Ngati mukufuna kuyika ndalama pazoyambira zaku India zomwe zikukula koma mulibe ndalama zambiri, muli ndi uthenga wabwino. Zinthu zikusintha bwino mdziko muno, ndipo kuyika ndalama m'makampani omwe akukwera ndiye gawo labwino kwambiri.
Tyke akuwoneka kuti ndiye projekiti yoyenera pagawoli.
Ndi mawonekedwe olola ogwiritsa ntchito kuyika ndalama poyambira otsika mpaka Rs.5000, kampaniyo yabweretsa kusintha kwa dziko.
Ndinafufuza mozama pa izi, ndipo ichi ndikutenga kwanga (ndi kuwunikira mozama) pa izo.
Tyke ndi chiyani?
Tyke imapatsa ogwiritsa ntchito mwayi woti azitha kupanga ndalama nthawi yomweyo poyambira ku India ndi ndalama zochepa za Rs.5000 zokha. Mutha kupita ku nsanja yawo ndikuwona makampani osiyanasiyana omwe adalembedwa papulatifomu yawo.
Mutha kuwerenganso zomwe kampaniyo idachita komanso zomwe zidachitika kale kuti mupange chisankho chabwino.
Cholinga chachikulu cha Tyke ndikulola ogulitsa malonda kuti atenge nawo gawo poyambira malonda ndikupanga phindu lokongola, monga momwe amachitira angelo.
Pamodzi ndi kuthandizira kosalekeza ndi chithandizo, Tyke imaperekanso zinthu zambiri zomwe zili ndi chidwi cha omwe amagulitsa ndalama ndikuwapatsa chitetezo pazogulitsa zawo.
Mawonekedwe a Tyke
Pali zambiri zoperekedwa ndi Tyke kwa oyambitsa ndi ogulitsa malonda. Tiyeni tionepo.
1. Ndalama Zogulitsa
Pamene mukulembetsa pa nsanja, ndinu oyenerera kutenga nawo mbali poyambira ndalama zoyambira. Ndi mawonekedwe osavuta kugwiritsa ntchito, ogwiritsa ntchito amatha kuyang'ana mosavuta zonse zomwe zilipo ndikupanga zisankho.
Mutha kuwerenga tsatanetsatane wa kampaniyo, mbiri yawo yakale, momwe amayendetsera ntchito zawo, ndi zomwe makampani onsewa amapereka kwa osunga ndalama.
2. Zopanda Msoko Kwa Oyambitsa
Ngati ndinu woyambitsa ndipo mukufuna kupeza ndalama kuchokera kwa ogulitsa ogulitsa kapena mwachindunji kuchokera kudera lanu, Tyke akhoza kukuchitirani ntchitoyi.
Mwachidule, lowani papulatifomu. Zimaphatikizapo zolemba zopanda mapepala ndi kutsimikizira. Pezani njira zanu zonse zopezera ndalama pamalo amodzi ndi izi.
3. Kuyika Ndalama Mkati Mwa Mphindi
Ngati mukudwala ndi zolemba zosatha komanso zovomerezeka mukamapanga ndalama, ndiye kuti masiku amenewo apita.
Tyke imakulolani kuti mupange ndalama poyambira mkati mwa miniti imodzi. Malizitsani zonse mosavutikira ndikukwera ndi ndalama zanu zabwino.
Mutha kuyanjananso ndi omwe adayambitsa kampaniyo ndikudziwa zambiri zamapulojekiti awo.
Mutha kuwongolera mawu anu, werengani zolemba zonse za kampaniyo, ndikuwunika mbiri yanu munthawi yeniyeni ndi gawo ili la Tyke.
4. Zozungulira Payekha
Ngati ndinu oyambitsa ndipo mukufuna kuti dera lanu likhale nanu paulendowu, ndiye kuti kuzungulira kwanuko ndiko komwe mungapite. Mwa izi, mutha kuyimbira foni ndi Tyke, fotokozerani gululo za lingaliro lanu, ndikukonzekera kuzungulira kwanuko ndi gulu.
Mutha kutumiza maitanidwe makonda anu kwa osunga ndalama ndi anthu amdera lanu.
