Kev them nyiaj digital tau dhau los ua qhov tseem ceeb ntawm peb lub neej niaj hnub hauv lub ntiaj teb niaj hnub no.
Peb vam khom rau cov kev them nyiaj digital network txhawm rau txhim kho peb cov haujlwm nyiaj txiag, los ntawm kev yuav khoom hauv online mus rau kev them nqi. LazyPay yog ib lub platform zoo li no uas tso cai rau kev them nyiaj sai thiab yooj yim nrog kev xaiv them tom qab.
Nrog ntau tshaj 6 crore cov neeg siv, LazyPay tau tsim nws tus kheej ua tus mus-rau app rau cov neeg siv khoom nrhiav kev daws teeb meem nyiaj txiag ceev ceev. Hmoov tsis zoo, LazyPay tsis ntev los no tau muaj qee qhov teeb meem kev pabcuam zoo, ua rau tib neeg tshawb nrhiav lwm yam kev xaiv.
I. Vim li cas thiaj nrhiav LazyPay Alternatives?
Thaum LazyPay tau tsim nws tus kheej ua ib qho kev them nyiaj qiv nyiaj zoo tshaj plaws hauv Is Nrias teb, cov ntaub ntawv tsis ntev los no qhia tias app qhov kev pabcuam zoo tau poob qis. Qee qhov kev txwv ntawm LazyPay nyob rau lub sijhawm tsis ntev los no suav nrog:
- Tshem tawm qhov chaw them nyiaj credit card
- Cov neeg siv khoom tsis muaj kev txhawb nqa
- Technical glitches ua rau kev lag luam ua tsis tiav
- Kev sib koom ua lag luam tsawg
Yog li ntawd, ntau tus neeg siv LazyPay tab tom nrhiav lwm txoj hauv kev uas muab kev pabcuam zoo dua thiab kev xaiv them nyiaj ntau dua. Hauv cov ntu hauv qab no, peb yuav tshawb xyuas qee qhov zoo tshaj plaws LazyPay lwm txoj hauv kev uas cov neeg siv tuaj yeem xav txog lawv cov kev xav tau them nuj nqis.
II. Sab saum toj Alternatives rau LazyPay
1. Bullet Them los ntawm Jupiter Edge
Bullet Them los ntawm Jupiter Edge yog UPI them nyiaj thiab them tom qab app uas tau tshwm sim thaum Lub Kaum Ib Hlis 2020. Nws yog ib feem ntawm Jupiter Money app uas muaj npe nrov, uas tau muaj ntau dua 50 lab rub tawm ntawm Google Play Store. Cov neeg siv yuav siv zog rov qab them lawv cov xov tooj, them cov nqi, thiab yuav online nrog Bullet Pay, thiab lawv tuaj yeem them tom qab.
Lub app muab txoj hauv kev sai rau kev yuav thiab them nyiaj hauv ob peb hnub, ua rau nws zoo rau cov tib neeg tab tom nrhiav kev tswj hwm lawv cov nyiaj txiag zoo dua. Koj tuaj yeem siv Bullet Them ntawm ntau lub khw muag khoom online, suav nrog Zomato thiab lwm lub khw hauv online.
Hauv online lossis offline, cov neeg siv tuaj yeem ua txhua yam kev yuav khoom thiab them nrog credit. Nws yog ib qho tseem ceeb kom nco ntsoov tias txhawm rau siv qhov program no, cov neeg siv yuav tsum muaj qhov tsim nyog credit tau, thiab kev lees txais yog nyob ntawm creditworthiness.
- Instant Credit: Tau txais mus txog ₹10,000 credit hauv feeb.
- Bill Cycle: Cov nqi xa tuaj ob zaug hauv ib hlis ntawm 15th thiab hnub kawg ntawm lub hli.
- Lub Sijhawm Ceeb Toom: Tsis txhob hnov qab them nyiaj nrog kev ceeb toom raws sijhawm.
- Tsis muaj paj laum thiab nqi: Txaus siab rau 15-hnub xoom-nyiaj them rov qab voj voog yam tsis tau them nqi.
