Tech ndiye chinsinsi chokulitsa, pafupifupi chilichonse.
Imodzi mwa njira zazikuluzikulu zomwe tech imalola kuti makulitsidwe ndi kudzera pa automation. Tikukhala m'nthawi yomwe titha kugwiritsa ntchito mapulogalamu amakono ndikuyika ndalama zomwe tasunga ndi ndalama pa autopilot kuti apitilize kukula popanda chidwi chathu.
Ndakhala ndikudzipangira zinthu zazikulu zabizinesi yanga komanso moyo wanga kwa nthawi yayitali.
Kuyambira pamene ndinayamba kupanga ndalama, ndakhala ndikupeza njira zosiyanasiyana zowonjezeretsa ndikusintha ndalama zanga, kusunga, ndi ndalama. Ngakhale kupanga bajeti.
Ubwino wogwiritsa ntchito ndalama zanu ndi zambiri, koma zonse zimabwera pansi pa zinthu ziwiri zitatu:
- Simudzasowa kuyika ndalama pazinthu zosiyanasiyana pamanja mwezi uliwonse. Zidzachitika zokha. Izi zikutanthawuzanso kuti mumachotsa mwayi uliwonse wosayika ndalama pamwezi uliwonse kapena kuwononga bajeti yanu. Kuphatikiza apo, mukhala mukusiyana mokwanira kuti muchepetse kusinthasintha kuchokera ku mbiri yanu kwambiri ngati mutsatira kalozerayu.
- Mudzakhala "nthawi zonse" kulunzanitsa kapena kuposa msika - chifukwa simudzayesa nthawi ndikupambana msika.
- Palibe chifukwa chofuna mphamvu kapena kulanga. Mutha kusangalala ndi moyo wanu, kuchita zomwe mumakonda m'malo modera nkhawa za msika. Sizidzafuna chidwi chanu kapena kulowetsamo.
M'nkhaniyi, ndikudutsani njira yosavuta yosinthira pang'onopang'ono kuti mugwiritse ntchito ndalama zanu ndikusunga ndalama.
Ndasunga bukhuli mophweka kwambiri. Ngakhale mutakhala kuti mulibe chidziwitso, osakwana ola limodzi sabata iliyonse, mutha kugwiritsa ntchito makina onsewa ndikuwongolera ndalama zanu.
Ndikhoza kukutsimikizirani kuti mudzatha kusunga ndi kugulitsa ndalama zambiri kuposa momwe munachitira poyamba potsatira njirayi.
Pamaso pa automation,
Tikonza zoyambira poyamba.
Gawo 1: Konzani Akaunti Yanu Yakubanki
Pali maakaunti ambiri aku banki omwe amaperekedwa ndi mabanki azinsinsi ku India.
Ndikulankhula za zokonda za HDFC Classic Or Kotak Privy League.
Maakaunti aku bankiwa amafuna kuti mukhale ndi ndalama zochepa kwambiri, pamwezi kapena kotala. Zomwe ndi zopanda pake pamene mutha kukhala "bwino" popanda kusiya mulu wa ndalama.
Kupatula Mwayi wa ICICI, sindingakulimbikitseni kuti musankhe akaunti yakubanki yamtengo wapatali ku India.
Makamaka HDFC yapamwamba.
Ngati mukuyenerabe kusunga zoposa 25,000 mu akaunti yanu yakubanki, muyenera kusintha.
Chifukwa sindikufuna kuti muzichita mantha kugwiritsa ntchito ndalama zanu kapena kulipira ndalama zambiri ngati mutasankha kuziwononga.
Kotero, mu sitepe yoyamba iyi, tidzasankha akaunti yakubanki yotsika mtengo, koma osati zero-balance. Nthawi zambiri, maakaunti a zero-balance amabwera ndi ndalama zobisika, choncho onetsetsani kuti simukusankha Kotak 811.
Ndikupangira kusankha:
- IndusInd Indus Privilege Savings Account - mwina akaunti yabwino kwambiri, sipadzakhala zolipiritsa zobisika ku India.
- ICICI Gold Privilege - Ngati mukufuna kubanki yakunyumba, ntchito yofunika kwambiri kunthambi, palibe zolipiritsa pakusamutsa, ma ATM, macheke, ndi DD, iyi ndiye akaunti yabwino kwambiri. Mutha kupezanso ma Payback points Khadi la Debit ndalama. Palibe ndalama za forex.
