Mumadziwa kuyika ndalama mu equities, mutual funds, ndi misika yamasheya. Koma chiphunzitso cha mitundu yosiyanasiyana ya mbiri chimatiuza kuti 95% ya zobweza za mbiriyakale zimachokera kumitundu yosiyanasiyana pakati pamagulu ena.
Ndalama zokhazikika kapena ma bond, nyumba zogona ndi zamalonda, kubwereketsa katundu, zosungira, ndalama zogulira ndalama, kapena kuyika angelo m'makampani zimapereka zinthu zina zomwe zimasiyanitsa mbiri yanu kupitilira katundu wamba monga equities ndi golidi.
Ndalama zina zam'mbuyomu zidaperekedwa kwa anthu opeza ndalama zambiri omwe ali ndi matikiti ochulukirapo a ndalamazo.
Wint Wealth and Grip Invest ndi njira zina zopezera ndalama zomwe mungathe kuyikamo ndikusiyanitsira mbiri yanu pazinthu zomwe sizikugwirizana.
Munthawi zosasinthika, kuyika ndalama m'mabizinesi ena ndi njira yabwino yochepetsera chiopsezo.
Kodi lingaliro lalikulu la bizinesi ya Wint ndi Grip ndi liti?
Wint apanga njira yowonjezereka yothandizira kuzama kwa msika wa ma bond ku India kudzera mukutenga nawo gawo.
Ku India, kuyika ndalama kumsika wama bond kumangokhala ku mabanki amalonda ndi ma bond mutual funds. Wint amayang'ana ma bondi a mabungwe apadera kapena ngongole zabwino zamakampani, zomwe zimapereka zokolola zambiri.
Mukayika ndalama kudzera mu thumba la bond, zokolola za bond mutual fund zimachepetsedwa ndi chindapusa choyang'anira chuma cha Fund Manager ndi ndalama zina zogwirira ntchito.
Monga momwe ma bond fund amabwereranso amakhoma msonkho, simupeza kubweza kwakukulu pama bond. M'mbuyomu, ndalama zochepera zinali zazikulu pogula ma bond, okhazikika pa Rs. 10 Lakhs pa bond. Izi zikutanthauza kuti simunathe kupanga mbiri yanu ya bond kudzera ndalama zachindunji.
Kuzizira zimakupangitsani kuti muthe kugulitsa mwachindunji mu ma bond posunga ma bond muzochepera zing'onozing'ono zoyenera kwa ogulitsa malonda. Wint imakupatsani mwayi woyika ndalama mwachindunji mu ma bond operekedwa ndi NBFC, omwe amakhala ndi zokolola zambiri ndi ndalama zochepa zokwana Rs 10,000.
Kupatula ndalama zokwezeka pang'ono zomwe mumalipira pogula bondi, misonkho yokhayo ingachepetse zokolola zanu zonse. Izi zimapereka kufalikira kwakukulu poyerekeza ndi ma depositi akubanki wamba, kuphatikiza zili ndi mwayi wopanga ndalama zokhazikika.
Gwirani, mosiyana, imapereka maiwe otetezedwa ngati kubwereketsa katundu, zosungira, nyumba ndi zomangidwa ndi venture capital ndi zoyambira zoyambira. Apanso, zinthu izi zimaperekedwa pamalonda ocheperako, zomwe zimapangitsa kuti ndalama zikhale zosavuta.
Onsewa ndi nsanja zapaintaneti za fintech zomwe zimapereka ndalama zina zomwe zimasungidwa kuti zikhale zocheperako zomwe wogulitsa pang'ono angatenge nawo gawo.
Chilengedwe chandalama zoperekedwa ndi iwo ndikuchoka pamabizinesi wamba, omwe amadziwika kwa inu ndipo amapereka mwayi wosiyanasiyana wa mbiri yanu komanso momwe amapezera ndalama.
Mandalama awo amapereka njira zopezera ndalama nthawi zonse, kupatula ndalama zachinsinsi, pomwe zobwezazo zimangopezeka pa IPO komanso kundandalikidwa pamsika.