- Tsawg kawg UI: Yooj yim rau siv nrog ib qho yooj yim thiab ncaj interface.
- Ceev thiab yooj yim rau npe: Sau npe sai sai nrog koj tus lej xov tooj ntawm tes thiab daim npav PAN cov ntsiab lus.
- Scan thiab Them Nyiaj: Yooj yim them ib daim nqi nrog ob peb clicks xwb.
2. ZestMoney
Zest yog lub tuam txhab fintech nce nrawm uas hloov pauv kev ua si ntawm cov neeg siv khoom siv nyiaj txiag hauv Is Nrias teb. Zestmoney tau tsim nyob rau hauv 2015 los ntawm Lizzie Chapman, Priya Sharma, thiab Ashish Anantharaman.
Txij thaum ntawd los, nws tau mob siab rau kev txhim kho lub neej ntawm ntau dua 300 lab Indian tsev neeg uas tsis tuaj yeem tau txais credit vim tsis muaj keeb kwm qiv nyiaj. Nws tso cai rau cov neeg siv los saib xyuas lawv cov credit txwv thiab ua tiav lawv KYC ntawm lub app.
ZestMoney muaj ntau dua 1 crore rub tawm ntawm Play Store. Tsis tas li ntawd, nws muaj nyob rau hauv ntau dua 75,000 lub khw muag khoom lub cev thiab 15,000 kev lag luam online, muab rau cov neeg siv khoom ntau yam. Lub Rooj Sib Tham Ntiaj Teb Kev Lag Luam hu ua ZestMoney 2020 Kev Tshaj Lij Tshaj Lij Tshaj Lij hauv kev lees paub txog lawv cov txheej txheem nyiaj txiag tshwj xeeb.
- Them Tom Qab Hauv Kev Them Nyiaj: Zest muab qhov yooj yim ntawm kev them nyiaj rau koj qhov kev yuav khoom hauv 3 qhov kev them nyiaj tsis muaj paj. Koj tuaj yeem xaiv them nyiaj hauv 6, 9, lossis 12 ntu, txawm hais tias cov kev xaiv no tuaj nrog qee tus nqi.
- Clear Terms and Conditions: Zest muaj cov ntsiab lus thiab cov xwm txheej pob tshab, tsis muaj tus nqi zais lossis koom nrog cov nqi. Txawm li cas los xij, koj yuav tsum nco ntsoov tias tsis muaj EMI yuav nyiam qhov nplua ntawm INR 250.
- Kev lees txais dav: Zest tau txais ntau dua 10,000 lub khw hauv online thiab 75,000 lub khw muag khoom lub cev, ua kom yooj yim rau koj mus kav khw hauv online thiab offline.
- Kev pom zoo ceev ceev: Nrog Zest, tsis tas yuav muaj cov ntaub ntawv lossis daim npav rho nyiaj. Txoj kev pom zoo 3-kauj ruam yog ceev thiab tsis muaj hassle.
- High Credit Limit: Nyob ntawm koj qhov profile credit, Zest muaj qhov txwv tsis pub dhau INR ob lab, muab kev ywj pheej rau koj los ua qhov loj dua.
3. Kissht
Kissht, yav tas los hu ua Fastbanking, yog Is Nrias teb tus thawj coj credit-coj kev daws teeb meem kev daws teeb meem. Nws tau tsim nyob rau xyoo 2015 thiab cog lus tias yuav muab cov neeg siv khoom thoob plaws lub tebchaws nrog kev qiv nyiaj sai thiab yooj yim. Nws tag nrho digitized thiab automated ua kom tiav thev naus laus zis ua rau cov neeg siv khoom tuaj yeem yuav khoom hauv online thiab lub cev.
Kissht muaj lub khw muag khoom loj, nrog 50+ cov neeg koom tes hauv online thiab 3000+ cov khw muag khoom.
Cov neeg siv khoom kuj tuaj yeem yuav nrog kev yooj yim vim tias lub tuam txhab muab EMI ceev thiab yooj yim ntawm qhov muag. Lub platform tau txuas tag nrho rau ib qho app uas tso cai rau cov neeg siv khoom xa cov ntaub ntawv digitally, them nyiaj, thiab saib cov ntaub ntawv qiv.
