Iwe uri mudzidzi wekuIndia ari kutsvaga mhinduro yemari?
Usatarise kumwe kumwe!
Iwo gumi nemaviri echikwereti maapps ataurwa pazasi ndeevadzidzi vakawanikwa mushure mekutsvaga kwemusika. Nekukurumidza kuwanikwa uye mikana yekukurudzira, izvi zvikumbiro zvinorerutsa kubata kiredhiti.
Iwe unogona kuve nechokwadi chekuwana iyo yakanakira mhinduro yezvido zvako, nekuda kwemushandisi-inoshamwaridzika nzvimbo, mitengo inokwanisika, uye akasiyana maficha.
Aya maapplication anozotarisira zvaunoda manejimendi emari, saka rega kushushikana. Shandisa zvakanyanya nguva yako semudzidzi nekugadzirisa chikwereti chako izvozvi!
1. PaySense
Paysense ibhizinesi retekinoroji yezvemari inopa vanhu muIndia zvikwereti zvavo, mitsara yechikwereti, uye mamwe masevhisi emari. Iyo kiredhiti agency inoshandisa data sainzi uye muchina kudzidza kuongorora kukweretwa kwevatengi.
Inobvumira zvikwereti kune vanhu vasina kiredhiti yakanaka kana nhoroondo pfupi yechikwereti. Bhizinesi rakavambwa muna 2015, uye kubva ipapo, rakagamuchira rukudzo rwakati wandei uye rakapa zvikwereti kune vanopfuura 2.5 lakh vatengi.
Kuburikidza nekutenderera kwakati wandei kwekudyara, iri kuwedzera mipiro yayo uye kusvika kune vamwe vatengi.
[Kukodzera: Makore 21 kusvika 65]
Features
- Kuwanikwa kwekare kune zvikwereti zvemunhu, nemari yechikwereti kubva ku ₹5000 kusvika ₹5 lakh
- Inopa chikwereti pamwero we1.4% -2.3% mubereko pamwedzi.
- Hapana nhoroondo yechikwereti inodikanwa kunyorera uye kubvumidzwa
- Vadzidzi vanokodzera vanogona kunyorera zvinotevera zvikwereti
- Auto-debit chimiro chekuyeuchidza vadzidzi kubhadhara nenguva
- Digital chikwereti chirango maitiro pasina mapepa anodiwa
- Inoshandisa advanced data sainzi uye muchina kudzidza kuongorora kukweretwa
2. redcarpet
RedCarpet ipuratifomu yekukweretesa yedhijitari iyo yakavambwa muIndia muna 2016. Kubva ipapo, yakakura mukuzivikanwa nekuda kweiyo yekutanga uye inosvikika kiredhiti zano. Vatengi vanogona kuwana mabasa akasiyana-siyana emari uye zvigadzirwa vachishandisa chirongwa chakakosha chinonzi "RedCarpetX" inopiwa nekambani.
Ivo vanozivikanwa zvakare nehurongwa hwavo hwekunangana nevatengi, hukasha mubereko, uye sarudzo dzekubhadhara dzinochinjika. Ivo vanopa dzakasiyana siyana dzekukweretesa uye kugadzirisa maitiro ekunyorera chikwereti.
Kuve saiti yakavimbika, isarudzo yakanaka kune chero munhu ari kutsvaga nyore uye nyore kuwana kiredhiti.
[Kukodzera: makore 18]
Features
- Kuzadzikiswa kwekare kwemuganho wechikwereti nekukurumidza kana kwapera
- Kukwanisa kubvisa mari uchishandisa RedCarpet kadhi pane chero ATM
- Kuteedzera kuri nyore kwekubhadhara uye kuona kwakadzama kadhi zvirevo kuburikidza neapp kana webhusaiti
- Iyo RedCarpet app inoshanda seimwe-yekumira mhinduro yekugadzirisa kadhi rako
- Zviyeuchidzo zvemazuva ese ari kuuya
3. Navi
Navi ndeye yega mari manejimendi app iyo inobatsira vashandisi kutora kutonga kwemari yavo. Inopa zvinhu zvakaita sekutsvaga kwekushandisa, bhajeti, kuisirwa chinangwa chemari, zviyeuchidzo zvebhiri, chikwereti chibozwa kutarisa, uye kutsvaga mari.
Inobatsirawo vashandisi kuona nzvimbo dzavanogona kuderedza mari uye kuita zvirinani sarudzo dzemari. Kambani iyi yabvisa mari inodarika zviuru zana nemazana ezviuru zvezvikwereti. Navi yemahara kurodha pane ese ari maviri iOS uye Android mapuratifomu uye inobata kune vashandisi veIndia kutonga hupenyu hwavo hwemari.