- Neo banki - Fi.Money. Zowonadi, ngati ndinu munthu amene amalipidwa komanso osakwana zaka 30, mabanki a Neo amakupatsirani ntchito zabwino kwambiri, osalipira chilichonse, komanso matani obweza ndalama / mphotho.
Maakaunti atatu aku banki omwe ali pamwambapa - sangakulipireni chilichonse pamalonda a IMPS, ma transactions a forex, kumva kukonza kwa ATM, ndi zolipiritsa zina zobisika monga chindapusa cha khadi lanu kukanidwa pa ATM. Ndi ICICI Bank, ubale wanu ndi banki yanu pakapita nthawi udzakuthandizani kuti mutengenso ngongole zapadera.
Kotak Mahindra Bank ndi chisankho chabwino, koma amalipira ndalama zina zomwe sizimveka. Ndipo amangowonjezera njira zatsopano zolipirira makasitomala.
Ngati mukugwiritsa ntchito banki ya PSU, monga PNB kapena BOI ngati akaunti yanu yayikulu yaku banki, sinthani kubanki yabwinoko ngati ICICI, IndusInd, kapena Kotak.
Mukupereka ndalama zanu kwa obwereketsa a NPA kwaulere.
Mabanki a PSU ali ndi mapulogalamu akale (kupatula SBI), ntchito yamakasitomala yoyipa kwambiri, ndipo palibe phindu lokhala kasitomala wabwino (kachiwiri, kupatula SBI).
Pali mwamtheradi Zifukwa zero kusankha maakaunti aku banki apamwamba pamwezi.
Mukakonza akaunti yanu yaku banki, tiyeni tipitirire ku sitepe yoyamba yopangira zokha - kupanga thumba lachidziwitso.
Khwerero 2: thumba lanu la Emergency Fund
Mkhalidwe ngati mliri wa COVID ndi chitsanzo chabwino kufotokoza lingaliro ndi kufunikira kwa Emergency Fund.
Tiyerekeze kuti ndinu wantchito wolipidwa ndipo kutsekeka chifukwa cha mliri mu 2020 kumachitika, mumataya ntchito.
Mukakhala mulibe thumba lachidziwitso, ndikuchotsedwa ntchito, mumadyetsedwa. Umo ndi momwe ine ndimayika izo.
Komabe, ngati muli ndi thumba lachiwongola dzanja, mutha kusunga ndalama zothandizira mwachangu, kulipira lendi, ndi kulipira zinthu zina zofunika - pofunafuna njira zina zoyambira kupanga ndalama.
Ndipo ndikofunikira kumvetsetsa, zomwe mwagulitsa muzochitika izi sizimatengedwa ngati thumba lanu ladzidzidzi. Amakhudzidwa ndi msika. Zina mwazinthu zanu zatsika kupitilira 60% ndipo thumba lanu logwirizana silingalole kuchotsedwa chifukwa cha kuchuluka komwe kwagulidwa.
Kuphatikiza apo, mukatenga kubetcha kwanthawi yayitali, simukufuna kupanga ndalama pazinthu izi pakanthawi kochepa. Mutha kutaya zotayika ndi kulipira misonkho pamwamba pake.
Ichi ndi chitsanzo chimodzi chophweka cha chifukwa chake thumba ladzidzidzi ndilofunika. Mutha kuganiza za zochitika zana zomwe mukufuna ndalama, pakali pano ndipo ngati simutero, zinthu zitha kukhala zoyipa.
Thumba ladzidzidzi, mwa tanthawuzo, ndi ndalama zomwe mumasungira pambali zomwe mungathe kuzipeza nthawi yomweyo. Muyenera kuchotsa ndalama m'thumba lanu ladzidzidzi pokhapo pamene mukufunikiradi kwa, ndipo osati kwa china chirichonse.
Simuyamba kuyika ndalama mpaka mutakhala ndi thumba ladzidzidzi.
Ndichoncho.
Momwemo, mungawerenge malingaliro a ndalama zamadzimadzi ngati malo otetezeka kuti muyimitse ndalama zanu zadzidzidzi.
Chimodzi mwazifukwa zomwe sindingakulimbikitseni kusankha Ndalama za Ngongole ngati thumba ladzidzidzi, ndizosatetezeka ngati banki yanu, ngakhale zili zotetezedwa kwambiri pakusakhazikika komanso kusintha kwa msika.
Ndipo lingaliro lonse lokhala ndi thumba ladzidzidzi ndikupeza mwayi wopeza ndalamazo mukafuna. Osati mu tsiku, kapena maola 48, pompano.
