Neobanks ari kuuya mukutenderera kuzere muIndia.
Uye zvinofadza kuona ese mazano matsva uye kupedzisa kwavanounza. Nekuti iri ndiro remangwana, kwete hurongwa hwekubhanga hwatinahwo parizvino. Aya maNeobanks ari nyore kutanga, akachengeteka zvakaenzana, uye zvakanyanya kudhura-inoshanda.
Heano mamwe epamusoro maIndia Neobanks aunogona kuedza maoko ako. Izvi hazvina kufanana nemamwe rondedzero yeNeobanks - Ndakanyora chete iwo maapplication anoshanda, uye ane mushandisi ane mushe.
Uye kwete, Paytm Payments Bank haisi imwe yacho.
Tisati tapinda murondedzero, heino sumo shoma nezveNeobanks.
Chii chinonzi Neobank?
A Neobank idhijitari-chete bhangi pasina kuvepo chaiko. Hapana bazi raunogona kuisa mari, hapana mapepa, hapana kushanya chaiko.
Asi Neobank harisi iro bhangi kana iwe ukatora RBI mirau mune noti. Muchokwadi, chero ese ari pazasi masevhisi haazviti ibhengi. Iwo maapplication emari nemasevhisi. Ivo havana zvivakwa zvekuchengeta mari yako.
Aya maNeobanks anoshandisa mamwe mabhengi akajairwa sehomwe yavo, sekutaura. Akaunti yako nemaNeobanks aya inotambirwa uye inodzorwa nemasangano emari RBI ane rezinesi semabhangi. Zvakadai seHDFC, uye ICICI bank.
Mari yaunoisa muakaundi yako yeNeobank inodzorwa nekugadziriswa nebhangi remubatanidzwa. Funga nezvenhamba yako yeakaundi yeNeobank semumiriri pakati pako, iyo Neobank nebhanga remubatanidzwa.
Zvese izvi zveNeobanks zvinoita kuti zvese zvive nyore kune vatengi vavo. Haufanire kupfuura nematani emapepa. Tsigiro inokurumidza kupfuura yakajairwa mabhanga; app yavo ndeyemazuva ano, uye haufanirwe kubhadhara matani ezvimwe muripo.
Uye ndosaka chizvarwa changu chichichida.
Ngatitange yedu runyorwa rweakanakisa Neobanks muIndia.
1. Fi. (Fi.Money)
Fi yaive yekutanga Neobank yandaifarira. Isati yatanga, taive nemabhanga edhijitari kana mapurojekiti enguva pfupi akabuda kunze kwebhizinesi nekuda kwezvikonzero zvakasiyana, kusanganisira kutadza kushambadzira.
Muenzaniso wakanaka ndeye IDFC Niyo. Vaive nechigadzirwa chikuru asi vakatadza kuchitengesa kune vateereri chaivo.
Asi Fi akaita chaizvo izvo zvaifanira kunge zvakaitwa - kunanga chizvarwa chechidiki uye kuvapa zvavanoda. A yemahara saving account, mibairo ye kuchengetedza mari, yakanakisa UX, uye hapana mapepa chero.
Uye vakasvitsa shoko ravo nenzira inobudirira kuvateereri chaivo.
Fi yakabatana neFederal Bank. Izvi zvinoreva kana iwe ukavhura account yekuchengetedza neFi, unenge uchitovhura account neFederal Bank futi.
Ivo vane UX yakakura uye iyo Fi App inotaridzika zvakanaka. Parizvino inowanikwa chete kune Android Smartphones. Parizvino, kwave nekusimudzira kwakanyanya uye vashandisi vakaida.
Kuvhura account kuri nyore. Iwe unofanirwa kusaina yavo yekumirira uye ivo vanokutumira iwe Fi.nite kodhi vachishandisa iyo iwe yaunogona kugadzira account paFi app. Kunyangwe kazhinji kazhinji iwe unowana mukana wekukurumidza kune yako Fi.nite kodhi.
