Gulani tsopano, kulipira pambuyo pake ndi malo omwe atengedwa pamisika yapaintaneti posachedwapa. Kuyambira pamapulogalamu ndi m'misika mpaka pamakhadi angongole - aliyense akubwera ndi malingaliro opatsa anthu kugula pangongole.
Chimodzi mwazinthu zatsopano zomwe zapangidwa m'mundamo ndi Khadi la Uni, khadi lomwe limakupatsani mwayi wogula tsopano ndikulipira pambuyo pake - pafupifupi ngati kirediti kadi, koma ndi nthawi yayikulu.
Tiyeni timvetsetse zonse zomwe khadili limapereka komanso zomwe zimapangitsa kuti ikhale yosiyana ndi mapulogalamu ena ndi makhadi angongole pamsika.
Kodi Uni Card ndi chiyani?
ogwirizana akhazikitsa khadi langongole loyamba lomwe limathandiza ogula kugula tsopano ndikulipira pambuyo pake.
Ogwiritsa ntchito a Uni amatha kulipira ndalama zonse zomwe adawononga m'mwezi umodzi m'magawo atatu osiyanasiyana, m'miyezi itatu, kuti asabwezere ngongole yonse nthawi imodzi.
Ubwino wa khadi la Uni ndikuti mumabwereka ndalamazi popanda chiwongola dzanja kapena mtengo uliwonse, ndiye kuti ndi zaulere kugwiritsa ntchito.
Kodi khadili ndi laulere popanda ziganizo ndi zikhalidwe zilizonse?
Chabwino, inde. Ndalama zokhazo zomwe muyenera kulipira ndi zolipira mochedwa, zomwe zimagwira ntchito mukadumpha kulipira pamwezi. Kupatula apo, khadi ikhoza kugwiritsidwa ntchito kwaulere malinga ndi malire omwe alipo.
Yakhazikitsidwa ndi Uniorbit Technologies, khadiyo imagwira ntchito ndi RBL Bank ndipo ikupereka ntchito zaulere kwa chaka chimodzi mpaka tsiku lomaliza la Januware.
Khadi yokhala ndi dzina la Visa imachotsa zovuta zolipira pa intaneti komanso pa intaneti chifukwa khadiyo imatha kugwiritsidwa ntchito pamasamba osiyanasiyana komanso malo ogulitsa omwe amalandila makhadi a Visa.
Kuonjezera apo, ngati mwasankha kulipira ngongole yonse pamodzi, khadi la Uni lidzakupatsaninso 1% kuchotsera pamtengo wonse.
Uni Card Features
Gwiritsani ntchito limodzi, lipirani magawo
Ndi makhadi a Uni, mutha kugwiritsa ntchito ndalama zambiri momwe malire amaloleza pakapita nthawi osadandaula za kulipira.
Kenako, mutha kubweza wobwereketsayo magawo atatu osiyanasiyana m'miyezi itatu yosiyana popanda chiwongola dzanja chilichonse. Zimakhala ngati khadi la ngongole zomwe zimakupatsani mwayi wobweza nthawi iliyonse yomwe mukufuna popanda kulipira china chilichonse.
Zobweza ndalama
Mosiyana ndi makhadi ambiri, Uni imapereka kubweza ndalama ndi kuchotsera kwa ogwiritsa ntchito akalipira zonse.
Chifukwa chake, ngati mukuwona kuti mutha kulipira chilichonse chomwe mwawononga nthawi imodzi, muli ndi kuchotsera 1% kapena kubweza ndalama kuchokera kukampani!
Zosankha zazitali za EMI
Ngati simungathe kubweza gulu la Uni khadi mu magawo atatu pamiyezi itatu, mutha kusankha zosankha zosinthika za EMI.
Uni imakhulupirira kupatsa aliyense wogwiritsa ntchito nthawi yomwe amafunikira, kotero wogwiritsa ntchito amatha kusankha mapulani otsika mtengo a EMI kuyambira 6 mpaka 18 miyezi.
