan biyan lamuni na musamman, tare da wa'adin har zuwa shekaru 6
- Ƙididdigar ƙima ta farawa daga 9.90% pa akan lamunin kuɗi.
4. SlicePay
SlicePay farawar fintech ce ta Indiya wacce ke ba da kuɗi ga ɗaliban kwaleji. Ƙungiyar tana ba da katunan bashi da lamuni na sirri, tallafin kuɗi na tushen EMI, da biyan kuɗi don taimaka wa ɗalibai samun ƙima ba tare da tarihin jingina ko ƙirƙira ba.
Yana ƙididdige ƙimar ƙima ta amfani da algorithms na mallakar mallaka kuma yana da alaƙa tare da nau'ikan 'yan kasuwa da dandamalin kasuwancin e-commerce. SlicePay ya fara ne a cikin 2015 kuma yana son yin kwaleji mafi araha. Ya tara kuɗi don faɗaɗa ayyuka da isa ga ƙarin abokan ciniki.
[Cibiyar cancanta - shekaru 18]
Features
- Sauƙaƙe da sauƙi don samun lamuni har zuwa ₹ 5 lakh
- Zaɓuɓɓukan biyan kuɗi har zuwa watanni 12 ko biya da wuri don ajiyewa akan riba
- Kuɗin ciniki na lokaci ɗaya na kowane rancen da aka aro
- Sami lada na 2% akan kashe katin
- Ana cajin riba sifiri idan an biya lamunin cikin wata guda
- Gasa farashin riba akan EMI, tare da kewayon 12-15% na tsawon watanni 12 na biyan kuɗi.
5. Eduvanz
Eduvanz app ne na kuɗi na Indiya wanda ke mai da hankali kan ba da mafita na lamuni na ɗalibi. Suna son sanya samun kuɗi don makarantu da sauran abubuwan kashe kuɗi a matsayin mai sauƙi kuma mara rikitarwa gwargwadon yiwuwa. Wasu ayyuka, irin waɗannan, suna amfani da “yarjejeniya ta raba kudaden shiga” inda masu karɓar lamuni ke biyan lamunin a matsayin kaso na kudaden shiga.
Suna ba da lamuni don abubuwan kashe kuɗi daban-daban kamar kuɗin koyarwa, kayan kwas, da kayan aikin kwamfuta. Sun sami suna don samar da ƙarancin riba da tsarin aikace-aikacen gaggawa, wanda ke hidima ga ɗalibai don cimma burinsu na ilimi.
Gabaɗaya, Eduvanz zaɓi ne mai ban sha'awa ga ɗaliban da ke neman sassauƙa da sabuwar hanya don tallafawa iliminsu.
[Cibiyar cancanta - shekaru 18 zuwa 60]
Features
- Kalkuleta farashin lamuni na keɓaɓɓen
- Zaɓuɓɓukan abokantaka na ɗalibi da ingantaccen hanyoyin ilimi
- Izinin kai tsaye, 100% tsari akan layi ba tare da ɓoyayyiyar caji ba (kuɗin sarrafa 0% -5%)
- Ƙananan ƙimar riba bisa bayanin martabar ɗalibi
- Zaɓuɓɓukan biya masu sassauƙa.
6. LazyPay
LazyPay na Indiya, farawa na 2016, yana ba da lamuni akan layi. Ya shahara don bayar da kiredit nan da nan da hanyoyin dubawa masu sauƙi. Suna ba da zaɓuɓɓuka masu sauƙi don dubawa saboda abokantakar masu amfani da sumul tare da kasuwanci.
Mutane suna son bayar da lamuni cikin sauri na dandamali da samun sauƙin bashi, don haka ya shahara tsakanin abokan cinikin Indiya. Akwai sama da crore 6 da suka cancanci masu amfani. Suna ba da zaɓin lamuni iri-iri, gami da lamuni na mutum, lamuni don hutu, da sauransu.
LazyPay babban zaɓi ne ga duk wanda ke neman hanya mai sauƙi don samun kuɗi da amintaccen abokin kuɗi.
[Cibiyar cancanta - shekaru 18]
Features
- Bayar da kuɗi a cikin ƙasan daƙiƙa 90
- Sharuɗɗan biyan kuɗi masu dacewa na kwanaki 15
- Babu takardun jiki da ake buƙata da kuma amincewa nan take
- Ana iya amfani da kiredit na LazyPay a layi da kan layi a cikin miliyoyin 'yan kasuwa
- Keɓancewar haɗin gwiwa tare da dandamali daban-daban kamar Swiggy da Tumatir, yana ba abokan ciniki ƙarin takaddun shaida da tayi.