Fi inokutendera kuti uvhure zero saving account account uko inosvika 5 lakhs inopihwa inishuwarenzi neRBI.
Muapp, unogona kuongorora zvawakamboita zvekare. Ona zvakajeka kupi uye kuti yakawanda sei yaunoshandisa mari yako yakawanda.
Iwe unowana yemahara debit kadhi, inofambiswa neVISA. Unogona kubvisa mari, shandura pamhepo, shandisa PayWave uye woivhara nekudzvanya kamwe chete paunoda.
Iko hakuna kubhadhariswa kweNEFT, IMPS kana RTGS kutamiswa. Unowana mabhuku maviri echeki kota yega yega mahara. Iko hakuna mari ye forex zvakare.
Kana iwe uchijairana neICICI bank's iWish chimiro, Fi inopa chimwe chinhu chakafanana nayo. Iwe unogona kugadzira FIT mitemo uye otomatiki chengetedza mari yakatarwa pese paunoita kutengeserana. Uye iwe unowana mubairo kuchengetedza mari yako.
Pane chimwe chinhu chinonzi Stash. Funga nezvayo se flexible fixed deposit. Unogona kuisa chero mari, chero nguva uye kuwana 5.1% mubereko. Pa
Iwe unowana mukana wekutaura rutsigiro 24 × 7. Fi inowanikwa pane ese Android uye iOS mapuratifomu.
Pakupedzisira, Fi ine timu yakanyanya kunaka kumashure kwayo. Boka rakamira kumashure kweFi rine vekare veGoogle, PayPal, PhonePe uye Paytm vashandi.
Ini ndinotara Fi seye #1 Neobank muIndia.
2. Jupiter (Jupiter.Money)
Jupiter ndiyo inonyanya kufarirwa Neobank kubva muna 2021 muIndia.
Zvese nekuda kwekushambadzira kwavo uye maitiro ekuvaka bhangi rine mamireniyumu sechirongwa chenharaunda.
Jupiter yakagadzira foramu yekuti vanhu vabatane uye vagovane maficha, kuona tsikidzi, uye kuyedza beta app, ichiita kuti ive inofarirwa nefani.
NeJupiter, iwe unopihwa mubairo wekushandisa mari. Kune yega yega mari yekutengeserana, iwe unowana 1% semubairo. Mubairo uyu unodaidzwa kuti “matombo anokosha” ayo haapere uye anoshandurwa nemari pese paunoda.
Zvino ndicho chikonzero chikuru chekushandisa Jupiter debit makadhi uye UPI. Iwe unovimbiswa 1% yekudzoka pese paunoshandisa mari, inobhadharwa nemari.
Jupiter zvakare yakabatana neFederal Bank, zvinoreva kuti zvese zvinopihwa neFi, Jupiter anoitawo. Kuvhura account yekuchengetedza neJupiter kuri nyore kwazvo. Iwe unongofanirwa kuzadzisa vhidhiyo KYC uye kuisa INR 3000 kekutanga kuwana mukana kune ese maficha.
Iwe unowana yemahara VISA debit kadhi, yakarongedzwa zvinoyevedza zvakare. Hapana mari yegore negore, hapana mari yekugadzirisa, kana mari yekutengeserana.
Jupiter inopa ruzivo rwakadzama mumari yako. Inoisa kutengeserana muzvikamu zvakawanda uye inokubvumira kuti uongorore kuti mari yako iri kuenda kupi. Nzira yakanaka yekuona pauri kushandisa overspending.
Sezvo ichifambiswa neUPI, Jupiter inogona kukwevera akawanda maakaundi ekubhanga akabatana nenhamba yako uye kukuratidza yako yazvino yemvura kukosha kwemari. Zvakafanana nei INDmoney anoita.
Pane imwe savings deposit feature inonzi Pots.
Iwe unogona kuseta zvimwe zvinangwa zvemari uye woisa mari mune idzi Pots otomatiki. Uye iwe uchawana mubairo, zvakare, kana wapedza chinangwa chako. Hapana mari yekubvisa, chero.