Mumalipiranso anthu amdera lanu kapena omwe akugulitsa ndalama ndi masheya akampani yanu mwachindunji kudzera ku Tyke. Izi zimakulitsa ma network a kampani yanu.
5. Community Kwa Investors
Aliyense amakonda kucheza ndi anthu amalingaliro ofanana, ndipo mumatha kutero pa Tyke. Mawonekedwe amderali amakupatsani mwayi wolumikizana ndi osunga ndalama ena, oyambitsa oyambitsa, ndi ena onse ogwiritsa ntchito pulogalamuyi.
Mutha kutenga nawo gawo pamagawo anthawi zonse a AMA omwe ali ndi chidziwitso komanso zambiri za gawoli.
Zida Zopangira Ndalama za Tyke
Pali njira zingapo zopangira ndalama poyambira ndi Tyke. Komabe, ndi ndalama kumabwera zoopsa zambiri zotaya ndalama zomwe mwapeza movutikira. Kuti athane ndi izi, Tyke ali ndi mawonekedwe omwe amadziwika kuti T-SAFE.
T-SAFE ndi chiyani
T-SAFE idapangidwa ndi cholinga chokhacho choteteza zokonda za omwe amagulitsa ndalama ndikuwapatsa tsatanetsatane wachidule pamakhalidwe ndi momwe ndalama zimakhalira.
Ndizofanana kwambiri ndi SAFE- Chida choyika ndalama chomwe chimagwiritsidwa ntchito kwambiri ndi a Angel Investment ndi ma VC omwe amagulitsa zoyambira padziko lonse lapansi.
Izi zimapangidwira makampani omwe ali ndi makampeni oyika ndalama omwe ali ndi mazana kapena masauzande a osunga ndalama.
T-SAFE imapereka gawo lazachuma kwa omwe amagulitsa ndalama poyambira. Komabe, izi sizikhudza maufulu aliwonse. Tsopano, mkhalidwe wandalamawu umatanthawuza CCD(Compulsory Convertible Debenture) panthawi yotulutsidwa. Pambuyo pake, izi zimasinthidwa kukhala chilungamo pakachitika kugula kapena IPO.
Tsopano, T-SAFE imathandizira mitundu inayi yosiyanasiyana ya Zida Zoyika papulatifomu. Tiyeni timvetse mmene amagwirira ntchito.
- CCD- Compulsorily Convertible Debentures ndi zitetezo zomwe zili ndi ufulu wachibadwidwe wofanana ndi wogawana nawo kampaniyo. Komabe, satenga nawo gawo pakuwongolera kapena kumisonkhano yakampani, mosiyana ndi omwe ali ndi masheya. Alibe ufulu wovota, ndipo samawonekera pa kapu.
- CSOP- Community Stock Option Pool ndi chida chopangira ndalama ndi Tyke. Monga ngati ESOP (Employee Stock Option Pool) komwe kampani imapereka mwayi kwa ogwira ntchito pakampaniyo, CSOP imapereka chiwongola dzanja kwa gulu lakampani. Izi zikuphatikiza palibe maufulu ovota kapena malo omwe ali pa tebulo lapamwamba. CSOP ndi njira yabwino yogwirizira gulu la kampani kudzera m'chizoloŵezi ichi. Werengani zambiri za kusiyana pakati pa CSOP ndi CCD.
- NCD- Ngati mukufuna njira yabwino yosungira ndalama, pitani ku Non-Convertible Debentures(NCD). Mitundu iyi yachitetezo cha ngongole yotetezedwa imapereka chitetezo chokwanira kwa osunga ndalama ndikuwapatsa chiwongola dzanja chokhazikika pa nthawi yodziwika. Mumalandira ngakhale ndalama zanu zonse pamene mgwirizano utha. Monga CCD ndi CSOP, NCD sipezekanso pa kapu.
- CCPS- A Compulsorily Convertible Preference Share ndi chitetezo chosakanizidwa chomwe chimapereka ndalama zokhazikika kwa osunga ndalama ndipo amasinthidwa mokakamiza kukhala magawo aequity. Iwo ali ndi ufulu wandalama wofanana ndi omwe amagawana nawo kampani. Komabe, alibe ufulu wovota ndipo samabwera pa tebulo.