Kusiyana Kwakukulu Pakati pa Wint ndi Grip
S.No | Zambiri | Kuzizira | Gwirani |
1 | Mtundu wa ndalama | Senior, Secured Bonds of NBFCs | Kubwereketsa katundu wotetezedwa, masheya ndi malo ogulitsa zonse zimathandizidwa ndi chuma, komanso ndalama zoyambira / zoyambira. |
2 | Zachuma Chochepa | Rs 10,000 | Zimasiyana ndi Rs. 10,000 pakubwereketsa katundu ndi zinthu zomwe zikukwera mpaka ma Rs. 1,00,000 yogulira malo ogulitsa nyumba ndi ma venture capital |
3. | Chitetezo/Chikole | Ma bond ndi ma bond akuluakulu kutanthauza kuti amathandizidwa ndi chikole ndipo amakhala woyamba pakubweza chiwongola dzanja ndi kubweza ngati kampaniyo yatha. | Kubwereketsa katundu, zosungira, ndi malonda zimathandizidwa ndi katundu, zomwe zikutanthauza kuti amalipira kuchokera kumayendedwe a ndalama za katunduyo. Capital capital kapena capital capital ndi yowopsa ndipo imadalira kunyamuka bwino kwa bizinesiyo |
4 | Malingaliro a Investment | Nthawi zambiri mpaka zaka ziwiri. | Mitundu yosiyanasiyana imaperekedwa, ndalama zoyambira kuyambira 1 mpaka 6 mwezi ndi kubwereketsa kothandizidwa ndi katundu kuyambira miyezi 24 mpaka 36. Kugulitsa nyumba ndi nyumba kumakhala ndi nthawi yayitali, ndipo capital capital ndi capital capital ndi nthawi yayitali mpaka kutuluka kwa ndalamazo. |
5 | Malipiro obweza | Malipiro a chiwongola dzanja akhoza kukhala theka la chaka kapena kotala. | Ndi malipiro apamwezi pakakhala zobwereketsa zothandizidwa ndi katundu kapena zosungira, malo ogulitsa nyumba amalipira zokolola pakota, ndipo pankhani ya capital capital, kubweza kumakwaniritsidwa kutengera kuchuluka kwa chitetezo kumapeza pamndandanda. |
6 | Zotuluka | Zokolola zitha kukhala pafupifupi 11% pa msonkho usanachitike | Kubwereketsa kothandizidwa ndi katundu kumapereka zokolola mpaka 21% pa msonkho usanachitike, zosungira zimapereka zokolola 12% za msonkho usanabwere, nyumba zamalonda zimapereka 11% msonkho usanachitike, ndipo capital capital ikhoza kukhala kangapo kutengera mindandanda yopambana. |
7 | Chiwopsezo chachikulu | Ngongole yamakampani ya NBFCs | Kubwereketsa ndi zosungirako ndi ngongole zamakampani, ngongole zamalonda ndi obwereketsa a MNC, ndipo capital capital ndi mabizinesi ndi mabizinesi (gulu lomwe lili pachiwopsezo chachikulu). |
Mutha kuwerenga ndemanga yathu yonse ya Grip Invest apa. Ndipo, mutha kuwerenganso zathu zonse Ndemanga ya Wint Wealth, apa.
Zofanana pakati pa Wint ndi Grip
Onsewa ndi nsanja zaukadaulo zapaintaneti zomwe zimathandizira kuti pakhale ndalama zosavuta. Onse amapereka chilengedwe cha ndalama zina. Zonsezi zimapereka mwayi wopeza ndalama zothandizidwa ndi chuma kwa ogulitsa malonda. Onse amathandizira mbiri yanu kusiyanasiyana popereka katundu wosagwirizana. Ndalama zawo zimakhala zopindulitsa kwambiri.
Ndalama zomwe zimaperekedwa ndi onse awiri zimakhala pachiwopsezo cha kusakhazikika kwangongole pama bond, ma lease ochirikizidwa ndi katundu, katundu, ndi malo ogulitsa.
Palinso chiwopsezo chandalama komanso chiwopsezo cha chinyengo. Malonda awo amapereka chitetezo chifukwa amasungidwa. Venture capital imakhala pachiwopsezo chamsika kuchokera kumisika yamasheya kapena kusapeza phindu pamndandanda wazogulitsa.
Komanso, oyambitsa ndi makampani oyambira omwe bizinesi yawo imatha kulephera, zomwe zimapangitsa kuti likulu lanu liwonongeke.
Zitengera Zapadera:
Monga wogulitsa malonda, muli ndi mwayi womwe unali usanakhalepo woikapo ndalama zina. Kupyolera muzopereka zawo pa intaneti, Kuzizira ndi Gwirani apereka mwayi wabwino wosiyanasiyana wanu portfolio holdings.
Kuphatikiza apo, magulu azinthu awa samalumikizana ndi misika yamalonda ndipo amapereka chiwongola dzanja chokwera. Pambuyo pa mliri wa Covid-19, katundu wamakampani amapezeka pamitengo yotsika mtengo, kukulitsa kubweza kwanu.
Mumapeza mwayi wokhala ndi ndalama zokhazikika poika ndalama muzinthu izi. Pankhani ya capital capital, muli ndi mwayi wotenga nawo gawo pazowerengera zotsika kwambiri, zisanachitike msika.
Siyani Mumakonda