Kuenzaniswa neFi, Jupiter ichakubhadharisa mubhadharo mushure meiyo 6th IMPS transaction. Kune zvakare mubhadharo weNEFT/RTGS mushure mekutengesa kushanu mugore.
Chikwata chekutsigira chaJupiter chinokurumidza, uye vane nharaunda inoshanda kwazvo foramu zvakare.
Jupiter inowanikwawo chete pa Android, uye iyo iOS app iri pasi pekuongororwa kwebeta.
3. FREO.Money (FreeSave)
Freo chimwe chirongwa cheNeobank chandanga ndichitevera zvakanyanya.
Ichiri kugadziridzwa, asi pane mamwe maficha akakosha anogona kukufadza, akadai se:
- 7% mubereko wemubereko - Izvi zvinokunda FD uye Mari yeChikwereti, iyo zvakare pazero yekuchengetedza saving account.
- Mutsetse wechikwereti pamwe neakaundi yako yekuchengetedza.
- Freo kadhi - a kadhi ne zero fees, uye 30-mazuva-yemahara-yemahara nguva.
Yavo yemureza app - Mari Tap yakavandudza zvakanyanya mumwedzi ichangopfuura. Iyo app inobvumidza iwe kutora chikwereti chako ipapo ipapo. Parizvino, vabvisa INR 4,000 crores kuburikidza neMoney Tap.
Uye vari kushandisa zvidzidzo zvakadzidzwa neMoney Tap kugadzira Freo, account yekuchengeta inotungamirwa nechikwereti.
Freo ichave yakabatana neEquitas Small Finance Bank.
Freo ichiri pasi pechikamu chekuongorora cheAlpha. Panogona kunge paine zvimwe zvinonakidza zvinouya. Kana iwe uchida kuva mumwe wevashandisi veFreo vekutanga, unogona kusaina yavo yekumirira paFreo.Money.
Kwandiri, zvinoratidzika kuva zvinovimbisa zvikuru uye zvitsva.
Kwidziridzo - FreoSave yave kurarama izvozvi.
4. INDmoney Super Saver Account
Mushure memwedzi mishoma yekuona INDMoney's New Super Saver account, ndinofunga kuti zvakanaka kuiwedzera kune iyi runyorwa rweNeobanks.
Iyo Neobank, shure kwezvose. INDmoney's Super Saver account inofambiswa nebhangi reSBM.
Kuburikidza neSBM bank, mapuratifomu akadai INDMoney uye Vested inogona kutsigira yemahara INR kuenda kuUSD kutamiswa kufambisa mikana yekuUS stock investment kune maIndia.
Nekudaro, iyi account inoshanda seyakada kufanana neakaundi ese ekubhangi. Iwe unowana kufarira kubhadharwa mwedzi wega wega, iwe unowana mukana kune internet banking portal pane SBM mabhangi webhusaiti. Vanokurumidza kuseka kadhi rechikwereti rakachengetedzwa zvakare.
Haukwanise kuwana kadhi rechikwereti, asi ndine chokwadi chekuti SBM bhangi, kana ukavabata zvakananga, richakutumira kadhi rechikwereti.
Kana iri UPI, unogona kuinyoresa uchishandisa chero app, yakadai seWhatsApp kana Slice. Ingoshandisa nhamba imwechete yawakashandisa kuvhura iyo INDMoney super account uye kunyoresa iyo UPI pane chero app inoitsigira.
5. NiyoX
Iwe unogona zvakare kupa NiyoX Neobank edza. Iyo Equitas Diki Finance bhangi-powered dhijitari yekuchengetedza account. Iwe uchawana 7% mubereko mubereko neNiyoX uye iwe unogona zvakare kuisa mari mukati Mutual Funds vachishandisa yavo 2-in-1 account.
NiyoX ine inotonhorera-inotaridzika dhibhiti kadhi, asi ndeyemahara kwegore rekutanga chete.
NiyoX haina akawanda maficha seJupiter kana Fi, asi inoita basa racho.