Ubwino wa Tyke
1. Yothandiza
Chimodzi mwazabwino zazikulu za Tyke ndikuti imapereka chitetezo cha chikalata chimodzi popanda matani a mapepala ndi machitidwe. Mutha kuyikapo ndalama pakuyambira kwanu komwe mumakonda mkati mwa mphindi ndikumvetsetsa zonse zomwe mwagulitsazo.
2. Otetezeka & Otetezeka
Ndi mgwirizano womwe wachitika pamaziko a T-SAFE, zokonda za omwe amagulitsa ndalama zimatetezedwa nthawi zonse. Mumapeza ufulu wokonda pakampani, zomwe zili bwino kuposa omwe ali ndi masheya zikafika pakubweza ndalamazo.
Kampaniyo ikatha, ndinu oyenera kulandira malipiro anu kaye ndi mgwirizano wa T-SAFE.
3. Zogulitsa Zotsika mtengo
Ayi, simuyenera kuyikanso ndalama zambiri kuti mukhale gawo lazoyambitsa zomwe zikukula. Ndi malonda a Tyke, mutha kuyika ndalama zotsika ngati Rs.5000 kukampani. Izi zimapereka chidziwitso chachitetezo komanso kusinthasintha kuti musinthe mbiri yanu.
4. Pezani Mapindu a Equity Popanda Zovuta Zambiri
Ubwino winanso woyambira ndi Tyke ndikuti umapereka Equity kwa ogwiritsa ntchito atavomerezedwa popanda kukhudza gawo ndi ntchito ya yemwe ali ndi kampaniyo. Simukuyenera kupita kumisonkhano yayikulu ya kampani kapena kusaina zikalata zazikulu.
Ili ndi njira yosavuta yotuluka ku kampani ngati pakufunika kutero ndipo imapereka maufulu ambiri odziwa zambiri kwa Investor.
Momwe Mungasungire Ndalama Mu Tyke
Kuyika ndalama poyambira sikunakhale kosavuta. Zomwe muyenera kuchita ndikusankha zomwe mumakonda, werengani mawu onse, lipirani, ndipo pamapeto pake musayinine mgwirizano wa T-SAFE.
Tiyeni tiwone momwe mungapangire ndalama zanu zoyambirira poyambira ndi Tyke.
1. Pitani ku gawo la Deals kuchokera pa Dashboard ya nsanja
Apa, mutha kuyang'anira ndikuwunika makampani omwe mumawakonda ndikuwerenga tsatanetsatane wa momwe amagwirira ntchito ndi kasamalidwe kawo podina pa iwo.
2. Pamene mutsegula malonda enaake, mudzapeza mwayi wopitilira ndi ndalamazo.
3. Dziwani kuti simungathe kupitilira muyesoyi popanda kutsimikiziridwa ndi KYC yanu. Izi zimawonjezera chitetezo ndi kudalirika kwa onse omwe amagulitsa ndalama komanso kampani.
4. Tsopano, mutha kusankha ndalama zomwe mukufuna kuzigwiritsa ntchito poyambira. Mutha kuwona kuchuluka konse, misonkho, ndi ndalama zomaliza zomwe ziyenera kulipidwa.
5. Mutatha kulipira, mutha kupeza mosavuta ndalama zanu mu gawo lanu la analytics.
6. Chinthu chomaliza chomwe chatsala pomaliza ndalama zanu ndi kusaina mgwirizano wa T-SAFE. Kuti muchite izi, tsegulani mgwirizano wa T-SAFE ndikuyamba kusaina kwa E.
7. Mutha kusankha siginecha yanu ndikumaliza ntchito yonseyo. Osanenanso, zimatenga pafupifupi mphindi 5 kuti amalize ndondomeko yonse yoyika ndalama.
8. Mukalowa mu OTP, mudzatha kutseka bwino mgwirizano ndikukhala gawo la chiyambi chanu choyenera.
Momwe Tyke Standup Against Grip & Klub Imachitira Bwino
Ndi zingapo zomwe mungachite pamsika, zimakhala zosokoneza kusankha nsanja yabwino yoyikapo ndalama. Pakadali pano, gawo lazachuma loyambira likuyendetsedwa ndi makampani atatu-Grip, Klub, ndi Tyke.
