Kuyika ndalama mumsika wamasheya kwapezeka mosavuta kwa anthu wamba pomwe dziko lapansi lakhala likukhazikika pakompyuta.
Otsatsa ndalama tsopano atha kuyang'anira chuma chawo, masheya awo ndi zinthu zawo, ndikupanga mbiri yamitundu yosiyanasiyana kuchokera pama foni awo am'manja, chifukwa cha kubwera kwa ogulitsa pa intaneti ndi nsanja zoyika ndalama.
Awiri otsatsa pa intaneti omwe atchuka kwambiri ku India ndi Zerodha ndi INDmoney. Ngakhale kuti nsanja zonse ziwirizi zimapereka ntchito zofanana, zili ndi mawonekedwe awo apadera ndipo zimayang'ana mitundu yosiyanasiyana ya osunga ndalama.
Zerodha ndiye broker wamkulu komanso wodalirika ku India, wopereka zotsika mtengo nsomba zamalonda ndi zida zapamwamba ndi mbali. Kumbali inayi, INDmoney ndi nsanja yowongolera chuma yomwe imapereka makonda upangiri wazachuma ndikuwongolera moyo wanu wonse wazachuma.
M'nkhaniyi, tifanizira ntchito zamaakaunti a demat zoperekedwa ndi Zerodha ndi INDmoney, ndikuthandizani kusankha nsanja yomwe ili yoyenera kwa inu. Kotero, tiyeni tilowemo!
I. Chidule cha Zerodha ndi INDmoney
(i) Zerodha
Zerodha, kampani yayikulu kwambiri ku India yochotsera pa intaneti, yasintha momwe anthu amasungitsira ndalama pamsika.
Yakhazikitsidwa mu 2010 ndi awiriwa a Nithin Kamath ndi Nikhil Kamath, Zerodha amadzitama kuti ali ndi makasitomala opitilira 1 crore ndipo amathandizira kupitilira 15% ya ma voliyumu onse ogulitsa ku India tsiku lililonse.
Bungweli, lomwe lili ndi likulu lawo ku Bengaluru, lasintha gawo lazamalonda.
Cholinga cha Zerodha ndikuchotsa onse ogulitsa kuti aliyense apeze ndalama zotsika mtengo komanso zapamwamba kwambiri.
Ndi nsanja yake yosavuta kugwiritsa ntchito komanso ukadaulo wapamwamba kwambiri, Zerodha wapanga kugulitsa masheya kupezeka kwa unyinji, potero kukhazikitsira demokalase msika wamsika waku India.
(ii) Ndalama
INDmoney ndiwolowa kumene m'dziko lazachuma komanso kasamalidwe kachuma ku India.
Idakhazikitsidwa mu 2019 ndipo yapeza kale ogwiritsa ntchito opitilira 7 miliyoni ndipo ikudziwika mwachangu. Mosiyana ndi mapulogalamu ena azachuma, INDmoney ndi yoposa pulogalamu yoyika ndalama; ndi pulogalamu yokonzekera chuma chabanja yomwe imathandiza ogwiritsa ntchito kukonza bwino ndalama zawo ndikuyika ndalama zawo mwanzeru.
Pokhala ndi mwayi wopeza ndalama zoposa 5000 ndi ndalama zogwirizanitsa 6000, INDmoney imapereka njira zambiri zopezera ndalama kwa ogwiritsa ntchito. Yakhazikitsidwa ndi Ashish Kashyap, bizinesiyo ili ku Gurgaon, Haryana.
INDmoney ikufuna kulinganiza kasamalidwe kachuma ndikupangitsa kuti aliyense athe kuzipeza, mosasamala kanthu za luso lawo lazachuma kapena luso lawo.
II. Malipiro ndi Malipiro
(i) Zerodha
Malipiro otsegulira akaunti: - Zikafika pazandalama ndi zolipiritsa, Zerodha imapereka mitengo yampikisano mumakampani aku India ogulitsa masheya. Ndalama zotsegulira akaunti pa intaneti za equity, F&O, ndi ndalama ndi 200 INR, ndipo ndi 300 INR zamalonda azinthu. Zolipiritsa zapaintaneti ndi 400 INR ndi 600 INR motero.
Ndalama zolipirira pachaka: -Malipiro okonza akaunti kapena AMC ndi 300INR + 18% GST pachaka, amene amalipiritsidwa kotala ie 75INR+ GST masiku 90 aliwonse omwe amachotsedwa ku akaunti yanu.
