Kodi ndinu wophunzira waku India yemwe mukufuna njira yazachuma?
Musayang'ane kwina kulikonse!
Mapulogalamu 12 a ngongole omwe atchulidwa pansipa ndi a ophunzira omwe apezedwa pambuyo pofufuza bwino msika. Ndi kupezeka kwachangu komanso mwayi wolimbikitsira, mapulogalamuwa amathandizira kuyang'anira ngongole mosavuta.
Mutha kukhala otsimikiza kuti mwapeza yankho labwino pazosowa zanu, chifukwa cha mawonekedwe osavuta kugwiritsa ntchito, mitengo yotsika mtengo, ndi mawonekedwe osiyanasiyana.
Mapulogalamuwa adzasamalira zosowa zanu zachuma, choncho lekani kudandaula. Gwiritsani ntchito bwino nthawi yanu monga wophunzira poyang'anira ngongole yanu tsopano!
1. PaySense
Paysense ndi bizinesi yaukadaulo wazachuma yomwe imapatsa anthu ku India ngongole zawo, mizere yangongole, ndi ntchito zina zachuma. Bungwe lazangongole limagwiritsa ntchito sayansi ya data ndi kuphunzira pamakina kuti liwone ngati kasitomala akuyenera kulandira ngongole.
Imavomereza ngongole kwa anthu omwe alibe mawonedwe abwino angongole kapena mbiri yayifupi yangongole. Bizinesiyo idakhazikitsidwa mchaka cha 2015, ndipo kuyambira pamenepo, yalandira ulemu angapo ndikupereka ngongole kwa ogula opitilira 2.5 lakh.
Kupyolera m'magulu angapo azachuma, ikukulitsa zopereka zake ndikufikira makasitomala owonjezera.
[Kuyenerera: Zaka 21 mpaka 65]
Mawonekedwe
- Kupeza ngongole zamunthu pompopompo, zokhala ndi ngongole zoyambira ₹5000 mpaka ₹5 lakh
- Amapereka ngongole pa chiwongoladzanja cha 1.4% -2.3% pamwezi.
- Palibe mbiri yangongole yofunikira kuti mulembetse ndikuvomerezedwa
- Ophunzira oyenerera atha kulembetsa kubwereketsa kotsatira
- Kubweza ngongole kumakumbutsa ophunzira kuti azilipira pa nthawi yake
- Njira yolandirira ngongole ya digito popanda mapepala ofunikira
- Amagwiritsa ntchito sayansi yapamwamba ya data ndi kuphunzira pamakina kuti ayese kuyenera kwangongole
2. redcarpet
RedCarpet ndi nsanja yobwereketsa ya digito yomwe idakhazikitsidwa ku India ku 2016. Kuyambira pamenepo, yakula kutchuka chifukwa cha njira yake yoyambira komanso yofikirika yangongole. Makasitomala amatha kupeza ntchito zosiyanasiyana zachuma ndi zinthu pogwiritsa ntchito pulogalamu yapadera yotchedwa "RedCarpetX" yoperekedwa ndi kampaniyo.
Amadziwikanso chifukwa cha njira zomwe amakonda kwambiri makasitomala, chiwongola dzanja chambiri, komanso njira zobweza zomwe zingasinthe. Amapereka njira zosiyanasiyana zobwereketsa ndikuwongolera njira yofunsira ngongole.
Pokhala tsamba lodalirika, ndi njira yabwino kwambiri kwa aliyense amene akufuna kupeza ngongole mosavuta.