Choncho, tiyeni tiyerekezere zonse zitatuzo n’kusankha kuti ndi iti imene ili yosiyana kwambiri ndi ena onse.
Kodi Grip N'chiyani?
Gwirani ndi nsanja ya digito yomwe imalola ogwiritsa ntchito ake kuyika ndalama muzinthu zina zosiyanasiyana. Katundu winawa akuphatikiza ndalama za Lease, Inventory Investment, Commercial Real-Estate Investment, ndi Start-up Equity Investment.
Ndi Grip, mutha kusaina zikalata zonse pa intaneti mosavuta ndikupeza chilichonse mwazinthu zomwe nyumba yanu ili yabwino.
Kodi Club ndi Chiyani?
Ndalama zamtundu wa ogula monga FMCG, mafashoni, ndi zolembetsa.
Mitundu imakhala ndi ndalama zochepa za Rs.15 lakh ndi 60-70% ndalama zonse
Ntchito ya Klub ndi nsanja yoyika ndalama yomwe imagwira ntchito pamakampani ogula kuchokera kumagawo ngati FMCG, Mafashoni, mitundu yolembetsa, ndi zina zambiri. Pulatifomu imalola ogwiritsa ntchito kuyika ndalama mwachindunji muzinthuzi ndikupeza phindu lokhazikika pamwezi. Imaperekanso mtundu wa ogula ntchito zabwino zopezera ndalama komanso maulendo apadera.
Monga tafotokozera kale ndi Tyke, tsopano tifanizira mawonekedwe ndi mapindu a mapulogalamu onse atatu.
Mawonekedwe a Tyke
- Ndalama zoyambira zoyambira ndi Rs.5000 zokha
- Zida zambiri zopangira ndalama
- Pezani zobweza zokhazikika pamwezi
- Amapereka maufulu onse azachuma a eni ake
- Kukwera mwachangu ndi ndalama
Mawonekedwe a Grip
- Kuyika zosankha pazinthu zina kuphatikiza Lease, Commercial Real Estate, Inventory, ndi Start-ups
- Zolemba zopanda mapepala
- Ndalama zochepa zimayambira pa Rs. 10,000 muzinthu zobwereketsa
- Kubweza kwa mwezi uliwonse kwa osunga ndalama
- Malizitsani kusaina mabizinesi anu ndi chizindikiro cha E
Makhalidwe a Klub Works
- Invest in ogula brand
- Werengani nkhani yonse komanso mbiri yazachuma yamakampani
- Pezani pafupifupi 18-25% zobweza pamwezi
- Pezani likulu Logwirizana ndi Revenue popanda kuchepetsedwa
- Amapereka Ndalama za Ngongole
Pambuyo posanthula nsanja zonse zitatu zoyika ndalama, chinthu chimodzi ndi chotsimikizika, India ikuwona kukula kwakukulu m'mabizinesi. Ndizinthu zambiri ndi ntchito zosiyanasiyana, anthu tsopano atha kupanga ndalama mosavuta m'makampani omwe akukwera popanda kukhala ndi ma crores of rupees.
Msika wamsika ukunena kuti 3% yokha ya Amwenye amatenga nawo gawo m'misika. Komabe, vuto loyipali likuwoneka kuti likusinthiratu chifukwa ogulitsa ambiri ogulitsa akuwoneka kuti ali ndi chidwi ndi gawo loyambira ndalama.
Titagwiritsa ntchito nsanja zonse zitatu kwakanthawi, titha kunena kuti amakwaniritsa zofunikira zosiyanasiyana za omwe adayambitsa ndi omwe amagulitsa ndalama. Tiyeni timvetse izi ndi kuyerekezera mwachidule kwa nsanja zonse zitatu.
- Tyke imapereka ndalama zochepa za Rs.5000, zotsika kwambiri pakati pa osewera ena pamsika
- Pulogalamu ya Grip imapereka ndalama za Lease ndi Commercial Real Estate Investing, chinthu chomwe sichipezeka ku Tyke kapena Klub.
