Kukuthandizani kuti muyambe mwachangu momwe ndingathere, ndakukonzerani mndandanda wa mapulogalamu a fintech ku India. Zagawika m'magawo osiyanasiyana.
Mugawo lililonse, ndingotchula pulogalamu / nsanja imodzi ya fintech yomwe ili yabwino kwambiri pagululi.
Chifukwa chiyani?
Chifukwa pali mazana a listicles pa intaneti komwe mungapeze nsanja zambiri zomwe zimalimbikitsidwa kuti muyikepo ndalama, kusunga, kufufuza msika, ndi zina zambiri.
Koma izi zimapangitsa kuti zikhale zovuta kwa oyamba kumene chifukwa zimapanga chisankho chosankha. Uwu si mndandanda wa "Zomwe Ndimagwiritsa Ntchito", zilibe kanthu zomwe ndimagwiritsa ntchito.
M'malo mwake, mndandandawu uyenera kukuthandizani kuti muyambe kulumpha ndipo simuyenera kuda nkhawa kuti mudzakuberedwa, kapena kusankha nsanja yolakwika.
Uwu ndi mndandanda wazomwe mungagwiritse ntchito ngati simukudziwa komwe, kuti muyambe ndikuyikapo ndalama kapena kusunga ndalama zanu.
Kuyika ndalama mu Stock Market
Zerodha
Zerodha ndiye nsanja yabwino kwambiri yopangira ndalama m'matangadza. Sizosavuta kugwiritsa ntchito, koma ndizabwinoko kuposa nsanja ina iliyonse yochotsera ku India.
Zerodha ndi ochotsera, omwe adakhazikitsidwa mu 2010 ndi Nithin ndi Nikhil Kamath. Amalipira chindapusa chochepa, zomwe ndi zomwe adachita koyamba ku India. Ma sheya ndi aulere ndipo simuyenera kulipira chindapusa chilichonse pamwezi.
Ndi akaunti ya Zerodha, mumapeza mwayi wopeza ndalama zambiri monga:
- Kite - Pulogalamu yawo yotsatsa malonda.
- Console - Dashboard yoyang'anira ofesi yokhala ndi zambiri zamaakaunti ophatikizika, zambiri zandalama, zosunga, msonkho ndi zina zambiri.
- Ndalama - Mwachindunji mutual fund Investment app
- Varsity - malo amodzi ophunzirira zandalama
Zimakupatsaninso mwayi wolumikizana ndi mapulogalamu a chipani chachitatu kudzera pa API. Monga TickerTape, yomwe imakupatsani mwayi wosanthula zomwe mwasunga popanda kulowetsa pamanja komanso kwaulere.
Zerodha imaperekanso malonda azinthu, Tsogolo, ndi Zosankha zamalonda, nkhani za SGBs, Currency Derivatives, IPOs, Bond, ETFs, ndi malire a equity kudzera pakulonjeza masheya.
Zimaphatikizanso ndi SmallCases. Pulatifomu pomwe masheya amagawidwa kukhala chida chimodzi chogulitsira chomwe chitha kugulidwa ngati chuma chochepetsera chiwopsezo ndikupeza phindu labwinoko kuposa momwe gulu limakhalira.
Kite by Zerodha ndiye pulogalamu yabwino kwambiri yotsatsa yomwe mungapeze ku India. Palibe pulogalamu ina ngati iyo. Zosavuta, zosavuta kuyenda, zodzaza ndi zidziwitso zambiri zoti mufufuze za kampani, malo okongola otsata zomwe mwagwira, maudindo, ndi zina zambiri.
Kuphatikiza apo, Zerodha imakulolani kuti muyambitse ma SIP ndikupanga zotsalira zam'matangadza. Monga ngati inu ndalama mu Mutual Funds kudzera ndondomeko ndalama mwezi uliwonse, mukhoza kuchita chimodzimodzi ndi m'matangadza ntchito Zerodha.
Investing in Mutual Funds - Direct Chitani Icho Chokha
Kukula
Ndi Groww, mutha kuyamba kuyika ndalama mumphindi zochepa. Ndi pulogalamu yomwe ndimaikonda kwambiri pazachuma chilichonse chomwe ndayesa mpaka pano.
Groww ndiwochezeka kwambiri ndipo imapangitsa kuti ndalama zikhale zosangalatsa, zosavuta komanso zopanda mkangano.
