Ndi angati a inu amene anauzidwa ndi makolo anu kuti apite ku banki kukaika ndalama mu akaunti yanu yakubanki?
Inde, ndikukumvani mukuti "chifukwa chiyani?".
Ukadaulo ndi zopangapanga zamabanki zasintha miyoyo yathu ndipo zonse zikugwedeza maiko azandalama ndiukadaulo, kulongosolanso momwe timalumikizirana wina ndi mnzake pazachuma.
Ndipo izo sizinayambe nkomwe.
Mabanki ndi mabungwe azachuma akukonzekera m'badwo wotsatira wamakasitomala a digito potengera matekinoloje atsopano, monga AI, kuphunzira pamakina, blockchain, ndi ma chatbots.
Pachifukwa ichi, akugwirizana ndi oyambitsa FinTech kuti afufuze njira zatsopano zopititsira patsogolo luso la kasitomala.
M'nkhaniyi, ndiwunikanso zinthu zonse zoperekedwa ndi Niyo Solutions Inc. - Fintech yotsogola ku India, yomwe ikupangitsa kubanki kukhala kosavuta komanso kwanzeru poyika akaunti yanu yakubanki, ndalama zogulira, ndi makhadi olipira pamalo amodzi.
About Niyo
Chaka choyamba: 2015
oyambitsa: Vinay Bagri ndi Virender Singh Bisht
Top Investors: Tencent, Social Capital, Horizon Ventures, Prime Ventures Partners, ndi JS Capital
Nambala ya Makasitomala: Makasitomala Opitilira 1.5 Miliyoni
Zamgululi: NdiyoX, Niyo Global, Ndiyo Bharat, Ndiyo Money
Ndayang'ana zinthu zonse zodabwitsa kuchokera ku Niyo.
Nayi ndemanga yanga ya Niyo ndi NiyoX kuphatikiza zinthu zina za fintech zomwe amapereka.
NdiyoX (Yemwe amadziwikanso kuti NiyoX-Equitas)
Monga zaka chikwi ndekha, ndikudziwa momwe zingakwiyire mukafuna kutsegula akaunti yakubanki, koma muyenera kusankha kupita kunthambi yakubanki nokha kapena kugwiritsa ntchito pulogalamu yamafoni yoyenda pang'onopang'ono.
Sitikusangalala ndi njira zamabanki. Timadandaula kuti ndiyokwera mtengo kwambiri, yochedwa kwambiri, ndipo ilibe njira zokwanira zokwanira.
Niyo adagwirizana ndi Equitas Small Finance Bank kuti apange NiyoX - ndi Neobank.
NiyoX ikuyesera kuthetsa mavutowa popereka akaunti ya 2-in-1 Neobank yomwe imasamalira zonse zomwe mwasunga komanso zomwe mwagulitsa.
Imakupatsirani Akaunti Yakubanki yokhala ndi zero komishoni mwagwirizana ndalama ndi chiwongola dzanja chofikira 7% pachaka pazosunga.
Nazi zabwino kwambiri mu Akaunti ya NiyoX:
- Mupeza Zero Balance Savings Account ('palibe kukonza ndalama zochepa')
- Simudzayenera kulipira mtundu uliwonse wa ntchito mukagula Direct Mutual Funds kudzera mu NiyoX ('0% Commission on Mutual Funds')
- Mumapeza Chiwongola dzanja cha 7% * pa Zosunga zanu
* 3.5% mpaka Rs 1lac,
6% kuposa Rs. 1lac mpaka Rs. 5 zaka,
7% kuposa Rs. 5lacs mpaka Rs. 50 lacs,
5.5% kuposa Rs. 50 lacs
- Chimodzi mwazinthu zapadera zomwe ndimakonda kwambiri ndikuti mutha kusankha mapangidwe pa Debit Card yanu yomwe ikugwirizana ndi Persona wanu.
- Mutha kusankha kuyika ndalama zosintha nthawi zonse mukamagwiritsa ntchito. Dongosololi limangoyika ndalama zosinthazo zikafika pa Rs. 100/-
- Imapereka inshuwaransi yofikira ₹ 5 Lakh yoperekedwa ndi DICGC, kampani yothandizidwa ndi RBI.
- Mutha Kutseka / Kutsegula khadi lanu kapena Khazikitsani / Bwezeretsani PIN ya Khadi lanu nokha kudzera pa App.