- Mapulatifomu onse atatu amapereka zolemba zopanda mapepala komanso kukwera kwaulere.
- Tyke imapereka mwayi kwa osunga ndalama ngati njira, pomwe Klub amalola omwe adayambitsa kukweza ndalama popanda kuchepetsedwa.
- Tyke imayang'ana kwambiri madera omwe akuyamba kumene popereka zida zosinthira ndalama monga CSOP. Klub ndi Grip, amayang'ana kwambiri popereka mwayi kwa ogulitsa ogulitsa ndi ndalama zoyambira ngati zolinga zawo zazikulu.
- Mutha kukhala ndi zotsatsa zambiri pa Grip ndi Klub poyerekeza ndi Tyke pakadali pano
Ponseponse, nsanja zonse zitatuzi ndizabwino m'magawo osiyanasiyana. Ngati mukungofuna kugulitsa ndalama poyambira, ndiye kuti Tyke ikhoza kukhala yoyenera kwa inu.
Koma, ngati mumakhulupirira kugulitsa ndalama za Lease kapena kuyika ndalama m'makampani ogula omwe amapereka mtengo wotsika, ndiye kuti mutha kupita ku Grip kapena Klub nthawi imodzi.
Kutsiliza
Pambuyo poyang'ana nsanja ya Tyke ndikuiyerekeza ndi ochita nawo mpikisano, zikuwonekeratu kuti Tyke amapereka ndalama zotsika mtengo komanso zotsika mtengo kwa ogwiritsa ntchito kuposa Grip ndi Klub.
Ndi zida zake za CSOP ndi CCD, mutha kupanga mabizinesi abwino mwachidwi chanu. Mgwirizano wa T-SAFE womwe umapereka chitetezo ndi kusinthika kosalala kwa zitetezo kukhala zofanana ndi chinthu choyenera kugwiritsa ntchito.
Ponseponse, Tyke amapereka mwayi wambiri kwa oyambitsa omwe akukula komanso ogulitsa malonda kuti apindule kwambiri ndi ndalama zawo. Ndidziwitseni zomwe mukuganiza za nsanjayo komanso ngati mudzayika ndalama zanu papulatifomu kapena ayi.
FAQs
Kodi ndizotetezeka kuyika ndalama poyambira?
Kuyika ndalama poyambira kumabweretsa chiwopsezo chachikulu kwa woyimilirayo. Pazochitika za kutha kwa kampani, pali mwayi woti mutaya ndalama zanu zazikulu. Chifukwa chake, ndikofunikira kuwerengera ziganizo zonse zisanachitike.
Kodi pali wina aliyense amene angayikepo ndalama poyambira?
Zapita nthawi zomwe VCs ndi Angel Investors okha anali ndi madzi onse kuchokera kumakampani omwe akukwera. Ndi kukhazikitsidwa kwa nsanja zoyambira ndalama zoyambira ngati Tyke, mutha kuyika ndalama zoyambira zomwe zalembedwa papulatifomu ndi ID yovomerezeka ya boma komanso zaka zosachepera 18.
Kodi ndizovomerezeka kuyika ndalama poyambira?
Ndizovomerezeka kwathunthu kuyika ndalama poyambira mdziko muno. Komabe, sichinalamulirebe.
Kodi ufulu wanga ngati wochita bizinesi ku Tyke ndi chiyani?
Muli ndi maufulu angapo mukakhala wogulitsa pa Tyke. Zomwe zili kumanja zimakulolani kuti mulandire tsatanetsatane wa kampaniyo, momwe idagwirira ntchito m'mbuyomu, ndi ndalama zomwe kampaniyo idapeza. Mumapeza ufulu wazachuma ndi zomwe mwagulitsa, zomwe zikutanthauza kuti mutha kugulitsa ndalama zanu mosavuta m'misika yachiwiri kapena palimodzi pakakhala 100% kugula kampaniyo.
Kodi ndingalankhule ndi oyambitsa kampani yomwe ndikuyikapo ndalama?
Inde, ndi mawonekedwe amtundu wa Tyke, mutha kulumikizana mosavuta ndi omwe adayambitsa makampani ndi ena omwe amagulitsa ndalama.
Siyani Mumakonda