Kissht tau nrawm nrawm nrawm los pab ntau tus neeg kom tau txais nyiaj qiv nyiaj, nrog ntau dua 10 lab rub tawm app thiab 3.5 lab cov neeg siv khoom txaus siab.
- Ntau yam ntawm cov tub lag luam: Kissht muab nws cov neeg siv khoom muaj kev ywj pheej xaiv thiab kav khw los ntawm ntau tus tub lag luam.
- 100% cov txheej txheem digital: Nws muab cov txheej txheem digital tag nrho rau nws cov neeg siv khoom, los ntawm uploading KYC cov ntsiab lus kom tau txais credit tam sim hauv lawv tus account hauv txhab nyiaj. Cov neeg siv khoom kuj tuaj yeem siv Kissht Credit QR code txhawm rau lees txais cov nyiaj them poob haujlwm lossis ua kev yuav khoom ntawm lub khw.
- Ntau qhov kev xaiv them rov qab: Kissht muaj ntau txoj kev them rov qab rau nws cov neeg siv khoom, ua kom yooj yim rau lawv kom them rov qab lawv cov nyiaj qiv.
- Flexible tenure: Nws muab nws cov neeg siv khoom muaj kev ywj pheej xaiv lawv tus kheej lub sijhawm them rov qab.
- Kissht Digital EMI Card: Cov neeg siv khoom tuaj yeem xaiv rau Kissht Digital EMI Card los ntawm kev them tus nqi ua haujlwm ntawm INR 199 + GST (piv txwv li INR 235). Thaum tsim nyog thiab tom qab tau txais thawj qhov credit, tus nqi ua haujlwm tau rov qab rau tus neeg siv khoom.
4. PostPe
PostPe, muaj los ntawm BharatPe, yog tam sim no them nyiaj tom qab (BNPL) kev pabcuam tsim los ntawm 2018 los ntawm Ashneer Grover thiab Shashvat Nakrani. Nws muab cov credit txwv txog li Rs.10 lakh thiab daim npav rho nyiaj virtual los ua kev yuav khoom, nrog rau kev xaiv them los ntawm PostPe card.
Cov neeg siv khoom tuaj yeem luam theej duab QR code yooj yim thiab them nyiaj siv PostPe credit ntawm cov khw muag khoom. Lawv tagline yog "De Dena Aaram Se," lub ntsiab lus them nyiaj ntawm koj qhov yooj yim.
PostPe tseem muaj cov kev xaiv los hloov cov nyiaj tau zoo rau hauv EMIs nrog rau lub sijhawm koj xaiv. Tsis tas li ntawd, cov neeg siv tuaj yeem tshawb xyuas lawv cov kev siv nyiaj thiab yeej qhov zoo siab cashback thiab khoom plig. Qhov credit txwv pib los ntawm ₹ 1000 thiab qhov txwv siab tshaj yog txiav txim siab raws li tus neeg siv cov keeb kwm them rov qab.
- Cashback ntawm Referral - Koj tuaj yeem khwv tau nyiaj rov qab txog li 5% los ntawm kev xa tus phooj ywg los siv lub app.
- Kev them rov qab yooj yim Tenure - PostPe muaj cov nyiaj them rov qab ntawm peb thiab rau lub hlis. Koj tuaj yeem xaiv txhua txoj haujlwm raws li koj lub peev xwm los tshem nws.
- Kev Them Nyiaj Online thiab Offline - Koj tuaj yeem siv PostPe kom them nyiaj online thiab offline, tsis muaj nqi dab tsi.
- Daim npav tus kheej - Nrog PostPe, koj tau txais daim npav tus kheej thiab daim npav rho nyiaj virtual uas tuaj yeem siv los yuav ntau yam khoom, los ntawm cov khoom siv niaj hnub mus rau cov khoom kim heev.