Malipiro a Brokerage: - Brokerage salipiritsa chindapusa chilichonse pamalonda obweretsa ndalama, komanso malonda amasiku ano ndi amtsogolo, amalipira. 0.03% kapena 20 / dongosolo, chilichonse chotsikirapo. Mtengo wotsika wa 20 INR imalipidwa pa malonda pa zosankha.
Zolipiritsa zina:- Kuphatikiza apo, kampaniyo imalipira STT kapena CTT zolipiritsa, zolipiritsa, zolipiritsa za GST za 18% (zolipiritsidwa pokhapokha pa brokerage, SEBI, ndi transaction), SEBI ndalama za 10 INR pamtengo wamtengo wapatali, ndi zolipiritsa masitampu. Ndalama za DP za 13.5 INR pa scrip zimaperekedwa kumapeto kwa tsiku mosasamala kanthu za kuchuluka kwa magawo omwe agulitsidwa.
Zerodha imapereka chowerengera chomwe chimathandiza makasitomala kuwerengera ndalama zonse zomwe amalipira ndi zolipiritsa polowetsa mtengo wawo wamalonda ndi mtundu wamalonda.
(ii) Ndalama
Kutsegula akaunti ndi AMC: - INDmoney ili ndi mtundu wamitengo wosavuta komanso wowonekera pamaakaunti awo a det. Iwo osalipira ndalama zotsegulira akaunti kapena AMC yomwe ingakhale njira yabwino kwambiri kwa oyamba kumene kuti asunge ndalama zamtengo wapatali.
Malipiro a Brokerage: - INDmoney imalipira kubweza kosavuta kwa 0.05% pamtengo wonse wamalonda, mpaka kufika pa 20 INR, mosasamala mtundu wamalonda.
Zolipiritsa zina:- Kuphatikiza apo, amalipira zolipiritsa ndi NSE ndi BSE, STT zolipiritsa, zolipiritsa sitampu, ndi zolipiritsa za SEBI za 0.0001% pazamalonda ndi malonda amasiku onse.
Pogulitsa zobweretsera, ndalama za DP za 13.5 INR/scrip zidzalipitsidwa. Kuphatikiza apo, osunga ndalama ali ndi mwayi wosintha magawo awo kukhala mawonekedwe osasinthika pa 250 INR/satifiketi, ndipo GST idzagwiritsidwa ntchito pazilipirirozi motsatana.
Ponseponse, mtundu wamitengo wa INDmoney ndiwokongola kwambiri ndipo ndi njira yotsika mtengo poyerekeza ndi ena omwe akupikisana nawo pamsika.
III. Zochitika za UI
(i) Zerodha
Onse amalonda oyambira komanso akatswiri amatha kugulitsa ndikuyika ndalama mu Zerodha chifukwa cha mawonekedwe ake osavuta kugwiritsa ntchito. Dashboard imakonzedwa bwino ndipo imasonkhanitsa zonse zofunika pamalo amodzi.
Popanda kuyang'ana m'magawo osokoneza, mutha kukhazikitsa mindandanda yambiri yowonera, ndikuyang'ana madongosolo anu, malo, ndi ndalama zomwe mumapeza patsamba. Zoposa 70% za zochitika zimamalizidwa pogwiritsa ntchito pulogalamu yam'manja, yomwe ili yofanana ndi mtundu wapakompyuta.
Pulogalamuyi ikhoza kukhala yogwirizana ndi zomwe mumakonda, kuphatikiza kusintha pakati pamitundu yakuda ndi yowala. Muthanso kusanthula masheya ambiri nthawi imodzi ndikutsegula mpaka ma chart anayi osiyana pazenera.
Mutha kugulitsa mosavuta ndikungoyang'ana kwambiri ndalama zanu chifukwa cha mawonekedwe osavuta koma othandiza.
(ii) Ndalama
Zikafika pamawonekedwe ndi zomwe ogwiritsa ntchito a INDmoney akukumana nazo, ndikofunikira kudziwa kuti zimasiyana ndi Zerodha chifukwa singopanga ndalama. pulogalamu yamalonda.
Ndi pulogalamu yoyang'anira chuma yomwe imapereka njira zingapo zopezera ndalama monga masheya, ndalama zolumikizana, inshuwaransi, gawo langongole, ndi zina zambiri.
Komabe, ngati mukugwiritsa ntchito pulogalamuyi pongogulitsa kapena kuyika ndalama, mungafunike kuwononga nthawi kuti muzolowera mawonekedwe, omwe amatha kukhala osokonekera chifukwa cha magawo osiyanasiyana.
