Pamene India ikuyandikira kukhala wamphamvu kwambiri pazachuma, osunga ndalama akusakasaka ndalama zina. Mandalama awa ali kunja kwa malo omwe amapangira ndalama, zomwe zimakuthandizani kuti muwonjezere mbiri yanu ndikuteteza likulu lanu kuti lisakhale ndi vuto lazachuma.
Alternative investment funds ndi chida chapadera chandalama chomwe chikutchuka mwachangu m'makampani azachuma aku India.
Chifukwa cha chipwirikiti chamsika, kukwera kwa chiwongola dzanja, zovuta, komanso kusowa chikhulupiriro pazachuma zomwe zalembedwa pagulu ndi misika, osunga ndalama akutembenukira kubizinesi zina ngati njira yopezera phindu.
Mandalama ena amapangidwa mwachinsinsi ndi ndalama zakunja kapena zakunja zomwe zimakonzedwa ngati LLP, bungwe lamakampani, bizinesi, kapena trust. Mwachidule, ndi ndalama zamtundu wazinthu zomwe, mosiyana ndi ma bond, masheya, ndi ndalama, siziwonetsa nsonga ndi zigwa za msika wokhazikika.
Kuyika ndalama kwina kungakuthandizeni kukulitsa ma portfolio anu ndikusunga zoopsa zanu kukhala zochepa kuposa ndalama zachikhalidwe. Ndi njira yosavuta kuti oyika ndalama koyamba ayambe, ndipo sikuti amangotengera anthu kapena mabizinesi okwera mtengo.
M'nkhaniyi, ndikambirana njira 9 zabwino kwambiri zopezera ndalama ku India zomwe mungagwiritse ntchito lero kusiyanitsa ndalama zanu. Koma choyamba, tiyeni timvetsetse kuti ndalama zina zotani.
Tiyeni tiwone njira 9 zabwino kwambiri zopangira ndalama ku India.
Mtengo wa magawo Grip Invest
Mtengo wa magawo Grip Invest ikhoza kukhala chida chothandizira ndalama kwa inu ngati mukuwopa kuchita zoopsa.
Tonsefe timafuna kuyika ndalama ndikupeza phindu labwino, koma ambiri aife timakayikira chifukwa timaopa kusatsimikizika kwa msikawu.
Chodziwika chomwe chimapangitsa Grip kuyika ndalama kukhala yapadera ndikuti sichilumikizidwa ndi msika. Chifukwa chake, imagwiritsa ntchito njira yapadera yomwe imawunikira zoopsa m'malo mwanu ndikuwonetsetsa kuti mumalandira zabwino.
Mosiyana ndi nsanja zina zogulira katundu, phindu lomwe mumapeza pano limasinthidwa pachiwopsezo.
Zogulitsa zoperekedwa ndi Grip ndi:
- Zogulitsa zamakampani
- Kubwereketsa ndalama
- Inventory Finance
- Ndalama zoyambira
- Ndalama zamalonda zamalonda
Kubweza kumakhala pakati pa 8% mpaka 21% pamabizinesi othandizidwa ndi katundu. Poyerekeza, mabizinesi oyambira alibe chiwongolero chobwezera ndipo amagwira ntchito pamakina omwe ali pachiwopsezo chachikulu.
Kupyolera mu Grip, mutha kugulitsa ndalama zobwereketsa, malonda, nyumba ndi zomangidwa, komanso masheya oyambira. Limapereka zambiri zandalama zomwe mwasankha, kuphatikiza mapangano ake abizinesi, zobweza, mgwirizano, mfundo zazikuluzikulu zandalama, ndi zoopsa zomwe zingachitike.
Mutha kugulitsa ku Grip ndi ndalama zosachepera ₹ 10,000 pazogulitsa zandalama, pomwe mudzayenera kuyika ndalama zokwana ₹ 2,00,000 ngati mukufuna kulowa nawo gawo loyambira.
Chimene chimandisangalatsa ine za Grip invest ndi Investor network; yokhala ndi osunga ndalama opitilira 2.5 miliyoni komanso 0% yosasinthika, ndi imodzi mwamapulatifomu omwe amagwiritsidwa ntchito kwambiri.
ubwino
- Grip ndi wofunitsitsa kusankha polojekiti yoyenera kuti agwiritse ntchito. Kuti alembetsedwe pa grip, kampani imayenera kuyang'ana mosamalitsa kuwonetsetsa kuti ndalama za Investor sizikuwonongeka.
- Amakonzekera ndalama zawo popempha chitetezo cha 7.5 mpaka 15% ya ndalama zobwereketsa, zomwe ndi zabwino.