[Kukodzera- 21 makore]
Features
- 100% dhijitari yechikwereti chekunyorera maitiro ane mashoma mapepa
- Yakakwenenzverwa uye yakachengeteka maitiro, nyore kufamba
- Inowanikwa mutengi rutsigiro maawa makumi maviri nemana pazuva, mazuva manomwe pasvondo
- Customizable chikwereti chekubhadhara sarudzo, nekugara kweanosvika 6 makore
- Makwikwi emubereko anotangira kubva pa9.90% pa pachikwereti chemari.
4. SlicePay
SlicePay iIndia fintech yekutanga inopa mari kuvadzidzi vekoreji. Sangano rinopa chaiwo makadhi echikwereti uye zvikwereti zvemunhu, EMI-yakavakirwa mari, uye kubhadhara mabhiri kubatsira vadzidzi kuwana kiredhiti pasina chibatiso kana nhoroondo yechikwereti.
Inoongorora kukweretwa ichishandisa proprietary algorithms uye ine hukama neakasiyana evatengesi uye e-commerce mapuratifomu. SlicePay yakatanga muna 2015 uye inoda kuita kuti koreji idhure. Yakakwidza mari yekuwedzera masevhisi uye kusvika kune vatengi vakawanda.
[Kukodzera- 18 makore]
Features
- Kukurumidza uye nyore kuwana zvikwereti zvekusvika ₹ 5 lakh
- Sarudzo dzekubhadhara dzinosvika kumwedzi gumi nemiviri kana kubhadhara nekukurumidza kuchengetedza pamubereko
- Mari yenguva imwe chete yekubhadhara chikwereti chese chakweretwa
- Wana mibairo ye2% pakushandisa kadhi
- Zero mhindu inochajwa kana chikwereti chikabhadharwa mukati memwedzi
- Makwikwi emubereko paEMI, ane huwandu hwe12-15% yemwedzi gumi nemiviri yekubhadhara nguva.
5. Eduvanz
Eduvanz iIndia yemari app inotarisa pakupa mhinduro dzechikwereti chemudzidzi. Vanoda kuita kuti kuwana mari yezvikoro nezvimwe zvekushandisa zvive nyore uye zvisina kuoma sezvinobvira. Mamwe masevhisi, seaya, anoshandisa "chibvumirano chekugovana mari" apo vanokwereta vanodzorera chikwereti sechikamu chemari yavo.
Ivo vanopa zvikwereti zvekushandisa kwakasiyana kwedzidzo senge tuition, kosi zvekushandisa, uye komputa michina. Vakawana mukurumbira wekupa mubereko wakaderera uye nzira yekukurumidza yekushandisa, iyo inoshandira vadzidzi mukuzadzisa zvinangwa zvavo zvedzidzo.
Pakazere, Eduvanz isarudzo inoshamisa yevadzidzi vari kutsvaga inochinjika uye yekuvandudza nzira yekubhadharira dzidzo yavo.
[Kukodzera- 18 kusvika kumakore 60]
Features
- Personalized loan cost Calculator
- Sarudzo-dzinoshamwaridzana nevadzidzi uye dzakagadzirirwa mhinduro dzedzidzo
- Mvumo yekukurumidza, 100% online maitiro pasina mhosva yakavanzika (mubhadharo wekugadzirisa 0% -5%)
- Mibereko yakaderera yakavakirwa pachimiro chemudzidzi
- Flexible kubhadhara sarudzo.
6. LazyPay
India's LazyPay, yekutanga 2016, inopa zvikwereti zvepamhepo. Iyo inozivikanwa nekupa kiredhiti nekukurumidza uye nyore nzira dzekubhadhara. Ivo vanopa sarudzo dzakareruka dzekutarisa nekuda kwemushandisi-ushamwari uye kudyidzana kwakanaka nemabhizinesi.
Vanhu vanofarira kukurumidza kubviswa kwechikwereti chepuratifomu uye kuwanikwa kuri nyore kwechikwereti, saka yakakurumbira pakati pevatengi veIndia. Kune vanopfuura 6 crore vashandisi vanokodzera. Ivo vanopa akasiyana esarudzo dzekukweretesa, kusanganisira zvikwereti zvemunhu, zvikwereti zvezororo, nezvimwe.
LazyPay isarudzo yakanaka kune chero munhu ari kutsvaga nzira iri nyore yekuwana kiredhiti uye wekuvimba naye wemari akavimbika.
