Fi.Money kapena kungoti Fi ndi imodzi mwama Neobanks oyamba kukhazikitsidwa ku India.
Ndi akaunti yakubanki yadijito yomwe imabwera ndi zinthu zambiri zamakono zomwe zimapangidwira anthu azaka chikwi ndi ogwiritsa ntchito a Generation Z.
Ndakhala ndikuyesa pulogalamu ya Fi Neobank pafupifupi milungu iwiri tsopano.
Ndipo nayi ndemanga yanga yonse ya Fi.Money. M'nkhaniyi, mupeza zonse zomwe muyenera kudziwa zokhudza Fi komanso ngati mungayambe kugwiritsa ntchito pulogalamu yawo yakubanki.
Kodi Fi.Money ndi chiyani?
Fi ndi neobank, zomwe zikutanthauza kuti simupeza nthambi yake yoti mulowemo. Ndizochitikira kwathunthu digito.
Kukhala Neobank kumatanthauzanso kuti Fi yokha si banki.
Fi adagwirizana ndi Federal Bank ndipo amagwiritsa ntchito zida zake kuti apereke chithandizo chandalama.
Federal Bank ndi komwe ndalama zanu zimayikidwa ndikuwongolera. Fi ndi mkhalapakati pakati pa inu ndi Federal Bank, kukupatsirani nsanja yabwinoko kuposa Federal Bank.
Popeza Fi si banki yokha, amatha kupangitsa kuti banki ya digito ikhale yosalala momwe angathere popanda kuda nkhawa ndi malamulo ndi zolipiritsa zosiyanasiyana.
Izi, komabe, sizikutanthauza kuti iwo sali otetezeka monga mabanki achikhalidwe. Fi amagwiritsa ntchito chitetezo chofanana cha banki kwa makasitomala awo. Mauthenga anu ndi obisidwa, otetezedwa ndi OTP, ndipo mutha kugwiritsa ntchito UPI limodzi ndi akaunti yanu ya Fi. Federal Bank imapatsanso mphamvu zochita za UPI kudzera pa pulogalamu ya Fi.
Mukupeza chilichonse chomwe mumapeza ndi mabanki achikhalidwe kupatula kupezeka kwenikweni. Palibe nthambi kapena oyang'anira oti akumane nawo pamasom'pamaso. Kwa ena, izi ndi zosokoneza, monga abambo anga. Koma kwa ife, m'badwo wa digito, timakonda kusayendera mabanki.
Ndipo palibe chifukwa choyendera banki pa chilichonse. Chifukwa chake kusankha akaunti yakubanki kuchokera ku Neobank ngati Fi ikhoza kukhala njira yabwinoko yopita kubanki.
Tiyeni tiwone zomwe Fi akupereka.
Kodi Fi.Money Imagwira Ntchito Motani?
Fi amakupatsirani akaunti yosungira ndalama za digito. Palibe mwayi wopeza akaunti yamakono kuyambira pano.
Ndi akaunti yosungira ziro.
Akaunti yanu yosungira imatsegulidwa ku Federal Bank. Chifukwa chake ngati muli ndi akaunti yosungira ndalama ku Federal Bank, mungafunike Re-KYC kuti mutsegule akaunti ya Fi savings.
Ndalama zanu muakaunti yanu ya Fi savings zimakupezerani chiwongola dzanja chofanana ndi chomwe Federal Bank imakupatsirani nthawi iliyonse. Kuyambira pano, ndi 2% pachaka.
Mutha kuyika ndalama muakaunti yanu yosungira ya Fi kudzera pa UPI, NEFT/RTGS/IMPS kapena kubanki yapaintaneti. Mumapeza kirediti kadi, mwayi wotsegula ma depositi okhazikika ndi ma depositi ang'onoang'ono anzeru pazolinga zenizeni pamoyo. Mumapeza cheke, njira ya Demand Draft, zonena zakuthupi zikafunika, ndi zina zambiri.
Njira yotsegulira akaunti ndi digito kwathunthu. Muyenera kutumiza chizindikiritso, adilesi ndi ID yamisonkho kuphatikizanso kanema wa KYC kuti musunge ndalama zopanda malire ku akaunti ndi Fi.
Fi imagwira ntchito ngati banki yachikhalidwe mwanjira iliyonse kupatula kukhalapo mwakuthupi. Palibe kusiyana kwakukulu pakati pa akaunti yanu yakubanki yanthawi zonse ndi Fi amavomereza zinthu ziwiri:
- Fi si banki yokha. Chifukwa chake sichili ndi udindo pa chilichonse chokhudza ndalama zanu. Banki yothandizana nayo, yomwe ndi Federal Bank pankhaniyi ikuwongolera ndalama zanu.
- Simungasangalale ndi zinthu zina monga Lockers, Cash Deposits, ndi In-Person kasitomala thandizo.
Fi imabwera ndi zinthu zambiri. Kuposa Neobank ina iliyonse yomwe ikuyenera kupereka pakadali pano.
