Kupanga zisankho zanzeru zomwe zingakhudze tsogolo lanu lazachuma kumafuna kuti musankhe njira yoyenera yopangira ndalama. Pulatifomu yabwino ikupatsirani njira zingapo zopangira ndalama, zida zosavuta, ndi upangiri waukadaulo wokuthandizani kukwaniritsa zolinga zanu zogulitsa.
Pomwe, pulogalamu yosatheka kupangitsa kuti muphonye mwayi komanso mtengo wokwera zomwe zingawononge mbiri yanu kwambiri.
Kuti tikuthandizeni kupanga chisankho chophunzitsidwa bwino, tifanizira nsanja ziwiri zomwe zimakonda kwambiri ku India, Kuvera, ndi Kukula, mu positiyi.
Mudzatha kusankha nsanja yoyika ndalama yomwe ikugwirizana bwino ndi zomwe mukufuna ndi zolinga zanu ngati muwunika mawonekedwe, ndalama, ndi ntchito zamakasitomala zomwe zimaperekedwa ndi nsanja iliyonse.
I. Ndondomeko
Kuvera
Kuvera ndi nsanja ya upangiri wa robo yomwe idakhazikitsidwa mu 2016 ndi Gaurav Rastogi ndi Neelabh Sanyal, yoyendetsedwa ndi Arevuk Advisory Services Pvt. Ltd. ku Bangalore, India.
Pulatifomuyi imapereka makonzedwe azachuma komanso ntchito zoyika ndalama kuti athe kupeza demokalase kupeza upangiri wapamwamba kwambiri wazachuma pogwiritsa ntchito ukadaulo. Kuvera imathandizidwa ndi Eight Roads Ventures, kampani yogulitsa ndalama padziko lonse lapansi yomwe yathandizira makampani ambiri otsogola, omwe akukula kwambiri.
Pulatifomuyi imapereka malingaliro amunthu payekhapayekha potengera zomwe wogwiritsa ntchito ali pachiwopsezo komanso zolinga zazachuma, kuphatikiza ndalama, masheya, ndi golide wa digito. Kuphatikiza apo, Kuvera adagwirizana nawo Vested Finance kuti athandize ogwiritsa ntchito kuyika ndalama m'masheya aku US ndi ETFs.
Kuyang'ana kwake paukadaulo, mitengo yotsika mtengo, komanso luso la ogwiritsa ntchito kwapangitsa kuti ikhale chisankho chodziwika bwino pakati pa osunga ndalama aku India omwe akufunafuna njira yosavuta yopezera ndalama komanso ndalama.
Kukula
Kukula ndi nsanja yogulitsira yomwe idakhazikitsidwa mu 2017 ndi Lalit Keshre, Harsh Jain, Ishan Bansal, ndi Neeraj Singh. Pulatifomu ili ndi ofesi yake yayikulu ku Bangalore, Karnataka, ndipo imapereka zosankha zingapo zandalama, monga ndalama zachindunji komanso kugulitsa masheya.
Groww idayamba ngati njira yogawa thumba lachindunji mu 2017 ndipo idatchuka mwachangu, ndikukhala imodzi mwamapulatifomu odziwika bwino a mutual fund m'dziko mkati mwa chaka chimodzi.
Chaka chomwecho, idakhazikitsa golide wa digito, ETFs, malonda a intraday, ndi ma IPO, ndikupereka njira zambiri zopezera ndalama kwa ogwiritsa ntchito. Masiku ano, Groww ali ndi makasitomala opitilira 40 miliyoni komanso pafupifupi 4.5.
Otsatsa ndalama ngati Sequoia, Ribbit Capital, ndi Microsoft CEO Satya Nadella amathandizira, kuwonetsa chikhulupiriro chawo chachikulu pakutha kwawo kukula kwamtsogolo.