Zero mtengo wojowina
Palibe zolipiritsa kapena zolipiritsa zobisika zomwe zimakhudzidwa kuti mulowe nawo ku Uni khadi ndikusangalala ndi zabwino zake.
Mutha kulembetsa, kugwiritsa ntchito ntchitozo, ndikungolipira zomwe mumagula. Uni salipira ngakhale ndalama zolipirira chaka chilichonse kwa ogula awo oyambilira.
Chiwerengero cha 99.9% chovomerezeka
99.9% ya amalonda ku India konse amavomereza khadi la Uni Pay 1/3 pogula kingongole ndi ngongole.
Zomwe muyenera kuchita ndikusanthula nambala ya QR ndikudikirira kuti ntchitoyo ichitike kudzera ku Uni gulani pulogalamu yolipira pambuyo pake.
Lipirani 1/3rd ndikusangalala ndi zonse
Kuchokera ku malonda a mafashoni, golosale, ndalama zamagetsi ku mankhwala ndi kuponya phwando - chirichonse chimaphimbidwa pansi pa khadi la Uni Pay pa 1/3rd ya mtengo wonse.
Zina zonse zitha kuthetsedwa pambuyo pake malinga ndi kufunitsitsa kwa kasitomala.
Kuwonekera
Chilichonse chomwe chimachitika ndi Uni ndi pulogalamu yake chimawonekera kwa ogwiritsa ntchito popanda fyuluta iliyonse.
Ngati chindapusa chilichonse kapena zolipiritsa zikugwiritsidwa ntchito popanda kukudziwitsani pasadakhale, pali chitsimikizo cha 100% chobwezera ndalama chomwe Uni amalipira.
Gulu lothandizira lamphamvu
Chilichonse chatsopano chimafunikira thandizo lolimba, ndipo Uni Pay imapereka zomwezo.
Gulu lawo lothandizira limapezeka usana ndi usiku, ndipo mutha kuwafikira kudzera pa imelo kapena pa WhatsApp ya bizinesi kuti muchotse mafunso omwe mungakhale nawo. Avereji ya nthawi yawo yoyankha ndi maola ochepa tsiku lililonse.
Security
Zidziwitso zonse zomwe mumayika pa pulogalamu ya Uni Pay ndizotetezedwa ndikubisidwa kuti zitsimikizire kuti zidziwitso zanu zonse zimakhala zotetezeka nthawi zonse.
Palibe amene angapeze zinsinsi zanu kupatula inu, ngakhale gulu la Uni.
Mapindu a Uni Pay
- Imapereka mapulani osinthika a EMI olipira.
- Mphotho ndi kubweza ndalama zimaperekedwa ngati malipiro aperekedwa mokwanira komanso munthawi yake.
- Zimangofunika kuti muzilipira 1/3rd ya malipirowo panthawi imodzi.
- 24 * 7 chithandizo chamakasitomala chopezeka pa imelo, macheza, ndi mafoni.
- Kuwongolera kwamakhadi ndikosavuta kuyendetsa.
- Zochita zonse zimawoneka pa pulogalamu ya Uni, ndipo malire amatha kukhazikitsidwa malinga ndi zomwe mukufuna.
- Zikumbutso zingapo zamabilu zimatumizidwa chiwongolero chilichonse chisanachitike pafoni yanu ndi imelo.
- Ngati mutawona zadzidzidzi, mutha kutseka Uni khadi kudzera pa pulogalamuyi ndikudina kamodzi ndikupewa chinyengo chilichonse.
- Palibe zolipiritsa zojowina kapena pachaka.
Thandizo lamakasitomala a Uni Card
Mukangoyendera tsambalo kapena kutsitsa pulogalamuyo ndikutchula zambiri zomwe zikuwonetsa chidwi chanu pakhadi, gulu la Uni limakutumizirani imelo yakulandirani kuntchito zawo.
Mukamaliza kukhazikitsa akaunti, mutha kusiya mafunso anu kudzera pa imelo kapena kucheza ndi magulu ndikuyembekeza kuyimbiranso pakangopita maola angapo.