- Chinthu chinanso chatsopano ndichakuti mutha kubisa ndalama zanu pazenera mu Mobile App ndi dzanja lanu.
- NiyoX App imabwera ndi Equinox Reward Program ndipo mutha kupezanso mphotho potumizira anzanu.
Zina ziwiri zosangalatsa zomwe zikubwera posachedwa ndi:
- Mutha kuyitanitsa ndikutsata mbiri yanu yonse ya Mutual Fund mosavuta kuchokera ku portal imodzi monga NiyoX.
- Mutha kuyika ndalama mu FD ndikupeza Chiwongola dzanja chosangalatsa.
Pali vuto limodzi lokha lomwe ndapeza muzochitika zonse ndilakuti NiyoX sichikupezeka pano Andaman & Nicobar Islands, Arunachal Pradesh, Assam, Bihar, Dadra & Nagar Haveli, Daman & Diu, Goa, Jammu & Kashmir, Jharkhand, Lakshadweep, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Sikkim, Tripura, West Bengal & Eastern UP .
chigamulo: Akaunti Yakubanki Ya Digito mkati mwa masekondi 100 kugwiritsa ntchito PAN yokha ndi Aadhar ndizozizwitsa.
Chifukwa chake NiyoX ikusintha miyoyo ndipo ndiyovomerezeka 100%.
Kuphatikiza apo, m'tsogolomu, Niyo atha kuyanjana ndi mabanki ambiri kuti achuluke ndikuwonjezera kupezeka kwake. Kuti mudziwe zambiri, dinani Pano kuti mupeze nthawi ndi zikhalidwe za NiyoX.
Dinani pansipa kuti mutsitse NiyoX App ndikutsegula akaunti pa intaneti
Niyo Global
Ngati mumayenda kudziko lina nthawi zambiri, ndiye kuti kukhala ndi khadi la Forex kumatha kupulumutsa moyo.
Kukhala ndi ndalama zolondola ndikofunikira chifukwa cha kuchuluka komwe mumalipira mukasintha. Komanso, kunyamula ndalama kulikonse sikwabwino - kumatayika mosavuta ndipo kumakhala cholemetsa pachikwama chanu.
The Ndalama Zakunja Makadi ndi mwayi kulola kuti atembenuke angapo ndalama mu umodzi ndalama, kotero mulibe kulimbana ndi makadi angapo osiyana maulendo anu mayiko.
Niyo Global ndi khadi yatsopano ya Forex yakale yomwe imabwera ndi zinthu zambiri zomwe zimapangitsa kuti ikhale yapadera, yotsika mtengo, komanso yodabwitsa.
Kwa ophunzira, Niyo wakhazikitsa Khadi la Forex wophunzira poganizira zofunikira za wophunzira yemwe amaphunzira kunja. Dinani Pano kuti mumve zambiri.
Tiyeni tiwone zomwe zimapangitsa Niyo Global kukhala wapamwamba kuposa Makhadi ena a Forex:
- Mupeza Visa Card yokhala ndi ziro zolembera. Kodi sizodabwitsa? Komabe, ndikufuna kuwonjezera kuti ndalama zosinthira ndalama za Visa za 1% zidzagwiritsidwa ntchito.
- Mutha kuyika akaunti yanu ndi INR ndikugwiritsa ntchito mayiko opitilira 150.
- Kusungidwa mu akaunti yanu kumatha kubweza mpaka 5% mukamayenda.
- Zinthu monga ATM Locator, Chat Support, ndi Live Currency Converter zilipo pa App.
- Chinthu chabwino kwambiri chomwe ndimakonda ndikupeza malo osiyanasiyana a Airport Lounges padziko lonse lapansi. Izi ndizokhazikika ndipo zimasiyana malinga ndi akaunti yanu.
- Mutha Tsekani / Tsegulani khadi lanu kapena Khazikitsani / Bwezeretsani PIN ya Khadi lanu nokha kudzera pa pulogalamuyi.
- Imapereka inshuwaransi yofikira ₹ 5 Lakh yoperekedwa ndi DICGC, kampani yothandizidwa ndi RBI.
kuipa:
- Kuvomerezeka kochepa m'maiko ena monga Thailand, Indonesia, ndi zina.
- Mbali yokweza ndalama kudzera Kiredi palibe.