Palibe chindapusa chokonza akaunti. Ndi mfulu kwathunthu. Samalipiritsa ndalama zilizonse zogulira mutual fund.
Kukula kumakupatsaninso mwayi woyika ndalama mu:
- Indian stocks
- Ma US
- Digital Gold
- Malo osungika
- nsinga
- IPOs
Ndipo kwambiri.
Mutha kukhazikitsa ma SIP, kusintha kuchuluka kwawo ndi tsiku nthawi iliyonse yomwe mukufuna, ndikusunga ndalama zanu zakunja mkati mwa Groww. Ali ndi gulu lothandizira komanso lothandiza kwambiri.
Pazonse, ndiyo njira yosavuta yoyambira ulendo wanu woyika ndalama. Ndipo ndi mfulu kwathunthu.
Investing in Mutual Funds - Direct Kuthandizidwa
MoneyJar
MoneyJar ndi nsanja yomwe ndingapangire antchito otanganidwa omwe amalipidwa. Kapena anthu omwe amangofuna kuyamba kuyika ndalama zawo koma alibe nthawi kapena kufuna kuphunzira msika.
Kodi MoneyJar ikusiyana bwanji ndi Groww?
Ndi MoneyJar simuli "konse" kupanga zisankho zanu zachuma. Pali dongosolo lomwe lilipo komanso gulu la akatswiri okuthandizani.
Pali mabasiketi a ndalama zogwirizana (ndalama ziwiri kapena zingapo zophatikizidwa ngati chida chimodzi chogulitsira) chotchedwa Mitsuko. Mitsuko iyi ndi zolinga zamtundu malinga ndi chiwopsezo chanu komanso zolinga zanu zogulitsa.
Mitsuko imapangidwira zolinga zazing'ono, zaukali / zowonongeka, zolinga za nthawi yayitali ndi zina. Ndalama zomwe zili mu Mitsuko iyi zimasankhidwa mosamala kuti zikupatseni zotsatira zabwino kwambiri munthawi yake komanso molingana ndi zoopsa zomwe zachitika.
Gawo labwino kwambiri ndilakuti, amabwerezanso kotala Mitsuko yanu ngati pakufunika. Zomwe simungazipeze kwaulere 99 mwa 100 nthawi.
Kuphatikiza apo, ngati mungafunike chitsogozo chilichonse kapena kuthandizidwa ndi ndalama zanu, mutha kulumikizana ndi gulu la MoneyJar ndipo adzakuthandizani m'modzi-m'modzi.
Tsatani Ndalama Zanu Zonse mu Dashboard Imodzi
INDndalama
INDmoney ndi pulogalamu yamtundu wina. Palibe pulogalamu ina ku India kuyambira pano, yomwe imayandikira zomwe ikupereka.
Ndi pulogalamu imodzi, INDmoney, mutha kutsata ndalama zonse zomwe mudapanga zolumikizidwa ndi imelo yanu ndi PAN pamalo amodzi. Masheya anu, PPF, EPF, akaunti yakubanki, ndalama zothandizirana, NPS, AIFs ndi zina zambiri.
Zimakupatsaninso mwayi kuti muyike ndalama mu mutual funds commission-free, kugula masheya aku US osalipira ndalama zakunja, ndikuyika ndalama mu FD popanda akaunti yakubanki.
INDmoney imaphatikiza ndalama zanu ndi ngongole zanu, kenako ndikuwerengera ndalama zanu. Ngongole zilizonse, ngongole Ngongole zomwe mungakhale nazo zimachotsedwa pazachuma zanu ndipo zimakuwonetsani ndalama zanu.
Ili ndi tracker yayikulu, yomwe imakupatsiraninso kugula / kugwira / kugulitsa malingaliro (pokha pa umembala wolipidwa).
INDmoney imakupatsiraninso ntchito zamaofesi abanja.
Zonse, ngati mukufuna kuphatikiza ndalama zanu ndikuyikanso ndalama m'masheya aku US kwaulere, INDmoney ndiyofunika kuyang'ana.
Ndalemba za INDmoney mwatsatanetsatane apa. M'malo mwake, ndalemba gawo limodzi latsatanetsatane kwambiri pa INDmoney kunja uko.