Ichi ndichifukwa chake tisunga ndalama zathu zadzidzidzi muakaunti yosungira.
Chifukwa chiyani akaunti yosungira?
Mutha kusamutsa ndalama kuti mukulitse thumba lanu ladzidzidzi. Mumapeza chitetezo ku banki. Mumapeza chiwongola dzanja pamwamba pake, kuphatikizanso, imapezeka mosavuta popanda mtengo uliwonse. Palibe zotuluka, msonkho wopindula, kapena nthawi yodikirira maola 48 kuti mupeze ndalama zanu.
Chinthu chofunika kwambiri - muyenera mwambo. Muyenera kuwonetsetsa kuti simukhudza thumba lanu ladzidzidzi pokhapokha mukuyenera kutero.
Kusunga thumba lanu lachangu muakaunti yosungira kumapangitsanso kupezeka mosavuta. Zosavuta kotero kuti munthu wopanda mfundo komanso mfundo zamphamvu azichoka ku thumba lake ladzidzidzi nthawi zonse.
Simuyenera kuchita zimenezo.
Kodi muyenera kusungitsa ndalama zingati m'thumba lanu ladzidzidzi mwezi uliwonse?
Pali njira yowerengera kuchuluka kwa ndalama zomwe muyenera kukhala nazo m'ndalama zanu zadzidzidzi.
Nayi chowerengera chachuma chadzidzidzi pa intaneti chomwe ndakupangirani.
Kuti muwerengere, choyamba pendani kuchuluka kwa ndalama zomwe mumawononga pamwezi. Kuyerekeza kungagwire ntchito. Simukuyenera kukhala achindunji.
Tiyeni titenge ₹ 100,000.
Ngati ndalama zomwe ndimagwiritsa ntchito pamwezi ndi ₹ 100,000, ndiye kuti ndiyenera kukhala ndi ndalama zokwanira m'thumba langa ladzidzidzi kuti ndiwononge ndalama zokwana miyezi 6.
Ndikufuna pafupifupi ₹ 6,00,000 muakaunti yosungirako ngati thumba langa ladzidzidzi.
Ndine wosamala kwambiri, kotero ndikufuna kukhala ndi osachepera ₹ 1,200,000 muakaunti yanga yosungira. Kungokhala kumbali yotetezeka komanso, ndimakonda kukhala ndi ndalama m'manja.
Kukonda ndalama uku kunali chimodzi mwazifukwa zazikulu zomwe ndidakwanitsa kuchita bwino pa ngozi ya Marichi 2020 - kupeza malonda ngati ₹ 690 pafupifupi a Infosys. Ndikanakhala kuti ndinalibe ndalama, ukanakhala mwayi wapazaka khumi umene ndinauphonya.
Kotero, ngakhale mukumva Ray Dalio kunena kuti ndalama ndi zinyalala, kumbukirani kuti amapeza ndalama zambiri kotala lililonse kuti azigulitsa. Iye ndi wolemera ndalama. Ndipo inunso muyenera kukhala.
Momwe Mungakhazikitsire Fund Yanu Yadzidzidzi
Ndikupangira kusankha akaunti yosungira ku banki monga:
- ICICI - Njira yabwino kwambiri, mutha kugwiritsa ntchito chiwembu chotengera cholinga cha iWish.
- Kotak Mahindra Bank - Chiwongola dzanja chambiri, popeza simugwiritsa ntchito ndalama zanu zadzidzidzi pazinthu zatsiku ndi tsiku, simuyenera kuda nkhawa ndi zomwe amalipira.
Ngati mukusankha Kotak Savings Account kuti muyimitse thumba lanu ladzidzidzi, pangani malangizo okhazikika kuchokera kuakaunti yanu yamalipiro kapena akaunti yanu yabizinesi/akaunti yamakono kuti musamutsire 10% ya ndalama zanu ku akaunti yanu ya thumba ladzidzidzi.
Muyenera kuchita izi mpaka mutakhala ndi ndalama zokwanira m'thumba lanu ladzidzidzi kuti zikuthandizeni kwa miyezi 6 mpaka 12 yamavuto.
Ngati mukusankha akaunti yosungira ku banki ya ICICI, sankhani akaunti yocheperako. Simufunikanso akaunti yapamwamba pazifukwa izi. Palibe zomveka kulipira ndalama kuti mukhalebe ndi ndalama zochepa.
Gawo labwino kwambiri pakusankha akaunti yosungira ndalama kubanki ya ICICI ndi iWish deposit scheme.
