Malonda aboma ndi imodzi mwandalama zokhazikika chifukwa alibe chiwopsezo ndipo amatsimikizira kubweza kokhazikika pazachuma chaka chilichonse.
Imatsimikiziranso kubweza kwathunthu kwa ndalama zogulira ndalama pamene bondi ya boma ikhwima.
Pofuna kupititsa patsogolo mwayi wopeza chitetezo chaboma chotere, Prime Minister waku India posachedwapa adakhazikitsa RBI's Retail Direct Investment Scheme.
Dongosololi limalola osunga ndalama ang'onoang'ono kuti azitha kuyikapo ndalama mumitundu yonse yamaboma aboma ndi boma ndi zobweza zotsimikizika.
Kodi Retail Direct Scheme ndi chiyani?
The Retail Direct Investment Scheme ndi ntchito yomwe boma la India likuchita kuti athandize ogulitsa malonda kuti azigulitsa ndalama zaboma mwachindunji, popanda vuto lililonse.
Ma bond aboma amatha kugulidwa ndikugulitsidwa pa intaneti.
Ndalama zocheperapo mu RBI retail Direct scheme ndi Rs 10,000 ndipo ndizochulukitsa.
Zitetezo za Boma Lapakati, mabilu a Treasury, ndi Boma la Boma zitha kugulidwa pansi pa dongosololi pa intaneti.
Zomwe mukufunikira ngati wogulitsa ndalama ndikutsegula akaunti ya Retail Direct Gilt ndi Reserve Bank of India.
Kuchuluka komwe mutha kuyika ndalama pabizinesiyi ndi ma crore rupees awiri.
Oyamba ogulitsa, makampani omwe kugula ma bond aboma molunjika kuchokera ku boma ndikugulitsa kwa osunga ndalama, akuyembekezeka kubwera ndi ma quotes ogula ndikugulitsa posachedwa kuti azitha kugula ndi kugulitsa masheya aboma mumsika wachiwiri wama bond.
Kuyambitsa Retail Direct Investment Scheme mu Msika waku India
Nthawi yoyamba yomwe chiwembuchi chidatchulidwa chinali mu February 29021, pansi pa zosintha zandalama zaku India.
Komabe, pa 12 Novembara, Prime Minister waku India adakhazikitsa dongosololi, nati "Retail Direct Scheme ipereka mphamvu pakuphatikizidwa kwa aliyense pazachuma chifukwa ibweretsa anthu apakatikati, ogwira ntchito, mabizinesi ang'onoang'ono ndi akuluakulu omwe ali ndi udindo wawo. ndalama zing'onozing'ono mwachindunji ndi chitetezo m'mabungwe aboma. "
Asanayambe chiwembu ichi, ndalama zazikulu zamabungwe, kuphatikiza ndalama zonse makampani, makampani a inshuwaransi, mabanki, ndi mabungwe ofanana ndi omwe amalamulira kwambiri msika wa Indian Bond. Izi sizinasiyire mpata wochuluka kwa ogulitsa malonda ang'onoang'ono kuti atenge nawo mbali m'boma la boma kwa iwo eni.
Komabe, ndi chitetezo cha boma chomwe chimapereka chimodzi mwazinthu zazikulu kwambiri pamsika wokhazikika chifukwa cha mawonekedwe ake opanda chiwopsezo, ndi chimodzi mwazinthu zosinthika zomwe zingathandize kuti ogulitsa malonda azipeza ndalama zokhazikika munthawi yonseyi yogulitsa.
Chifukwa chake, kukhazikitsidwa uku ndizomwe zikuyembekezeredwa kwambiri, zomwe sizingapindulitse boma pokhapokha pokweza ndalama komanso osunga ndalama omwe adzalandira chiwongola dzanja chotsimikizika.
Kodi RBI's Retail Direct Gilt Account ndi chiyani?
Onse ogulitsa malonda omwe akufuna kulowa mumsika wachitetezo cha boma ndikusangalala ndi mapindu omwe ali nawo atha kutero potsegula ndikusunga Akaunti ya Retail Direct Gilt ndi Reserve Bank of India.
Kudzera muakaunti iyi, atha kuyika ndalama mwachindunji mu g-secs komanso kuwonetseredwa ndi RBI Retail Direct Investment Scheme.
Otsatsa adzapeza mwayi wopeza misika yoyamba ndi yachiwiri.
Pamsika woyamba, azigula mwachindunji kuchokera ku Receiver Bank of India. Pomwe, pamsika wachiwiri, azitha kugula zitetezo za boma kuchokera kwa osunga ndalama ena pamtengo wamsika womwe ukupitilira.