Tsatani Ndalama Zanu, Zosungira & Ndalama Zanu
Wallet ndi BudgetBakers
Wallet yolembedwa ndi BudgetBakers ndiye pulogalamu yabwino kwambiri yachikwama kunja uko. Ndayesapo mapulogalamu ena onse, kuchokera ku Walnut mpaka Spendee, komabe onse sakuwoneka kuti akugwirizana ndi Wallet.
chikwama ndikukonzekera bajeti, ndalama / ndalama zomwe zimalumikizana ndi akaunti yanu yakubanki.
Kenako imagwirizanitsa zochitika zanu mu dashboard yoyera komanso mwachilengedwe. Kumene mungathe kugawira zochitika zonse, kuwonjezera chizindikiro, kupanga magulu amtundu, malamulo achikhalidwe, ndikutanthauzira bajeti.
Zina mwazinthu zake monga malamulo odziyimira pawokha ndizokhazikika. Nthawi iliyonse pakachitika, Wallet imangotanthauzira gulu, kuwonjezera chizindikiro ndikusintha bajeti moyenera. Mutha kuwonanso mtsogolo momwe mungawonongere ndalama zanu, kugwiritsa ntchito bajeti komanso kuyenda kwandalama.
Ndizosintha mwamakonda, ndiye chilichonse chomwe mungafune kuchokera kwa tracker / budger planner, Wallet iyenera kukwaniritsa zosowa zanu.
NeoBank
Fi.Money
Pali zambiri ma neobanks akufika ku India. Koma imodzi yomwe yadzikhazikitsa yokha ngati neobank yokhazikika komanso yodalirika ndi Fi.
Fi ndi pulogalamu yabwino kwa anthu omwe sakonda mapulogalamu akubanki wamba ndipo amafuna akaunti ya ziro yopanda zingwe zilizonse. Kumene mungathe kuchita zochitika za tsiku ndi tsiku osadandaula za malipiro, malipiro ndi zina zotero.
Ndi Fi, mumapeza ufulu wonsewo ndi zina zambiri. Fi adagwirizana ndi Federal Bank zomwe zikutanthauza kuti ndalama zanu zimasungidwa kubanki yoyendetsedwa ndi RBI. Komabe, mutha kugwiritsa ntchito pulogalamu yosavuta kugwiritsa ntchito poyerekeza ndi pulogalamu yapang'onopang'ono ya Federal Bank.
Fi imabweranso ndi zinthu zambiri, monga Money Plants. Ili ndi njira yolipira yomwe mumapeza ndalama zopangira zochitika zinazake ndikusunga ndalama ku cholinga. Mumapeza kirediti kadi yaulere, mwayi wa UPI, ndi wothandizira wa AI yemwe amakoka zambiri ndikuyankha mafunso azandalama kwa inu.
Kotero, ngati mukuyang'ana njira yopitira ku banki popanda zingwe zilizonse monga momwe ziyenera kukhalira, ch
Credit Line App
NdalamaTap
Zindikirani - Pokhapokha ngati mukufunikiradi kupeza ngongole, osalandira.
Ngati muli kale ndi makhadi angapo angongole ndipo simukufuna ndalama kuti mukulitse bizinesi kapena kugwiritsa ntchito ndalama pazinthu zazikulu kuposa ndalama zomwe mumapeza zomwe mukudziwa kuti mutha kulipira, musatenge ngongole. .
Komabe, ngati mukufunabe, ndikupangira kugwiritsa ntchito MoneyTap.
MoneyTap ndiye njira yosavuta yopezera ngongole. Mukungotsitsa pulogalamu yawo ndikumaliza njira yoyambira.
M'mphindi zochepa chabe, mutha kuwona kuchuluka kwa malire omwe mungapeze, chiwongola dzanja ndikuchotsa ndalamazo ku akaunti yanu yakubanki.
Mutha kulandira ngongole yofikira INR 5,00,000 kuchokera ku MoneyTap. Kuti mubweze ngongoleyo, mutha kusankha kubweza kwa EMI.
Palibe malipiro a mwezi uliwonse kapena malipiro apachaka. Kuphatikiza apo, simuyenera kuyika chikole chilichonse - MoneyTap imapereka ngongole yopanda chitetezo.
Amaperekanso Khadi lomwe limalumikizidwa ndi ngongole yanu yomwe imapangitsa MoneyTap kuti igwiritsidwe ntchito m'masitolo komanso mwachindunji pakugula kwa e-commerce.
