Sezvo India inoswedera pedyo nekuva simba guru rehupfumi, vanoisa mari vari kuwedzera kuvhima imwe mari. Aya ma investimendi ari kunze kweiyo tsika yekudyara nharaunda, iyo inokubatsira iwe kuwedzera yako portfolio uye kuchengetedza mari yako kubva pakudonha kwemari.
Alternative investment funds chishandiso chemari chakakosha kuwana mukurumbira nekukurumidza muindasitiri yezvemari yeIndia.
Nekusagadzikana kwemusika kwakawedzera, kukwira kwemitengo, kuomerwa, uye kushomeka kwekutenda mumidziyo yakanyorwa neveruzhinji uye misika, vanoisa mari vari kutendeukira kune dzimwe nzira dzekudyara senzira ine pundutso yekudyara.
Alternative investments inoitirwa pachivande mari dzekunze kana dzekumba dzekudyara dzakarongwa seLLP, sangano remubatanidzwa, bhizinesi, kana kuvimba. Zvichitaurwa zviri nyore, iwo mainvestments mumhando dzeasset izvo, kusiyana nemabhondi, masheya, uye mari, hazviratidzi mapeaks uye mipata yemusika wenguva dzose.
Imwezve mari yekudyara inogona kukubatsira kuwedzera ma portfolio ako uchichengeta njodzi dzako dzakaderera pane yechinyakare mari. Iyo inzira yakapusa yevanotanga-kutanga vatengesi kuti vatange, uye haina kuganhurirwa kune yakakwirira-net-yakakosha vanhu kana mabhizinesi.
Muchinyorwa chino, ini ndichakurukura 9 akanakisa mamwe ekudyara mapuratifomu muIndia aunogona kushandisa nhasi kusiyanisa mari yako. Asi chekutanga, ngatinzwisise kuti imwe mari yekudyara chii.
Ngatitarisei kune 9 akanakisa mamwe ekudyara mapuratifomu muIndia.
Grip Invest
Grip Invest inogona kuve chishandiso chekudyara chinobatsira iwe kana uchitya kutora njodzi.
Tese tinoda kuisa mari uye kuwana madzoro akanaka, asi vazhinji vedu tinozeza nekuti tinotya kusagadzikana kwemusika uyu.
Chinhu chakasarudzika chinoita kuti Grip iite yakasarudzika ndeyekuti haina kubatana nemusika. Saka, inoshandisa yakasarudzika nzira inoongorora njodzi panzvimbo yako uye inoita kuti ugamuchire mibairo yakanaka.
Kusiyana nemamwe mapuratifomu ekudyara maasset, purofiti yaunowana pano yakagadziridzwa njodzi.
Zvigadzirwa zvekudyara zvinopihwa neGrip ndezvi:
- Corporate zvisungo
- Lease financing
- Inventory Financing
- Kutanga-up investment
- Commercial real estate financing
Iyo yekudzoka inotangira pakati pe8% kusvika 21% mukudyara-yakatsigirwa neasset. Mukuenzanisa, mari yekutanga haina kudzoka chivharo uye inoshanda panjodzi-yakanyanya-mubayiro nzira.
Kuburikidza neGrip, unogona kuisa mari mumarendi, zvinhu, musha, uye kunyange zvitoro zvekutanga. Inopa ruzivo rwakadzama nezvekudyara kwaunosarudza, kusanganisira zvibvumirano zvaro zvebhizinesi, kudzoka, kudyidzana, maratidziro ekudyara, uye njodzi dzinogona kuitika.
Iwe unogona kudyara muGrip nemari shoma yekudyara ye ₹10,000 pane zvigadzirwa zvemari, nepo iwe uchizofanira kuisa muhuwandu hwe ₹2,00,000 kana iwe uchida kupinda yayo yekutanga equity segment.
Chii chinondifadza pamusoro peGrip invest is its investor network; ine vanopfuura 2.5 miriyoni vanoisa mari uye 0% default mwero, ndeimwe yeanonyanya kushandiswa mamwe mapuratifomu ekudyara.
zvayakanakira
- Grip ine shungu kwazvo pakusarudza chirongwa chakakodzera chekudyara mariri. Kuti inyoreswe pakubata, femu inofanirwa kutarisisa macheki kuti ive nechokwadi chekuti mari yemubhadharisi haina kupambadzwa.
- Vanoronga mabhindauko avo nekukumbira dhipoziti yekuchengetedza ye7.5 kusvika 15% yemari yekurenda, iyo yakanaka.