[Kuyenerera: zaka 18]
Mawonekedwe
- Kubwezeretsanso nthawi yomweyo malire a ngongole akangotha
- Kutha kuchotsa ndalama pogwiritsa ntchito khadi la RedCarpet pa ATM iliyonse
- Kutsata kosavuta kwa zolipirira ndikuwona ziganizo zatsatanetsatane zamakadi kudzera pa pulogalamu kapena tsamba lawebusayiti
- Pulogalamu ya RedCarpet imagwira ntchito ngati njira imodzi yokha yoyendetsera khadi lanu
- Zikumbutso zanthawi zonse zamasiku omwe akubwera
3. Navi
Navi ndi pulogalamu yoyang'anira zachuma yomwe imathandiza ogwiritsa ntchito kuwongolera ndalama zawo. Imakhala ndi zinthu monga kutsata ndalama, kukonza bajeti, kukhazikitsa zolinga zachuma, zikumbutso zamabilu, mphambu ngongole kuyang'anira, ndi kutsata ndalama.
Zimathandizanso ogwiritsa ntchito kuzindikira malo omwe angachepetse ndalama zomwe amawononga ndikupanga bwino zisankho zachuma. Kampaniyo yapereka ngongole zoposa 11000 crores. Navi ndi yaulere kutsitsa pamapulatifomu onse a iOS ndi Android ndipo imathandizira ogwiritsa ntchito aku India kuti azisamalira moyo wawo wazachuma.
[Kuyenerera- zaka 21]
Mawonekedwe
- 100% njira yofunsira ngongole ya digito yokhala ndi zolemba zochepa
- Njira yosavuta komanso yotetezeka, yosavuta kuyendamo
- Thandizo lamakasitomala likupezeka maola 24 patsiku, masiku 7 pa sabata
- Njira zobweza makonda zomwe mungabwezere ngongole, zomwe zimatha mpaka zaka 6
- Chiwongola dzanja chopikisana kuyambira 9.90% pa ngongole zandalama.
4. SlicePay
SlicePay ndi chiyambi cha Indian fintech chomwe chimapereka ndalama kwa ophunzira aku koleji. Bungweli limapereka ma kirediti kadi ndi ngongole zaumwini, ndalama zochokera ku EMI, komanso kulipira ngongole zothandizira ophunzira kupeza ngongole popanda chikole kapena mbiri yangongole.
Imayesa kuyenera kwa ngongole pogwiritsa ntchito ma aligorivimu eni ake ndipo imalumikizana ndi amalonda osiyanasiyana ndi nsanja za e-commerce. SlicePay idayamba mu 2015 ndipo ikufuna kupanga koleji kukhala yotsika mtengo. Zapeza ndalama kuti ziwonjezere ntchito komanso kufikira makasitomala ambiri.
[Kuyenerera- Zaka 18]
Mawonekedwe
- Kufikira mwachangu komanso kosavuta kubwereketsa mpaka ₹5 lakh
- Njira zobweza mpaka miyezi 12 kapena kubweza msanga kuti mupulumutse chiwongola dzanja
- Mtengo wobwereketsa kamodzi pa ngongole iliyonse yobwerekedwa
- Pezani mphotho za 2% pakugwiritsa ntchito makhadi
- Zero chiwongola dzanja ngati ngongoleyo yabwezedwa mkati mwa mwezi umodzi
- Chiwongola dzanja champikisano pa EMI, chokhala ndi 12-15% kwa nthawi yobweza ya miyezi 12.
5. Eduvanz
Eduvanz ndi pulogalamu yazachuma yaku India yomwe imayang'ana kwambiri popereka mayankho a ngongole za ophunzira. Amafuna kuti ndalama zopezera masukulu ndi ndalama zina zikhale zosavuta komanso zosavuta. Ntchito zina, monga izi, zimagwiritsa ntchito "mgwirizano wogawana ndalama" pomwe obwereka amabweza ngongoleyo monga gawo la ndalama zawo.
Amapereka ngongole zothandizira maphunziro osiyanasiyana monga maphunziro, zida zamaphunziro, ndi zida zamakompyuta. Apeza mbiri yopereka chiwongola dzanja chochepa komanso njira yofunsira mwachangu, yomwe imathandiza ophunzira kukwaniritsa zolinga zawo zamaphunziro.