- Cov ntaub ntawv tsawg kawg nkaus - Kev Yuav Tam Sim No Them Tom Qab feature ntawm PostPe muaj cov ntaub ntawv tsawg kawg nkaus, ua kom yooj yim kom tau txais cov qhab nia hauv ob peb feeb xwb. Cov qauv tsim nyog suav nrog hnub nyoog tshaj 21 xyoos thiab tau txais cov nyiaj hli tsis tu ncua.
- Kev Them Nqi - Thaum pib ntawm txhua lub hlis, ib daim nqi raug tsim tawm. Koj muaj tsib hnub los xa rov qab los yog hloov nws mus rau EMI.
- Tus kheej Dashboard - Nrog rau PostPe app, koj tau txais tus kheej dashboard qhov twg koj tuaj yeem saib koj cov kev hloov pauv tshiab, muaj kev txwv credit, tau txais nyiaj rov qab, thiab lwm yam ntsiab lus.
- Hloov Nyiaj Yooj Yim - Koj tuaj yeem xa nyiaj yooj yim rau koj cov phooj ywg lossis hloov nyiaj rau koj bank account tsuas yog luam theej duab code.
5. Flipkart Them Tom Qab
Flipkart Them Tom Qab yog qhov kev xaiv them nyiaj uas tau qhia los ntawm Flipkart hauv 2017 los ua kom cov txheej txheem checkout yooj yim rau cov neeg siv khoom. Cov neeg siv khoom tuaj yeem siv qhov kev xaiv no los ua kev yuav khoom thiab them rau lawv yam tsis muaj nqi ntxiv ua ntej thib tsib ntawm lub hlis tom ntej. Tsis tas li, cov neeg siv khoom muaj kev xaiv los pab pawg lawv cov nyiaj them ua ke rau ib qho kev lag luam loj.
Flipkart Them Tom Qab muab cov credit txwv txog Rs. 1 lab, thiab cov txheej txheem ua kom ncaj ncaj, tsuas yog xav tau cov ntaub ntawv ntawm PAN thiab Aadhaar, OTP pov thawj, thiab pov thawj hauv txhab nyiaj. Cov neeg siv khoom tuaj yeem xaiv qhov kev xaiv no kom tau txais cov kev xaiv them nqi hloov pauv, uas yuav ua rau muaj kev ntxhov siab los ntawm kev them nyiaj thaum lub sijhawm them nyiaj.
Ntau tus neeg yuav khoom tam sim no pom kev yuav khoom kom xis nyob ua tsaug rau Flipkart Them Tom Qab, qhov kev xaiv them nyiaj zoo hauv lub vev xaib.
- Them Nqi: Nrog Flipkart Them Tom Qab, koj tuaj yeem yooj yim them koj cov nqi hluav taws xob, cov nqi them rov qab, thiab lwm yam nqi los ntawm kev xaiv qhov kev xaiv Them Tom qab thaum lub sijhawm them nyiaj. Koj tuaj yeem them qhov tsawg kawg nkaus lossis tsis muaj nyiaj thiab tom qab ntawd tshem tawm qhov nyiaj tshuav ua ntej 5th ntawm lub hlis tom ntej yam tsis muaj nqi ntxiv.
- Tsis Muaj Tus Nqi Ntxiv: Flipkart Them Tom Qab tso cai rau koj mus yuav khoom tam sim no thiab them tom qab yam tsis muaj nqi ntxiv. Koj tuaj yeem txaus siab rau cov khoom koj yuav thiab tom qab ntawd tshem koj cov nuj nqis ua ntej hnub kawg.
- EMI Options: Flipkart Them Tom Qab muaj EMI cov kev xaiv nrog tus paj laum li ntawm 22-24% ib xyoos twg.
- Kev xaiv them nqi: Koj tuaj yeem siv Flipkart Them Tom Qab nrog txhua txoj kev them nyiaj uas tsis yog Nyiaj Ntsuab ntawm Kev Xa (COD), xws li UPI, credit card, debit card, net banking, thiab hnab nyiaj.
- Muaj nyob rau ntau lub platforms: Flipkart Them Tom Qab muaj nyob rau ntawm Flipkart, Myntra, Shopsy, thiab PhonePe.
- Tus nqi siv: Kev siv tus nqi ntawm Rs. 15 yuav raug them rau cov nyiaj ntau dua Rs. 10,000.