[Kukodzera- 18 makore]
Features
- Kubvisa chikwereti mukati memasekondi 90
- Zviri nyore kubhadhara mazwi emazuva gumi nemashanu
- Hapana magwaro enyama anodiwa uye mvumo yekukurumidza
- Chikwereti cheLazyPay chinogona kushandiswa pasina Indaneti uye pamhepo pamamiriyoni evatengesi
- Kudyidzana kwakasarudzika nemapuratifomu akasiyana seSwiggy uye Tomato, kupa vatengi mamwe mavhocha uye zvinopihwa.
- Flexible tenure sarudzo kubva kumwedzi 3-24, zvichibvumira vatengi kusarudza chirongwa chekubhadhara chinoshanda zvakanyanya kwavari.
- Makwikwi emubereko anotangira pa18% pagore, achikwira kusvika pa32% pagore, zvichienderana nehuwandu hwechikwereti uye kugara.
7. PostPe
PostPe ipuratifomu yekukweretesa yedhijitari yakavambwa muna 2019, muIndia inozivikanwa nekukurumidza uye nyore kuita chikumbiro chechikwereti. Vanopa zvikwereti pasina chibatiso, mitsara yechikwereti, uye dzimwe sarudzo, zvichienderana nezvaunoda.
Ivo vane tarisiro yakasimba pakupa yakasarudzika yevatengi sevhisi. Tagline yavo yemhando, "De Dena Aaram Se" zvinoreva kuti 'bhadhara paunokuitira', inosimbisa basa ravo rekupa vatengi kutonga pamusoro pemari yavo.
Iine nhoroondo yekupa nekukurumidza uye yakachengeteka mhinduro dzechikwereti, PostPe isarudzo yakavimbika kune avo vanoda mhinduro dzechikwereti ipapo.
[Kukodzera- 21 kusvika kumakore 65]
Features
- Customizable EMI sarudzo kune yakasarudzika yekubhadhara chiitiko
- Kushandiswa kwePostPe kiredhiti yekutenga online kana muchitoro
- Yakasarudzika online dashboard yekutevera zvikwereti, mari, uye EMIs
- Yakareruka yekufambisa mari chimiro nekutarisa QR kodhi
- Chikwereti chisina mubereko chinosvika kugumi Lakhs
- Makwikwi emubereko pakati pe24-36% pamari yechikwereti kubva pamwedzi 3-6
8. mPokket
Mpokket ikambani yehunyanzvi hwemari inoita basa rekupa zvikwereti ipapo kuvadzidzi vekoreji muIndia. Chinangwa chavo ndechekuita kuti zvive nyore kuti vadzidzi vawane chikwereti, nekushandisa nharembozha dzavo uye social media.
Inopawo chaiyo kadhi rechikwereti, iro rinogona kushandiswa kutenga, kubhadhara mabhiri, uye recharges. Mpokket yakavambwa muna 2017, iine chiono chekuita kuti chikwereti chive nyore, chiwanike kuvadzidzi.
Kusvika ikozvino, mPokket yakaunganidza mamirioni maviri+ akagutsikana vatengi neavhareji ye2+ nyeredzi paGoogle Play.
[Kukodzera- 18 makore]
Features
- Kurumidza uye nyore kuita chikwereti chekunyorera maitiro
- Makwikwi emubereko, kutanga akaderera se3.5% pamwedzi
- Kungowana mari nekukurumidza pasina kudiwa kwezvisungo zvenguva refu zveEMI
- Sarudzo yakakurumbira pakati pevadzidzi yekuwana kiredhiti
- Inopa mamicroloans anotanga kubva pakadzika se ₹500 kusvika ku ₹20,000, aine madzoro ekubhadhara anosvika mwedzi mina.
9. BadaBro
Badabro ane mukurumbira kiredhiti app muIndia iyo inobata vadzidzi chete. Vanoziva kuti zvingave zvakaoma kuwana chikwereti semudzidzi, uye vanoedza kuita kuti zvive nyore. Iyo app inopa dzakasiyana siyana dzekukwereta uye dzakasiyana dzekubhadhara nguva dzinogona kugadzirwa kuti dzienderane nezvinodiwa chaizvo zvevadzidzi.
Ivo vakabvumidza zvinopfuura 1 lakh zvikwereti, zvichiratidza mukurumbira wavo uye kushanda nesimba. Vanopa mibairo yakaderera uye nzira iri nyore, iyo yakakosha kune vadzidzi vane matambudziko emari uye zvikwereti kubhadhara kuchikoro.