Ponseponse, Eduvanz ndi njira yabwino kwambiri kwa ophunzira omwe akufuna njira yosinthika komanso yatsopano yopezera ndalama zamaphunziro awo.
[Kuyenerera- zaka 18 mpaka 60]
Mawonekedwe
- Makina owerengera mtengo wangongole
- Zosankha zokomera ophunzira komanso mayankho ogwirizana ndi maphunziro
- Chivomerezo pompopompo, 100% njira yapaintaneti popanda ndalama zobisika (ndalama zopangira 0% -5%)
- Chiwongola dzanja chochepa kutengera mbiri ya ophunzira
- Zosankha zobweza zosinthika.
6. LazyPay
LazyPay yaku India, yoyambira 2016, imapereka ngongole pa intaneti. Ndiwodziwika bwino popereka ngongole mwachangu komanso njira zosavuta zolipira. Amapereka zosankha zosavuta zolipira chifukwa chosavuta kugwiritsa ntchito komanso kulumikizana bwino ndi mabizinesi.
Anthu amakonda kubweza ngongole mwachangu papulatifomu komanso kupezeka kwangongole kosavuta, kotero ndizodziwika pakati pa makasitomala aku India. Pali ogwiritsa ntchito opitilira 6 crore. Amapereka zosankha zosiyanasiyana zobwereketsa, kuphatikiza ngongole zaumwini, ngongole zatchuthi, ndi zina.
LazyPay ndi chisankho chabwino kwambiri kwa aliyense amene akufunafuna njira yosavuta yopezera ngongole komanso bwenzi lodalirika lazachuma.
[Kuyenerera- Zaka 18]
Mawonekedwe
- Kubweza ngongole mkati mwa masekondi 90
- Malipiro abwino kwa masiku 15
- Palibe zolemba zenizeni zomwe zimafunikira komanso kuvomereza nthawi yomweyo
- Ngongole ya LazyPay itha kugwiritsidwa ntchito popanda intaneti komanso pa intaneti kudutsa mamiliyoni amalonda
- Mgwirizano wapadera ndi nsanja zosiyanasiyana monga Swiggy ndi Tomato, kupatsa makasitomala ma voucha owonjezera ndi zotsatsa
- Zosankha zosinthika kuyambira miyezi 3-24, kulola makasitomala kusankha njira yobwezera yomwe imawayendera bwino.
- Chiwongoladzanja chopikisana kuyambira 18% pachaka, kupita ku 32% pachaka, kutengera kuchuluka kwa ngongole ndi nthawi yakukhalapo.
7. PostPe
PostPe ndi nsanja yobwereketsa ya digito yomwe idakhazikitsidwa mu 2019, ku India yomwe imadziwika ndi njira yake yofunsira ngongole mwachangu komanso yosavuta. Amapereka ngongole popanda chikole, mizere yangongole, ndi zosankha zina, kutengera zosowa zanu.
Iwo ali ndi chidwi kwambiri popereka chithandizo chapadera kwa makasitomala. Mndandanda wawo wamtundu, "De Dena Aaram Se" womwe umatanthauza 'kulipira mukangofuna', ukuwonetsa cholinga chawo chopatsa makasitomala mphamvu pazachuma zawo.
Ndi mbiri yopereka mayankho angongole mwachangu komanso otetezeka, PostPe ndi njira yodalirika kwa omwe akufunika mayankho angongole pompopompo.
[Kuyenerera- zaka 21 mpaka 65]
Mawonekedwe
- Zosankha za EMI zomwe mungasinthire kuti mubwezere makonda anu
- Kugwiritsa ntchito ngongole ya PostPe pogula pa intaneti kapena m'sitolo
- Dashboard yapaintaneti yokhazikika pakutsata ngongole, ndalama, ndi ma EMI
- Ntchito yosavuta yosinthira ndalama posanthula nambala ya QR
- Mulingo wangongole wopanda chiwongola dzanja wofikira 10 Lakhs
- Chiwongola dzanja chapakati pa 24-36% pa nthawi ya ngongole kuyambira miyezi 3-6
8. mPoket
Mpokket ndi kampani yaukadaulo wazachuma yomwe imagwira ntchito popereka ngongole pompopompo kwa ophunzira aku koleji ku India. Cholinga chawo ndikupangitsa kuti ophunzira athe kupeza ngongole mosavuta, pogwiritsa ntchito mafoni awo komanso malo ochezera a pa Intaneti.
