Mutha kutenga ngongole motsutsana ndi zotetezedwa zomwe mwayika kudzera pamabanki akulu ndi ma NBFC, monga:
- Zotetezedwa za ICICI
- Zotetezedwa za HDFC
- Aditya Birla Capital
- Motilal Oswal
- Bajaj Finance
Koma mabanki awa, ma NBFC, nthawi zambiri sakhala njira yabwino yopezera ngongole pamabizinesi anu, makamaka ngati ndinu oyamba. Njirayi imakhala yayitali nthawi zonse. Muyenera kulankhula ndi oyang'anira, kukambirana ndi kudutsa matani a mapepala.
Chifukwa chake, m'munsimu muli ena mwamapulatifomu ena omwe mungayang'anemo kuti mupeze chiwongola dzanja chabwino, chithandizo chamakasitomala, komanso chidziwitso chabwinoko chonse. Poyerekeza ndi mabanki.
MoneyJar
MoneyJar mwina ndiyo njira yosavuta yopezera ngongole pamabizinesi anu amutual fund. Komabe, pali ndime imodzi yofunikira:
- Mufunika akaunti yakubanki ya HDFC.
- Ma CAMS okha ndi omwe amathandizidwa mwagwirizana ndalama zikugwira ntchito pa ngongole.
Ndi MoneyJar, mutha kubwereketsa ndalama ndi AMC iliyonse yomwe ili ndi CAMS monga RTA yake, monga ICICI, Aditya Birla, HDFC, DSP ndi zina.
Komabe, ma AMC ngati Axis Mutual Fund sangakhale oyenera kubwereketsa ngongole kudzera ku MoneyJar popeza RTA yake ndi Kfintech, yomwe kale imadziwika kuti Karvy.
Iyi ndiye nsanja yabwino kwambiri yopezera ngongole ya mutual fund overdraft ngati ndinu atsopano ku izi ndipo mukufuna kuti chilichonse chikhale chosavuta. Simuyenera kuda nkhawa ndi zolemba zambiri, kuyimba foni kapena kudutsa njira yayitali. Ndiosavuta momwe ingapezere ndi MoneyJar.
Muyenera kudzaza fomu yofunsira, onani kuyenerera kwanu, ndipo akatswiri a MoneyJar adzakufikirani kalata yanu ikakonzedwa. Ndi digito yathunthu, yopanda mapepala ndipo sizitenga milungu kuti ikonzedwe.
Mukakhazikitsa malire anu, mutha kusankha nthawi komanso kuchuluka kwa ndalama zomwe mwabweza zomwe mukufuna kutumiza ku akaunti yanu yakubanki ya HDFC. Chiwongoladzanjacho chimagwira ntchito pa ndalama zomwe mumagwiritsa ntchito kuchokera pa malire a overdraft. Osati pa capital capital yonse yomwe mwapatsidwa. Kuchuluka kwa malire omwe mumagwiritsa ntchito kuli ndi inu.
- Ngati ndinu oyamba kumene, MoneyJar ndiye malo abwino kwambiri opezera ngongole motsutsana ndi ndalama zanu zonse.
INDndalama
Kwenikweni, INDmoney ndi kutsata mbiri / pulogalamu yoyika ndalama. Komabe, amapereka ntchito zamaofesi abanja, kotero ndimaganiza kuti kuwaphatikiza pamndandandawu kungakhale komveka.
Ndi INDmoney, mutha kubwereketsa ndalama zanu zonse m'njira yokhazikika komanso yayitali poyerekeza ndi MoneyJar.
Ndipo zidzakudyerani ndalama zambiri.
Choyamba, muyenera kulembetsa ku pulani ya umembala wa INDMoney kuyambira INR 999/mwezi ndiyeno mudzayenera kulipira chindapusa chilichonse chomwe gulu la ofesi yabanja la INDmoney likukupemphani.
Kumbukirani, apa mudzakhala ndi gulu la akatswiri azachuma kukuthandizani. Adzasamalira misonkho, njira ya ngongole, zolemba ndi china chilichonse chofunikira kuti akupatseni ngongole.
Chigamulo chovomerezeka kuti mupeze ngongole motsutsana ndi ndalama zanu kudzera pa INDmoney ndi CRIF ngongole ya 750+.
Sikuti mutha kungobwereketsa ndalama zanu zonse, koma INDmoney ikuthandizaninso kuti mupeze ngongole pazogulitsa zanu zina.
Chifukwa chake, ngati mukufuna ngongole motsutsana ndi ndalama zogwirizana kuphatikiza zinthu zina zomwe zili mu mbiri yanu mutakhala ndi gulu la akatswiri kuti akuthandizeni, INDmoney ikhoza kukhala chisankho chabwino.
Zerodha Capital
Mutha kudziwa kuti Zerodha amapereka malire motsutsana ndi zomwe mwalonjeza, koma amaperekanso ngongole pazotetezedwa zomwe zili pansi pa akaunti yanu ya Demat.
Zerodha posachedwapa adayambitsa kampani yawo ya Loan Against Security yotchedwa Zerodha Capital.
Ngati muli ndi akaunti ya Demat ndipo muli ndi magawo, ndalama zothandizirana, kapena zida zina zogulitsira zomwe zimalumikizidwa ndi akaunti yanu ya Zerodha - Zerodha Capital ndiyo njira yosavuta yopezera ngongole pazogulitsa zanu.
Ndi ndondomeko kwathunthu digito. Zomwe muyenera kuchita ndikufunsira Zerodha Capital, kulumikiza akaunti yanu, kusaina mapepala angongole pakompyuta ndipo ndalama zomwe zabwezedwa zidzasungidwa ku akaunti yanu yakubanki.
Chiwongola dzanja choperekedwa ndi Zerodha Capital ngati 26th October 2021 ndi 10.5% pachaka, zomwe ndi zochepa kuposa MoneyJar. Amatsatsa chiwongola dzanja ichi ngati chokhazikika. Komabe, pansi pa gawo la FAQ, Zerodha akuti akhoza kusintha chiwongoladzanja potengera momwe chuma chikuyendera.
Muyenera kuwonetsetsa kuti mwawerenga bwino zomwe zikuyenera kuchitika musanasankhe kubwereketsa kuzinthu zotetezedwa. Ndikupangira ganyu loya ngati mukubwereketsa bizinesi kapena yoposa INR 15 Lakhs.
Ndi momwemo - awa ndi malo atatu abwino opezera ngongole motsutsana ndi ndalama zonse.
Ndiuzeni ngati muli ndi mafunso.
Siyani Mumakonda