- Credit Txwv: Koj qhov Flipkart Them Tom Qab Qis Qis Qis pib ntawm Rs. 5,000, uas tuaj yeem nce lossis txo raws li koj qhov kev yuav khoom thiab kev them rov qab tus cwj pwm ib ntus.
6. Nyiaj ntsuabE
CashE yog ib lub tuam txhab fintech nrhiav tau nyob rau hauv 2016 los ntawm V. Raman Kumar uas muab credit tam sim rau cov tub ntxhais hluas cov nyiaj hli cov tub txawg. Nrog ib pab neeg ntawm 170 tus neeg thiab ntau dua 7 lab rub tawm app, CashE tau tso nyiaj qiv nyiaj ntau dua 2000Cr. Lub tuam txhab ua haujlwm los ntawm Mumbai thiab Hyderabad, thiab cov nyiaj feem ntau yog muab los ntawm cov tub ua lag luam ntiag tug.
Ib qho tshwj xeeb ntawm CashE yog nws qhov chaw qiv nyiaj tam sim, uas tso cai rau cov neeg siv qiv nyiaj mus txog ₹ 2 lacs. Cov paj laum tsuas yog them rau ntawm cov nyiaj siv thiab tsis nyob ntawm qhov kev pom zoo tag nrho. Qhov no ua rau nws yooj yim thiab yooj yim xaiv rau cov neeg uas xav tau kev nkag mus sai rau cov nyiaj.
Nrog CashE, cov tub ntxhais hluas cov tub txawg tuaj yeem nkag mus rau qhov credit yam tsis tas yuav dhau los ntawm cov txheej txheem kev lag luam ib txwm muaj, ua rau nws yog qhov kev xaiv zoo rau cov neeg uas xav kom zam dhau qhov tsis yooj yim ntawm cov ntaub ntawv ntev thiab tos lub sijhawm.
- Ntau BNPL Cov Nyiaj Txais: Xaiv rau ntau qhov Yuav Tam Sim No Them Tom Qab (BNPL) qiv nyiaj los pab koj cov kev yuav khoom.
- Kab Credit: Qiv thiab them rov qab cov nyiaj raws li kev hloov pauv yam tsis tau thov qiv nyiaj tshiab.
- Daim ntawv thov yooj yim thiab Instant Disbursals: Hassle-dawb daim ntawv thov online thiab kev them nyiaj sai sai.
- Max Kev Tsim Nyog Txais Nyiaj: Qiv txog 500% ntawm koj cov nyiaj hli txhua hli.
- Tus Nqi Ua Haujlwm: Tus nqi ua haujlwm me me ntawm ₹500 lossis 1% ntawm cov nyiaj qiv, qhov twg siab dua.
- Kev Them Nyiaj: Rov qab qiv nyiaj tsawg kawg yog 3 lub hlis thiab txog li 1.5 xyoo.
- Cov paj: 2.5% ib xyoos twg rau kev ua haujlwm ntawm ib xyoos nrog cov nqi nplua ntawm 0.1% ib hnub rau kev them rov qab EMI qeeb.
- Yam tsawg kawg nkaus nyiaj hli tsim nyog: Nkag mus rau cov kws tshaj lij nyiaj hli tau txais yam tsawg kawg ntawm ₹ 15,000 net ib hlis.
- Self-Tsim Credit Limit: Teem koj tus kheej credit txwv raws li koj lub peev xwm rau kev tswj nyiaj txiag zoo dua.
7. Simpl Them Tom Qab
Simpl yog Bangalore-based fintech tuam txhab koom tes tsim los ntawm Nityanand Sharma uas muab tag nrho pawg, mobile-thawj platform rau kev them nyiaj raws li credit. Nws tau nrawm nrawm los ntawm cov neeg siv khoom ua tsaug rau nws cov neeg siv khoom zoo tsim thiab cov kev cai ncaj nraim, thiab tam sim no nws muaj cov neeg siv thoob ntiaj teb ntawm 7 lab tus tib neeg.