Awa ndiye malo abwino oti muyimitse thumba lanu ladzidzidzi. Ma depositi a iWish amakuthandizani kusunga ndalama pazolinga zazifupi mpaka zapakati.
Popeza ndi dongosolo la depositi, mumapezanso mwayi wopeza chiwongola dzanja pa thumba lanu ladzidzidzi.
Ndipo ndi dongosolo lalifupi, lopanda kudzipereka, kotero kuti simudzalipira ndalama zilizonse ndikuchotsa ku akaunti yanu ya iWish.
Khazikitsani akaunti ya deposit ya iWish polowa mu ICICI net banking dashboard yanu.
Tchulani gawo lanu la iWish "Emergency Fund" ndikusinthira ndalama zanu pamwezi pano.
Apanso, yambani ndi kusamutsa 10% ya ndalama zomwe mumapeza ku akaunti ya deposit ya iWish. Ndi 10% ya ndalama zomwe mumapeza mu akauntiyi, mudzatha kukwaniritsa cholinga chanu cha thumba ladzidzidzi mwachangu.
Ngati mungathe kulipirira thumba lanu lonse lachangu pakasamutsidwa kamodzi, chitani. Ndipo pitirirani ku sitepe yotsatira.
Kapena, pitilizani kusungitsa mwezi uliwonse mpaka mutafika kumeneko.
Mukakonza thumba lanu lachidziwitso chadzidzidzi, tiyeni tipitirire ku gawo lachitatu la kukonza ndalama zanu.
Khwerero 3: Kukhazikitsa Ndalama Zanu Zopuma pantchito + Tiyeni Tisunge Misonkho!
Chotsatira ndikukonza ndalama zanu zopuma pantchito.
Kusungira ndalama mukapuma pantchito kuli ndi maubwino awiri:
- Mumamanga chuma chambiri pa gawo la moyo wanu mukangofuna kuti mupumule, kukankha ndikuzizira kwinakwake. Ngati mumalipidwa, iyi ndi sitepe yofunika kwambiri pazachuma ngati kumanga thumba lazadzidzidzi. Chifukwa simudzagwira ntchito mukadzakwanitsa zaka 60.
- Mutha kusunga msonkho.
Mukangoyamba kupereka ndalama zothandizira pantchito yanu yopuma pantchito, m'pamenenso mudzapeza chuma chochuluka mukadzakwanitsa zaka 60.
Kuti ndikupatseni nkhani, ndidayambitsa akaunti yanga ya NPS nditangofika 18 (ndakhala kupanga ndalama Intaneti kuyambira ndili ndi zaka 17). Ngakhale ndisanapeze akaunti yanga ya Demat.
Ndikadayamba akaunti yanga ya NPS patangopita zaka ziwiri ndili ndi zaka 20, ndikadataya ma crores angapo kuchokera pantchito yanga yopuma pantchito.
Pali ndalama zitatu zopuma pantchito zomwe ndingapangire aliyense:
- NPS - yofunika kwambiri.
- PPF - Zopereka zopanda msonkho kwathunthu, chiwongola dzanja ndi kukhwima.
- ELSS mutual funds - Kubweza ndalama zambiri kuphatikiza ndalama zochepa zamisonkho.
Pazosankha zonse zitatu pamwambapa, ndikupangira. kuyambira ndi akaunti ya NPS, kenako PPF, ndipo pomaliza ndikuyika ndalama mu ELSS mutual funds.
Akaunti ya NPS (National Pension Scheme) ndi njira yothandizidwa ndi aliyense kuti nzika monga inu ndi ine ziyambe thumba lapuma pantchito. NPS imagwira ntchito ngati penshoni yanthawi zonse - mumayika ndalama mpaka mutakwanitsa zaka 60 ndipo mukafika kumeneko, mumalipidwa ndalama mwezi uliwonse.
Kodi mudzalipidwa zingati mwezi uliwonse ngati penshoni mukadzakwanitsa zaka 60, zimatengera zinthu zitatu:
- Kodi mumayamba bwanji kupereka nawo ku akaunti yanu ya NPS?
- Kodi mumapereka ndalama zingati pachaka?
- Kodi mumapeza ndalama zingati pazogulitsa zanu za NPS?
Chifukwa chake yambani kupereka nawo ku akaunti yanu ya NPS lero ndikuwona ikukula chaka chilichonse.
Momwe mungatsegule akaunti ya NPS?