Tiyeni tiwone mbali iliyonse ya Fi imabwera ndi momwe ingakuthandizireni kusunga ndikupeza zambiri pazomwe mumabanki.
Fi Save - Smart Deposit
Smart Deposits ndi njira yopulumutsira ndalama pazifukwa zinazake ndi zochitika zomwe mungakhale mukukonzekera. Mwachitsanzo, kusunga ndalama zogulira mphatso yatsopano pa Diwali kapena zina zotero. Mwina ntchito.
Fi imakupatsani mwayi wosankha kuchokera kuzinthu zina zanzeru zomwe zidapangidwa kale (zolinga zatsopano zimawonjezeredwa nthawi ndi nthawi). Kapena mutha kupanga yatsopano, ndikusintha kuchuluka kwa zolinga, nthawi ndi chiwongola dzanja.
Izi si ndalama zosungidwiratu kapena ndalama zobwerezedwa. Mutha kuwonjezera kapena kuchotsa ndalama ku akaunti yanu yanzeru nthawi iliyonse yomwe mukufuna.
FIT Malamulo a Smart Deposit
Fi ilinso ndi gawo lotchedwa FIT malamulo.
Kodi malamulo a FIT amachita chiyani kwenikweni?
Pogwiritsa ntchito malamulo a FIT, mutha kutanthauzira zokha zochita mu akaunti yanu ya Fi. Monga kuyika INR 1000 Lolemba lililonse basi muakaunti yanzeru yosungira zomwe mungasankhe.
Palinso malamulo osangalatsa a FIT a nyengo, monga "Ronaldo akagoletsa chigoli, ikani pambali INR 200". Inde, mukhoza kusintha lamuloli, ndikusintha Ronaldo kwa munthu wina, komanso kusintha ndalama kuti muyike pambali.
Zochita zimatha kuyambitsanso malamulo oyenera. Lamulo limodzi la FIT lidzakhala "Ikani pambali INR 10 nthawi iliyonse mukayitanitsa china kuchokera ku Amazon".
Malamulo ang'onoang'onowa adzakuthandizani kusunga ndalama ndikukulitsa akaunti yaing'ono yosungira ndalama mosasamala.
Phindu lokhala ndi makina oterowo ndikuti simuyenera kuyika ndalama muakaunti yamadipoziti anzeru, chifukwa chake kukhala waulesi kapena kuiwala sikungakhudze. Ndi madzi, kotero inu mukhoza kukhala opanda nkhawa. Ndalama zanu sizimayimitsidwa mwanjira iliyonse.
Fi Money Plant - Mphotho System
Chimodzi mwazokopa zazikulu zomwe Neobank ali nazo ndi mphotho. Mabanki monga SBI, HDFC, kapena Kotak, omwe amati amangidwira m'badwo wamakono, sapereka mphoto kubanki nawo kwambiri komanso m'njira yomwe imapangitsa kasitomala kumva bwino.
Neobanks ngati Fi, amachita mosiyana.
Fi ili ndi njira yolipira pomwe mumapeza ndalama za Fi Coins pazochita zinazake mukalembetsa koyamba ndikusunga ndalama zanu.
Izi ndi zomwe ndimakonda za Fi. Mosiyana Jupiter, Neobank ina, yomwe imakupatsirani mphotho chifukwa chowononga ndalama, Fi amakupatsirani chifukwa cha zizolowezi zabwino zachuma monga kusunga ndalama zanu.
Mphotho zimabwera ngati chomera chandalama. Zomwe zimakula mukadina pa iwo ndipo mumalipidwa ndi ndalama za Fi.
Mutha kuwombola ndalama za Fi ngati ma voucha amasamba osiyanasiyana ogula pa intaneti monga Amazon. Mumalandiranso mphotho zandalama kutengera zomwe zaperekedwa ndi Fi nthawi iliyonse.
Pali zotsatsa zambiri zanyengo zomwe zimabwera ndi mwayi wopeza mafidi onse a Fi ndi mphotho zandalama.
Madipoziti Okhazikika
Mukufuna kuyika ndalama kuti musagwiritse ntchito zinthu zomwe simukuzifuna? Fi imaperekanso ma Fixed Deposits.
Monga akaunti yanu yosungira, izi zimayendetsedwanso ndikuyendetsedwa ndi Federal Bank.
Ma FD awa nawonso satopetsa. Mutha kusintha dzina la depositi yanu yokhazikika kuti ligwirizane ndi cholinga chanu ndikuchotsa nthawi iliyonse yomwe mukufuna. Popanda mlandu uliwonse kapena zilango.
Chiwongola dzanja pa ma FD awa chimachokera pa 2.50% mpaka 5.60%. Kutengera nthawi ya FD yanu (chaka chimodzi mpaka zaka 1), chiwongola dzanjacho chimasiyana.
