Golide ndi imodzi mwazinthu zodziwika bwino ku India, ndipo anthu m'dziko lonselo amaziwona ngati chitsulo chamtengo wapatali chomwe chimagwiritsidwa ntchito osati chifukwa cha kukwera mtengo kwake komanso ngati chizindikiro chabwino.
Ndi chilichonse chomwe chikuyenda pa digito, golide walowanso mumsika wa e-msika, komwe mungagule ndikugulitsa golide pamapulatifomu a digito popanda kukhala nawo.
Izi zimakuthandizani kuti mupindule ndikukwera kwamitengo ya golide ndikutsegula mwayi waukulu wamalonda kwa amalonda omwe ali ndi chitetezo chokwanira komanso kuwonekera.
Pamene nthawi zikusintha ndipo aliyense akusunthira ku ndalama zapaintaneti, palibe kukayika kuti anthu tsopano akukhala ndi chidwi chogula golide wa digito.
Koma mumagula kuti?
Kodi mungakhulupirire ma broker awa pa intaneti ndi ndalama zanu zazikulu?
Kodi golide wa digito ndi weniweni?
Osadandaula.
Mu positi iyi, tichotsa kukayikira kwanu konse kokhudza golide wa digito komanso kuyang'ana mapulogalamu 7 abwino kwambiri oti mugule ku India.
Choncho, tiyeni tiyambe popanda kuwononganso nthawi.
Kodi Digital Gold ndi chiyani?
Musanadziwe nsanja komwe mungapeze golide wa digito, ndikofunikira kuti mumvetsetse zomwe zili. Chifukwa chake, m'mawu osavuta, golide wa digito amatanthauza chuma cha digito chomwe chimapangidwa kuti chitsanzire mawonekedwe a golide weniweni, monga kusowa, fungibility, kugawikana, ndi kulimba koma kupezeka mu mawonekedwe a digito.
Nthawi zambiri, golide wa digito ndi mtundu wa cryptocurrency womwe umathandizidwa ndi nkhokwe za golide weniweni kapena amagwiritsa ntchito ukadaulo wa blockchain kuti asunge umwini wawo wowonekera komanso wokhazikika.
Tsopano, funso lofunika lotsatira ndilakuti, mumagula kuti izi ndendende?
Pansipa pali mapulogalamu apamwamba ogula Golide wa digito ku India.
1. Paytm
Paytm ndi amodzi mwamakampani otsogola a chikwama cham'manja ku India, omwe ali ndi ogwiritsa ntchito oposa 300 miliyoni padziko lonse lapansi. M'malo mwake, ndi amodzi mwamapulatifomu otsogola kwambiri azachuma ku India pogula, kugulitsa, ndikusunga golide wa digito.
Amapereka nsanja yotetezeka komwe makasitomala amatha kugula ndalama zagolide zenizeni kapena zenizeni pogwiritsa ntchito kirediti kadi / kirediti kadi kapena maakaunti aku banki popanda kudera nkhawa zachitetezo monga chinyengo kapena kubera.
Pulogalamuyi imaperekanso mwayi wopeza mitengo yaposachedwa kuti osunga ndalama azingoyang'anira ndalama zawo akamapita komanso kukhazikitsa zidziwitso zodziwikiratu pamene malire ena akwaniritsidwa kapena kupyola ndi kusuntha kwamitengo kumbali zonse (kumtunda / kutsika).
Zochitika Pamwamba
- Pezani golide weniweni pakhomo panu
- Dongosolo la kusonkhanitsa golide
- 995 Ungwiro wa golidi
- Palibe malipiro osungira
- 24 × 7 chithandizo chamakasitomala ndi chithandizo
2. phonepe
PhonePe ndi imodzi mwamapulogalamu abwino kwambiri pankhani yolipira pa intaneti. Komabe, ndi nsanja yabwino ngati mukufuna kugula golide wa digito kuchokera ku smartphone yanu.
Mutha kugula golide weniweni wa 24K mosavuta pakangopita mphindi zochepa. Pamwamba pake, mutha kusinthanso golide wanu wosonkhanitsa kukhala ndalama ndi mipiringidzo kudzera pa pulogalamu yomwe.