Pakazara, inzira yakanaka kune vadzidzi vari kutsvaga nekukurumidza uye nyore kiredhiti.
[Kukodzera- 18 makore]
Features
- Dynamic credit limit inotangira paRs. 1,000
- Chikumbiro chiri nyore chechikwereti pamhepo, kutamisa ipapo ipapo
- Kurumidza online kubvumidza maitiro
- Flexible kubhadhara mazwi pakati pe61 kusvika 90 mazuva
- Chibereko che5% pamwedzi
10. Pocketly
Pocketly chirongwa chechikwereti muIndia chinopa mhinduro dzechikwereti kune vechidiki. Tagline yavo yemhando ndeye 'Chikwereti cheVechidiki India', iyo inotarisana nekupa mukana wechikwereti kune vechidiki vane shoma kana vasina nhoroondo yechikwereti. Iyo app iri nyore kushandisa uye inopa huwandu hwesarudzo dzechikwereti, zvinosanganisira zvikwereti zvemunhu, zvikwereti zvekufambisa, nezvimwe.
Ivo vane yekukurumidza uye isina musono application maitiro uye ivo vanopa ipapo mari yechikwereti kune vatengi vanokodzera. Chimwe chezvakakosha zvikuru ndechekuti ine zvinopfuura miriyoni yekurodha paGoogle Play, izvo zvinoreva mukurumbira wayo pakati pevateereri vechidiki.
Ivo vanozivikanwa zvakare nemitengo yakaderera-yemari, sarudzo dzinochinjika dzekubhadhara, uye mutengi-centric maitiro. Pakazere, Pocketly isarudzo yakanaka kune vechidiki muIndia vachitsvaga kiredhiti chiri nyore uye chinowanikwa.
[Kukodzera- 18 makore]
Features
- 24/7 chikwereti kuwanikwa
- Cashback referral program
- Kurumidza, 2-tinya-kusaina maitiro
- Hassle-yemahara KYC chiitiko
- Mbereko kubva ku12-36% pagore
- Chikwereti chinokwana kusvika ₹10000 zvichibva panhoroondo yekubhadhara
- Flexible EMI sarudzo uye kugona kuvhara chikwereti chero nguva
11. StuCred
StuCred ndeye yakakurumbira kiredhiti app pakati pevadzidzi muIndia, ichizvikudza nharaunda yevanopfuura 3 lakh vashandisi. Ivo vanopa zvikwereti zviri nyore uye nzira dzekubhadhara dzinochinjika. Ivo zvakare vane yakasarudzika chimiro cheMudzidzi Connect, kubatanidza vadzidzi nealumni, vezera, uye nyanzvi dzekutungamira kwemari.
StuCred yakanaka kiredhiti uye yekutsigira mari sarudzo yevadzidzi, iyo zvakare ine nyore kunyorera maitiro. Ivo zvakare vakazvitsaurira vatengi rutsigiro kune chero rubatsiro runodiwa panguva yekuita.
[Kukodzera- 18 makore]
Features
- StuCred inopa mukana wechikwereti nekukurumidza pa0% mubereko
- Mari yenguva imwe chete ye6% yemari yese yechikwereti inobhadhariswa.
- Nemakoreji anopfuura zviuru gumi akanyorwa, StuCred inowanikwa zvakanyanya kuvadzidzi.
- Maitiro ekubvumidza kiredhiti anokurumidza uye anoshanda, achangopedza maitiro eKYC
- Mari shoma yechikwereti inopihwa neStuCred i ₹1000
- Nekuenderana uye nenguva yekubhadhara chikwereti, StuCred inowedzera kiredhiti muganho nekusvika ₹15,000.
12. kreditbee
KreditBee, inotungamira dhijitari yekukweretesa chikuva muIndia, inopa dzakasiyana siyana sarudzo dzechikwereti uye mushandisi-ane hushamwari ruzivo kune vatengi vayo. Nekukurumidza uye nyore kunyorera maitiro, ivo vanopa ipapo kubhadhara chikwereti kune vatengi vanokodzera. Ivo vane ruzivo rwakakura uye vakabatsira vazhinji, sezvakaratidzwa nekubvisa kwavo mari inopfuura 30000 crores yechikwereti kusvika parizvino.
KreditBee inozivikanwa neyayo mutengi-centric maitiro, kukwikwidza mubereko, uye inochinjika yekubhadhara sarudzo. Isarudzo yakanaka kune avo vari kutsvaga nyore uye kiredhiti inowanikwa.