Pulogalamu ya Paylater
Zozle
Sezzle imakupatsani mwayi wogula pamawebusayiti masauzande ambiri, osalipira mtengo wonsewo.
M'malo mwake, ndi Sezzle, muyenera kulipira zomwe mwagula mu magawo anayi. Gawo loyamba panthawi yomwe kugula kumapangidwa. Ena onse 4 milungu ya imeneyi.
Mutha kutuluka mwachindunji kudzera pa Sezzle, kulibe UPI kapena khadi. Mukalumpha magawowo koyamba, palibe malipiro.
Zosavuta
Ngati mukufuna kulipira-pambuyo pake ntchito makamaka pogula zinthu zatsiku ndi tsiku, monga kuyitanitsa kuchokera ku Zomato, Simpl ndiye njira yabwinoko.
Ndi Simpl, mutha kulandira ngongole yofikira INR 20,000. Zomwe zitha kugwiritsidwa ntchito pogula e-commerce.
Mudzalandira bilu kawiri pamwezi, tsiku lililonse la 15.
Non-Banki Credit Card
Kagawo
Gawo mwina ndiye kirediti kadi yabwino kwambiri yazaka chikwi ndi ogwiritsa ntchito a Generation Z.
Ndi kirediti kadi osa banki. Kutanthauza, Gawo siligwirizana ndi banki yolembetsedwa ndi RBI, monga ICICI, SBI ndi zina zotero. M'malo mwake, amakhala ngati gawo lobwereketsa komanso bwenzi la digito la NBFC.
Gawo limapereka kirediti kadi yovomerezeka pompopompo kwa aliyense komanso aliyense. Simufunikanso kukhala ndi ITR kapena ntchito. Ngati muli ndi zaka 18 ndipo mulibe kusakhulupirika m'mbiri yanu yangongole, mutha kutenga Gawo la Khadi la Ngongole.
Invest in US Stocks
Kuyesedwa
Vested ndiye njira yabwino yopezera ndalama ku US Stocks ndi ETFs zochokera ku India. Vested adagwirizana ndi DriveWealth kuti alole Amwenye kugula mwachindunji magawo amakampani omwe adalembedwa pa New York Stock Exchange.
Simuyenera kulipira ndalama zilizonse zogwiritsa ntchito Vested. Amaperekanso "Vests" yomwe ndidengu la mbiri yotengera chiwopsezo komanso magawo. Chovala chilichonse chimakhala ndi masheya angapo ndi ma ETF kuti muchepetse chiwopsezo posintha ndalama zanu.
Vested imaperekanso chindapusa chochotsera ndipo ndi yotetezeka kwathunthu.
Kutchulidwa Kwapadera - INDndalama
INDmoney ndi pulogalamu ina yabwino yoyambira kuyika ndalama ku US Stocks. Ndi INDmoney mumatha kupeza Akaunti ya Super Saver kuti musamutsire ndalama muakaunti yanu yaku US Brokerage popanda chindapusa kapena ndalama zotumizira kunja.
Mogwirizana ndi banki ya SBM, INDmoney imaperekanso ndalama zabwino kwambiri za INR mpaka USD.
Ngati mukuyembekezera kuyika ndalama ku US ETFs, mungakonde mawonekedwe awo ofufuza a ETF. Zimakuwonetsani kubweza komwe mungabwezere pazachuma chanu cha ma ETF osankhidwa, zomwe ali nazo, ndikuyerekeza ndi ma ETF ena omwe ali mgulu lomwelo.
Mumapezanso mphotho pakuyika ndalama m'masheya aku US kudzera pa INDMoney.
Zida Zofufuzira Zamsika
Tijori
Tijori mwina ili ndi chidziwitso chokwanira / chokwanira kwambiri chamakampani aku India ndi omwe adalembedwa ku US.
Chilichonse chomwe mungafune kudziwa zokhudza katundu wina, Tijori ali ndi deta yoti ayankhe. Ndipo ndi zambiri za momwe amaperekera detayi, mwachidziwitso, mwaukhondo komanso yosavuta kumva.
Tijori Finance amakulolani kuti mufufuze mozama pamasheya, kumvetsetsa komwe kampani inayake ikupanga ndalama zake zambiri, ma benchmarks, ma graph owonera ndi kusanthula mwatsatanetsatane zachuma, kuwonongeka kwa magawo, ndi zina zambiri.