Limaperekanso kirediti kadi, yomwe ingagwiritsidwe ntchito pogula, kulipira mabilu, ndi kubweza. Mpokket idakhazikitsidwa mu 2017, ndi masomphenya opangitsa kuti ngongole ikhale yosavuta, yofikira kwa ophunzira.
Mpaka pano, mPokket yapeza makasitomala okhutitsidwa ndi 2 miliyoni + ndi nyenyezi 4+ pa Google Play.
[Kuyenerera- Zaka 18]
Mawonekedwe
- Njira yofunsira ngongole mwachangu komanso yosavuta
- Chiwongola dzanja champikisano, kuyambira pansi mpaka 3.5% pamwezi
- Kupeza ndalama mwachangu popanda kufunikira kwazinthu zanthawi yayitali za EMI
- Chisankho chodziwika pakati pa ophunzira cha mwayi wopeza ngongole
- Amapereka ma microloan oyambira otsika mpaka ₹500 mpaka ₹20,000, ndi njira zobweza mpaka miyezi inayi.
9. BadaBro
Badabro ndi wotchuka app ngongole ku India zomwe zimathandiza ophunzira okha. Amadziwa kuti zingakhale zovuta kupeza ngongole ngati wophunzira, ndipo amayesetsa kuti zikhale zosavuta. Pulogalamuyi imapereka njira zina zobwereketsa zosiyanasiyana komanso nthawi zobwezera zomwe zingasinthidwe kuti zigwirizane ndi zosowa za ophunzira.
Avomereza ngongole zopitilira 1 lakh, kuwonetsa kutchuka kwawo komanso kuchita bwino. Amapereka chiwongola dzanja chochepa komanso njira yosavuta, yomwe ndi yofunika kwa ophunzira omwe ali ndi mavuto a ndalama ndi ngongole kuti azilipira kusukulu.
Ponseponse, ndi njira yabwino kwambiri kwa ophunzira omwe akufunafuna ngongole yachangu komanso yosavuta.
[Kuyenerera- Zaka 18]
Mawonekedwe
- Malire angongole amphamvu kuyambira pa Rs. 1,000
- Pempho losavuta la ngongole pa intaneti, kusamutsa pompopompo
- Njira yovomerezera mwachangu pa intaneti
- Malipiro osinthika pakati pa masiku 61 mpaka 90
- Chiwongola dzanja cha 5% pamwezi
10. Mthumba
Pocketly ndi pulogalamu yangongole ku India yomwe imapereka mayankho angongole kwa achinyamata. Chizindikiro chawo ndi 'Credit for Young India', yomwe imayang'ana kwambiri kupereka mwayi wangongole kwa achinyamata omwe ali ndi mbiri yocheperako kapena omwe alibe mbiri yangongole. Pulogalamuyi ndiyosavuta kugwiritsa ntchito ndipo imapereka njira zingapo zangongole, kuphatikiza ngongole zaumwini, ngongole zapaulendo, ndi zina zambiri.
Ali ndi njira yofunsira mwachangu komanso yopanda msoko ndipo amapereka zobweza ngongole pompopompo kwa makasitomala oyenerera. Chimodzi mwazofunikira kwambiri ndikuti ili ndi zotsitsa zopitilira 1 miliyoni pa Google Play, zomwe zikuwonetsa kutchuka kwake pakati pa omvera achichepere.
