Ke hele mai nei nā Neobanks i India.
A maikaʻi ka ʻike ʻana i nā manaʻo hou a me nā hoʻopau ʻana a lākou e lawe mai ai. He maʻalahi kēia mau Neobanks e hoʻomaka, palekana like, a ʻoi aku ka maikaʻi o ke kumukūʻai.
Eia kekahi o nā Neobanks India kiʻekiʻe hiki iā ʻoe ke hoʻāʻo i kou mau lima. ʻAʻole like kēia me nā papa inoa ʻē aʻe o Neobanks - ua papa inoa wau i kēlā mau polokalamu i hana, a loaʻa kahi waihona hoʻohana kūpono.
ʻAʻole, ʻaʻole ʻo Paytm Payments Bank kekahi o lākou.
Ma mua o ko mākou komo ʻana i ka papa inoa, eia kahi hoʻolauna liʻiliʻi e pili ana iā Neobanks.
He aha ka Neobank?
ʻO kahi Neobank kahi panakō kikohoʻe wale nō me ka loaʻa ʻole o ke kino. ʻAʻohe lālā kahi e hiki ai iā ʻoe ke waiho kālā, ʻaʻohe pepa, ʻaʻohe kipa kino.
Akā ʻaʻole ʻo Neobank kahi panakō inā lawe ʻoe i nā lula RBI i ka memo. ʻO ka ʻoiaʻiʻo, ʻaʻole ʻōlelo kekahi o nā lawelawe ma lalo nei he panakō. ʻO lākou nā polokalamu kālā a me nā lawelawe. ʻAʻole loaʻa iā lākou ka ʻōnaehana e mālama ai i kāu mau waihona.
Ke hoʻohana nei kēia mau Neobanks i nā panakō maʻamau ʻē aʻe e like me kā lākou waihona kālā, pēlā e ʻōlelo ai. ʻO kāu moʻokāki me kēia mau Neobanks e mālama ʻia a hoʻoponopono ʻia e nā ʻoihana kālā i laikini ʻia e RBI ma ke ʻano he mau panakō. E like me HDFC, a me ka panakō ICICI.
ʻO ke kālā āu e waiho ai i kāu moʻokāki Neobank e mālama ʻia a mālama ʻia e ka panakō hoa. E noʻonoʻo i kāu helu moʻokāki Neobank ma ke ʻano he koho ma waena o ʻoe, ka Neobank a me ka panakō hoa.
Ke hana nei kēia mau Neobanks i mea maʻalahi i kā lākou mea kūʻai. ʻAʻole pono ʻoe e hele i ka nui o nā pepa. ʻOi aku ka wikiwiki o ke kākoʻo ma mua o nā panakō maʻamau; ʻO kā lākou polokalamu he mea hou kēia, a ʻaʻole pono ʻoe e uku i nā tona o nā uku ʻē aʻe.
A ʻo ia ke kumu i makemake nui ai koʻu hanauna.
E hoʻomaka kākou i kā mākou papa inoa o nā Neobanks maikaʻi loa ma India.
1. ʻO Fi. (Fi.Money)
ʻO Fi ka Neobank mua loa aʻu i makemake ai. Ma mua o kona hoʻomaka ʻana, ua loaʻa iā mākou nā panakō kikohoʻe ʻōiwi a i ʻole nā hana manawa pōkole i haʻalele koke i ka ʻoihana ma muli o nā kumu like ʻole, me ka hāʻule ʻana o ke kālepa.
ʻO ka laʻana maikaʻi loa ʻo IDFC Niyo. Loaʻa iā lākou kahi huahana maikaʻi akā ʻaʻole i kūʻai aku i ka lehulehu kūpono.
Akā ua hana pololei ʻo Fi i ka mea i hana ʻia - e hoʻopaʻa i ka hanauna ʻōpio a hāʻawi iā lākou i nā mea e pono ai. He waihona waihona manuahi, uku no e hoola i ke kala, UX maikaʻi loa, ʻaʻohe pepa.