II. Mawonekedwe
Kuvera
(i) Zida Zachuma ndi Ma Calculator
Kuti athandize makasitomala pokonzekera zachuma komanso zisankho zawo zachuma, Kuvera amapereka zida zosiyanasiyana zachuma ndi zowerengera. Chowerengera cha SIP, chowerengera ndalama zambiri, chowerengera cha FD, chowerengera cha PPF, ndi zowerengera zina zambiri zodziwika ndi zochepa chabe mwa zopereka za Kuvera.
Ogwiritsa ntchito ma Calculator awa angayerekezere phindu lawo la ndalama, kumvetsetsa momwe kukwera kwa mitengo kumakhudzira mabizinesi awo, ndikukonzekera zolinga zawo zachuma moyenera. Zowerengera izi zimathandiza ogwiritsa ntchito kukwaniritsa zolinga zawo zachuma mosavuta ndikupanga zisankho zophunzitsidwa bwino pakuyika ndalama.
(ii) US Stock Investing
Kupyolera mu mgwirizano wake ndi Kuyesedwa, Kuvera imapatsa makasitomala ake mwayi wopanga ndalama kumakampani aku US. Ndi ndalama zochepa zomwe zimafunikira $ 10 yokha, ntchitoyi imathandizira makasitomala kusangalala ndi msika wa US equity wopanda ntchito.
The US stock investing ntchito pa Kuvera imapatsa makasitomala njira zingapo zogulira ndalama, ndi mwayi wopeza makampani opitilira 1000 ndi ma ETF. Ogwiritsa ntchito atha kumaliza KYC mwachangu komanso mosavuta chifukwa kukhazikitsa ndi kumaliza kumangotenga mphindi zisanu.
Ogwiritsa ntchito amatha kusinthiratu ndalama zawo mwachangu ndikugwiritsa ntchito mwayi woperekedwa ndi US stock market mothandizidwa ndi utumiki uwu.
(iii)Kukhazikitsa Zolinga
Kupambana pazachuma kumadalira kukhala ndi cholinga chenicheni cha ndalama zanu ndi ndalama zanu.
Mutha kufotokoza zolinga zanu zachuma ndikupanga dongosolo lapadera lazachuma pogwiritsa ntchito ntchito ya Kuvera ya "Ikani Cholinga Chanu". Kuvera adzakufunsani mafunso angapo kuti mupange dongosolo lomwe lingagwirizane ndi vuto lanu, kaya mukusunga ndalama zopuma pantchito, maphunziro a mwana, kapena kulipira pakhomo.
Dziwani kuchuluka kwa ndalama zomwe muyenera kusunga, kutalika kwa ndalama zomwe mwagulitsa, komanso kulekerera kwanu pachiwopsezo pogwiritsa ntchito chida cha "Ikani Cholinga Chanu". Njira yanu yoyendetsera ndalama idzasinthidwa ndi Kuvera kutengera mayankho anu ndi zolinga zanu, momwe mungasungire ndalama, komanso momwe mungasungire ndalama.
Mothandizidwa ndi chida ichi, mutha kuyika ndalama molimba mtima podziwa kuti ndalama zanu zikugwirizana ndi zolinga zanu.
(iv) Akaunti Yophatikiza
Otsatsa atha kuyang'anira maakaunti a mabanja awo pamalo amodzi ndi Kuvera's Joint Account function. Zimapangitsa kukhala kosavuta kulinganiza ndi kusamalira chuma chabanja popereka chithandizo chofanana ndi ndalama zomwe zili pansi pa chizindikiro chomwecho.
Chida ichi chimapangitsa kukhala kosavuta kutsata ndikuwongolera magawo osiyanasiyana azachuma, zomwe zimapangitsa kuti zikhale zothandiza makamaka kwa mabanja omwe akufuna kusamalira ndalama zawo limodzi. Otsatsa atha kungoyang'anira ndikuyang'anira mabizinesi awo ndi Kuvera's Joint Account ndikuwonetsetsa kuti akugwirizana ndi zolinga zachuma za mabanja awo.