PhonePe ilinso ndi malo operekera zokhoma zaulere zakubanki kuti musunge golide wanu. Izi zikutanthauza kuti mutha kumasuka kwathunthu ndi ndalama zanu.
Ponseponse, PhonePe ndi yozungulira yonse yomwe imatha kukwaniritsa zosowa zanu zikafika pakuyika golide wa digito.
Zochitika Pamwamba
- Instant money deposit mutagulitsa golide wanu
- Njira zosungitsa ndalama zotetezeka komanso zodalirika
- Ndi golide wosachepera 0.5gms, mutha kuyisintha kukhala ndalama
- Ndalama zochepa zobweretsera
- Mawonekedwe ogwiritsa ntchito
3. 5 Pasa
5Paisa ndi imodzi mwamapulatifomu otsogola pankhani yoyika ndalama mu golide wa digito. Imapatsa ogwiritsa ntchito njira yosavuta yogulira golide weniweni wa 24-carat pa intaneti popanda ndalama zotumizira kapena zolipiritsa zobisika.
Pulatifomu imalonjezanso kupereka golide wotsimikizika komanso wotsimikizika wokhala ndi chiyero cha 99.99%. Izi zikutanthauza kuti mutha kudalira 5paisa ngati mukufuna kupitirizabe ndalama zanu zagolide kwa nthawi yayitali.
5Paisa ikufunanso kupatsa chitsimikizo chachitetezo cha 100% kwa omwe amagulitsa ndalama zake motero ili ndi zipinda zotetezedwa kwambiri zosungira golide wanu.
Kuonjezera apo, amapereka malipiro otetezeka kudzera ku banki kapena kirediti kadi / kirediti kadi pamodzi ndi chinthu chophatikizika cha chikwama chomwe chimalola makasitomala kusunga ndalama motetezeka mkati mwa pulogalamuyo popanda kufunikira kwa zipata zolipirira zakunja monga PayPal kapena Stripe.
Zochitika Pamwamba
- Kukhudza Kumodzi Lowani ndi Fingerprint/FaceID
- Mndandanda Wowonera Mwamakonda & Ticker
- Thandizo la Zinenero Zambiri mu Zinenero 8 zaku India
- Gulani golide pamtengo wotsikirapo ngati Rs.50
- Kugulitsa kwaulere komanso kusungitsa ndalama pompopompo mu akaunti yanu yakubanki
- Kutsegula akaunti pompopompo komanso ntchito yopanda mapepala.
4. Google Pay
Google Pay yalowa m'malo agolide wa digito pokhazikitsa gawo lake la 'Gold Savings Plan' komwe ogwiritsa ntchito amatha kuyikamo ndalama zenizeni zothandizidwa ndi Golide weniweni wosungidwa motetezedwa kumabanki ku India (HDFC Bank & ICICI Bank).
Ndi Google Pay Gold Savings Plan Feature, makasitomala amatha kuchita zambiri kuposa kungogula ndalama. Atha kuwagulitsanso nthawi iliyonse ndikulandila msika wamakono kuphatikiza 10% mtengo wa bonasi nthawi iliyonse akatero. Izi zikutanthauza kuti ngati makasitomala agula makobidi kudzera mu dongosololi, ali ndi mwayi wowagulitsa pambuyo pake ndikulandila zochulukirapo kuposa zomwe adalipira poyambirira.
Kuphatikiza apo, zochitika zonse zimatetezedwa pogwiritsa ntchito ma PIN PIN a UPI, kuwonetsetsa kuti data ya ogwiritsa ntchito imakhalabe yotetezeka mukamagwiritsa ntchito Google pay App.
Zochitika Pamwamba
- Palibe zolipiritsa
- Kusamutsa ndalama mwachangu mukagulitsa
- Zero kupanga ndalama
- Kukwera mosavutikira ndikulembetsa
- Gulani golide wotsika mpaka Rs.1 kudzera pa Google Pay
5. MyJar
Pofuna kubweretsa kusintha kwa malo opangira ndalama ku India, MyJar ikuyesera kupanga ndalama kukhala chizolowezi, ndipo chinthu chokhacho chomwe amagulitsa ndalama za ogwiritsa ntchito ndi golide wa digito.