- Kuvomerezeka kochepa mu mautumiki monga Cabs etc.
chigamulo: Mosakayikira, Niyo Global ndi chinthu chodabwitsa chodzaza ndi zinthu zambiri, koma ndingakulimbikitseni kuti munyamule khadi lina la Ndalama Zakunja komanso ngati mungavomereze kutsika kulikonse.
Zindikirani: Pakadali pano, mitundu iwiri ya Niyo Global ilipo:
Niyo Global DCB ndi Niyo Global SBM
Pali kusiyana kochepa kwambiri pakati pa makhadi awiriwa.
Mutha kusankha khadi yomwe mwasankha. Ndaphimba Niyo Global SBM mu ndemanga iyi.
Komabe, mutha kudina m'munsimu kuti mupeze ndandanda yamalipiritsi ndi zomwe makadi onsewa amafunikira.
- Niyo Global SBM Migwirizano ndi zokwaniritsa
- Niyo Global SBM Ndandanda ya Malipiro
- Niyo Global DCB Migwirizano ndi zokwaniritsa
- Niyo Global DCB Ndandanda ya Malipiro
Ndiyo Bharat
Akaunti ya malipiro a digito ndi mtundu wa malipiro atsopano. Ndi ya aliyense amene ali ndi ntchito yolipira ndi ola kapena tsiku.
Niyo Bharat ali choncho, koma si malipiro chabe; ndi ndondomeko yosungira ndalama komanso ndondomeko ya penshoni.
Kupitilira apo, itha kugwiritsidwa ntchito kusungitsa maulendo, kutumiza ndalama kwa abwenzi ndi abale, kulipira ngongole, kugula zinthu pa intaneti, komanso kuchita chilichonse chomwe mumagwiritsa ntchito chikwama.
Pulatifomu ya Niyo Bharat imapatsa mphamvu anthu omwe alibe mabanki ku India ndi ndalama zotsalira koma zamphamvu zosankhidwa kubanki.
Ndimaona kuti ndi njira yosavuta, yowongoka, komanso yopatsa mphamvu kumadera omwe alibe ndalama zambiri kudzera m'mabizinesi ang'onoang'ono oyendetsedwa ndi gulu lachitsanzo lokhala ndi ukatswiri weniweni.
Mfundo zazikuluzikulu ndi zero-balance, kugwiritsa ntchito kwaulere, ndi nsanja yogwirizanitsa - yothandizidwa ndi kulumikizidwa kwadijito pamakina otengera makhadi.
Monga china chilichonse ku India, Niyo Bharat anali wotsutsana poyamba. Tsopano palibe mavuto ndi izo nkomwe. Anthu amachikonda.
Nayi mndandanda wazinthu zabwino kwambiri za Niyo Bharat:
- Mudzalandira khadi yolipiriratu yaulere ya ziro.
- Ndi imodzi mwama makhadi otetezedwa kwambiri ndi mapulogalamu omwe ali ndi loko/kutsegula/kutchinga makadi.
- Mabanki monga ICICI, Inde Bank, ndi DCB agwirizana ndi Niyo Bharat.
- Chimodzi mwazinthu zomwe ndimakonda kwambiri za Niyo Bharat ndikuti zosankha zazilankhulo 10 zimapezeka mu App. Mutha kusankha chilankhulo chomwe mukufuna.
- Mutha kuwona chiphaso, kutsitsa mawu okhazikika, ndikukweza matikiti othandizira, zonse m'chilankhulo chanu.
- Mutha kusamutsa ndalama kwa ogwiritsa ntchito a Niyo ndikungodina kamodzi.
Pali vuto limodzi lokha lomwe ndapeza ndikuti iOS App ya Niyo Bharat iyenera kupangidwa.
chigamulo: Pakalipano ikugwiritsidwa ntchito ndi ogwiritsa ntchito oposa 11 lacs ndi makampani 9, Niyo Bharat ndi chinthu chomwe chikubweretsa kumasuka komanso kuwonekera. Mabizinesi ochulukirachulukira ayamba kuvomereza ndalama za digito masiku ano, ndipo ngati mumakonda kugula pa intaneti kapena kungo kusunga ndalama nthawi iliyonse mukagula pa intaneti, Niyo Bharat ndioyenera kuyang'ana!