Akaunti ya RDG idapangidwa makamaka kwa RBI Retail Direct Investment scheme ndipo imangofunika njira zingapo zosavuta kuti zitsegulidwe pa intaneti.
Onse omwe adalembetsa nawo ndalama zoyambira akhoza kupeza zoyambira za g-sec pamodzi ndi Negotiating Dealing System Order Marching Systems (NDS-OM) nawonso.
NDS-OM kwenikweni ndi makina amagetsi/pa intaneti omwe amafanana ndi maoda pamsika wachiwiri wachitetezo cha boma.
Pogwiritsa ntchito Retail Direct Gilt Account, munthu atha kuyika ndalama m'mabondi apakati aboma, Boma la India Treasury Bills, State Development Loans (SDLs), State Bond Bond, komanso Sovereign Gold Bond panthawi yomwe yakhazikitsidwa.
Pomaliza, ngati tilankhula za zopindula ndi Retail Direct Gilt Account, phindu lalikulu lidzawerengedwa pazitetezo zonse zomwe mumagwira / kugulitsa mchaka chandalama ngati mutasankha kuyika ndalama molunjika kwa g-sec.
Komabe, mukamagulitsa / kugulitsa ndi Gilt mutual funds, phindu lalikulu lidzawerengedwa panthawi yomwe mumagwiritsa ntchito ma unit units, ziribe kanthu kuchuluka kwa malonda omwe akuchitidwa panthawi ya kayendetsedwe ka ndondomeko.
Ndani angalembetse ku Akaunti ya Retail Direct Gilt?
Magulu atatu a anthu oyenerera kuti adzalembetse pulogalamuyi ndi awa:
- Malinga ndi ndondomekoyi, onse ogulitsa malonda ali oyenera kulembetsa ndondomekoyi ndikusunga akaunti ya Retail Direct Gilt. Ayeneranso kukhala ndi nambala ya akaunti yokhazikika (PAN), nambala yafoni yolembetsedwa, akaunti yakubanki yosungira ndalama ku India rupee, ndi adilesi yovomerezeka ya imelo kuti athe kuyika ndalama kudzera mu Retail Direct Investment Scheme.
- Munthu atha kutsegula akaunti ya Retail Direct Gilt payekhapayekha kapena molumikizana ndi wogulitsa malonda wachiwiri yemwe angakwaniritse zomwe zanenedwa pamwambapa.
- Anu omwe sakhala m'nyumba yogulitsa malonda akuyeneranso kuyika ndalama zawo m'boma ngati zambiri zawo zikugwera pansi pa Foreign Exchange Management Act (1999).
Ubwino woyika ndalama kudzera mu Retail Direct Investment Scheme
- Dongosololi lidzalola osunga ndalama onse, akulu kapena ang'onoang'ono, mwayi woyika ndalama mwachindunji muzotetezedwa zaboma ndikupindula nazo.
- Dongosololi ndi njira imodzi yokha yomwe imathandizira osunga ndalama kuti alowe m'misika yachitetezo cha boma komanso yachiwiri.
- Posachedwa, NDS-OM ikhazikitsa njira yosamvetseka momwe ogulitsa malonda aziloledwa kuchita malonda enaake, zomwe sizidzafuna kuti ndalama zawo ziziyikidwa mu chida chimodzi chokha.
- Dongosololi lilola osunga ndalama kuti agulitse zitetezo zaboma monga momwe angafune, popanda zoletsa zilizonse.
- Malonda aboma alibe chiopsezo chilichonse ndipo amapereka kubweza kotsimikizika kwa osunga ndalama.
- Ndondomekoyi idzalolanso kuti onse omwe ali ndi ndalama azitsegula ndikusunga akaunti ya chitetezo cha boma popanda ndalama zowonjezera.
- Pali kuthekera kwa ogulitsa ogulitsa kuti alandire phindu lamisonkho pakuyika ndalama zawo kuchitetezo cha boma.
Kodi mungasungire bwanji ndalama zachitetezo cha boma kudzera mu dongosololi?
- Pitani ku RBI Retail Direct pa intaneti ndikutsegula akaunti ya Retail Direct ndi RBI.
- Lembani fomu yapaintaneti ndikutumiza mawu achinsinsi omwe mumalandila pa nambala yanu yam'manja yolembetsedwa
- Dzilembetseni nokha kuti mupeze zitetezo za boma pamsika woyamba.
- Tsatirani mwatsatanetsatane zomwe mumalandira ndi imelo ID yanu yovomerezeka
- Mukalembetsa bwino, mutha kugula ma bond aboma pamsika woyambira kudzera muzogulitsa zangongole zoyambirira kapena pamsika wachiwiri womwe.