A ua haʻi maikaʻi lākou i kā lākou ʻōlelo i ka lehulehu kūpono.
Ua hui pū ʻo Fi me Federal Bank. ʻO ke ʻano kēia ke wehe ʻoe i kahi waihona mālama kālā me Fi, ke wehe maoli nei ʻoe i kahi moʻokāki me Federal Bank pū kekahi.
Loaʻa iā lākou kahi UX maikaʻi a nānā pono ka Fi App. Loaʻa ia i kēia manawa no nā kelepona Android wale nō. I kēia manawa, ua ulu ikaika loa a ua makemake nā mea hoʻohana iā ia.
He maʻalahi ka wehe ʻana i kahi moʻokāki. Pono ʻoe e kau inoa no kā lākou papa inoa kali a hoʻouna lākou iā ʻoe i kahi code Fi.nite me ka hoʻohana ʻana i hiki iā ʻoe ke hana i kahi moʻokāki ma ka app Fi. ʻOiai ma ka hapanui o nā hihia e loaʻa iā ʻoe ke komo koke i kāu code Fi.nite.
Hāʻawi ʻo Fi iā ʻoe e wehe i kahi moʻokāki mālama kālā ʻole kahi a hiki i 5 lakhs i hōʻoia ʻia e RBI.
Ma ka app, hiki iā ʻoe ke nānā i kāu mau hana i hala. E ʻike maopopo i kahi a me ka nui āu e hoʻolilo ai i ka hapa nui o kāu kālā.
Loaʻa iā ʻoe kahi kāleka hōʻaiʻē manuahi, hoʻohana ʻia e VISA. Hiki iā ʻoe ke unuhi i ke kālā, hana ma ka pūnaewele, hoʻohana iā PayWave a hoʻopaʻa iā ia me hoʻokahi kaomi i kēlā me kēia manawa āu e makemake ai.
ʻAʻohe uku no nā hoʻololi NEFT, IMPS a i ʻole RTGS. Loaʻa iā ʻoe 2 mau puke nānā i kēlā me kēia hapaha no ka manuahi. ʻAʻohe uku forex pū kekahi.
Inā kamaʻāina ʻoe i ka hiʻohiʻona iWish o ka panakō ICICI, hāʻawi ʻo Fi i kahi mea like me ia. Hiki iā ʻoe ke hana i nā lula FIT a mālama maʻalahi i kahi nui i hoʻonohonoho ʻia i kēlā me kēia manawa āu e hana ai i kahi kālepa. A loaʻa iā ʻoe ka uku no mālama i kāu kālā.
Aia kekahi hiʻohiʻona i kapa ʻia ʻo Stash. E noʻonoʻo iā ia he waihona paʻa maʻalahi. Hiki iā ʻoe ke waiho i kekahi kālā, i kēlā me kēia manawa a loaʻa iā 5.1% uku. Pa
Loaʻa iā ʻoe ke komo i ke kākoʻo kamaʻilio 24 × 7. Loaʻa ka Fi ma nā pūnaewele Android a me iOS.
Eia ke oki, Loaʻa iā Fi ka hui maikaʻi loa ma hope o ia. ʻO ka hui e kū nei ma hope o Fi ka poʻe ex-Google, PayPal, PhonePe a me nā limahana Paytm.
Ua helu au iā Fi ma ke ʻano he #1 Neobank ma India.
2. Jupiter (Jupiter.Money)
Dia ʻo ia ka Neobank kaulana loa e like me 2021 ma India.
Mahalo a pau i kā lākou kūʻai ʻana a me ke ʻano o ke kūkulu ʻana i kahi panakō me nā millennials ma ke ʻano he papahana kaiāulu.
Ua hana ʻo Jupiter i kahi ʻaha kūkā no nā poʻe e hui pū a kaʻana like i nā hiʻohiʻona, ʻike i nā pōpoki, a hoʻāʻo i ka beta app, e lilo ia i mea punahele punahele.