Monga nthawi zonse, gwiritsani ntchito ma FD awa kuti mutseke ndalama zomwe mukufuna kugwiritsa ntchito pazinthu zofunika mtsogolo. Osati ngati chida chopangira chuma. M'malingaliro anga, musaike ndalama zanu mu FD konse, pokhapokha ngati ndizosunga msonkho kapena kupeza chitetezo chanu choyamba. ngongole kukonza kapena kupanga ngongole yanu.
Ubwino wa Fi Debit Card
Izi ndi zomwe ndimasangalala nazo kwambiri. FI siyilipiritsa chindapusa cha forex pazochitika zapadziko lonse lapansi. Mutha kugwiritsa ntchito khadi yanu ya Fi polembetsa ku USD popanda kulipira zina zowonjezera.
Mukamagwiritsa ntchito $300+ mwezi uliwonse, mumasunga zambiri mukakhala mulibe ndalama zolipiritsa. Nthawi zambiri amakhala pafupifupi 3.5%.
Kuphatikiza apo, zoperekedwa zomwe zimagwira ntchito pamakhadi obwereketsa a Federal Bank zimapezekanso kwa eni ma kirediti kadi a Fi. Dziwani kuti khadi yobwereketsa ya Jupiter simabwera ndi zotsatsa ndi zopindulitsa zomwezo.
Khadi la debit la Fi limabwera ndi maubwino ena a VISA. Kuphatikizapo PayWave.
Mutha kusintha malire amalonda, kuyimitsa khadi, kapena kuletsa khadi kwamuyaya ndikudina kamodzi. Khadi la debit limabwera kwaulere ndi akaunti yanu ya Fi savings ndipo ngati mwataya, mudzalandira ina kwaulere. Palibe mtengo woperekanso khadi koyamba.
Fi imaperekanso zotsatsa zokhazikika pamakadi ake a debit. Mutha kuchotsera pamapulatifomu osiyanasiyana a e-commerce ndi ntchito zapaintaneti kudzera muzopereka zapadera za Fi. Izi ndizosiyana komanso sizingoperekedwa ku Federal Bank zopereka.
Wothandizira Wodalirika
Ndi Fi smart Assistant mumapeza chidziwitso chambiri pazachuma chanu.
Kodi ichi chimagwira ntchito bwanji?
Fi ilumikizana ndi akaunti yanu ya Gmail ndikusanthula maimelo anu okhudzana ndi malonda a e-commerce ndi zochitika zina pa intaneti. Kuchita izi, kumathandizira Fi kubweretsa zotsatira zamafunso ngati "Ndawononga ndalama zingati ku Amazon"?
Kungofunsa "Amazon Spends" kungagwirenso ntchito:
Ndimagwiritsa ntchito akaunti yosiyana pazachuma komanso kugula zinthu. Chifukwa chake kulumikiza akaunti yanga ya Gmail ndi Fi sikuyika zinsinsi zanga pachiwopsezo. Muyenera kuwonetsetsa kuti simukulumikiza akaunti yanu ya Gmail yantchito kapena bizinesi ndi pulogalamu iliyonse pokhapokha mutakhala ndi chidaliro chonse.
Wothandizira wanzeru uyu akuwonetsanso zolembetsa zilizonse, zolipira, zomwe zikubwera, ndi zina zambiri.
Kodi Muyenera Kukutsegulirani Akaunti Yosungirako Fi?
Ili ndi funso lofunikira, makamaka ngati mukuganizira neobank ina yomwe ili ndi Federal Bank ngati mnzake. Monga Jupiter.
Mukatsegula akaunti ndi Fi, simungathe kutsegula akaunti ndi Jupiter osapanganso KYC ndi Federal Bank.
Ndinavotera Fi ngati #1 neobank pamndandanda wanga.
Ndimaona kuti ndiyabwino kwambiri kuposa Jupiter pankhani ya UI, mawonekedwe ake ndi mapindu akubanki.
Komabe, gulu lothandizira la Fi ndilochedwa kwambiri. Imachedwa kwambiri poyerekeza ndi Jupiter, yomwe ili ndi forum yawoyawo.
Muyenera kuzindikira chomwe chikuphwanya mgwirizano wanu. Ngati sikuli kanthu koma kuthandizira, Fi ndi neobank yabwino ndipo mutha kukonda kutsegula akaunti yanu yosungira nawo.
Ngati mukufuna kudziwa zambiri zamabanki, wothandizira wanzeru wa AI kuti mupeze mwachangu zotuluka, mabilu, ndi zidziwitso zina zomwe mukufuna, komanso chidziwitso chamkati mwa pulogalamu, muyenera yesani Fi.
Kodi mumagwiritsa ntchito Fi?
Ndidziwitseni momwe zinachitikira kapena mafunso aliwonse mu ndemanga.
Abirata Chaliha
Ndayamba kugwiritsa ntchito Fi - pulogalamu yakubanki yanzeru yomwe imandithandiza kusunga ndi kukulitsa ndalama zanga. Ndimakonda zonse!