- Investment inowanikwa kuGrip haina chekuita nekusagadzikana kwemusika. Hazvina kujairika uye zvakasarudzika, izvo zvinokwezva vatengesi vatsva.
- Mari yega yega yekudyara inogadziriswa yakazvimirira uye kwete mudziva, zvinoreva kuti une simba pamusoro pekuyerera kwekudyara kwaunoita paGrip.
nezvayakaipira
- Pakutsvagisa izvi, ndakaona kuti Grip yakanga yanonoka kubhadhara kwevashoma vevagadziri.
- Chiyero cheGrip chekudzoka chinonyengera dzimwe nguva. Mushandisi akaita ingangoita 8% kudzoka panzvimbo yezvakataurwa 21%; iwo musiyano mukuru.
- Grip haikuvimbisi chero chengetedzo pamusoro pekudyara kwako.
Tyke
Tyke igore-yakavakirwa imwe nzira yekudyara iyo inobvumidza iwe kuisa mari mumabhizinesi akazvimirira.
Unogona kushandisa Tyke uye kuisa mari muStartups. Iwe unogona kuteedzera mari uye maKPIs uye kuongorora mashandiro epodfolio kuburikidza nedhibhodhi.
Tyke yaita kuti kukwidza mari kusanetsana, ichipa vanoisa mari sesu mikana yakawanda yekuisa mari mukuvimbisa kwekutanga. Tyke zvakare iri kutarisa nezve otomatiki investimendi mune yakavanzika equity.
Vagadziri vanoshandisa Tyke kutanga kutenderera kwekudyara, vachisarudza maparamita uye kukoka vanoisa mari kuti vabatane.
Tyke yakatangawo "Analytics," ipuratifomu nyowani inokwenenzvera kushuma nekupa ruzivo rwakakosha pakubudirira kwekudyara kwako.
Inotarisira kusiyanisa zvigadzirwa zvayo kuita makirasi easset ane chekuita nemari yakatarwa uye zvine chekuita nezvikwereti zvishandiso.
Tyke yakanakira vatengesi vezvitoro nekuti inopa chikuva uko chero munhu anogona kudyara zvakananga mukutanga.
Iyo kambani inotsvaga mari inosarudza hushoma uye huwandu hwekudyara huwandu; zvisinei, sekuziva kwangu, kazhinji pakati pe ₹5,000 kusvika ₹20,000, zvinova zvine musoro.
zvayakanakira
- Type iri nyore kushandisa uye intuitive.
- Basa revatengi rinoteerera.
- Vazhinji vashandisi vakatumira mhinduro yakanaka mushure mekushandisa Tyke kekutanga.
- Kuwana kune akawanda ekutanga.
nezvayakaipira
- Tyke chete ine CSOP neNCD modhi yakavhurwa kune vanoisa mari.
- Ini ndinonzwa kuti Tyke parizvino haina mushandisi-ane hushamwari, uye uchafanirwa kuchera kuburikidza nemagwaro mazhinji kuti uwane ruzivo rwakakodzera, setsamba yekudyara, nezvimwe.
Lendbox
Lendbox iRBI-ine rezinesi NBFC - P2P yekukweretesa chikuva. Yakatangwa muna 2017 uye ikozvino yave imwe yeIndia inotungamira P2P yekukweretesa mapuratifomu.
Munguva pfupi yapfuura, Lendbox yakagadziridzwazve, uye akawanda masevhisi ekuvandudza akawedzerwa kune vatengi.
Lendbox yakabatana nemasangano mashoma ane mukurumbira kupa vanoisa mari nemikana ine njodzi yekudyara.
Aya mabhizinesi anoita seanovimbisa zvikwereti zvinotorwa nevatengesi vavo uye nhengo dzechiteshi. Iwe unogona kutarisira kudzoka kwegore negore kwe12% kusvika ku20%.
zvayakanakira
- Lendbox ipuratifomu imwe-ye-yemhando imwe yekudyara inobatanidza vanokwereta nevanoita mari vanoda kuvakweretesa mari kuburikidza nepuratifomu yeinternet.
- Kubva pakuona kwemudzvanyiriri, uyu mukana wakanakisa wekuita kudzoka kwakakosha pakudyara kwavo.
- Kutengeswa hakuna mari yakavanzika.