Pulogalamuyi imagawidwa m'magawo osiyanasiyana monga Indstocks, US stocks, Mutual funds, Super Saver, ndi zina. Kuti muwone malo anu ndi zomwe mwachita, muyenera kudutsa magawo awa.
Pulogalamu yam'manja imakhala yofanana ndi nsanja yapakompyuta ndipo imapereka mawonekedwe athunthu. Mukhozanso kupeza mavidiyo a maphunziro pa dashboard kuti mudziwe njira zosiyanasiyana zopezera ndalama.
Komabe, ngati mukungoyang'ana zosowa zamalonda, mumathera nthawi yambiri mkati mwachigawo chimodzi kapena ziwiri mkati mwa pulogalamuyi. Ngakhale mawonekedwewa ali odzaza pang'ono, amapereka njira zambiri zopezera ndalama, zomwe zimapangitsa kukhala njira yabwino kwa iwo omwe akufunafuna njira zothetsera chuma.
IV. Zosankha Zogulitsa
(i) Zerodha
(a) Stock ndi ETFs
Zerodha kwenikweni ndi kampani yogulitsa masheya yomwe imapereka njira zingapo zopezera ndalama kwa makasitomala ake. Chogulitsa chake chodziwika bwino, KITE, chimapereka nsanja yabwino yogulitsira ndi kuyika ndalama m'masheya a NSE ndi BSE.
Kudzera mu zida zake zotsogola zogulitsira komanso mawonekedwe osavuta kugwiritsa ntchito, Zerodha yathandiza osunga ndalama kugula ndikugulitsa masheya popanda mkangano.
Kutha kuyika ndalama m'matangadza pazolinga zamalonda zazitali komanso zazifupi ndi chimodzi mwamaubwino a Zerodha's stock investing options.
Ngakhale malonda a intraday amathandizira osunga ndalama kugula ndi kugulitsa masheya tsiku lomwelo, malonda otengera kubweretsa amalola osunga ndalama kuti agwiritse ntchito nthawi yayitali. Kuchita ndi ma ETF amitundu yosiyanasiyana ndikothekanso pa pulogalamu ya KITE.
(b) Ndalama Zogwirizana
Kuyika ndalama kwa mutual fund ndi njira yokondedwa komanso yosavuta yosinthira mbiri yanu mwina ndikupanga phindu. Poyerekeza ndi ndalama zanthawi zonse, pulogalamu ya Zerodha's COIN imapereka nsanja yabwino yoyikamo ndalama mwachindunji ku 2000 mwachindunji, ndikusunga mpaka 1.5% pachaka pazolipira.
Kutengera zolinga zanu komanso kuchuluka kwa kulekerera zoopsa, COIN imapereka njira zingapo zothetsera thumba. Kuchokera ku ndalama zazikulu, zazing'ono, zopulumutsa msonkho, zapadziko lonse, kapena ndalama zokhazikika, COIN ili nazo zonse.
Kupezeka kwa zida zingapo ndi zidziwitso zomwe zimakuthandizani pakufufuza ndikusankha thumba labwino kwambiri lachuma pazosowa zanu zogulitsa ndizomwe zimasiyanitsa COIN ndi nsanja zina za mutual fund. Mutha kuyang'anira katundu wanu ndikupanga zisankho mwanzeru pogwiritsa ntchito zida zosavuta monga chowunikira thumba ndi a mbiri tracker.
(c) F&O ndi Zogulitsa
Zam'tsogolo ndi Zosankha (F&O) ndi Kugulitsa Kwazinthu zitha kukhala zowopsa kwa oyamba kumene, koma ndi nsanja ya Zerodha yosavuta kugwiritsa ntchito, imakhala yosavuta komanso yopezeka kwa aliyense.
Kudzera mu Kite, Sensibull, ndi Streak, Zerodha imapereka malonda opanda msoko a zinthu zosiyanasiyana monga zitsulo, mafuta, ndi zinthu zaulimi pa MCX, ndi tsogolo ndi zosankha za index pa NSE.
Kukopa kwa malonda a F&O ndikuti mutha kupindula nazo pamene msika ukukwera ndikutsika.
Zotsatira zake, pali ufulu wochulukirapo komanso mitundu yokulirapo yamalonda. Kugulitsa zinthu kumakupatsani njira yosinthira zinthu zomwe mumagulitsa ndikukuwonetsani mabizinesi osiyanasiyana.
(d) IPO
Initial Public Offerings, kapena ma IPOs, ndi njira yabwino kwambiri yopezera mabizinesi podziwitsa anthu onse masheya awo. Mutha kupeza mwayi woyambirira m'makampani akhanda asanapange zazikulu pamsika.