Amadziwikanso ndi chiwongola dzanja chochepa, njira zosinthira zobweza, komanso njira yofikira makasitomala. Pazonse, Pocketly ndi njira yabwino kwa achinyamata aku India omwe akufunafuna ngongole yosavuta komanso yofikirika.
[Kuyenerera- Zaka 18]
Mawonekedwe
- 24/7 kupezeka kwa ngongole
- Pulogalamu yotumizira ndalama
- Kulembetsa mwachangu, kudina-kuwiri
- Zokumana nazo za KYC zopanda zovuta
- Chiwongola dzanja kuchokera 12-36% pachaka
- Malire angongole mpaka ₹10000 kutengera mbiri yobweza
- Zosankha za EMI zosinthika komanso kuthekera kotseka ngongole nthawi iliyonse
11. Zithunzi za StuCred
StuCred ndi pulogalamu yodziwika bwino yangongole pakati pa ophunzira ku India, yomwe imadzitamandira ndi anthu opitilira 3 lakh. Amapereka ngongole zosavuta komanso njira zobweza zosinthika. Amakhalanso ndi mawonekedwe apadera a Student Connect, kulumikiza ophunzira ndi alumni, anzawo, ndi akatswiri kuti awatsogolere zachuma.
StuCred ndi njira yabwino yothandizira ngongole komanso ndalama kwa ophunzira, yomwe ilinso ndi njira yosavuta yofunsira. Amakhalanso ndi chithandizo chamakasitomala odzipereka pa chithandizo chilichonse chomwe chikufunika panthawiyi.
[Kuyenerera- Zaka 18]
Mawonekedwe
- StuCred imapereka mwayi wopeza ngongole pompopompo pa chiwongola dzanja cha 0%.
- Ndalama imodzi yokha ya 6% ya ndalama zonse zomwe zabwerekedwa.
- Ndi makoleji opitilira 10,000 omwe adalembedwa, StuCred imapezeka kwambiri kwa ophunzira.
- Njira yovomerezera ngongole ndi yachangu komanso yothandiza, mukangomaliza ntchito ya KYC
- Ngongole yochepera yoperekedwa ndi StuCred ndi ₹1000
- Ndi kubweza ngongole mosasintha komanso munthawi yake, StuCred imakulitsa malire angongole mpaka ₹ 15,000
12. kreditbee
KreditBee, nsanja yotsogola yobwereketsa digito ku India, imapereka njira zingapo zangongole komanso mwayi wogwiritsa ntchito makasitomala ake. Ndi njira yachangu komanso yosavuta yofunsira, amapereka kubweza ngongole pompopompo kwa makasitomala oyenerera. Iwo ali ndi mwayi wofikira ndipo athandiza ambiri, monga momwe zasonyezedwera ndi kubweza kwawo ndalama zopitilira 30000 zangongole mpaka pano.
KreditBee imadziwika chifukwa cha njira yopezera makasitomala, chiwongola dzanja, komanso njira zosinthira zobweza. Ndi chisankho chabwino kwa iwo omwe akufunafuna ngongole yosavuta komanso yofikirika.
[Kuyenerera- Zaka 21]
Mawonekedwe
- Chiwongola dzanja chimayamba pa 1.02% pamwezi ndikukwera mpaka 2.49% pamwezi
- Kreditbee amagwiritsa ntchito nsanja yozikidwa pa AI kuti ayang'ane kuyenerera kwa ngongole, kutsimikizira kuti ngongole zimaperekedwa kwa oyenerera.
- Zosankha zangongole zomwe zilipo ndi zotsika mpaka ₹1,000 kufika ku ₹3 Lakhs
- Njira yofunsira ngongole ya Kreditbee ikupezeka 24/7, kutanthauza kuti mutha kulembetsa ngongole nthawi iliyonse.