- Kunyoresa mahara, nekukurumidza, uye kwakatwasuka.
nezvayakaipira
- Inogona kunge iri ngozi shoma kupfuura mamwe mapuratifomu ekudyara sezvo iri P2P.
Tradecred
Iyo inotevera chikuva pane yangu runyorwa ndeye Tradecred. Iyo ipuratifomu yekudyara iyo inoshanda chete pane imwe yekudyara sarudzo, invoice kuderedzwa.
Unogona kufunga izvi seimwe nzira yemusika wechikwereti.
Makambani anoshandisa invoice kuderedzwa senzira yekuunganidza mari. Ivo vanowana mari shoma kubva kune vanogara vachiisa mari munguva pfupi. Tradecred inoshandisa chikuva chayo kuita kuti sarudzo dzekudyara dzakadaro dziwanikwe kune vekutanga vanoisa mari senge iwe neni.
TradeCred inobvumira mabhizinesi kutumira ma invoice avo panzvimbo yayo. Zvadaro, iwe unogona kutenga chidimbu chekutengeserana kana kupihwa kwakazara zvichienderana nezvavanofarira. Chimwe nechimwe chekutengeserana uku chine zuva rekutanga nekupera.
Kana kutengeserana kwapera, kambani inobhadhara mubhadhari mari yake pamwe nemubereko wenguva yese yekutengeserana.
Kuti ubatane neTradeCred, unofanirwa kuve nenhamba yerunhare inoshanda yakabatana nekadhi rako reAadhaar, PAN kadhi, uye account yekubhangi inoshanda. Kuburikidza neTradecred, unogona kukwira kusvika 12% goho pakudyara kwako.
zvayakanakira
- Ivo vanopa nyore kwaunogona kutanga uye kubata mari yako.
- Iyo sisitimu inokwanisa manejimendi nevashandi vekuchengetedza vanogona kuishandura kuita inotyisa uye yakachengeteka mhinduro.
nezvayakaipira
- Vamwe vangangove vatengesi vanogona kutadza kubhadhara mari shoma.
- Pane ngozi huru.
Jiraaf
Jiraaf ipuratifomu yeFintech inopa vatengesi vezvitoro neimwe nzira dzekudyara.
Inoti inodarika mari yakagadziriswa maererano nekudzoka. Kunyangwe kudyara mari muJiraaf kune njodzi zvishoma, mibairo yese ine mibairo yakaenzana.
Jiraaf yakaunza maIndia kune zvitsva-inowana mari yakasarudzika senge mabhondi akavharwa, marendi, uye kuderedzwa kwemainvoice.
Jiraaf inonyanya kupa zvigadzirwa zvitatu:
- Kuderedzwa kweinvoice,
- Lease uye inventory mari
- Non-convertible debentures.
Asi imarii mari yaungaite neJiraaf?
Izvi zvichasiyana zvichienderana nechigadzirwa chaunosarudza.
Sekutsvagisa kwangu, chigadzirwa chemari yekurenda chinopa kudzoka kwakanyanya, izvo zvinogona kupa gross kudzoka kusvika pa17-18%. Inogona kuverengera mari yekumashure-mutero inosvika 11-12% pagore.
Panyaya yeNDC uye kuderedzwa kweinvoice, iyo gross returns inogona kukwira kusvika 10-15%. Bhakiti rako remutero richasarudza yako yemashure-mutero kudzoka.
zvayakanakira
- Iwe unogona kusiyanisa mari yako kune akati wandei maasset mapoka.
- Iwe unowana mari inodarika yakajairwa-inowanikwa mari.
- Ivo vanoita basa rekuita kuti kuisa mari kuve nyore kwauri.
- Mumaminetsi matatu chete, unogona kuvhura account uye wotanga kuisa mari.
nezvayakaipira
- Ngozi iri pamusoro zvishoma.
- Jiraaf haatore vimbiso yekudzoka.
Wint Wealth
Wint Wealth ifemu yefintech inokupa mukana wekutenga zvikwereti zvemidziyo (9%+) yezvikwereti (seyakavharwa Bonds/MLD) nekuchengetedzeka kuri nani.
Kuramba kuchidzikiswa kwegoho remari yakagadziriswa kwakakonzera kukura kweWint. Nekuda kwekuti chiridzwa chakachengeteka uye chakavimbika chemari inotambirwa, Senior Secured Bond yakafanana neFD. Zvakadaro, vanoburitsa goho rakakura kudarika maFDs, rinosvika 9% kusvika 11% paavhareji.