M'mawu osavuta, Jar amachotsa ndalama zomwe mumawononga ndikuwonjezera ndalama ku pulogalamuyi. Tsopano, ogwiritsa ntchito akufunsidwa kusewera masewera omwe ali ndi mwayi wopeza ndalama zowonjezera kapena kuwirikiza ndalama zawo.
Zitatha izi, pulogalamuyi imayika ndalama zomwe ogwiritsa ntchito amasunga mu golide wa digito ndikupereka zosintha zenizeni za zomwe abwerera. Ponseponse, pulogalamuyi ikukonzekera kulimbikitsa achinyamata mdziko muno kuti asunge zambiri ndikuyika ndalama zawo pazinthu zomwe zingawapatse zotsatira zabwino.
Zochitika Pamwamba
- Ogwiritsa ntchito oposa 10 miliyoni
- 24 karat 99.95% golide weniweni
- Zovala zapamwamba zapadziko lonse lapansi
- Pezani golide wanu pakhomo panu ngati ndalama zachitsulo kapena zodzikongoletsera
- 100% nsanja zotetezeka komanso zotetezeka
6. Kukula
Groww ndi imodzi mwamapulogalamu otsogola ku India omwe amalola ogwiritsa ntchito kugula ndikugulitsa golide wa digito. Pulogalamuyi imapereka njira yopanda msoko komanso yopanda zovuta yogulira golide popanda kufunikira kosungirako kapena mayendedwe.
Ndi Groww, ogwiritsa ntchito amatha kugula golide m'magulu ang'onoang'ono kuyambira otsika mpaka Rs. 10. Pulogalamuyi imaperekanso njira zingapo zolipirira, kuphatikiza UPI, mabanki, ndi kirediti kadi/ma kirediti kadi. Kuphatikiza apo, Groww amawonetsetsa kuti golide wogulidwa ndi ogwiritsa ntchito ndi inshuwaransi 100% ndikusungidwa m'malo otetezedwa.
Pulogalamuyi imapereka zosintha zenizeni pamitengo ya golide ndipo imalola ogwiritsa ntchito kugulitsa golide wawo ndikuchotsa ndalamazo mwachindunji kumaakaunti awo aku banki. Ponseponse, Kukula ndi nsanja yodalirika komanso yabwino yopangira golide wa digito.
Zochitika Pamwamba
- Zero ndalama zotsegulira akaunti
- Maonekedwe osavuta owgwiritsa ntchito
- Gulani golide m'magulu ang'onoang'ono momwe mungathere
- Palibe mapepala enieni
- Kugula ndi kugulitsa golide wa digito mosavutikira
7. Zamgululi
Mmodzi mwa osewera kwambiri zodzikongoletsera pamsika waku India, Tanishq imaperekanso golide wa digito kwa makasitomala ake.
Mutha kugula golide woyenga wa 24-karat kudzera papulatifomu yawo yowoneka bwino, ndi zinthu zomwe zimayendetsedwa ndi SafeGold.
Ikani ndalama zotsika ngati Rs. 100 kapena zochuluka momwe mukufunira!
Golide wa digito wa Tanishq amathanso kusinthidwa m'masitolo opitilira 350+ ku India, komwe mungagule ngati mawonekedwe ake.
Mukagula Golide wa digito ndi Tanishq, simuyenera kulipira chindapusa chilichonse chifukwa golideyo amasungidwa bwino popanda ndalama zobisika. Pulatifomu imakulolani kuti mugule kapena kugulitsa golide nthawi iliyonse ndikungodina pang'ono!
Thandizo lawo lolimba lamakasitomala limakutsimikizirani kuti simukumana ndi zovuta zilizonse mukamagulitsa golide wa digito kudzera papulatifomu yawo.
Ndipo ndiko kukulunga!
Ponseponse, mapulogalamu onse omwe atchulidwa pamwambapa ndi abwino ngati mukufuna kugula golide wa digito mdziko muno.
Komabe, pali ena okwera ndi otsika mu iliyonse mwa mapulogalamuwa, ndipo zili ndi inu kusankha yomwe ikugwirizana ndi zosowa zanu.