- Zaɓuɓɓukan zama masu sassaucin ra'ayi daga watanni 3-24, ba da damar abokan ciniki su zaɓi tsarin biyan kuɗi wanda ya fi dacewa da su.
- Farashin ribar gasa yana farawa daga 18% a kowace shekara, zuwa 32% a kowace shekara, ya danganta da adadin lamuni da lokacin aiki.
7. PostPe
PostPe dandamali ne na ba da lamuni na dijital da aka kafa a cikin 2019, a Indiya wanda aka san shi don aiwatar da aikace-aikacen lamuni cikin sauri da sauƙi. Suna bayar da lamuni ba tare da lamuni ba, layukan kiredit, da sauran zaɓuɓɓuka, dangane da bukatun ku.
Suna da mai da hankali sosai kan samar da sabis na abokin ciniki na musamman. Tambarin alamar su, "De Dena Aaram Se" wanda ke nufin 'biyan kuɗi a dacewa', yana nuna manufar su na baiwa abokan ciniki ikon sarrafa kuɗin su.
Tare da tarihin samar da mafita na bashi mai sauri da aminci, PostPe zaɓi ne abin dogaro ga waɗanda ke buƙatar hanyoyin lamuni nan take.
[Cibiyar cancanta - shekaru 21 zuwa 65]
Features
- Zaɓuɓɓukan EMI na musamman don ƙwarewar biyan kuɗi na keɓaɓɓu
- Amfani da kiredit na PostPe don sayayya akan layi ko a cikin shago
- Keɓaɓɓen dashboard ɗin kan layi don bin diddigin lamuni, kashe kuɗi, da EMIs
- Sauƙaƙan fasalin canja wurin kuɗi ta hanyar bincika lambar QR
- Iyakar bashi mara riba har zuwa Lakhs 10
- Gasar riba tsakanin 24-36% akan lamunin lamuni daga watanni 3-6
8. mKankaka
Mpokket kamfani ne na fasaha na kuɗi wanda ya ƙware wajen ba da lamuni na gaggawa ga ɗaliban kwaleji a Indiya. Burin su shi ne su saukaka wa dalibai samun kredit, ta hanyar amfani da wayoyinsu da kafafen sada zumunta.
Hakanan yana ba da katin kiredit mai kama-da-wane, wanda za'a iya amfani dashi don sayayya, biyan kuɗi, da caji. An kafa Mpokket a cikin 2017, tare da hangen nesa don sauƙaƙe kiredit, samun dama ga ɗalibai.
Ya zuwa yanzu, mPokket ya tara abokan ciniki miliyan 2+ gamsuwa tare da matsakaicin ƙimar taurari 4+ akan Google Play.
[Cibiyar cancanta - shekaru 18]
Features
- Tsarin aikace-aikacen rance mai sauri da sauƙi
- Ƙididdigar riba mai fa'ida, farawa ƙasa da 3.5% kowace wata
- Samun kuɗi kai tsaye ba tare da buƙatar alkawurran EMI na dogon lokaci ba
- Shahararren zaɓi tsakanin ɗalibai don samun damar kiredit
- Yana ba da lamuni masu ƙanƙanta daga ₹ 500 zuwa har zuwa ₹ 20,000, tare da zaɓuɓɓukan biyan kuɗi har zuwa watanni 4
9. BadaBro
Badbro sananne ne Credit app a Indiya wanda ke kula da ɗalibai na musamman. Sun san yana iya zama da wahala a sami daraja a matsayin ɗalibi, kuma suna ƙoƙarin sauƙaƙa shi. Aikace-aikacen yana ba da zaɓin lamuni iri-iri da lokutan biya masu ma'ana waɗanda ƙila a keɓance su don dacewa da takamaiman bukatun ɗalibai.
Sun amince sama da lamunin lakh 1, suna nuna shahararsu da ingancinsu. Suna ba da ƙimar kuɗi kaɗan da tsari mai sauƙi, wanda ke da mahimmanci ga ɗaliban da ke da matsalolin kuɗi da lamuni don biyan kuɗin makaranta.
Gabaɗaya, zaɓi ne mai ban sha'awa ga ɗalibai masu neman ƙima mai sauri da sauƙi.