Me Jupiter, uku ʻia ʻoe no ka hoʻolilo kālā. No kēlā me kēia hoʻolimalima kālā, loaʻa iā ʻoe ka 1% ma ke ʻano he uku. Ua kapa ʻia kēia uku he "mea nani" ʻaʻole i pau a hiki ke hoʻololi ʻia i ke kālā i kēlā me kēia manawa āu e makemake ai.
ʻO ia ke kumu nui e hoʻohana ai i nā kāleka debit Jupiter a me UPI. Loaʻa iā ʻoe kahi hoʻihoʻi 1% i kēlā me kēia manawa āu e hoʻolilo ai i ke kālā, uku ʻia ma ke kālā.
Ua hui pū ʻia ʻo Jupiter me Federal Bank, ʻo ia hoʻi nā mea āpau a Fi i hāʻawi ai, ʻo Jupiter pū kekahi. He maʻalahi loa ka wehe ʻana i kahi waihona mālama kālā me Jupiter. Pono ʻoe e hoʻopiha i ka wikiō KYC a waiho i INR 3000 no ka manawa mua e kiʻi i nā hiʻohiʻona āpau.
Loaʻa iā ʻoe kahi kāleka hōʻaiʻē VISA manuahi, paʻa nani pū kekahi. ʻAʻohe uku makahiki, ʻaʻohe uku mālama, a i ʻole uku kālepa.
Hāʻawi ʻo Jupiter i nā ʻike hohonu i kāu hoʻolimalima. Hoʻokaʻawale ia i nā kālepa i nā ʻāpana he nui a hiki iā ʻoe ke nānā i kahi e hele ai kāu kālā. He ala maikaʻi e ʻike ai i kahi āu e hoʻolimalima nui ai.
No ka mea ua hoʻohana ʻia e UPI, hiki iā Jupiter ke huki i nā waihona kālā he nui i pili i kāu helu a hōʻike iā ʻoe i kāu waiwai ʻupena wai o kēia manawa. E like me ka mea INDmoney hana.
Aia kekahi hiʻohiʻona waihona kālā i kapa ʻia Nā ipuhao.
Hiki iā ʻoe ke hoʻonohonoho i kekahi mau pahuhopu kālā a waiho i ke kālā ma kēia mau Pots. A e loaʻa iā ʻoe ka uku, ke hoʻopau ʻoe i kāu pahuhopu. ʻAʻohe uku no ka unuhi ʻana, ʻaʻohe mea.
Hoʻohālikelike ʻia me Fi, e uku ʻo Jupiter iā ʻoe i ka uku ma hope o ke kālepa 6th IMPS. Aia kekahi uku no NEFT/RTGS ma hope o 5 mau hana i ka makahiki.
He wikiwiki ka hui kākoʻo o Jupiter, a he hui kaiaulu ko lākou pū kekahi.
Loaʻa ʻia ʻo Jupiter ma Android wale nō, a aia ka iOS app ma lalo o ka loiloi beta.
3. FREO.Kālā (Hoʻopaʻa manuahi)
ʻO Freo kekahi papahana Neobank aʻu i hahai pono ai.
Ke hoʻomohala ʻia nei ia, akā aia kekahi mau hiʻohiʻona nui e hoʻowalewale iā ʻoe, e like me:
- 7% uku pānaʻi - Paʻi kēia i nā FD a me nā kālā aie, ʻo ia hoʻi ma kahi waihona mālama mālama ʻole.
- Laina aie me kāu waihona mālama.
- Kāleka Freo – a uku kāleka me ka uku ole, a me 30-la manawa ukupanee.
ʻO kā lākou papa inoa poʻokela - Ua hoʻomaikaʻi nui ʻia ʻo Money Tap i nā mahina i hala iho nei. He polokalamu ia e hiki ai iā ʻoe ke lawe i kahi hōʻaiʻē pilikino koke. I kēia manawa, ua hāʻawi lākou i ka INR 4,000 crores ma o Money Tap.
A ke hoʻohana nei lākou i nā haʻawina i aʻo ʻia me Money Tap e hana i ka Freo, kahi waihona mālama kālā.
E hui pū ana ʻo Freo me Equitas Small Finance Bank.