- Ndalama zomwe zimapezeka ku Grip sizikukhudzana ndi kusakhazikika kwa msika. Ndizosazolowereka komanso zapadera, zomwe zimakopa otsatsa atsopano.
- Ndalama za Investor aliyense zimakonzedwa paokha osati mu dziwe, zomwe zikutanthauza kuti muli ndi mphamvu pakuyenda kwa ndalama zomwe mumapanga pa Grip.
kuipa
- Ndikafufuza izi, ndidazindikira kuti Grip adachedwetsa kubweza kwa oyambitsa ochepa.
- Mtengo wobwerera wa Grip nthawi zina umakhala wachinyengo. Wogwiritsa adabweza pafupifupi 8% m'malo mwa 21% yomwe yanenedwa; ndiko kusiyana kwakukulu.
- Grip sikukutsimikizirani chitetezo chilichonse pazogulitsa zanu.
Tyke
Tyke ndi nsanja yokhazikitsidwa ndi mitambo yomwe imakupatsani mwayi woyika ndalama m'mabizinesi apadera.
Mutha kugwiritsa ntchito Tyke ndikuyika ndalama mu Startups. Mutha kuyang'anira ndalama ndi ma KPI ndikuwona momwe ntchito ikuyendera kudzera pa dashboard.
Tyke yapangitsa kuti kukweza ndalama kusakhale kovuta, kupatsa osunga ndalama ngati ife mwayi wambiri woti agwiritse ntchito poyambira. Tyke ikuyang'ananso kwambiri pakupanga ndalama muzinthu zachinsinsi.
Oyambitsa amagwiritsa ntchito Tyke kuti ayambe kuzungulira ndalama, kusankha magawo ndikuitana osunga ndalama kuti alowe nawo.
Tyke adayambitsanso "Analytics," nsanja yatsopano yomwe imathandizira malipoti popereka chidziwitso chofunikira pakupambana kwa ndalama zanu.
Ikufuna kugawa zinthu zake m'magulu azinthu zokhudzana ndi ndalama zomwe amapeza komanso zida zofananira ndi ngongole.
Tyke ndiyabwino kwa ogulitsa malonda chifukwa imapereka nsanja pomwe aliyense angayike ndalama poyambira.
Kampani yopezera ndalama imasankha ndalama zochepa komanso zochulukirapo; komabe, malinga ndi zomwe ndakumana nazo, nthawi zambiri zimakhala pakati pa ₹5,000 mpaka ₹20,000, zomwe ndi zomveka.
ubwino
- Type ndi yosavuta kugwiritsa ntchito komanso mwachilengedwe.
- Makasitomala amalabadira.
- Ogwiritsa ntchito ambiri apereka yankho labwino atagwiritsa ntchito Tyke kwa nthawi yoyamba.
- Kupeza zoyambira zingapo.
kuipa
- Tyke ali ndi mtundu wa CSOP ndi NCD wokhazikitsidwa kwa osunga ndalama.
- Ndikumva kuti Tyke pakadali pano siwogwiritsa ntchito, ndipo muyenera kukumba zolemba zambiri kuti mupeze zidziwitso zoyenera, monga kalata yosungira ndalama, ndi zina zambiri.
Lendbox
Lendbox ndi nsanja yobwereketsa ya RBI ya NBFC - P2P. Idakhazikitsidwa mu 2017 ndipo tsopano ndi imodzi mwamapulatifomu obwereketsa a P2P ku India.
Posachedwapa, Lendbox yasinthidwanso, ndipo ntchito zambiri zatsopano zawonjezedwa kwa makasitomala.
Lendbox yagwirizana ndi mabungwe angapo odziwika bwino kuti apatse osunga ndalama mwayi wopeza ndalama zochepa.
Mabizinesiwa amakhala ngati otsimikizira ngongole zomwe amagulitsa ndi mamembala awo. Mutha kuyembekezera kubwerera kwapachaka kwa 12% mpaka 20%.
ubwino
- Lendbox ndi nsanja yamtundu wina yomwe imagwirizanitsa obwereketsa ndi omwe ali ndi chidwi chofuna kubwereketsa ndalama kudzera pa intaneti.
- Kuchokera kwa oyika ndalama, uwu ndi mwayi wabwino kwambiri wopeza phindu lalikulu pazachuma chawo.
- Zochitazo zilibe ndalama zobisika.
- Kulembetsa ndi kwaulere, mwachangu, komanso kosavuta.
kuipa
- Zitha kukhala zowopsa pang'ono kuposa nsanja zina zogulira chifukwa ndi P2P.