Ntchitoyi ikuwonetsa kudzipereka kwa Kuvera kupatsa makasitomala njira zotsogola komanso zothandiza pakuyika ndalama.
(v)Smart Save Feature
Smart Save ntchito ya Kuvera idapangidwira ogwiritsa ntchito omwe amakonda mabizinesi omwe ali pachiwopsezo chochepa komanso mwayi wopeza ndalama. Ntchitoyi imapereka zosankha zogulira ndalama zamadzimadzi kuti ziwononge ndalama zosayembekezereka. Ndichisankho cholunjika komanso chachangu chomwe mungathe kuchotsa mpaka 2 lakhs kapena 90% yazinthu zanu mumphindi 30.
Ndalama zamadzimadzizi ndi njira yabwinoko kuposa maakaunti osungira ndalama popeza apereka ndalama zolemekezeka pachaka pafupifupi 5% pazaka zitatu zapitazi. Chifukwa chake, Smart Save ndiye chinthu choyenera kwa inu ngati mukufuna kusankha ndalama zomwe zili pachiwopsezo chochepa chomwe chimakupatsani mwayi wopeza ndalama komanso kubweza ulemu.
Kukula
(i) Equity ndi Mutual Fund Investment
Kwa osunga ndalama aku India pawokha, Grow ndi pulogalamu yodziwika bwino yosungitsa ndalama yomwe imapereka ma equity osiyanasiyana komanso njira zina zogwirira ntchito limodzi. Chifukwa cha mapangidwe ake osavuta kugwiritsa ntchito komanso njira zingapo zopangira ndalama, ndi imodzi mwamapulogalamu omwe amagwiritsidwa ntchito kwambiri pakuyika ndalama za SIP.
Pulogalamuyi imapereka mwayi wosavuta kuzida zingapo zama equity, kuphatikiza zam'tsogolo, zosankha, ndi malonda a intraday. Kuphatikiza apo, Groww imapereka ndalama zambiri zomwe zimagwirizana, kuphatikiza ndalama zopulumutsira misonkho komanso ndalama zazikulu, kapu yaying'ono, ndi ma hybrid mutual funds.
Pofuna kupewa osunga ndalama kuti asaphonye magawo awo, pulogalamuyo imatumizanso mauthenga ndi zikumbutso pafupipafupi. Groww yadzikhazikitsa yokha ngati pulogalamu yoyendetsera ndalama kwa osunga ndalama ambiri ku India chifukwa cha mawonekedwe ake osavuta kugwiritsa ntchito komanso mwayi wopeza ndalama zambiri.
(ii) US Equity
Otsatsa ndalama aku India akukondera kwambiri kuyika ndalama ku US equities. Groww amadziwa izi ndipo amapereka mwayi wopeza ndalama za US, kuphatikizapo malonda odziwika bwino monga makampani a FAANG ndi ma index monga S&P 500, kwa ogula ake.
Ngakhale osunga ndalama ena amawona kuyika ndalama muzinthu zaku US kukhala zotsika mtengo, Grow imapereka ndalama zogawana pang'ono, zomwe zimathandiza ogwiritsa ntchito kugula gawo lagawo popanda kulipira gawo lonse.
Kuphatikiza apo, kugulitsa magawo pang'onopang'ono kulibe ndalama zowonjezera, zomwe zimapangitsa kuti ikhale njira yabwino kwa osunga ndalama aku India kuti apeze misika yaku US. Ogwiritsa ntchito atha kusinthiratu ma portfolio awo mosavutikira ndikulandila misika yapadziko lonse lapansi ndi Groww.
(iii)Ma calculator
Ngakhale simuli katswiri pazachuma, aliyense atha kugwiritsa ntchito ndikupeza zowerengera zachuma zoperekedwa ndi Groww.