Yave iri imwe yemapuratifomu ekudyara ari kukurumidza kukura mumakore mashoma apfuura.
Wint Wealth inotengesa mabhondi epamusoro akachengetedzwa kubva kumakambani akasiyana zvakananga kune vatengi. Yakagadzira zvisungo zvakavharwa kune mumwe munhu anoisa mari, izvo zvinopa kuchengetedzwa kwakawanda.
Kuvhura account neWint Wealth mahara zvachose. Iwe unofanirwa kutanga wabata account ine SEBI-yakanyoreswa bhuroka kuti ugadzire account yako. Vachacheka mubereko wako nekusvika 2% kana zvinhu zviine mubereko wakatemerwa wekubhadhara we12-14%.
zvayakanakira
- Nekuda kwekusiyana kwayo, Wint inova nechokwadi chekuti unodzivirirwa kubva kunjodzi dzisingatarisirwe dzemusika wemasheya.
- Wint Wealth bonds inopa mibairo kwenguva pfupi, makore maviri chete.
- Mabhondi anowanikwa kuburikidza nepuratifomu yeWint anogara akanyorwa pamusika wemasheya.
nezvayakaipira
- Maererano nemishumo, vanhu vakati wandei vakabiridzirwa nezviuru zvemadhora.
- Iwe uchafanirwa kutora njodzi yekurasikirwa zvachose kana bhizinesi rakatora chikwereti ichocho uye rikatadza.
LiquiLoans
LiquiLoans ipuratifomu yekukweretesa yeP2P inoshandisa tekinoroji yekucheka-kumucheto kubatanidza vanokweretesa vanonyorera uye vanokweretesa zvichienderana nekushivirira njodzi.
MaIndia agara ari mari yakasarudzika-inowana mari, inosvika makumi manomwe muzana emari yavakachengeta yakaiswa mumari inotambirwa. Mazhinji maakaundi ekuchengetedza mabhangi parizvino anopa chete 70-2.5% munzvimbo yakaderera-yekudzoka, inova iyo inotarirwa vateereri veLiquiLoans.
LiquiLoans inopa yakasarudzika mhinduro iyo inokutendera iwe kuti uwane 8-10% inodzoserwa pakudyara kwako uchichengetedza nekukurumidza liquidity uye kuenderana. Saka chigadzirwa chakanakisa chekuchengetedza mari yenguva pfupi, iri nani pane mari yemvura/kuchengetedza maakaundi/FDs.
Ivo havabhadharise mari kune vanoisa mari kana vanokwereta nekuti mari yacho inopfuudzwa kune vanobatika vanopa zvikwereti.
zvayakanakira
- Iyo femu haibhadharise mutengi mubereko.
- LiquiLoans inogona kukwezva vanokwereta vakaiswa zvakanyanya neavhareji yemari yegore inodarika Rs. 8 lakhs kuburikidza nekudyidzana.
- Nekuda kwekuti kupera-kushandiswa kwemari kwakanyatso kutaurwa, vanokwereta vane chinangwa chekubiridzira vanongogadziriswa, zvichideredza zvakanyanya mukana wekutadza.
nezvayakaipira
- Iko mari shoma yekudyara i $50,000, inova mari yakakosha.
Altifi
AltiFi ipuratifomu yekudyara inobvumira vatengi vega kuti vatenge zvakagadziriswa-muhoro zvinhu.
Inopa kuchengetedzwa kwaimbove kunowanikwa chete kumafemu ekudyara, vatengesi vezvitoro, vanhu vakapfuma, uye HNIs.
Altifi inobvumira masangano, HNIs, uye vatengesi vega kuti vawane mabhondi uye zvitupa zvedhipoziti kubva kumafemu ari kusimukira mumaindasitiri mazhinji.
Iyo inotsigira yeNorthern Arc Capital, inonyatso kuzivikanwa mari, syndication uye kurongeka, uye hupfumi manejimendi sangano.
Nekuti inongopa mabhondi akanyoreswa kune bhizinesi revabereki, Northern Arc, Altfi haisi nzvimbo yemusika. Iyi puratifomu inotarisa pamabhondi anopihwa nemafemu ane kiredhiti chakasimba, uye Northern Arc ine chivimbo mukunyora pasi.
Bond goho rinosiyana kubva pa8 kusvika pa13%. Kunze kwezvisungo, zvivakwa zvinobhadhara mutero seMLD zvakajairika.