Zerodha imakulolani kuti mugwiritse ntchito ma IPO omwe akubwera kudzera mu pulogalamu yake ya Kite, yomwe imakupangitsani kukhala kosavuta kuyitanitsa pakati pa 10 AM tsiku lotsegulira mpaka 4:30 PM patsiku lomaliza la nkhaniyo. Mutha kuyika ma bids atatu mu pulogalamu ya IPO, ndikukupatsani mwayi woti muyike ndalama malinga ndi zomwe mumakonda.
Chifukwa chake ngati mukufuna kuyika ndalama m'makampani atsopano osangalatsa ndikupeza phindu lalikulu, kuyika ndalama kwa IPO ndi Zerodha kungakhale zomwe mukufuna.
(e) Zida za Ndalama Zokhazikika
Kwa anthu omwe akufuna zisankho zotetezeka zogulira, kuyika ndalama zogulira zokhazikika kungakhale njira yanzeru. Kudzera mu pulogalamu yake ya COIN, Zerodha imapereka zinthu zingapo zokhazikika, monga ma bond agolide ndi zotetezedwa ndi boma.
Kwa osunga ndalama omwe akufuna kubweza ndalama zambiri kuposa kusungitsa ndalama zokhazikika komanso chitetezo chowonjezera pakuyika zinthu zothandizidwa ndi boma, zotetezedwa ndi boma ndi njira ina yabwino kwambiri. Mutha kugulitsa ma bond osiyanasiyana aboma, monga ma bond a GOI-dated ndi treasury bond, nthawi iliyonse kutsatsa kumatsegulidwa.
Njira ina yotchuka yopangira ndalama ndi Wolamulira Gold Gold (SGBs). Ma bond awa amapereka phindu lalikulu komanso chiwongola dzanja cha 2.5% pachaka chanu ndalama mu digito golide mawonekedwe. Mutha kugulitsanso ma ETF a Golide, omwe angakhale ndi ndalama pafupifupi 1%.
(ii) Ndalama
(a) Indian Stocks ndi ETFs
Kuyika ndalama m'masheya aku India ndi ma ETF sikunakhale kophweka ndi INDmoney! Pulogalamuyi imakupatsirani akaunti ya demat yomwe imakupatsani mwayi woyika ndalama m'masheya ndi ma ETF olembedwa pa NSE ndi BSE. Chomwe chili chochititsa chidwi kwambiri ndi Indmoney ndi momwe imagawira masheya aku India - pali zosankha kwa ogulitsa ogulitsa kutengera mutu, mphamvu zamaukadaulo, zopindula, komanso masheya okhudzana ndi mafakitale.
Pulogalamuyi imaperekanso zowonera zosiyanasiyana kuti zikuthandizeni kusefa pazosankha zazikulu zomwe zilipo, kukuthandizani kuti mupeze ndalama zoyenera zomwe zimagwirizana ndi zolinga zanu komanso chiwopsezo chanu. INDmoney imaperekanso ma ETF azinthu zazikulu zonse zadziko, kukupatsani mwayi wosintha mbiri yanu ndikuchepetsa chiopsezo.
(b) Ndalama Zogwirizana
Pulatifomu yathunthu yoperekedwa ndi INDmoney imapangitsa kukhala kosavuta kwa osunga ndalama kugula, kutsatira, ndi kuyang'anira mbiri yawo. Ogwiritsanso ntchito atha kupezanso lipoti la magwiridwe antchito, kuwunika kwenikweni kwa momwe amagwirira ntchito, ndi maupangiri aupangiri potengera chidziwitsocho.
Ndalama zogulitsa, ndalama zapamwamba, ndalama zangongole, ndalama zosakanizidwa, ndalama zagolide, ndi ndalama zamadzimadzi ndi zina mwa njira zina zomwe INDmoney imapereka. Iliyonse mwandalamazi ndi njira yosunthika komanso yothandiza kwa anthu omwe akufuna kuyika ndalama zawo limodzi chifukwa osunga ndalama atha kuyambitsa mapulani oyendetsera ndalama (SIPs) mu iliyonse mwaiwo.
(c) Malipiro Okhazikika
Kuyika Ndalama mu Ma Deposits Okhazikika kumatha kukhala njira yotetezeka komanso yosavuta yopezera phindu lokhazikika pamabizinesi anu, ndipo INDmoney imapangitsa kukhala kosavuta kuposa kale. Ndi dashboard yodzipatulira yokhazikika, kuwongolera ma FD anu sikunakhale kophweka.