Aia ʻo Freo ma lalo o ka pae hoʻāʻo Alpha. He mau hiʻohiʻona hou aʻe paha e hiki mai ana. Inā makemake ʻoe e lilo i kekahi o nā mea hoʻohana Freo mua, hiki iā ʻoe ke kau inoa no kā lākou papa kali ma Freo.Money.
Noʻu, he manaʻo maikaʻi loa ia a he mea hou.
Hoʻohou - Ke ola nei ʻo FreoSave i kēia manawa.
4. INDmoney Super Saver moʻokāki
Ma hope o kekahi mau mahina o ka ʻike ʻana i ka moʻokāki Super Saver hou a INDMoney, manaʻo wau he pololei ia e hoʻohui i kēia papa inoa o Neobanks.
He Neobank ia, ma hope o nā mea a pau. Hoʻohana ʻia ka waihona Super Saver a INDmoney e ka panakō SBM.
Ma o ka panakō SBM, nā paepae like INDMoney a hiki iā Vested ke kākoʻo i ka hoʻoili manuahi ʻana o ka INR i ka USD no ka hoʻomaʻamaʻa ʻana i nā manawa kūʻai waiwai o ʻAmelika no nā India.
Eia nō naʻe, hana kēia moʻokāki e like me nā waihona kālā ʻē aʻe. Loaʻa iā ʻoe ka uku hoihoi i kēlā me kēia mahina, loaʻa iā ʻoe ke komo i ka waihona waihona waihona pūnaewele ma ka pūnaewele waihona SBM. Ke ʻakaʻaka koke nei lākou i kahi kāleka hōʻaiʻē paʻa pū kekahi.
ʻAʻole hiki iā ʻoe ke komo i kahi kāleka hōʻaiʻē, akā maopopo iaʻu ke ʻano o ka panakō SBM, inā e hoʻopili pololei ʻoe iā lākou, e hoʻouna aku iā ʻoe i kahi kāleka hōʻaiʻē.
No UPI, hiki iā ʻoe ke hoʻopaʻa inoa no ia me ka hoʻohana ʻana i kekahi app, e like me WhatsApp a i ʻole Slice. E hoʻohana wale i ka helu like āu i hoʻohana ai no ka wehe ʻana i ka moʻokāki INDMoney super a hoʻopaʻa inoa no ka UPI ma kekahi app e kākoʻo ana iā ia.
5. NiyoX
Hiki iā ʻoe ke hāʻawi NiyoX ʻO Neobank kahi hoʻāʻo. ʻO ia ʻo Equitas Small Finance i hoʻohana ʻia e ka waihona kālā kikohoʻe. E loaʻa iā ʻoe kahi uku pānaʻi 7% me NiyoX a hiki iā ʻoe ke hoʻokomo i loko Pūʻulu Mutual me ka hoʻohana ʻana i kā lākou moʻokāki 2-i-1.
He kāleka hōʻaiʻē maikaʻi loa ko NiyoX, akā manuahi no ka makahiki mua wale nō.
ʻAʻole loaʻa iā NiyoX nā hiʻohiʻona e like me Jupiter a i ʻole Fi, akā hana ia i ka hana.
A hiki iā ʻoe ke komo i kāu moʻokāki NiyoX ma o ka waihona waihona pūnaewele pū kekahi, ʻaʻole i ʻae ʻia ke koena o nā mea ʻekolu i luna. Pono ʻoe e hoʻopaʻa inoa me kā lākou hui panakō e komo i ka waihona kālā.
Mool.One, Fold.Money, Neo-Bank na Atlas a me Finin
ʻAʻole wau i hoʻokomo iā lākou i loko o kēia papa inoa no hoʻokahi kumu hoʻokahi - ʻaʻole wau i manaʻo e hiki iā lākou ke hoʻokūkū me Jupiter a me Fi. ʻO ia inā hoʻomaka lākou i kā lākou huahana i kēlā me kēia manawa koke.