Tradecred
Tsamba lotsatira pamndandanda wanga ndi Tradecred. Ndi nsanja yandalama yomwe imagwira ntchito pazosankha imodzi yokha, kuchotsera ma invoice.
Mutha kuganizira izi ngati njira ina yogulitsira ngongole.
Makampani amagwiritsa ntchito kuchotsera ma invoice ngati njira yopezera ndalama. Amapeza ndalama zochepa kuchokera kwa ogulitsa nthawi zonse mu nthawi yochepa. Tradecred imagwiritsa ntchito nsanja yake kuti ipangitse njira zopezera ndalama zotere kuti zipezeke kwa osunga ndalama ngati inu ndi ine.
TradeCred imalola mabizinesi kutumiza ma invoice awo patsamba lake. Kenako, mutha kugula chidutswa cha malondawo kapena kupereka kwathunthu kutengera zomwe amakonda. Iliyonse mwazochitikazi ili ndi tsiku loyambira ndi lomaliza.
Ntchito ikamalizidwa, kampaniyo idzapereka ndalama kwa Investor ndalama zake kuphatikiza chiwongola dzanja panthawi yonseyi.
Kuti mulowe nawo TradeCred, muyenera kukhala ndi nambala yafoni yolondola yolumikizidwa ndi khadi yanu ya Aadhaar, PAN khadi, ndi akaunti yakubanki yomwe ikugwira ntchito. Kudzera mu Tradecred, mutha kupeza zokolola mpaka 12% pazogulitsa zanu.
ubwino
- Amakupatsani mwayi woyambira ndikuwongolera ndalama zanu.
- Ogwira ntchito bwino pa kasamalidwe ndi kasamalidwe ka makinawa amatha kuyisintha kukhala njira yowopsa komanso yotetezeka.
kuipa
- Ena omwe angakhale osunga ndalama sangakwanitse kupeza ndalama zochepa.
- Pali chiopsezo chachikulu.
Jiraaf
Jiraaf ndi nsanja ya Fintech yomwe imapatsa ogulitsa ogulitsa ndi njira zina zopezera ndalama.
Imati imaposa ma depositi osakhazikika potengera kubweza. Ngakhale kuyika ndalama ku Jiraaf ndikowopsa pang'ono, zobweza zonse ndizopindulitsanso.
Jiraaf adadziwitsa anthu aku India ku zida zopeza ndalama zokhazikika monga ma bond, ma lease, ndi kuchotsera ma invoice.
Jiraaf amapereka kwambiri zinthu zitatu:
- Kuchotsera ma invoice,
- Lease ndi inventory Finance
- Ma debentus osasinthika.
Koma mungapange ndalama zingati ndi Jiraaf?
Izi zidzasiyana malinga ndi zomwe mwasankha.
Malinga ndi kafukufuku wanga, kubwereketsa ndalama kumapereka kubweza kwabwino, komwe kungapereke phindu lalikulu mpaka 17-18%. Itha kuwerengera ndalama zomwe amapeza pambuyo pa msonkho mpaka 11-12% pachaka.
Pankhani ya NDC ndi kuchotsera ma invoice, kubweza kokwanira kumatha kukwera mpaka 10-15%. Bokosi lanu la msonkho lidzatsimikizira zomwe mwabweza pambuyo pa msonkho.
ubwino
- Mutha kusinthanitsa mabizinesi anu m'magulu angapo azinthu.
- Mumapeza ndalama zochulukirapo kuposa ndalama zokhazikika.
- Iwo amachita legwork kupanga ndalama zosavuta kwa inu.
- Mphindi 3 zokha, mutha kutsegula akaunti ndikuyamba kuyika ndalama.
kuipa
- Zowopsa ndizokwera pang'ono.
- Jiraaf satenga chitsimikizo kuti abweza.
Wint Wealth
Wint Wealth ndi kampani ya fintech yomwe imakupatsani mwayi wogula zida zangongole zolemera kwambiri (9%+) (monga Covered Bonds/MLD) ndi chitetezo chabwinoko.
Kutsika kosalekeza kwa zokolola zokhazikika kwapangitsa kuti Wint ikule. Chifukwa ndi chida chodalirika komanso chodalirika chopeza ndalama zokhazikika, Senior Secured Bond ndi yofanana ndi FD. Komabe, amatulutsa zokolola zazikulu kwambiri kuposa ma FD, okwana 9% mpaka 11% pafupifupi.