Kana uchinge wanyoresa neAltifi, unofanirwa kuisa ruzivo rweakaundi yako yeDemat, inogona kunge iri NSDL kana CDSL. Iyo KYC clearance maitiro inokurumidza, uye unogona kutenga mabhondi mukati meawa makumi maviri nemana.
Unogona kutenga ma bond units kuburikidza net banking kana UPI, uye anozoonekwa muDemat account mukati memazuva maviri.
zvayakanakira
- Kunyoresa kunokurumidza. Ndakakwanisa kutenga mabhondi angu mumaawa makumi maviri nemana.
- Basa revatengi raive repamusoro zvakare. Vaikurumidza kupindura chero mubvunzo.
nezvayakaipira
- Mabhondi anogona kutora anopfuura mazuva maviri kuti aoneke muDemat account yako.
- Iyo KYC maitiro anogona kunetsa kune vamwe vashandisi.
KredX
KredX inozvitsanangura semupi wezvekugovera ketani yemari mhinduro.
Yakavambwa muna 2015 uye yakawedzera zvigadzirwa zvevatengesi vezvitoro nemakambani.
KredX inopa mari uye kuyerera kwemari manejimendi kumakambani nemabhizinesi madiki. Inopawo Tenga Izvozvi Bhadhara Gare gare (BNPL) masevhisi ekutengeserana kweB2B, kuderedzwa kwebhiri, mari yekuunza kunze kwenyika, uye zvimwe zvigadzirwa zvakawanda.
Vachangoburitsa KredX Cashback Kadhi yekubhadhara kwevatengesi vachibatana neICICI Bank, iyo inopa mari yekudzosera / mibairo pakubhadhara kwevatengesi.
Chikwata cheKredX chine vatangi uye nhengo dzechikwata vane hunyanzvi hwakakura mumabhangi, mari, uye mamwe minda. Tiger Global, Sequoia, uye Prime Venture Partners vari pakati pevanodyara mari veKredX.
zvayakanakira
- Iyo inobvumirawo mainvoice kuti atore chikamu mukudzoresa invoice.
- KredX inopa isina musono onboarding maitiro uye inobvumira vanoisa mari kuti vasiyane mumhando dzeasset.
- Kunyoresa kunokurumidza uye nyore.
- KredX yakachengeteka, isina kurekodha defaults mumakore achangopfuura.
nezvayakaipira
- Iwe haugone kuona chero ruzivo rwune chekuita nechiyero chekudzoka kudzamara wanyoresa account yako.
- Chete sarudzo shoma dziripo kune vatengesi vezvitoro.
Final Mutongo
Saka, aya aive 9 akanakisa mamwe mapuratifomu ekudyara muIndia ane mukurumbira uye anoshandiswa nemamiriyoni evatengi.
Mafurati akafanana Jiraaf, Grip Invest, Wint Wealth, uye Tyke inzvimbo dzakanaka dzekutanga imwe rwendo rwekudyara. Aya mapuratifomu ekudyara ane yakanaka vatengi base uye anozivikanwa nekuita izvo zvavanoti.
Kwete zano rezvemari, asi izvo zvandinowanzoita ndezvekuti, pachinzvimbo chekuisa mari yangu mune imwe imwe nzira yekudyara homwe, ndinoiparadzira kune akawanda ekudyara. Ini ndinotanga nemari yakaderera, uye pandinonzwa kuti ndiri kuwana kudzoka kwakanaka kubva kune imwe puratifomu uye manhamba avo akavimbika, ndinowanzo wedzera saizi yangu yekubheja.
Ndizvo zvanga zviri zvega nhasi; idzi dzimwe mari dzekudyara dzinopa nzira huru yekuunza mari yekungoita. Nekudaro, ndinofanira kuti iwe, semuridzi wemari, unofanirwa kuita tsvakiridzo yakakwana uye usambovimba nenhamba dzinoratidzwa pane chero webhusaiti yekudyara.
Tushar
Ini ndashandisa dzinenge puratifomu yese yezviri pamusoro kunze kwe2 uye ndaida kukuzivisa iwe kuti Kredx ine akawanda defaults atakaisa pamusoro 2-3 cr kuburikidza nawo uye 3 ezvangu zvibvumirano zvakatadza kusvika parizvino zvinodarika gumi Lakh. vakavimbisa kuti vachaidzosera asi mamwe mabhiri ave nerinopfuura gore zvino uye hapana chiratidzo chekugamuchira.