Kuti mupeze mulingo wa data womwe Tijori amapereka mukuwona kophatikizana, muyenera kuphatikiza zida zandalama zosachepera 7. Kuphatikiza apo, zimakupulumutsirani vuto lolemba malipoti apachaka, kusanthula luso, kusanthula msika, mabuku, kusanthula gawo, kungotchula zochepa chabe, ndikukulolani kuti mupange chisankho chanzeru pazomwe mungagule kapena kugulitsa.
TickerTape
TickerTape ndi kusanthula masheya komanso kuwunika komwe kumapereka zida zingapo zowunikira kampani ngati Investor.
Mutha kusanthula mtengo wamakampani, mbiri yazachuma, kuwona zolosera zamtsogolo, kukula, kugawana, zochitika/nkhani, kufananiza makampani osiyanasiyana m'gawo ndi zina zambiri.
Kuphatikiza apo, TickerTape imabwera ndi mndandanda wazoyang'anira zaumoyo.
Mutha kusanthulanso ma ETFs ndi Mutual Funds pogwiritsa ntchito TickerTape. Ichi ndi chida chimodzi chomwe muyenera kugwiritsa ntchito ngati woyamba.
Finology Ticker
Kutchulidwa mwapadera, Finlology Tracker mwina sangapereke zolosera zamtsogolo, koma akadali chida chachikulu chowunikira masheya.
Chimodzi mwazinthu zabwino kwambiri za Finology Ticker ndi gawo la "Mphamvu ndi Kufooka". Zimakuwonetsani madera omwe kampani ikukulirakulira komanso komwe ikusowekanso. Izi nthawi zambiri zimakhala zovuta kuzipeza ndikuphatikiza kwa oyamba kumene.
Ngati mukufuna zambiri, mutha kulembetsa ku Finology ONE yomwe imakupatsani mwayi wopeza malipoti angapo komanso kusanthula masheya kochitidwa ndi gulu la akatswiri.
Zida Zina Zothandiza za Fintech
EnKash
EnKash imatsimikizira mabizinesi ang'onoang'ono okhala ndi kirediti kadi opanda chiwongola dzanja kuti agwiritse ntchito makampani. Ndi nsanja ya B2B fintech.
Mukalandira ngongole ya EnKash, mutha kupanga makhadi angapo enieni komanso akuthupi olumikizidwa ndi akaunti yanu ya EnKash ndikugawa pakati pa gulu lanu. Mutha kusintha khadi lililonse ndikuwongolera momwe mungagwiritsire ntchito momwe mukuwonera.
Mutha kugwiritsanso ntchito EnKash kuvomereza zolipirira bizinesi yanu, kuwongolera kayendetsedwe ka ndalama, ndikuphatikiza ndi pulogalamu yotchuka yowerengera ndalama.
Chiyembekezo
Hop, kapena MoneyHop imapereka chikwama chandalama zambiri / akaunti yosungira. Zimakulolani kuti mulandire malipiro ochokera kumayiko osiyanasiyana, kuphatikizapo US, mwachindunji, popanda kulipira ndalama zowonjezera.
Hop imabwera ndi kirediti kadi, ndi akaunti yosungira ziro. Pogwiritsa ntchito kirediti kirediti kadi ya Hop, mutha kuchita malonda a forex osalipira chilichonse.
Ngati mwagwiritsa ntchito zolipira za Payoneer padziko lonse lapansi, lingalirani Hop kukhala njira ina, koma osazengereza kulandira ndalamazo ku akaunti yanu yakubanki.
Open.Ndalama
Open.Money ndi neobank yopangira mabizinesi. Kuthandizira mabizinesi kusamalira ndalama zawo, misonkho, ma accounting, kuyenda kwandalama, ndi maakaunti aku banki angapo pamalo amodzi.
Open imabwera ndi kirediti kadi ya VISA, kasamalidwe kamalipiro, kusonkhanitsa malipiro ndi zinthu zina zamalonda zapa e-commerce zomwe zimakupatsani mwayi wowongolera ndalama zabizinesi yanu osadutsa matani a mapepala apamwamba komanso pulogalamu yosokoneza yowerengera ndalama.
Ndipo, imathandizira API kotero mutha kupanga mapulogalamu okhazikika kuti mulumikizane ndi akaunti yanu ya Open. Ma neobanks ochepa kwambiri ku India omwe amapereka izi.