Ndikupangira kuti mutsegule akaunti yanu ya NPS kudzera ku banki yanu, makamaka ngati ndinu kasitomala wa ICICI, IndusInd, Kotak kapena HDFC.
Kapenanso, mutha kusankhanso akaunti ya NPS poyendera tsamba lovomerezeka la NSDL Pano. (Ulalo Wachindunji ku Kulembetsa kwa NPS).
Pali magawo awiri a NPS:
- Gawo 1 - Iyi ndi yomwe mudzatsegule kuti mupeze penshoni ndi msonkho. Ndalama zanu zimatsekedwa mpaka mutakwanitsa zaka 60. Mutha kutenga ndalama zokwana 25% pamisonkhano yapadera ngati maukwati pakatha zaka zitatu. Pa 3, mutha kubweza mpaka 60% lumpsum.
NPS Tier 1 ndiyoyenera kuchotsedwa msonkho pa zopereka zofika ku Rs 1.5 lakh pansi pa Gawo 80 C ndi ma Rs 50,000 owonjezera pansi pa Gawo 80 CCD (1B) la Income Tax Act, 1961.
- Gawo 2 - Iyi ndi akaunti yodzifunira. Simumapeza phindu la msonkho kapena penshoni. Kwenikweni, zimakupatsani mwayi woyika ndalama mu ndalama zolumikizidwa ndi NPS koma popanda phindu lililonse ngati NPS gawo 1. Ndipo mutha kuchotsa ndalama zanu nthawi iliyonse popanda chindapusa. Ndalama zanu sizinakiyidwe.
Palinso kusiyanasiyana kwina kwa Gawo 2 komwe kumapulumutsa misonkho, koma tinyalanyaza konse. Thumba la ELSS limamveka bwino pa izi.
Mukatsegula akaunti yanu ya NPS, muyenera kusankha woyang'anira thumba. Ndikupangira kusankha imodzi mwa izi:
- HDFC - Zomwe ndasankha ndekha.
- ICICI
- SCI
Kenako, mudzafunsidwa kuti musankhe pakati pa njira zitatu zoyendetsera ndalama:
- Wosamala
- Wongolerani
- Wokwiya
Choyamba, sankhani Auto Option.
Iwalani za Conservative.
Kenako sankhani zapakati. Kwa osunga ndalama ambiri, iyi ndi njira yabwino koma yotetezeka.
Komabe, mutha kusankhanso Aggressive, popeza thumba lanu la NPS limayendetsedwa ndi oyang'anira thumba odziwa bwino ntchito, ndipo tikuyang'ana zaka zambiri kuti ndalama izi zikule, kuopsa kwake kumakhala kochepa.
Zaka zingapo mmbuyomo, kuyika ndalama ku NPS kunali kovuta kwambiri. Monga kwenikweni zovuta. Muyenera kulowa muakaunti yanu ya PRAN, lembani mafomuwa, perekani kudzera pa kirediti kadi kapena kubanki yaku banki mukulipiranso kandalama kakang'ono.
Tsopano, izo zonse zikhoza kukhala zokha.
Ndi akaunti yanu ya NPS, mumapezanso akaunti yosungitsa ndalama. Imatchedwa D-Remit. Ndi akauntiyi yosungitsa ndalama, mutha kuthandizira ku akaunti yanu ya NPS kudzera mukusamutsa kubanki ndikupeza NAV ya tsiku lomwelo.
Izi zikutanthauza kuti mutha kukhazikitsa malangizo okhazikika kudzera muakaunti yanu yaku banki kuti muthandizire ku akaunti yanu ya NPS mwezi uliwonse, zokha.
Momwe mungapezere zambiri za akaunti yanu ya D-remit NPS?
Zingatenge pafupifupi maola 24 mpaka 48 kuti mupeze zambiri za akaunti yanu ya D-remit mu imelo yanu.
Mukapeza izi, pangani malangizo okhazikika kuti mupereke ndalama zosachepera 5% mwezi uliwonse. Chifukwa chake ngati mukupanga ₹ 1,00,000/mwezi, perekani ₹ 5,000 mwezi uliwonse.
Palibe malire pazomwe mungathandizire ku akaunti yanu ya NPS.
Koma mutha kusunga mpaka ₹ 2,00,000 pakuchotsera msonkho.
Ngati mulibe chilichonse monga ngongole yagalimoto kapena ngongole yapanyumba pomwe ma EMI anu amwezi uliwonse amaposa 30% ya ndalama zomwe mumapeza, mutha kupereka 10% ya ndalama zomwe mumapeza ku NPS.