Mutha kutsata mbiri yanu yonse yosungitsa ndalama ndikupeza maperesenti obweza pamabizinesi anu, zonse pamalo amodzi.
Kuphatikiza apo, ndi mawonekedwe a INDprotect, mutha kukhala otsimikiza kuti ndalama zanu ndizotsimikizika komanso zotetezeka. INDmoney imaperekanso zambiri zamadongosolo abwino kwambiri osungitsa ndalama omwe amaperekedwa ndi mabanki osiyanasiyana, kuphatikiza ma tenures, chiwongola dzanja, ndi ndalama zocheperako.
(d) Ndalama za US
Mbiri ya INDmoney Njira yopangira ndalama za US Stocks ndi imodzi mwazinthu zazikulu zomwe zimasiyanitsa ndi maakaunti ena aku India. Ndi INDmoney, osunga ndalama amatha kupeza masheya aku US, komanso ndalama za US ndi ETFs, komanso kutenga nawo gawo mu pulogalamu ya US Stock Reward yomwe imalola kuyika ndalama pang'onopang'ono m'magawo apadziko lonse lapansi.
Izi zimatheka kudzera ku Finzoomers Services Private Limited ndipo zimapereka mwayi wofikira kumisika yayikulu yaku US monga NASDAQ ndi NYSE. Otsatsa ali ndi mwayi wosintha mbiri yawo padziko lonse lapansi ndipo mwina atha kuwonekera kumakampani apamwamba posankha chisankho ichi.
V. Mbali ndi ubwino
(i) Zerodha
- Zenera losinthika lomwe lingasunthidwe pa desktop.
- Ma chart angapo pazenera lomwelo okhala ndi zizindikiro zopitilira 100.
- Kusintha kwamitengo yanthawi yeniyeni.
- Mitundu yamaoda angapo, kuphatikiza ma oda a bulaketi, maoda pambuyo pa msika, ndi zina.
- Ikani maoda kudzera patchati popanda kutseka chinsalu.
- Kupeza ma chart abwino kwambiri - TradingView ndi ChartIQ.
- Kusunga ndi kutayika kwa phindu la malipoti pofuna misonkho ndi kusanthula.
- Zofunika ndi kusanthula luso za masheya kuti achite mwachangu musanayike ndalama.
- Zidziwitso ndi zikumbutso zokukudziwitsani mtengo ukadutsa mulingo womwe munakonzeratu kugula/kugulitsa.
(ii) Ndalama
- AI-zoyendetsedwa kusanthula katundu kuti muzindikire mozama za phindu, phindu, ndi kuwerengera.
- Zosefera zomwe mungasinthire makonda ndikusankha zosankha kuti mupeze masheya potengera zomwe mukufuna.
- Mosakondera komanso zolinga zogula ndi kugulitsa zotengera kuwerengera kwa AI.
- Kusinthananso kosintha kwa mutual fund portfolio kudzera mu mawonekedwe a STP.
- Zolosera za akatswiri ndi mavoti kuchokera kwa akatswiri amakampani kuti adziwe zambiri zazachuma.
- Zambiri zamakampani kuphatikiza magawo ofunikira.
- Malonda a Intraday amapezeka kuti apeze phindu mwachangu.
- Maoda pambuyo-pamsika amapezeka pamtengo wa 10Rs. pa dongosolo.
Kutsiliza
Pambuyo poyerekezera INDmoney ndi Zerodha m'zinthu zosiyanasiyana, zikuwonekeratu kuti nsanja zonse zili ndi mphamvu ndi zofooka zawo. INDmoney ndi nsanja yabwino yoyendetsera ndalama ndikuyika ndalama m'masheya aku US, koma zikafika pakuwononga maakaunti ndi malonda, Zerodha ndi chisankho chabwinoko.
Zerodha ali ndi mbiri yokhazikika mu dziko la demat ndipo nsanja yawo imayang'ana amalonda omwe akugwira ntchito. Ngakhale mtengo wawo ukhoza kukhala wokwera mtengo, mawonekedwe ake ndi zopindulitsa zomwe amapereka ndizoyenera.
Thandizo lawo lamakasitomala ndilabwino kwambiri, ndipo ali ndi mawonekedwe osavuta kugwiritsa ntchito omwe amalola kugulitsa kosavuta ndikuyika ndalama.
Kumbali ina, mawonekedwe a INDmoney atha kukhala ovuta, koma amapereka zinthu zambiri monga AI-powered stock analysis, automatic portfolio rebalancing, analytics predicts and ratings, ndi zina zambiri.
Siyani Mumakonda