[Cibiyar cancanta - shekaru 18]
Features
- Ƙimar kiredit mai ƙarfi yana farawa daga Rs. 1,000
- Sauƙaƙan buƙatar bashi ta kan layi, canja wuri nan take
- Tsarin yarda kan layi mai sauri
- Sharuɗɗa masu sassaucin ra'ayi tsakanin kwanaki 61 zuwa 90
- Adadin riba na 5% kowace wata
10. A aljihu
Pocketly shine aikace-aikacen kiredit a Indiya wanda ke ba da mafita ga matasa. Tambarin alamar su shine 'Credit for Young India', wanda ke mayar da hankali kan samar da damar bashi ga matasa masu iyakacin tarihin bashi. App ɗin yana da sauƙin amfani kuma yana ba da zaɓuɓɓukan lamuni iri-iri, gami da lamuni na sirri, lamunin balaguro, da ƙari.
Suna da tsarin aikace-aikacen gaggawa da mara kyau kuma suna ba da rarraba lamuni nan take ga abokan cinikin da suka cancanta. Ɗaya daga cikin manyan abubuwan da ya fi dacewa shi ne cewa yana da fiye da 1 miliyan zazzagewa akan Google Play, wanda ke nuna shahararsa a tsakanin matasa masu sauraro.
Hakanan an san su don ƙananan kuɗin ruwa, zaɓuɓɓukan biyan kuɗi masu sassauƙa, da tsarin da ya shafi abokin ciniki. Gabaɗaya, Pocketly babban zaɓi ne ga matasa a Indiya waɗanda ke neman ƙima mai sauƙi kuma mai sauƙi.
[Cibiyar cancanta - shekaru 18]
Features
- 24/7 bashi samuwa
- Cashback shirin
- Mai sauri, 2-danna tsarin rajista
- Kwarewar KYC mara wahala
- Farashin riba daga 12-36% kowace shekara
- Iyakar kuɗi har zuwa ₹ 10000 dangane da tarihin biyan kuɗi
- Zaɓuɓɓukan EMI masu sassauƙa da ikon rufe lamunin kowane lokaci
11. StuCred
StuCred sanannen aikace-aikacen kiredit ne tsakanin ɗalibai a Indiya, yana alfahari da al'ummar sama da masu amfani da lakh 3. Suna ba da lamuni mai sauƙi da zaɓuɓɓukan biyan kuɗi masu sauƙi. Hakanan suna da keɓantaccen fasalin Haɗin Student, haɗa ɗalibai tare da tsofaffin ɗalibai, takwarorinsu, da masana don jagorar kuɗi.
StuCred kyakkyawan zaɓi ne da tallafin kuɗi don ɗalibai, wanda kuma yana da tsarin aikace-aikacen mai sauƙi. Hakanan sun sadaukar da tallafin abokin ciniki don kowane taimako da ake buƙata yayin aiwatarwa.
[Cibiyar cancanta - shekaru 18]
Features
- StuCred yana ba da damar samun kuɗi nan take a ƙimar riba 0%.
- Ana cajin kuɗin lokaci ɗaya na 6% na jimlar adadin lamuni.
- Tare da fiye da kwalejoji 10,000 da aka jera, StuCred yana da sauƙin isa ga ɗalibai.
- Tsarin amincewar bashi yana da sauri da inganci, daidai bayan kammala aikin KYC
- Mafi ƙarancin adadin lamuni da StuCred ke bayarwa shine ₹ 1000
- Tare da daidaito da kuma biyan lamuni akan lokaci, StuCred yana ƙara ƙimar bashi har zuwa ₹ 15,000
12. kreditbee
KreditBee, babban dandalin ba da lamuni na dijital a Indiya, yana ba da zaɓuɓɓukan lamuni iri-iri da ƙwarewar mai amfani ga abokan cinikinta. Tare da tsari mai sauri da sauƙi na aikace-aikacen, suna ba da rancen gaggawa ga abokan ciniki masu cancanta. Suna da fa'ida mai yawa kuma sun taimaki mutane da yawa, kamar yadda aka nuna ta hanyar fitar da kuɗaɗen kuɗi sama da crores 30000 zuwa yau.
KreditBee sananne ne don tsarin sa na abokin ciniki, gasa farashin riba, da zaɓuɓɓukan biyan kuɗi masu sassauƙa. Yana da babban zaɓi ga waɗanda ke neman bashi mai sauƙi kuma mai sauƙi.