Lub tuam txhab lub hom phiaj yog kom yooj yim rau kev them nyiaj rau cov neeg siv khoom thiab cov tub lag luam. Nws aims tshem tawm qhov xav tau mounds ntawm cov ntaub ntawv thiab cov nqi zais.
Simpl cov neeg coob tau kis thoob plaws peb lub tebchaws. Qhov no ua kom ntseeg tau tias nws cov kev pabcuam muaj kev nkag mus thoob ntiaj teb. Raws li kev pib ua lag luam fintech, Simpl yeej ib txwm tsim thiab txhim kho nws lub platform los muab cov kev paub zoo tshaj plaws rau cov neeg siv khoom, ua rau nws ua lag luam txaus nyiam ua raws li hauv ntiaj teb nyiaj txiag thiab thev naus laus zis.
- Ib-kais checkout: Simpl nqa qhov yooj yim ntawm khata online, tso cai rau koj mus xyuas nrog tsuas yog ib tus kais thiab them nyiaj tom qab.
- Txuas nrog 26,000+ khw muag khoom online: Simpl txuas nrog ntau dua 26,000 lub khw hauv online, ua kom yooj yim siv lub app los ua kev yuav khoom thoob plaws ntau tus tub lag luam.
- Clear Simpl tshuav nyiaj li cas txhua 15 hnub: Nrog Simpl, koj tuaj yeem yooj yim tshem koj cov nyiaj tshuav txhua txhua 15 hnub los ntawm lub app, yog li koj tsis tas yuav txhawj xeeb txog qhov tsis them nyiaj.
- Kev siv nyiaj tsis yooj yim: Simpl ua kom yooj yim rau kev taug qab koj cov nuj nqis txhua hli thiab pob nyiaj siv tau zoo, yog li koj tuaj yeem nyob saum koj cov nyiaj txiag.
- Them cov nqi hluav taws xob thiab them nyiaj rov qab: Koj tuaj yeem them koj cov nqi hluav taws xob (xws li dej, roj, thiab cov nqi hauv av) thiab rov them koj cov nyiaj nrog ib tus kais, tag nrho hauv Simpl app.
- Tsis xav tau qhab nia credit: Simpl siv nws tus kheej cov qauv kev kawm kom nkag siab cov neeg siv khoom thiab teeb tsa kev siv nyiaj, yog li tsis tas yuav muaj qhab nia credit.
- Hloov tshiab tsis tu ncua kev siv nyiaj txwv: Koj qhov kev txwv kev siv nyiaj yog pib los ntawm lub neej ntawd, tab sis tsis tu ncua hloov kho raws li cov yam ntxwv xws li koj tus cwj pwm kev siv nyiaj thiab lub zog ntawm koj qhov profile.
- Pob tshab cov nqi thiab cov cai: Simpl tsis muaj tus nqi zais lossis cov ntaub ntawv, thiab txhua yam ntawm cov nqi mus rau cov nyiaj rov qab yog pob tshab.
- Kev tiv thaiv tus neeg yuav khoom: Simpl muab kev tiv thaiv tus neeg yuav khoom los pab koj lub khw nrog kev ntseeg siab.
8. Paytm Postpaid
Paytm Postpaid yog qhov nrov Yuav Tam Sim No, Them Tom Qab Chaw Tsim Nyog tau pib hauv 2019. Nws tau pib los ntawm Paytm's NBFC cov koom tes, Aditya Birla Finance Limited thiab Fullerton India Credit Company Limited. Thaum pib, nws muaj peb qhov kev pabcuam, tab sis tam sim no tsuas yog ob - Lite thiab Delite.
Cov kab qiv nyiaj tuaj yeem siv los ua kev yuav khoom online / offline ntawm 1 crore + cov vev xaib thiab cov tub lag luam. Cov txheej txheem onboarding ntawm Paytm app siv sijhawm li 2 feeb xwb.
Yuav kom tsim nyog, cov neeg siv yuav tsum muaj tsawg kawg yog 20 xyoo thiab muaj tus lej PAN siv tau. Qhov kev siv tau ntawm qhov kev pabcuam yog pib rau 2 xyoos, tab sis nws yuav rov ua dua tshiab. Paytm Postpaid yog txoj hauv kev yooj yim los them rau kev yuav khoom yam tsis tas yuav them nyiaj tam sim, thiab nws tuaj yeem pab cov neeg siv tswj hwm lawv cov nyiaj txiag tau zoo dua.