Yakhala imodzi mwamapulatifomu omwe akukula mwachangu m'zaka zingapo zapitazi.
Wint Wealth imagulitsa ma bond otetezedwa kuchokera kumakampani osiyanasiyana mwachindunji kwa ogula. Yakhazikitsa zomangira zophimbidwa kwa osunga ndalama pawokha, zomwe zimapereka chitetezo chochulukirapo.
Kutsegula akaunti ndi Wint Wealth ndikwaulere. Muyenera kukhala ndi akaunti ndi broker wolembetsa SEBI kuti mupange akaunti yanu. Adzachepetsa chiwongola dzanja chanu ndi 2% ngati zinthu zitakhala ndi chiwongola dzanja chokhazikika cha 12-14%.
ubwino
- Chifukwa cha kusiyanasiyana kwake, Wint amawonetsetsa kuti mumatetezedwa ku masoka omwe simunayembekezere pamsika.
- Zomangira za Wint Wealth zimapereka mphotho kwakanthawi kochepa, zaka ziwiri zokha.
- Ma bond omwe amapezeka kudzera papulatifomu ya Wint amalembedwa pafupipafupi pamsika.
kuipa
- Malinga ndi malipoti, anthu angapo adaberedwa ndalama zambirimbiri.
- Muyenera kutenga chiwopsezo cha kutayika kwathunthu ngati bizinesi itenga ngongoleyo ndikulephera.
LiquiLoans
LiquiLoans ndi nsanja yobwereketsa ya P2P yomwe imagwiritsa ntchito ukadaulo wotsogola kulumikiza olembetsa ndi obwereketsa kutengera kulolerana kwachiwopsezo.
Amwenye akhala akusunga ndalama zokhazikika, ndipo pafupifupi 70% ya ndalama zomwe amasunga amaziyika muzinthu zomwe amapeza. Maakaunti ambiri osungira ndalama kubanki pakadali pano amapereka 2.5-3.5% yokha m'malo obweza otsika, omwe ndi omwe amawatsata a LiquiLoans.
LiquiLoans imapereka yankho lapadera lomwe limakupatsani mwayi wobweza 8-10% pazogulitsa zanu ndikusunga ndalama mwachangu komanso mosasinthasintha. Chifukwa chake ndi chinthu chabwino kwambiri chosungira ndalama kwakanthawi kochepa, zomwe zili bwino kuposa ndalama zamadzimadzi/maakaunti opulumutsa/ma FD.
Salipiritsa chindapusa kwa osunga ndalama kapena obwereketsa chifukwa ndalamazo zimaperekedwa kwa anzawo omwe amapereka ngongole.
ubwino
- Kampaniyo siyilipira chiwongola dzanja cha ogula.
- LiquiLoans imatha kukopa obwereketsa omwe ali ndi ndalama zambiri pachaka kuposa Rs. 8 lakhs kudzera mu mgwirizano.
- Chifukwa chakuti kutha kwa ndalama kumanenedwa mosamalitsa, obwereka omwe ali ndi zolinga zachinyengo amasanjidwa, zomwe zimachepetsa kwambiri mwayi wobweza ngongole.
kuipa
- Ndalama zochepa ndi $ 50,000, zomwe ndi ndalama zambiri.
Altifi
AltiFi ndi nsanja yotsika mtengo yomwe imalola ogula payekha kugula zinthu zomwe amapeza.
Amapereka zitetezo zomwe poyamba zinkapezeka kwa makampani ogulitsa ndalama, ogulitsa malonda, anthu olemera, ndi ma HNIs.
Altifi imalola mabungwe, ma HNIs, ndi osunga ndalama pawokha kuti apeze ma bond ndi satifiketi ya deposit kuchokera kumakampani omwe akukwera m'mafakitale ambiri.
Ndiwothandizirana ndi Northern Arc Capital, bungwe lodziwika bwino lazachuma, mgwirizano ndi kasamalidwe ka chuma.
Chifukwa imangopereka ma bond omwe amalembetsedwa ndi bizinesi ya makolo awo, Northern Arc, Altfi si msika wamba. Pulatifomuyi imayang'ana kwambiri ma bond omwe amaperekedwa ndi makampani omwe ali ndi ngongole yolimba, ndipo Northern Arc ili ndi chidaliro pakulemba.
Zokolola za bond zimasiyana 8 mpaka 13%. Kupatula ma bond, nyumba zokhoma msonkho monga MLD ndizofalanso.
Mukalembetsa ndi Altifi, muyenera kulowa muakaunti yanu ya Demat, yomwe ingakhale NSDL kapena CDSL. Njira yololeza KYC ndiyofulumira, ndipo mutha kugula ma bond mkati mwa maola 24.
