Koj paub txog kev nqis peev hauv vaj tse, kev sib koom ua ke, thiab cov khw lag luam. Tab sis kev sib txawv portfolio txoj kev xav qhia peb tias 95% ntawm cov ntaub ntawv rov qab los ntawm kev sib txawv ntawm lwm cov khoom vaj khoom tsev.
Cov nyiaj tau los ruaj khov lossis cov ntawv cog lus, vaj tsev nyob thiab kev lag luam, kev xauj khoom vaj khoom tsev, cov khoom lag luam, kev nqis peev peev, lossis cov tub txib saum ntuj nqis peev hauv tuam txhab muab lwm yam khoom muaj nqis uas faib koj cov ntaub ntawv ntau dua li cov khoom muaj nqis xws li cov khoom muaj nqis thiab kub.
Cov kev nqis peev yav dhau los tau muab rau cov neeg muaj txiaj ntsig siab uas muaj daim pib loj loj ntawm kev nqis peev.
Wint Wealth thiab Grip Invest yog lwm txoj kev nqis peev uas koj tuaj yeem nqis peev thiab faib koj cov peev txheej ntawm cov khoom tsis muaj feem cuam tshuam.
Nyob rau hauv lub sij hawm ntawm volatility, kev nqis peev rau lwm txoj kev nqis peev yog ib txoj hauv kev zoo los faib kev pheej hmoo.
Qhov kev lag luam tseem ceeb ntawm Wint thiab Grip yog dab tsi?
Wint tau tsim txoj hauv kev tseem ceeb los pab txhawb kev sib sib zog nqus ntawm kev lag luam nyiaj hauv Is Nrias teb los ntawm kev koom tes hauv khw muag khoom.
Hauv Is Nrias teb, kev lag luam kev lag luam yog txwv rau kev nqis peev los ntawm cov tuam txhab lag luam thiab cov nyiaj sib koom ua lag luam. Wint saib ntawm private sector bonds los yog cov tuam txhab credit zoo, uas muab cov txiaj ntsig siab.
Thaum koj nqis peev los ntawm cov nyiaj qiv nyiaj, cov txiaj ntsig ntawm cov nyiaj sib koom ua ke raug txo los ntawm Tus Thawj Saib Xyuas Nyiaj Txiag cov nqi tswj hwm thiab lwm yam nqi ua haujlwm.
Raws li daim ntawv cog lus cov nyiaj rov qab los kuj tau them se, koj tsis tau txais tus nqi siab ntawm cov nyiaj rov qab. Yav dhau los, qhov tsawg kawg nkaus peev yog txwv tsis pub loj thaum yuav daim ntawv cog lus, pegged ntawm Rs. 10 Lakhs rau ib daim ntawv cog lus. Qhov no txhais tau tias koj tsis tuaj yeem tsim koj daim ntawv cog lus los ntawm ncaj qha peev.
Wint ua rau nws muaj peev xwm rau koj los nqis peev ncaj qha rau hauv daim ntawv cog lus los ntawm securitising bonds rau hauv me me yam tsawg kawg nkaus tsim nyog rau cov khw muag khoom lag luam. Wint tso cai rau koj los nqis peev ncaj qha rau hauv NBFC-tso daim ntawv cog lus, uas nqa cov txiaj ntsig siab nrog kev nqis peev tsawg kawg nkaus ntawm Rs 10,000.
Sib nrug los ntawm tus nqi siab me ntsis them ntawm kev yuav daim ntawv cog lus, tsuas yog se yuav txo koj cov txiaj ntsig tag nrho. Qhov no muaj kev sib kis loj piv rau cov nyiaj tso nyiaj hauv tuam txhab, ntxiv rau nws muaj qhov zoo ntawm kev them nyiaj tas li.
tuavHauv qhov sib piv, muaj cov cuab yeej cuab tam ruaj ntseg xws li kev xauj khoom vaj khoom tsev, cov khoom muag, qub txeeg qub tes thiab venture peev thiab start-up muas. Ntxiv dua thiab, cov cuab tam no tau muab rau ntawm qhov muag khoom tsawg kawg nkaus, ua rau kev nqis peev yooj yim.
Ob leeg yog online fintech platforms muab lwm txoj kev nqis peev uas ruaj ntseg rau hauv cov khw muag khoom tsawg kawg nkaus uas cov tub lag luam me me tuaj yeem koom nrog.
Lub ntiaj teb ntawm kev nqis peev uas muab los ntawm lawv yog kev tawm mus los ntawm kev nqis peev ib txwm, uas paub rau koj thiab muaj kev sib txawv zoo rau koj cov peev txheej thiab cov nyiaj tau los.
Lawv cov kev nqis peev muab cov nyiaj tau los tsis tu ncua, tshwj tsis yog rau kev ncaj ncees ntiag tug, qhov twg qhov rov qab los tsuas yog pom tau thaum IPO thiab sau npe ntawm cov khoom lag luam.