Zowerengera izi zimakupatsirani chithunzi cholondola komanso chokwanira cha mbiri yanu yazachuma ndikukuthandizani kuti mupange zisankho zanzeru. Mutha kuyang'anira zolinga zanu zachuma, kusamalira ndalama zanu moyenera, ndikukhala pamwamba pa ndalama zanu pogwiritsa ntchito zowerengera zachuma za Groww.
Ma calculator awa amakulolani kuti muwone zotsatira za zochitika zosiyanasiyana zoyika ndalama ndikusintha mapulani anu kuti mupeze zotsatira zomwe mukufuna.
(iv)Katanthauzo ka Zachuma Chamunthu
Iwo omwe ndiatsopano pazachuma komanso zachuma atha kupindula kwambiri kuchokera ku glossary yazachuma ya Grow. Zimapangitsa kukhala kosavuta kuyendetsa dziko lazachuma popatsa ogula matanthauzo a mawu ovuta kumvetsa azachuma.
Ogwiritsa ntchito ntchitoyi amatha kumvetsetsa bwino mawu azachuma ndikupanga zisankho zophunzitsidwa bwino za ndalama.
Lexicon ya Groww imasinthidwanso nthawi zambiri kuti iwonetse zomwe zachitika posachedwa pamakampani azachuma. Dikishonale yazachuma ya Groww ikhoza kukhala chida chothandizira kwa inu, kaya ndinu wophunzira kapena wochita bizinesi yodziwa zambiri.
(v) ma IPO
Kampani imapanga ndalama kudzera muzopereka zaboma zoyamba, kapena IPO, momwe magawo ake amaperekedwa kwa anthu wamba. Groww imathandizira osunga ndalama kutenga nawo gawo mu ma IPO a mabizinesi omwe akubwera ndikuwonetsa zomwe angathe kuchita pachitukuko.
Imapereka mwayi kwa osunga ndalama kuti alembetse nawo magawo pazopereka zawo zoyambira komanso kufalitsa zambiri zama IPO omwe akubwera. Otsatsa atha kulembetsa mwachangu ma IPO pa intaneti ndikuwunika momwe amachitira ndalama zenizeni ndi Groww.
Mothandizidwa ndi izi, osunga ndalama ali ndi mwayi wopezera ndalama mabizinesi anzeru komanso odalirika kuti athe kupindula pambuyo pake.
III. Malipiro ndi Malipiro
Kuvera
Kupatula chiwongola dzanja chomwe chimaperekedwa ndi thumba linalake, Kuvera ndi nsanja yaulere yomwe imapereka mwayi wopeza ndalama zambiri popanda ndalama zowonjezera kapena za AMC. Palibe malipiro a ntchito chifukwa malowa amangopereka ndondomeko zachindunji.
Zomwe zili m'nkhaniyi zonse zilipo kuti mufufuze kwaulere. Kuyika ndalama m'masheya aku US, Kuvera adagwirizana ndi Vested.
Woperekedwa amalipira $399 mtengo wokhazikitsa akaunti kamodzi kuti atsegule akaunti yaku US. Komabe, kugula kapena kugulitsa masheya kapena ma ETF pa Vested ndi kwaulere.
Kukula
Ndalama za Groww zokha. 20 kapena 0.05% ya mtengo wonse wamalonda, zilizonse zazing'ono, molingana ndi njira yowongoka komanso yowonekera bwino yamitengo. Otsatsa ayenera, komabe, kulipira ndalama zowonjezera, zowongolera, ndi Demat pamwamba pa brokerage.
Groww imaperekanso chowerengera chothandiza chomwe chimawonetsa ndalama zomwe ogula masheya amayenera kulipira, kuphatikiza STT, ndalama zosinthira, ndalama za SEBI, GST, ndi Stamp duty. Kwa osunga ndalama, kuyambitsa akaunti ndi Groww ndikosavuta chifukwa palibe khwekhwe kapena chindapusa chopitilira.