[Kukodzera- 21 makore]
Features
- Mari dzekufarira dzinotanga pa1.02% pamwedzi uye dzinokwira kusvika 2.49% pamwedzi
- Kreditbee inoshandisa AI-based platform kutarisa kukodzera kwechikwereti, ichivimbisa kuti zvikwereti zvinopihwa kune vanokodzera.
- Sarudzo dzechikwereti dziripo dzinobva pasi se ₹1,000 kusvika pakakwirira se ₹3 Lakhs
- Kreditbee's loan application process inowanikwa 24/7, zvichireva kuti unogona kunyorera chikwereti chero nguva.
- Maitiro ekubvisa chikwereti anokurumidza, nemari iri kuwanikwa mukati memaminitsi gumi emvumo yechikwereti
- Kreditbee's application process ndeye 100% pamhepo, ine zvinyorwa zviri nyore, uye kubhadharisa pasina kunetsekana.
Pamusoro 3 Picks
Kudzikisira pasi kutsvaga kwepamusoro kiredhiti mapurogiramu evadzidzi muIndia hazvina kumbobvira zvave nyore! Mushure mekunyatsoongorora gumi nembiri dzezvakanakisa sarudzo, isu takadzikisira kusvika kune epamusoro matatu anofanirwa-kuva nemaapplication.
Ngatinyure mukati uye tichinyatsoenzanisa aya epamusoro mapikicha
1. mPokket
zvayakanakira:
- Mushandisi-ane hushamwari interface inoita kuti zvive nyore kufamba uye kunyorera chikwereti
- Basa rakanaka revatengi rinogara rakagadzirira kutsigira chero mibvunzo kana zvinonetsa
- Nzvimbo yekuwedzera zuva rakakodzera, iro rakanakira shanduko dzisingatarisirwe mumamiriro emari
nezvayakaipira:
- Yakaderera yekutanga kiredhiti muganho, uye maitiro ekuwedzera anogona kunonoka
- Mhosva dzakavanzwa dzakashumwa, kunyangwe nemari shoma
- Mberero yepamusoro yevadzidzi kana ichienzaniswa nemamwe maapp echikwereti.
- Kubvisa chikwereti kunogona kutora nguva.
2. KreditBee
zvayakanakira:
- Kukurumidza kubhadhara kwechikwereti kunogona kubatsira kana pane emergency
- Smooth uye yakanyatsogadzirwa mushandisi interface
- Inoda magwaro mashoma, zvichiita kuti maitiro ekunyorera ave nyore
- Muripo unonzwisisika wemari yechikwereti
nezvayakaipira:
- Kuongorora kunogona kutora nguva yakareba kupfuura yaitarisirwa
- Kuongororwa kwechikwereti chechikwereti kunogona kusashanda
- Muripo wekugadzirisa wakakwira zvichienzaniswa nemamwe maapps echikwereti
- Rutsigiro rwemutengi runogona kusagutsa.
3. SlicePay
zvayakanakira:
- Yakazara dhijitari maitiro, kupedzisa kudiwa kwezvinyorwa zvenyama
- Yakanakira emergency sezvo ichipa makiredhiti ipapo mukati memaminetsi gumi
- Mibereko yakaderera uye hapana miripo yakavanzika
nezvayakaipira:
- Complicated interface inogona kunetsa kufamba
- Mishumo yerutsigiro rwevatengi isingapindure kumibvunzo nenguva
- Mitemo yechikwereti yadzikira munguva pfupi yapfuura
- Kuchinja-chinja mukusarudza nguva yechikwereti.
Our Verdict
Kana zvasvika pakutsvaga iyo chaiyo kiredhiti app yevadzidzi, zvese ndezvekuyera zvakanakira nezvayakaipira. Uye kana zvasvika kreditbee, zvazvakanakira zvinopfuura zvakaipa!
Nekubhadhara kwayo kwemheni-kukurumidza kwechikwereti, mushandisi-ane hushamwari, uye mibairo inonzwisisika, ndiyo yekupedzisira 'emergency fund' gamba.
Unoda mari nekukasira? KreditbBee ane musana wako.
Waneta nemapepa? KreditBee's zvidiki zvinyorwa shanduko inogamuchirwa.
Mari dzemubereko dzinokupa hurombo? Mitengo yeKreditBee mimhanzi munzeve dzako.
Chokwadi, hapana app yakakwana, asi Kreditbee ndiyo yakanyatsokodzera vadzidzi nekukasira kubvisa uye nyore kushandisa maitiro. Ita KreditBee wako wingman munyika yezvemari dzevadzidzi.
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