Gulu lawo lothandizira limagwira ntchito kwambiri ndipo limapezeka usana ndi usiku kuwonetsetsa kuti mumathandizidwa nthawi iliyonse masana kapena usiku popanda zovuta.
Ndani ali woyenera kulandira khadi la Uni Pay?
Kuti mupeze khadi yolipirira ya Uni, muyenera kukhala nzika yaku India yopitilira zaka 18.
Kukhala ndi zabwino mphambu ngongole sichofunikira, koma ngati mutero, mutha kusangalala ndi malire apamwamba angongole pamakhadi omwe angakuthandizeni kugula zambiri tsopano ndikulipira ndalamazo m'magawo atatu pambuyo pake.
Komabe, ngati mwamwayi mutaphonya kulipira pa pulogalamu ya Uni, sizingakhudze kuchuluka kwanu kwangongole mwanjira iliyonse chifukwa mabungwe onse ndi odziyimira pawokha.
Muyeneranso kuwonetsetsa kuti adilesi yotumizira yomwe mwayika kuti mulandire khadi yanu ikuyenera kugwiritsidwa ntchito ku gulu la makadi a RBL kapena Uni.
Pakali pano, satumiza makadi kumizinda yaing’ono. Nambala zam'manja zolumikizidwa ndi PAN, Aadhar, ndi Aadhar ziyenera kukhala zovomerezeka ngati lamulo lokakamiza.
Malire a kirediti kadi ya Uni
Uni imapereka imodzi mwamaliredwe apamwamba kwambiri angongole kwa ogwiritsa ntchito ngati ali oyenerera chimodzimodzi. Mutha kulandira ngongole zapamwamba potsimikizira Uni ndi masukulu anu angongole.
Ngati ili ndilo khadi lanu loyamba, mukhoza kulandira malire otsika, koma pamene mukuyamba kugwiritsa ntchito ndikulipira panthawi yake, malirewo akuwonjezeka pakapita nthawi.
Khadi imapereka malire kulikonse pakati pa Rs 20,000 mpaka Rs 600,000.
Khadi likaperekedwa kwa inu, mutha kupemphanso kuti muwonjezere malire a ngongole pakadutsa miyezi isanu ndi umodzi.
Komabe, ngati simugwiritsa ntchito khadi kwa chaka molunjika, gulu la Uni limaletsa khadi yanu, kumva kuti mulibe ntchito. Pankhaniyi, muyenera kulembetsanso khadi, yomwe ilinso njira yopanda msoko.
Momwe mungalembetsere Khadi la Uni: Chitsogozo cha Stepwise
- Tsitsani pulogalamu ya Uni 1/3 khadi kapena pangani akaunti kudzera pawo webusaiti.
- Dinani pa batani lomwe likuti 'yambani' ndikutchula dzina lanu, nambala yafoni, ndi imelo ID.
- Nambala yanu yam'manja iyenera kulumikizidwa ndi nambala ya khadi lanu la Aadhar kuti mutsimikizire.
- Nambala yanu yam'manja ikatsimikiziridwa, dinani batani loyenera kuti mupite patsogolo.
- Lowetsani zambiri za khadi lanu la PAN monga dzina lonse, nambala ya PAN, tsiku lobadwa, ndikudina batani la 'lotsatira'.
- Sankhani jenda lanu ngati sitepe yotsatira ndikudina 'pitirizani.'
- Sewero lotsatira lomwe liziwoneka lifunsa za momwe mukugwirira ntchito. Sankhani yomwe ili yowona ndikudina batani la 'chengani kuyenerera tsopano'.
- Mukadina batani, chinsalu chokhala ndi ngongole yanu ndi malire chidzawoneka kuti muwone ngati ndinu woyenera kulandira khadi.
- Malizitsani KYC yanu pokanikiza batani la Start KYC ndikutsatira njira zitatuzi.
- KYC ikatha, ikani pini ya manambala anayi kuti muteteze zidziwitso zonse ndikudina batani la muvi mukangokhazikitsa mawu achinsinsi.
- Tengani selfie kuti mutsimikize kuti ndinu ndani ndikumaliza KYC.
- Lowetsani adilesi yakunyumba kwanu komwe mukufuna kulandira khadi.