Uye iwe unogona kupinda muakaundi yako yeNiyoX kuburikidza net banking zvakare, izvo vamwe vese vatatu vari pamusoro vasingatenderi natively. Iwe unozofanirwa kunyoresa kune mumwe wako bhangi kuti uwane net banking.
Mool.One, Fold.Money, Neo-Bank neAtlas neFinin
Ini handina kuvaisa muchirongwa ichi nechikonzero chimwe chete - handitarisire kuti vachakwanisa kukwikwidza naJupiter naFi. Ndokunge vatanga chigadzirwa chavo chero nguva munguva pfupi.
Fold.Money yanga ichigadziriswa kwemakore maviri apfuura. Finin haana kana basa chero. Neo-Bank neAtlas haisati yazivisa chero yakanaka update.
Iyo chete inovimbisa tarisiro ndeyeMool.one. Nekudaro, pane yakawanda nguva yekumirira Mool isati yatangisa yavo yekutanga Neobank app.
Ndizvo.
Kune akati wandei mamwe maNeobanks muIndia asina kuita runyorwa urwu, seRazorPayX neNeobank naAtlantis, kusanganisira boka remabhangi edhijitari ehurumende.
Nekuti aya mabhangi haana kunaka seJupiter kana Fi. RazorPayX inovakwa zvakanangana nemabhizinesi.
Neobanks ichiri chirevo chitsva chevaIndia, saka isu tichafanirwa kumirira uye kuona kuti zvinhu zvinofamba sei sezvo vakwikwidzi vatsva vanouya munzvimbo ino nemazano matsva uye nzira dzakasiyana.
Kusvika ipapo, Jupiter, Fi, uye Freo ndiwo matatu akanakisa Neobanks muIndia.
Ndizivise pfungwa dzako mumashoko. Kana iwe uine/uchishandisa Jupiter kana Fi, govera ruzivo rwako pazasi.
Heya
Tinogona here kushandisa federalbank debit kadhi cashback inopa pane e-commerce saiti, tichishandisa fi yakapihwa debit kadhi.
Aayush Bhaskar
Chokwadi unogona.
Vineeth
Ndokumbira utarise Niyo uye zvese zvigadzirwa zvayo
Aayush Bhaskar
Chokwadi Vineeth, ini ndichavhara Niyo mune zvinotevera zvinyorwa.
sayan
Ndeipi dhipoziti yekutanga inodiwa kuti uvhure account muFi? Uye vanobhadharisa chero mari yekugadzirisa uye yekubhadhara kadhi rechikwereti?
Aayush Bhaskar
Hapana - i-zero-balance account yechipiri paunoivhura. Asi ivo vanokurudzira kuchengeta angangoita zviuru zvitatu. Uye hapana kubhadhariswa chero chinhu chine chekuita nemakadhi.
Seema
Pane chero mugari wemuIndia ari pamusoro pemakore gumi nemasere ekuberekwa kuvhura account muFi? Uye ndinofanira kunyorera zvakasiyana kune VISA kadhi?
Aayush Bhaskar
Ehe! Chero ani zvake anogona kuvhura account yeFi. Vakanga vaine cheki yakaoma yePF muzvikamu zvekutanga. Nekudaro, zvakabva zvave nyoro cheki sekuziva kwangu. Uye iwe uchagashira kadhi rako rekubhengi pasina mamwe maitiro.
richa
Ko Aadhar ruzivo runodiwa pakuvhura Neo bank Account?
Aayush Bhaskar
Ehe! zvose Aadhaar uye PAN.
S Garain
Ndeipi Neo Bank inogona kushandiswa pawebhusaiti? Ndinonzwisisa Fi neJupiter zvinogona kushandiswa chete muMobile App.
Aayush Bhaskar
Unogona kushandisa Federal Bank's net banking kana uri paFi kana Jupiter. Zvisinei, iyo chete neobank yaunogona kuwana (ikozvino) kuburikidza nedesktop browser ndeyeAceNeobank (ndinotenda kuti inowanikwa munzvimbo shoma shoma) uye Open.Money - yebhizimisi chete.