- Instant Credit: Cov neeg siv tuaj yeem tau txais qhov credit tam sim txog li Rs. 60,000 mus txog 30 hnub tsis muaj paj laum. Qhov no tso cai rau kev hloov pauv ntau dua hauv kev tswj nyiaj txiag.
- Kev xaiv them rov qab: Cov neeg siv tuaj yeem them rov qab lawv cov nyiaj Postpaid txhua lub sijhawm los ntawm kev mus saib Paytm Postpaid seem ntawm lub app. Koj tuaj yeem siv UPI, Debit Card, lossis Net Banking rau kev them rov qab. Qhov no txhais tau hais tias cov neeg siv tuaj yeem tswj hwm lawv cov nuj nqis thiab kev them rov qab yooj yim hauv qhov tsis muaj teeb meem.
- Tus Nqi Yooj Yim: Paytm Postpaid them tus nqi yooj yim nominal ntawm 0% - 3%, yog tias muaj. Tus nqi no tsuas yog them rau qee yam xws li them nqi xauj tsev thiab tshwm sim thaum lub sijhawm ua lag luam. Txawm li cas los xij, tsis muaj nqi them rau kev siv qhov chaw qiv nyiaj rau lwm yam kev lag luam.
- Tus nqi lig: Cov neeg siv yuav tsum xyuas kom them rov qab raws sijhawm kom tsis txhob muaj nqi lig. Nyob ntawm tus nqi them, tus nqi lig tuaj yeem nyob ntawm 0 txog Rs. 750 plus GST.
- Kev Them Nyiaj Ua Ntej: Cov neeg siv kuj tuaj yeem them lawv qhov nyiaj tshuav ua ntej txhua lub sijhawm hauv lub hlis, uas ua rau lawv tswj hwm lawv cov nyiaj txiag ntau dua.
- EMIs: Paytm Postpaid muaj kev xaiv los hloov cov nuj nqis rau hauv EMIs uas raug nqi paj ntawm 2% + GST ib hlis. Qhov no tshwj xeeb tshaj yog muaj txiaj ntsig zoo rau cov neeg uas tau qhab nia CIBIL qis, vim nws tsis yog qhov yuav tsum tau ua ua ntej siv Paytm Postpaid.
9. Epay tom qab
Hauv xyoo 2015, Aurko Bhattacharya, Akshat Saxena, thiab Uday Somayajula tsim EpayLater raws li kev daws teeb meem kev them nyiaj ncua. Nws muaj kev ncaj ncees, meej, thiab kev them nyiaj zoo ib yam rau txhua hom kev yuav khoom. Cov neeg siv khoom tuaj yeem txaus siab rau 7 lossis 14-hnub lub sijhawm qiv nyiaj tsis muaj paj laum, ua rau nws yog ib qho kev xaiv zoo rau cov tuam txhab me tab tom nrhiav rau txoj kab ceev ntawm credit los ntsaws cov peev nyiaj ua haujlwm.
Txhawm rau tiv thaiv kev ceev ntiag tug ntawm nws cov neeg siv cov ntaub ntawv, Epay Tom qab txhawb nqa tus txheej txheem siab tshaj plaws ntawm kev nyab xeeb. Txhua tus tuaj yeem siv nws los ua qhov kev xaiv them nyiaj yooj yim vim tias nws nkag mus tau los ntawm txhua txoj hauv kev, ob lub cev thiab digital. Epay Tom Qab muab kev ncaj ncees, qhib, thiab tsis muaj nqi qiv nyiaj, uas yog ib qho ntawm nws cov yam ntxwv tseem ceeb.
Koj tsuas yog yuav tsum koom nrog thiab ua kev lag luam ntawm ib qho chaw ua lag luam sib koom ua lag luam kom ua tiav cov txheej txheem thov qiv nyiaj.