- Lembani zambiri za adilesi yotumizira kuti mulandire khadi ndikumaliza njira yanu ya KYC.
Kodi Uni card ili bwino bwanji kuposa makhadi a kirediti kadi?
- Khadi la Uni silikufuna kuti mukhale ndi ngongole yofunikira, zomwe ma kirediti kadi ena ambiri amachita.
- Ndi khadi la Uni, mutha kulipira zonse kapena pang'onopang'ono momwe mukufunira, koma ndi makhadi a kirediti kadi, muyenera kulipira ndalama zonse pamodzi kapena kugula malonda pa EMI.
- Khadi la Uni sililipira chilichonse, pomwe makhadi ambiri amalipira mtengo wojowina ndi kukonza.
- Ndi Uni, mutha kukhala ndi pafupifupi 7.5% ya ndalama zonse zomwe zatsala, zomwe zimangokhala 5% pama kirediti kadi ena.
- Ndalama zikapititsidwa patsogolo mukalipira ndi Uni, chindapusa cha 5.5% chimaperekedwa. Pomwe, makhadi a ngongole amalipiritsa chiwongola dzanja pa ndalama zonse zomwe sanalipidwe.
- Uni salipira chiwongola dzanja chilichonse pamalipiro ochedwa, koma ma kirediti kadi amatero.
Uni Card FAQ
Ndi masiku angati munthu amalandira khadi lake KYC itamaliza?
Zimatenga masiku atatu chivomerezo kuti wosuta alandire khadi lawo.
Kodi ndizotheka kuwonjezera ndalama kuchokera ku Uni khadi kupita ku wallet ya digito?
Ayi, mutha kulipira mwachindunji kwa wamalonda kudzera pa Uni khadi ndipo osagwiritsa ntchito kuwonjezera zikwama zanu.
Kodi ndalama zolipirira mochedwa ndi zingati?
Pafupifupi 20% ya ndalama zomwe sizinalipidwe zimaperekedwa ngati chindapusa mochedwa. Chifukwa chake, ngati muli ndi ndalama zokwana Rs 10,000, ma Rs 2,000 azilipiridwa ngati chindapusa ngati simulipira pa nthawi yake.
Kodi Khadi la Uni lingagwiritsidwe ntchito kuti?
Khadi lingagwiritsidwe ntchito pamasamba onse a pa intaneti ndi malo ogulitsira omwe amathandizira kulipira kudzera pamakhadi a Visa.
Kodi Khadi la Uni ndi laulere kwa moyo wanu wonse?
Inde, ngati mungalembetse khadi ili pompano, mutha kupeza mwayi waulere wa moyo wanu wonse mpaka pa 31 Januware.
Mutha kulembetsa ku Uni Card pano →
Kutsiliza: Kodi muyenera kulemba liti khadi ili?
Khadi la Uni 1/3rd silingalowe m'malo mwa kirediti kadi chifukwa silibwera ndi mphotho ndi maubwino ena omwe ma kirediti kadi amapereka.
Komabe, ngati ndinu munthu amene mukufuna kukhala ndi ndalama zambiri polipira zinthu, khadi ili ndi lanu.
Mutha kulembetsanso khadi ili ngati simunathe kudzipezera nokha kirediti kadi mpaka pano chifukwa cha zifukwa zambiri.
Popeza njira yopezera khadi ya Uni ndiyosavuta komanso yowongoka kuposa yopezera kirediti kadi, zimakhala zosavuta kugwiritsa ntchito mankhwalawa. Mutha kupanga mbiri yolimba yangongole pa Uni khadi ndikufunsira makhadi a kingongole pambuyo pake.
Khadili litha kusungidwanso ngati chosungira ku kirediti kadi nthawi yomwe simukufuna kulipira ndalama zonse zomwe zagwiritsidwa ntchito kamodzi mwezi ukatha.
Mutha kusuntha khadili kuti mugule zinthu zomwe sizimabwera ndi EMI ndikulipira malondawo pambuyo pake m'magawo atatu mosavuta.
Siyani Mumakonda