Komabe, ndingapangire 5%. Sindikutenga njira yosamala.
Tikhala tikutenga njira yolemetsa kwambiri kuti tithe kupanga ndikugwiritsa ntchito chumacho lero, osati pamene ife tiri okalamba.
Takhazikitsa kale thumba lapuma pantchito ndi thumba ladzidzidzi, ndiye tsopano ndi nthawi yoti tichite zoopsa.
Pazaka khumi zapitazi, ndalama za NPS zachita bwino kwambiri kuposa ndalama zina zopuma pantchito ndi penshoni, zomwe zimapereka pafupifupi 8 mpaka 10% kubweza pachaka. Popeza ndalama zanu zimayikidwanso muzachuma, mumapezanso chiwongola dzanja cha 20%+, koma mutha kuyembekezera CAGR kapena paliponse pakati pa 8% mpaka 12% m'zaka 10.
PPF kukhala wopanda chiwopsezo kungakupangitseni chiwongola dzanja cha 7.1% ndipo simungathe kupereka zoposa 1.5 Lakhs pachaka.
Koma ndi njira yotetezeka kwambiri kuyika ndalama zanu kwa nthawi yayitali ndikusunga msonkho. Mutha kupitiriza kukonzanso PPF yanu pakadutsa zaka 15 pazaka zisanu zilizonse kwa nthawi yonse yomwe mukufuna. Ndipo ndalama zonsezi ndi zopanda msonkho. Mutha kusunga misonkho lero komanso mtsogolo.
Mutha kutsegula PPF yanu kudzera ku banki yanu yokha. Lowani muakaunti yanu yakubanki yapaintaneti ndipo muyenera kuwona njira yomwe ili pansi pagawo lazachuma kuti mutsegule akaunti ya PPF. Zimasiyanasiyana ku banki kupita ku banki.
Mutha kupanga malangizo oyimilira kuti muthandizire ku akaunti yanu ya PPC mwezi uliwonse.
Chotsani PPF yanu chaka chilichonse - imangokulolani kusungitsa mpaka ₹ 1,50,000 chaka chilichonse.
Mukachulukitsa izi, mumasunga ndalama zamasewerawa pochotsa msonkho lero, ndipo mtsogolomu mudzazichotsa.
Tidzayang'ana ELSS mutual funds tikakhazikitsa akaunti yanu yoyika ndalama mu gawo lotsatira.
Ndichoncho! - Tikukuthokozani pomaliza gawo 1 lakupanga (kukonza zambiri) ndalama zanu!
Tsopano popeza muli ndi akaunti yayikulu yaku banki yomwe simabera ndalama zanu, thumba ladzidzidzi lokuthandizani kuti muchoke muzovuta, komanso thumba lapuma pantchito kuti likule, gawo lachiwiri lidzayang'ana kwambiri pakupanga bajeti, ndikuwongolera ngongole yanu.
Ngati muli ndi mafunso, ndidziwitseni mu ndemanga.
Somnath Bhattacharyya
Ndinkhani yabwino kwambiri yokonza zandalama makamaka kwa anthu osadziwa. Ndikungowonjezera mfundo zina zomwe ndimatsatira ndipo nditha kuthandiza ena
1. Kugwiritsa ntchito ndalama ziwiri zosungira ku banki imodzi ... ikani ndalama zonse zomwe mumapeza komanso ndalama zokhazikika kuchokera muakaunti imodzi ndipo gwiritsani ntchito ATM khadi ya akaunti ina pogulitsa ndalama kapena ndalama zilizonse zapaintaneti. Mutha kusesa muakaunti yanu yogwiritsa ntchito nthawi iliyonse ikafunika.
2. M'malingaliro anga mapulogalamu a App ndi Internet banking operekedwa ndi ICICI ndi msika wabwino kwambiri ku India.
Aayush Bhaskar
Hi Somnath,
Zikomo powonjezera phindu!
Priya
Nkhani yabwino, zikomo pogawana zomwe mukudziwa.
Priya
mungagawanenso momwe mungayang'anire zomwe mumawononga tsiku lililonse? Inemwini, ndimagwiritsa ntchito pulogalamu ya Walnut.
Aayush Bhaskar
Ndimagwiritsa ntchito Wallet ndi BudgetBakers. Uwu uyenera kukhala mutu wa gawo lachiwiri - kulowa mwatsatanetsatane mu Wallet chifukwa ndi njira yotsika mtengo yomwe ili ndi zinthu zambiri zosinthira bajeti ndikutsata bwino.