Ua hoʻomohala ʻia ʻo Fold.Money no nā makahiki ʻelua i hala. ʻAʻohe hana a Finin. ʻAʻole hoʻolaha ʻo Neo-Bank e Atlas i kahi hoʻonui maikaʻi.
ʻO Mool.one wale nō ka manaʻo hoʻohiki. Eia nō naʻe, nui ka manawa kali ma mua o ka hoʻomaka ʻana o Mool i kā lākou polokalamu Neobank mua.
O ia wale nō.
Aia kekahi mau Neobanks ʻē aʻe ma India ʻaʻole i hana i kēia papa inoa, e like me RazorPayX a me Neobank e Atlantis, me kahi pūʻulu o nā waihona kālā kikoʻī mokuʻāina.
No ka mea ʻaʻole maikaʻi kēia mau panakō e like me Jupiter a i ʻole Fi. RazorPayX kūkulu ʻia no nā ʻoihana.
He huaʻōlelo hou ʻo Neobanks no ka poʻe India, no laila pono mākou e kali a nānā i ke ʻano o ka hana ʻana o nā mea hoʻokūkū hou i kēia wahi me nā manaʻo hou a me nā ala like ʻole.
A hiki i kēlā manawa, ʻo Jupiter, Fi, a me Freo nā ʻekolu Neobanks maikaʻi loa ma India.
E haʻi mai iaʻu i kou manaʻo ma nā manaʻo. Inā ua hoʻohana ʻoe iā Jupiter a i ʻole Fi, e kaʻana i kāu ʻike ma lalo nei.
ʻAe
Hiki iā mākou ke hoʻohana i ka hāʻawi kālā hoʻihoʻi kālā federalbank ma ka pūnaewele e-commerce, me ka hoʻohana ʻana i ke kāleka hoʻopukapuka fi.
Aayush Bhaskar
Hiki iā ʻoe.
Vineeth
E ʻoluʻolu e nānā iā Niyo a me kāna mau huahana a pau
Aayush Bhaskar
ʻOiaʻiʻo Vineeth, e uhi wau iā Niyo i nā ʻatikala e hiki mai ana.
ʻO Sayan
He aha ka waihona mua e pono ai no ka wehe ʻana i ka moʻokāki ma Fi?
Aayush Bhaskar
ʻAʻole - he helu kaulike ʻole i ka lua o ka wehe ʻana. Akā manaʻo lākou e mālama ma kahi o 3,000. A ʻaʻohe uku no nā mea pili i nā kāleka.
Huli
Hiki i kekahi kamaʻāina India ma luna o 18 mau makahiki ke wehe i ka moʻokāki ma Fi? A pono wau e noi kaʻawale no ke kāleka VISA?
Aayush Bhaskar
ʻAe! Hiki i kekahi ke wehe i kahi moʻokāki Fi. Loaʻa iā lākou kahi nānā PF paʻakikī i nā pae mua. Eia nō naʻe, ua lilo ia i mea nānā palupalu i koʻu ʻike. A e loaʻa iā ʻoe kāu kāleka hōʻaiʻē me ke kaʻina ʻole.
ʻO Richa
Pono nā kikoʻī ʻo Aadhar no ka wehe ʻana i ka waihona waihona ʻo Neo?
Aayush Bhaskar
ʻAe! ʻo Aadhaar lāua ʻo PAN.
S Garain
ʻO wai ʻo Neo Bank hiki ke hoʻohana ʻia ma ka pūnaewele? Hoʻomaopopo wau hiki ke hoʻohana ʻia ʻo Fi a me Jupiter ma Mobile App wale nō.
Aayush Bhaskar
Hiki iā ʻoe ke hoʻohana i ka waihona waihona kālā a Federal Bank inā ʻoe ma Fi a i ʻole Jupiter. Eia naʻe, ʻo ka neobank wale nō hiki iā ʻoe ke komo (i kēia manawa) ma o ka polokalamu kele pūnaewele ʻo AceNeobank (Ke manaʻoʻiʻo nei au aia nā mea i loaʻa ma nā wahi liʻiliʻi loa) a me Open.Money - no ka ʻoihana wale nō.