Malamulo a RBI kuti agwiritse ntchito golide wa digito
Popeza msika wa golidi sugwera pansi pa gawo linalake lazachuma, umakhalabe mudera la imvi, kukhala ndi dongosolo lodzilamulira lodziwongolera lomwe lili ndi njira yake yolimbikira.
Pofika pano, golide amaperekedwa ndikusungidwa ndi makampani akuluakulu atatu, Augmont Goldtech, MMTC, PAMP India, ndi Digital Gold India.
Kuphatikiza apo, boma limaperekanso Wolamulira Gold Gold kwa nzika zake, zomwe ndi chitetezo cha boma chomwe chili ndi magalamu agolide.
Amakhala ngati choloweza m'malo mwangwiro chogwira golidi mwakuthupi, ndipo malonda amachitika malinga ndi mtengo wokhazikitsidwa pa gramu ndi boma lalikulu.
Udindo wa SEBI pamsika wagolide wa digito
Posachedwapa, SEBI yakonza njira yomwe nsanja yagolide ya digito/kusinthanitsa idzakhazikitsidwe kuti zitsimikizire kugulitsa golide mosasamala mumtundu wake wamagetsi. Mpaka pano, msika wa e-gold sunayendetsedwe ndi SEBI, ndipo yalamula ma broker omwe adalembetsa kale kuti aletse malonda a e-golide mpaka nthawiyo.
Lamuloli lachitika pofuna kulimbikitsa njira yodziwira mitengo ya malo pamsika.
Tsogolo lolowera kusinthanitsa kwatsopano malo agolide
Ndi kuchuluka kwa golide kwa osunga ndalama, SEBI yavomereza malangizo ake kuti abweretse malo odzipereka kwathunthu kusinthanitsa golide.
Izi zidzapereka ndalama, kutulukira mitengo, ndi chitsimikizo cha chitetezo pamodzi ndi njira yowonetsera malonda. Izi zipangitsa kuti pakhale dongosolo lamtengo wadziko lonse lachitsulo chachikasu chomwe chidzapikisana mwachindunji ndi ma SGB, Gold ETF, ndi mitengo yagolide ya digito.
Zida zomwe zimagulitsidwa pamisika yatsopanoyi yagolide zimatchedwa Electronic Gold Receipts kapena EGRs, ndipo malonda onse odziwika bwino azitha kuyambitsa chida chatsopanochi pamsika.
Zinthu zofunika kukumbukira pokhudzana ndi ma EGR
- GST idzagwiritsidwa ntchito posintha ma EGR kukhala golide weniweni.
- Ngati mukufuna kusunga Golide wakuthupi kudzera mu ma EGR, mitengo idzakhala yokwera kuposa zomwe maloko akubanki amapereka.
- Kutembenuza ma EGR kudzaloledwa kokha mutakhala ndi Golide wamtengo wapatali wa magalamu 50 mu mawonekedwe a EGR
- Ogulitsa adzaloledwa kudziunjikira golide mu mawonekedwe awa.
- Ma EGR adzakhala ndi dongosolo lamisonkho lofanana ndi ma ETF
- Ma EGR amanenedwa kukhala amadzimadzi kuposa ma ETF
- Opereka golide azitha kugwiritsa ntchito ma EGR kubweza golide omwe ali nawo.
Kutsiliza
Pakhala zosintha zingapo zomwe zikuchitika zokhudzana ndi golide wa digito komanso kupezeka kwake pamsika wazachuma waku India.
Komabe, zabwino zokha. Kuonetsetsa kuti ogulitsa malonda ali otetezeka.
Nyumba zingapo zobweza monga Kukula asiya kugulitsa golide wa digito chifukwa chazifukwa zomwezo. Koma palinso nsanja zina zomwe zimakulolani kuti mugwiritse ntchito chimodzi mwazinthu zomwe anthu amafunidwa kwambiri mdziko muno - chitsulo chachikasu.
Ndi mayina 5 apamwamba omwe takambirana, muyenera kukhala otsimikiza kuti mutha kuyika ndalama mu e-golide popanda kudandaula za kusungidwa, kuyeretsedwa, kapena kusinthanitsa zomwezo.
Siyani Mumakonda