IV. Thandizo la Makasitomala
Kuvera
Mutha kulumikizana ndi gulu lothandizira la Kuvera m'njira zingapo chifukwa ali ndi chithandizo chabwino kwambiri chamakasitomala. Chatbot yoyendetsedwa ndi AI patsamba lino imatha kukuthandizani ndi mafunso ndi zovuta zosiyanasiyana.
Mutha kutumiza tikiti patsambalo kapena kutumiza imelo kwa [imelo ndiotetezedwa] ngati funso lanu ndi lovuta kwambiri. Ayimbireni pa 08618076010 ngati mukufuna kulankhula ndi wina mwachindunji.
Kuvera imawonetsetsa kuti ogula ake amapeza makasitomala mwachangu komanso odalirika popereka zosankha zingapo.
Kukula
Pofuna kuthandiza ogwiritsa ntchito mafunso kapena zovuta zilizonse, Grow imapereka zosankha zosiyanasiyana zamakasitomala. Ogwiritsa ntchito amatha kukweza matikiti pazinthu zosiyanasiyana popita kumalo othandizira pulogalamuyi. Kuphatikiza apo, Kukula kumatha kulumikizidwa kudzera pa foni pa +91-9108800604 kapena imelo pa [imelo ndiotetezedwa].
Ogwiritsa ntchito amalandira chithandizo chachangu kuchokera kwa ogwira ntchito odziwa komanso othandiza. Groww imapereka njira zina zothandizira makasitomala amphamvu kuti zitsimikizire njira yosavuta komanso yopanda mavuto.
V. Ubwino ndi Kuipa
Kuvera
Ubwino wa Kuvera:
- Njira yoyendetsera ndalama zaulere
- Chiwonetsero chosavuta kumva chokhala ndi ma graph ndi ma chart
- Njira yoyika ndalama mu golide wa digito
- Thandizo la makasitomala abwino
Ubwino wa Kuvera:
- Mawonekedwe amatha kukhala ovuta kwa ogwiritsa ntchito ena
- Njira yayitali ya KYC
- Kuyerekeza kwa mutual fund sikothandiza kwambiri
Kukula
Ubwino wa Kukula:
- Ndalama zotsegula ndi kukonza akaunti ziro
- Amapereka mwayi wogulitsa IPO
- Njira yotsegulira akaunti yopanda mapepala
- UI wosavuta kugwiritsa ntchito
Ubwino wa Kukula:
- Palibe kasamalidwe ka ndalama kapena kutsatira
- Zida zogulitsira zochepa zomwe zilipo, monga kusakhalapo kwa malonda ndi kugulitsa ndalama
- Osati zabwino nsomba zamalonda popeza ilibe zida zapamwamba monga GTT, AMO, ndi zina.
- Palibe maupangiri ngati pano
- Thandizo la foni silinafike pachimake
VI. Mapeto
Onse a Grow ndi Kuvera ndi nsanja zabwino kwambiri zomwe zimatha kukwaniritsa zofunikira zosiyanasiyana zamalonda. Mofanana ndi kusankha pakati pa chokoleti ndi vanila ayisikilimu, zomwe ziri zabwino mwanjira iliyonse, chisankho pamapeto pake chimatengera kusankha kwanu.
Kukula ndi njira yopitira ngati ndinu watsopano kufunafuna chida chothandizira kugwiritsa ntchito ndalama. Komabe, Kuvera ikhoza kukhala njira yabwinoko ngati ndinu wodziwa bwino ntchito yogulitsa ndalama mukuyang'ana njira yoyendetsera ndalama zonse zomwe zili ndi makasitomala apamwamba kwambiri.
Koma m’malo mongosankha imodzi yokha, bwanji osawafotokozera onse awiri?
Kukongola kwa ndalama ndikuti palibe njira imodzi, yothandiza ponseponse. Choncho pitirizani kuyesa zinthu zatsopano; simudziwa, mutha kupeza mtundu watsopano wandalama womwe simumadziwa kuti ulipo!
Siyani Mumakonda