- Credit txog li 14 hnub: ePayLater muab cov kev daws teeb meem ncua sij hawm nrog lub sijhawm qiv nyiaj tsis muaj paj txog li 14 hnub. Nws tso cai rau cov neeg siv los ua kev yuav khoom yam tsis tas yuav them nyiaj ua ntej.
- Yooj yim rau npe txheej txheem: Sau npe rau ePayLater yog qhov nrawm thiab yooj yim. Thaum koj tau sau npe lawm, koj tuaj yeem hloov pauv ntawm ib tus khub lag luam portal yam tsis tas yuav nkag mus rau lub vev xaib.
- Kev sib koom ua lag luam ncaj qha: ePayLater muaj kev koom ua ke ncaj qha nrog cov tub lag luam. Qhov no pab ua kom yooj yim rau kev xa tawm sai dua yam tsis tas yuav khaws cov ntawv sau nyiaj rov qab / tshem tawm.
- Flexible credit limit: Qhov credit txwv pib ntawm Rs. 25,000 thiab tuaj yeem nce mus txog Rs. 25 lakhs, muab cov neeg siv nrog kev yooj yim los tswj lawv nyiaj ntsuab raws li lawv xav tau kev lag luam.
- Tsis muaj nqi ua haujlwm: Tsis muaj nqi them rau kev thov rau ePayLater.
- Cov nqi them lig: Nyob rau hauv rooj plaub uas qhov nyiaj tshuav tau pom tias tsis txaus thaum qhov kev txiav txim siab tau sim, muaj tus nqi them lig / bounce ntawm Rs. 500. GST muaj feem xyuam rau cov nqi them lig.
- Automatic debiting ntawm cov nuj nqis: ePayLater cov nuj nqis tau txiav tawm los ntawm koj tus as-qhauj hauv txhab nyiaj khaws cia. Yog li, koj yuav tsum tswj hwm qhov nyiaj tshuav txaus rau hnub kawg hauv cov nyiaj khaws cia txuas. Tsis tas li ntawd, koj tuaj yeem them koj cov nuj nqis siv NEFT lossis UPI hom kev them nyiaj los ntawm koj tus as-qhauj nyiaj khaws tseg thaum muaj cov nuj nqis tseem ceeb.
III. Xaus
Tom qab tshawb xyuas qee qhov kev xaiv saum toj kawg nkaus rau LazyPay, nws pom tseeb tias muaj ob peb "yuav tam sim no, them nyiaj tom qab" kev xaiv muaj rau cov neeg siv khoom hauv Is Nrias teb. Thaum txhua lub app muaj nws tus kheej cov txiaj ntsig thiab qhov tsis zoo, Simpl tawm los ua qhov kev xaiv sab saum toj rau cov uas tab tom nrhiav rau qhov kev paub tsis muaj teeb meem.
Ib qho ntawm cov yam ntxwv tseem ceeb ntawm Simpl yog nws cov nyiaj rov qab thiab nqi zog. Nws teev nws sib nrug ntawm lwm cov apps hauv qhov chaw no. Tsis tas li ntawd, lub app cia li nce qhov credit txwv ntawm cov neeg siv tsim nyog uas ua rau nws muaj kev xaiv zoo rau cov neeg xav tau nyiaj txiag hloov pauv.
Lwm qhov zoo dua ntawm Simpl yog nws cov paj laum xoom thiab xoom-ua cov nqi txoj cai. Qhov no txhais tau tias cov neeg siv tuaj yeem ua lawv cov kev yuav khoom yam tsis muaj kev txhawj xeeb txog cov nqi zais.
Thaum Simpl lub voj voog them nyiaj ntawm 15 hnub tuaj yeem yog qhov tsis zoo rau qee qhov, nws nyuaj rau nrhiav lwm qhov tsis zoo hauv cov neeg siv khoom siv thiab pheej yig. Txhua yam, Simpl yog qhov kev xaiv zoo rau txhua tus neeg tab tom nrhiav qhov yooj yim thiab pob tshab "yuav tam sim no, them nyiaj tom qab" kev xaiv hauv Is Nrias teb.
Sau ntawv cia Ncua