- Njira yobweza ngongole ndiyofulumira, ndipo ndalama zimapezeka mkati mwa mphindi 10 kuchokera pakuvomera ngongole
- Ntchito ya Kreditbee ndi 100% pa intaneti, yokhala ndi zolemba zosavuta, komanso kubweza kwaulere
Top 3 Zosankha
Kuchepetsa kufufuza kwa mapulogalamu apamwamba a ngongole kwa ophunzira ku India sikunakhale kosavuta! Titawunika mosamala 12 mwa njira zabwino kwambiri, tazichepetsa mpaka pa mapulogalamu atatu apamwamba omwe akuyenera kukhala nawo.
Tiyeni tilowe mkati ndikuyerekeza mozama zisankho zapamwambazi
1. mPoket
ubwino:
- Mawonekedwe osavuta kugwiritsa ntchito amapangitsa kukhala kosavuta kuyenda ndikufunsira ngongole
- Makasitomala abwino omwe amakhala okonzeka nthawi zonse kuthandizira ndi mafunso kapena nkhawa
- Kuthandizira kuwonjezera tsiku loyenera, lomwe ndi losavuta kusintha kosayembekezereka pazachuma
kuipa:
- Malire otsika oyambira angongole, ndipo njira yowonjezerera ikhoza kukhala yocheperako
- Malipiro obisika anenedwa, ngakhale ang'onoang'ono
- Chiwongola dzanja chapamwamba cha ophunzira poyerekeza ndi mapulogalamu ena angongole.
- Kubweza ngongole kungatenge nthawi.
2. KreditBee
ubwino:
- Kubweza ngongole mwachangu zomwe zingakhale zothandiza pakagwa mwadzidzidzi
- Wosalala komanso wopangidwa bwino wogwiritsa ntchito
- Pamafunika zolemba zochepa, kupangitsa ntchito yofunsira kukhala yosavuta
- Chiwongola dzanja chokwanira pa ngongole
kuipa:
- Ntchito yotsimikizira ikhoza kutenga nthawi yayitali kuposa momwe amayembekezera
- Kuwunika kwa ngongole sikungakhale kothandiza
- Ndalama zolipirira ndizokwera kwambiri poyerekeza ndi mapulogalamu ena angongole
- Zothandizira makasitomala sizingakhale zokhutiritsa.
3. SlicePay
ubwino:
- Njira ya digito kwathunthu, kutha kufunikira kwa zolemba zakuthupi
- Zabwino pazadzidzidzi chifukwa zimapatsa ma kirediti kadi mkati mwa mphindi 10
- Chiwongola dzanja chochepa komanso osalipira zobisika
kuipa:
- Mawonekedwe ovuta amatha kukhala ovuta kuyenda
- Malipoti a chithandizo chamakasitomala osayankha mafunso pa nthawi yake
- Malire a ngongole achepa posachedwapa
- Kusinthasintha kochepa posankha nthawi ya ngongole.
Chigamulo chathu
Zikafika pakupeza pulogalamu yoyenera yangongole kwa ophunzira, zonse zimangoyesa zabwino ndi zoyipa. Ndipo zikafika kreditbee, ubwino wake umaposa kuipa!
Ndi ndalama zake zobweza ngongole zofulumira kwambiri, mawonekedwe ake osavuta kugwiritsa ntchito, komanso chiwongola dzanja chokwanira, ndiye ngwazi yomaliza ya 'thumba lazadzidzidzi'.
Mukufuna ndalama mwachangu? KreditbBee ili ndi nsana wanu.
Watopa ndi zolemba? Zolemba zochepa za KreditBee ndikusintha kolandirika.
Chiwongola dzanja chimakupangitsani kuti musangalale? Mitengo ya KreditBee ndi nyimbo m'makutu mwanu.
Zachidziwikire, palibe pulogalamu yomwe ili yabwino, koma Kreditbee ndiye woyenera kwambiri kwa ophunzira omwe ali ndi kubweza pompopompo komanso njira yosavuta yofunsira. Pangani KreditBee kukhala wamapiko anu m'dziko lazachuma la ophunzira.
Siyani Mumakonda