Dinani Pano kutsitsa Niyo Bharat App ndikutsegula akaunti pa intaneti.
Ndiyo Money
Kupanga ndi kusunga ndalama ndi loto kwa ambiri. Kulemera sikophweka.
Koma, pali Niyo Money kupulumutsa! Niyo Money ndi pulogalamu yanzeru yoyendetsera chuma yomwe imakulolani kuti muyikemo Direct mutual funds (MFs), ETFs, ndi m'matangadza.
Ndi Niyo Money, mumapeza upangiri wa Robo kuchokera kwa mamanejala apamwamba kwambiri a MF ku India, kukuthandizani kukulitsa ndalama zanu moyo wanu wonse.
Zikumveka ngati zopenga, koma Niyo Money akufuna kugwedeza makampani a upangiri wazachuma ndi nsanja ya upangiri wosakanizidwa ndi maloboti. Pulogalamu yoyang'anira chuma imaphatikiza luntha lochita kupanga ndi alangizi a anthu kuti apange "hybrid yamtsogolo."
Tiyeni tiwone mbali zabwino za zonse-mu-zimodzi Investment App wotchedwa Niyo Money:
- Mutha kuyika ndalama zoposa 5000 Direct Mutual Funds ndi ndalama zolipirira ziro.
- Mutha kutsata ndalama zanu kwakanthawi kochepa komanso kwanthawi yayitali pamalo amodzi. Zolinga zazifupi ndi ndalama zilizonse zomwe mukufuna kusintha ndikugwiritsa ntchito m'miyezi 12 yotsatira.
- Ndi One-Click Portfolio Rebalancing, mutha kusintha zomwe mwagawa kuti zigwirizane ndi zomwe mukufuna kugulitsa.
- Mutha Kutsegula 100% Paintaneti Kugulitsa Masheya akaunti yomwe ilibe zovuta komanso yosavuta kugwiritsa ntchito. Kutsegula akaunti yanu yogulitsira masheya pa intaneti ndikofulumira komanso kosavuta, ndipo mutha kuyimirira ndikugulitsa mphindi.
- Simuyenera kulipira Malipiro Otsegulira Akaunti ndi Flat Brokerage Plan mpaka ₹20 pamalonda aliwonse. Niyo Money imapereka imodzi mwazinthu zotsika kwambiri za AMC pamakampani onse!
Zina ziwiri zosangalatsa zomwe zikubwera posachedwa ndi:
- Mutha ndalama zonse mu International Stocks monga Amazon, Google, etc.
- Mutha kuyika ndalama mu FD ndikupeza Chiwongola dzanja chosangalatsa.
chigamulo: Ndikuganiza kuti Niyo Money ndi nsanja yabwino kwambiri yapaintaneti kwa osunga ndalama omwe akufunafuna malo ogulitsira amodzi kuti ayambe ndi ndalama zawo zatsopano. Malipiro awo ndi opikisana ndipo makasitomala awo ali pa mpira.
Amapereka chilichonse kuyambira m'matangadza mpaka ndalama, kotero zosankha zanu zimakhala zochepa ndi kuchuluka kwa ndalama zomwe mukufuna kuyikapo. Ndipo koposa zonse, amakhala opambana chifukwa ali ndi nsana wanu ndipo amasamala kuteteza ndalama zanu.
Kuti mudziwe zambiri, dinani Pano kupeza nthawi ndi zikhalidwe za Niyo Money.
Dinani Pano kutsitsa Niyo Money App ndikutsegula akaunti pa intaneti.
Makampani opanga mabanki awona kusintha kwakukulu m'zaka makumi angapo zapitazi, komabe zimakhala zovuta kuti makampani ang'onoang'ono apikisane ndi makampani akuluakulu.
Niyo akufuna kuswa zotchinga izi, ndichifukwa chake adamanga ntchito yomaliza yamabanki yamabizinesi ang'onoang'ono ndi apakatikati. Kaya mukuyang'anira ndalama kapena mukufuna thandizo kuti mabuku anu azikhala bwino, Niyo ali nazo zonse.
Ntchito za Niyo Banking zidapangidwa kuti zikuthandizeni kuyendetsa bwino ndalama zanu ndikupanga zisankho zabwino kwambiri zachuma.
Ruchi Sharma
Ndemanga yanji pakuvomera kwa Niyox Forex Card ku USA?