[Cibiyar cancanta - shekaru 21]
Features
- Farashin riba yana farawa daga 1.02% kowane wata kuma ya haura zuwa 2.49% a kowane wata
- Kreditbee yana amfani da dandamali na tushen AI don bincika cancantar lamuni, yana ba da tabbacin bayar da lamuni ga masu cancanta.
- Zaɓuɓɓukan lamuni da ake samu suna daga ƙasa da ₹ 1,000 zuwa sama da ₹ 3 Lakhs
- Tsarin neman lamuni na Kreditbee yana samuwa 24/7, ma'ana zaku iya neman lamuni a kowane lokaci.
- Tsarin bayar da lamuni yana da sauri, tare da samar da kuɗi a cikin mintuna 10 na amincewar lamuni
- Tsarin aikace-aikacen Kreditbee yana kan layi 100%, tare da takardu masu sauƙi, da rarrabawa ba tare da wahala ba.
Manyan Zaɓuka 3
Rage binciken manyan aikace-aikacen kiredit don ɗalibai a Indiya bai taɓa yin sauƙi ba! Bayan yin bitar a hankali 12 daga cikin mafi kyawun zaɓuɓɓuka, mun rage shi zuwa manyan ƙa'idodi 3 waɗanda dole ne a sami su.
Bari mu nutse kuma mu kwatanta waɗannan manyan zaɓen
1. mPokket
ribobi:
- Keɓancewar mai amfani mai amfani yana sauƙaƙa kewayawa da neman lamuni
- Kyakkyawan sabis na abokin ciniki wanda koyaushe a shirye yake don tallafawa tare da kowace tambaya ko damuwa
- Kayan aiki don tsawaita ranar ƙarshe, wanda ya dace da canje-canjen da ba zato ba tsammani a cikin yanayin kuɗi
fursunoni:
- Ƙananan ƙayyadaddun ƙididdiga na farko, kuma tsarin haɓaka shi na iya zama jinkirin
- An bayar da rahoton zargin ɓoye, har ma da ƙananan kuɗi
- Mafi girman ƙimar riba ga ɗalibai idan aka kwatanta da sauran ƙa'idodin kiredit.
- Bayar da lamuni na iya ɗaukar lokaci.
2. KreditBee
ribobi:
- Bayar da lamuni mai sauri wanda zai iya taimakawa idan akwai gaggawa
- Santsi kuma ingantaccen ƙirar mai amfani
- Bukatar ƴan takardu, yin aiwatar da aikace-aikacen mafi sauƙi
- Madaidaicin kudin ruwa na lamuni
fursunoni:
- Tsarin tabbatarwa na iya ɗaukar lokaci fiye da yadda ake tsammani
- Ƙimar kiredit ƙila ba ta da tasiri
- Kudin sarrafawa ya fi girma idan aka kwatanta da sauran aikace-aikacen kiredit
- Kwarewar tallafin abokin ciniki bazai gamsar ba.
3. SlicePay
ribobi:
- Cikakken tsari na dijital, yana ƙare buƙatar takaddun jiki
- Yana da kyau ga gaggawa saboda yana ba da ƙididdiga nan take a cikin mintuna 10
- Ƙananan farashin ruwa kuma babu ɓoyayyiyar caji
fursunoni:
- Rikicin mu'amala na iya zama da wahala a kewaya
- Rahoton goyon bayan abokin ciniki rashin amsa tambayoyin akan lokaci
- Iyakokin kuɗi sun ragu a cikin 'yan lokutan nan
- Iyakantaccen sassauci wajen zabar lokacin lamuni.
Our hukunci
Idan ya zo ga nemo madaidaicin ƙa'idar kiredit don ɗalibai, komai game da auna fa'ida da fa'ida ne. Kuma idan aka zo kreditbee, Ribobi sun fi nauyi fiye da rashin amfani!
Tare da rarraba lamuni mai saurin walƙiya, keɓancewar mai amfani, da ƙimar riba mai ma'ana, shine babban gwarzo 'asusun gaggawa'.
Kuna buƙatar kuɗi cikin gaggawa? KreditbBee yana da baya.
Gaji da takarda? Ƙananan takardun KreditBee canji ne maraba.
Farashin riba yana ba ku shuɗi? Adadin KreditBee kiɗa ne ga kunnuwanku.
Tabbas, babu app ɗin da yake cikakke, amma Kreditbee shine mafi dacewa ga ɗalibai tare da rarrabawar sa nan take da tsarin aikace-aikacen cikin sauƙi. Sanya KreditBee ɗan wasan ku a cikin duniyar kuɗin ɗalibai.
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