- Kugulitsa kwa ma bond kumachitika Lachisanu lililonse ndi woyang'anira ngongole zaboma, Reserve Bank of India
- Mutha kulipira zogulira ma bond kudzera mu UPI kapena mabanki opezeka ndi portal.
- Ndalamazo zimachotsedwa pamene bid yatumizidwa
Kodi ma bond aboma ali bwanji pano?
Pakadali pano, pafupifupi 97 zotetezedwa ndi boma ndizokhazikika zomwe zimakhala pakati pa miyezi 3 mpaka zaka 40.
Zotetezedwa zonsezi zidaphatikizidwa mpaka pafupifupi 79 lakh crore rupees. Boma laling'ono la India likuyembekeza kubwereka ndalama zokwana pafupifupi 12 lakh crore rupees popereka ma bond aboma kwa omwe akugulitsa mabungwe ndi ogulitsa.
Chiwembuchi chitangoyamba, panali anthu ambiri olembetsa m'maola ochepa chabe. Kulembetsa kwa 12,000 kunachitika ndikutengapo gawo mwachangu kuchokera kwa osunga ndalama omwe ali ndi Sovereign Gold Bonds.
Mapindu Ogulitsa Msika Wachiwiri kudzera mu RD Investment Scheme
Dongosolo latsopanoli limapereka mwayi kwa osunga ndalama kumsika wachiwiri, womwe anthu ambiri amasangalala nawo. Izi ndichifukwa choti kuyika ndalama zamsika zachiwiri kumadziwika kuti kumapereka phindu lalikulu pakanthawi kochepa.
Momwemonso, kuyika ndalama m'mabizinesi a boma kudzera mumsika wachiwiri kulinso amalonda azaka zatsopano kuti athe kupeza phindu lalikulu munthawi yochepa.
Otsatsa atha kulowa pa msika wachiwiri wa g-sec kudzera pa banki yayikulu pa intaneti. Chidziwitso chochokera ku Clearing Corporation of India Ltd. chidzaperekedwa kwa aliyense amene akugulitsa msika wachiwiri.
Pambuyo pake, kuguba, ndi zopempha mwakachetechete zitha kufikiridwa ndi osunga ndalama pa intaneti.
Otsatsa amatha kuyika, kugula, ndikugulitsa maoda kudzera muakaunti yawo yogulitsa mwachindunji gilt. Izi zikuyenera kuchitika akatumiza ndalamazo kudzera munjira yolipira pa intaneti. Ku retail portal. Momwe akaunti yanu imasungira ndalama zitha kugwiritsidwa ntchito pogula ma g-sec nthawi yomweyo.
Pamapeto pake, wochita malonda akhoza kuthetsa malondawo potengera T + 1, zomwe zikutanthauza kuti tsiku limodzi pambuyo pa tsiku la malonda.
Ndiye, kodi ino ndi nthawi yoyenera kuyikapo ndalama pazitetezo za boma pompano?
Mutha kuyembekezera kugula chomangira chokhazikika mpaka kukhwima munthawi yamakono, chifukwa zikuyembekezeka kukupulumutsani kukusakhazikika kwa msika ku msika. Idzakhala kubetcha koyenera kwa iwo omwe amayang'ana kubweza kosasunthika komanso chitetezo chachikulu pomwe akugulitsa.
Komabe, popeza ndondomekoyi yangoyamba kumene, kuyembekezera pafupifupi 4 kwa miyezi 6 ndi nthawi yokwanira yofufuza komwe msika ukuyenda komanso momwe ukugwirira ntchito.
Kupambana kwa RBI Retail Direct Investment scheme kudzadalira kuchuluka kwa ma bond awa pomwe wogulitsa abwera kudzagulitsa komanso ngati angagulitse pamtengo wopindulitsa.
Pakadali pano, aliyense amene asankha njira yachindunji imeneyi yolowera mumsika wachitetezo chaboma ayenera kudziwa bwino za msika ndi zinthu zonse zomwe zimakhudza ndikusuntha mitengo yazitetezozi.
Akulangizidwanso kuti aphunzire zambiri za zomwe boma likuchita, lachita, komanso likukonzekera kuchita, kuti adziwe momwe boma lilili pano. Ngati mwangoyamba kumene kuyika ndalama, kupeza thandizo la akatswiri kudzakuthandizani kupanga zisankho zabwinoko komanso zanzeru pakuyika ndalama.
Nawa maulalo ovomerezeka a RBI Retail Direct Scheme ngati mungafune zambiri:
Siyani Mumakonda