Qhov Sib txawv tseem ceeb ntawm Wint thiab Grip
S.No | Cov khoom xyaw | Wint | tuav |
1 | Hom kev nqis peev | Senior, Secured Bonds ntawm NBFCs | Securitized asset leases, inventory and commercial real estate yog tag nrho cov cuab tam-rov qab, thiab venture peev/start-up equity |
2 | Yam tsawg kawg nkaus Kev nqes peev | Rs 10,000 | Nws txawv ntawm Rs. 10,000 rau kev xauj khoom vaj khoom tsev thiab cov khoom muag nce mus txog Rs. 1,00,000 rau kev lag luam vaj tse thiab venture peev |
3. | Kev ruaj ntseg/Collateral | Cov ntawv cog lus yog cov ntawv cog lus laus uas txhais tau hais tias lawv tau txais kev txhawb nqa los ntawm cov khoom ntiag tug thiab qeb thib ib hauv cov paj laum thiab cov nyiaj them rov qab yog tias lub tuam txhab raug mob. | Cov khoom lag luam xauj tsev, cov khoom muag, thiab kev lag luam yog cov khoom muaj nqis rov qab, uas txhais tau tias lawv them tawm ntawm cov nyiaj ntsuab ntws ntawm cov cuab tam. Kev lag luam peev lossis pib peev yog qhov txaus ntshai thiab raug rau qhov ua tiav ntawm kev lag luam |
4 | Tenor ntawm kev nqis peev | Feem ntau mus txog ob xyoos. | Kev sib txawv tenors muaj, cov khoom lag luam kev nqis peev ntawm 1 txog 6 lub hlis thiab cov khoom vaj khoom tsev rov qab los ntawm 24 txog 36 lub hlis. Kev nqis peev hauv vaj tsev muaj lub sijhawm ntev dua, thiab kev lag luam peev thiab cov peev txheej pib ua haujlwm ntev mus txog qhov tawm ntawm kev nqis peev. |
5 | Kev them nyiaj rov qab | Kev them nyiaj paj laum tuaj yeem yog ib nrab xyoo lossis peb lub hlis twg. | Nws yog cov nyiaj them txhua hli nyob rau hauv cov ntaub ntawv ntawm cov khoom vaj khoom tsev rov qab los yog cov khoom muag, lub lag luam vaj tse them nyiaj tawm ib lub hlis twg, thiab nyob rau hauv cov ntaub ntawv ntawm venture peev, qhov rov qab los yog paub raws li ntau yam kev ruaj ntseg tau txais raws li kev teev npe. |
6 | Tawm | Cov txiaj ntsig tuaj yeem nyob ib puag ncig 11% pa ua ntej se | Cov khoom vaj khoom tsev rov qab muab cov nyiaj tau los txog li 21% pa ua ntej se, cov khoom muag muaj 12% ua ntej se tawm, cov vaj tsev lag luam muaj 11% ua se ua ntej, thiab cov peev txheej tuaj yeem ua tau ntau zaus raws li cov npe ua tiav. |
7 | Kev pheej hmoo hauv qab | Corporate credit ntawm NBFCs | Cov ntawv xauj tsev thiab cov khoom muag yog cov tuam txhab qiv nyiaj, cov credit ua lag luam yog MNC cov neeg xauj tsev, thiab cov peev txheej lag luam yog cov peev thiab cov koom tes ua lag luam (cov khoom pheej hmoo siab). |
Koj tuaj yeem nyeem peb qhov kev tshuaj xyuas tag nrho ntawm Grip Invest ntawm no. Thiab, koj tuaj yeem nyeem peb cov ntawv tag nrho Wint Wealth tshuaj xyuas, ntawm no.
Zoo sib xws ntawm Wint thiab Grip
Ob leeg yog online tech platforms ua kom yooj yim peev. Ob leeg muab lub ntug ntawm lwm txoj kev nqis peev. Ob qho tib si muab cov cuab yeej cuab tam-txhawb kev nqis peev rau cov neeg lag luam muag khoom. Ob leeg pab hauv koj portfolio diversification los ntawm kev muab cov khoom muaj nqis tsis sib xws. Lawv cov peev txheej yog cov khoom muaj txiaj ntsig siab.
Cov kev nqis peev uas tau muab los ntawm ob qho tib si yuav raug them rau qhov kev pheej hmoo ntawm credit nyob rau hauv cov ntaub ntawv ntawm daim ntawv cog lus, cov khoom vaj khoom tsev rov qab qiv, cov khoom muag, thiab kev lag luam vaj tsev.
Kuj tseem muaj kev pheej hmoo txaus ntshai thiab pheej hmoo ntawm kev dag ntxias. Lawv cov kev nqis peev muaj kev tiv thaiv vim tias lawv tau collateralised. Kev lag luam peev yog raug rau kev pheej hmoo ntawm kev lag luam los ntawm kev lag luam Tshuag lossis tsis tau txais cov npe tau txais txiaj ntsig thaum sau npe ntawm kev sib pauv.
Tsis tas li ntawd, kev pib ua lag luam yog cov tuam txhab thaum ntxov uas nws cov qauv kev lag luam tuaj yeem ua tsis tiav, ua rau poob ntawm koj cov peev.
Qhov tseem ceeb Takeaways:
Ua ib tus neeg lag luam muag khoom lag luam, koj muaj lub sijhawm tsis tau pom dua los nqis peev hauv lwm txoj kev nqis peev. Los ntawm lawv cov kev muab online, Wint thiab tuav tau muab lub sijhawm zoo tshaj plaws los ua kom muaj ntau haiv neeg portfolio tuav.
Tsis tas li ntawd, cov chav kawm khoom vaj khoom tsev no tsis txuas nrog kev lag luam kev ncaj ncees thiab muab tus nqi xa rov qab siab. Tom qab Covid-19 kis thoob qhov txhia chaw, cov tuam txhab cov cuab tam muaj nyob ntawm cov nqi pheej yig dua, ua rau koj rov qab zoo tshaj plaws.
Koj tau txais txiaj ntsig zoo ntawm cov nyiaj tau los tsis tu ncua los ntawm kev nqis peev hauv cov cuab tam no. Nyob rau hauv cov ntaub ntawv ntawm venture peev, koj muaj peev xwm mus koom nyob rau hauv qis nqi ntau, ntau ua ntej kev ua lag luam npe.
Sau ntawv cia Ncua