Mutha kugula ma bondi kudzera kubanki kapena UPI, ndipo awoneka muakaunti ya Demat mkati mwa masiku awiri.
ubwino
- Kulembetsa ndichangu. Ndinatha kugula ma bond anga mu maola 24.
- Utumiki wamakasitomala unalinso wapamwamba kwambiri. Anali ofulumira kuyankha funso lililonse.
kuipa
- Ma bond atha kutenga masiku opitilira awiri kuti awonekere mu akaunti yanu ya Demat.
- Njira ya KYC ikhoza kukhala yovutitsa kwa ogwiritsa ntchito ena.
KredX
KredX imadzifotokoza ngati yopereka mayankho azachuma.
Idakhazikitsidwa mu 2015 ndipo yawonjezera zinthu zingapo kwa ogulitsa ogulitsa ndi makampani.
KredX imapereka kasamalidwe kazachuma ndi kayendetsedwe ka ndalama kumabungwe ndi mabizinesi ang'onoang'ono. Limaperekanso Gulani Tsopano Lipirani Pambuyo pake (BNPL) ntchito za B2B, kuchotsera mabilu, ndalama zotumiza kunja, ndi zinthu zina zambiri.
Iwo angotulutsa KredX Cashback Khadi la malipiro a ogulitsa mogwirizana ndi ICICI Bank, yomwe imapereka ndalama zobwezera / mphotho pa malipiro a ogulitsa.
Gulu la KredX limapangidwa ndi oyambitsa ndi mamembala amagulu omwe ali ndi ukadaulo wambiri wamabanki, zachuma, ndi magawo ena. Tiger Global, Sequoia, ndi Prime Venture Partners ndi ena mwa omwe amagulitsa ndalama ku KredX.
ubwino
- Zimalola osunga ndalama wamba kutenga nawo gawo pakuchotsera ma invoice.
- KredX imapereka njira yolowera mosasunthika ndipo imalola osunga ndalama kuti azitha kusiyanasiyana pamitundu yazachuma.
- Kulembetsa ndikofulumira komanso kosavuta.
- KredX ndi yotetezeka, popanda zolembedwa zojambulidwa m'zaka zaposachedwa.
kuipa
- Simudzatha kuwona zidziwitso zilizonse zokhudzana ndi kuchuluka kwa zobweza mpaka mutalembetsa akaunti yanu.
- Zosankha zochepa zokha zomwe zilipo kwa ogulitsa malonda.
Final Chigamulo
Chifukwa chake, awa anali nsanja 9 zabwino kwambiri zopangira ndalama ku India zomwe ndi zodziwika bwino komanso zimagwiritsidwa ntchito ndi mamiliyoni amakasitomala.
Masitepe monga Jiraaf, Mtengo wa magawo Grip Invest, Wint Wealthndipo Tyke ndi malo abwino oti muyambitsire ulendo wanu wina wobwereketsa ndalama. Mapulatifomu awa ali ndi makasitomala abwino ndipo amadziwika kuti amachita zomwe amadzinenera.
Osati malangizo azachuma, koma zomwe ndimachita ndizoti, m'malo moyika ndalama zanga mu thumba limodzi lothandizira ndalama, ndimafalitsa ndalama zambiri. Ndimayamba ndi ndalama zochepa, ndipo ndikamva kuti ndikubweza bwino kuchokera papulatifomu inayake ndipo ziwerengero zawo ndi zodalirika, ndimakonda kuwonjezera kukula kwanga kwa kubetcha.
Zinali zonse za lero; ndalama zina zopangira ndalama izi zimapereka njira yabwino yopangira ndalama zopanda pake. Komabe, ndiyenera kunena kuti, monga Investor, muyenera kuchita kafukufuku wokwanira ndipo musadalire ziwerengero zomwe zikuwonetsedwa patsamba lililonse lazamalonda.
Tushar
Ndagwiritsa ntchito pafupifupi nsanja zonse zomwe zili pamwambapa kupatula 2 ndipo ndimafuna kukudziwitsani kuti Kredx ili ndi zolakwika zambiri zomwe tayika pamwamba pa 2-3 cr kudzera mu izo ndipo 3 mwazinthu zanga zomwe zakhala zikusintha kuyambira pano zomwe zikupitilira 10Lakh. alonjeza kuti adzabweza koma mabilu ena akhala akulipiridwa kwa chaka chopitilira ndipo palibe chizindikiro choti alandila.