Zvibatiso zvehurumende ndeimwe yemari yakagadzikana sezvo isina njodzi uye inovimbisa imwe kudzoka kwakasimba pakudyara gore rega rega.
Inovimbisawo kubhadharwa kwakakwana kwekudyara kwemari kana bond rehurumende rakura.
Kuwedzera kuwanikwa kwezvivimbiso zvehurumende zvakadaro, Mutungamiriri weIndia nguva pfupi yadarika akatanga RBI's Retail Direct Investment Scheme.
Ichi chirongwa chinobvumira vatengesi vadiki kuti vadyare mumhando dzese dzehurumende uye yepakati mabhondi ehurumende ane chokwadi chekudzoka.
Chii chinonzi Retail Direct Scheme?
Iyo Retail Direct Investment Scheme idanho rakatorwa nehurumende yeIndia rekugonesa vatengesi vezvitoro kuti vadyare muzvibatiso zvehurumende zvakananga, pasina dambudziko.
Zvisungo zvehurumende zvinogona kutengwa uye kutengeswa pamhepo.
Iyo shoma yekudyara mari muRBI retail direct scheme iRs 10,000 uye inowanda.
Central Government Securities, Treasury bills, uye State Government Securities inogona kutengwa pasi pechirongwa ichi online.
Zvese zvaunoda semuridzi wemari kuvhura Retail Direct Gilt account neReserve Bank yeIndia.
Iyo yakanyanya iwe yaunogona kuisa mari pabhidhi pasi pechirongwa ichi maviri crore rupees.
Iwo vatengesi vekutanga, makambani ayo tenga mabhondi ehurumende zvakananga kubva kuhurumende uye vozozvitengesa kune vanoisa mari, vanotarisirwa kuuya nekutenga nekutengesa makotesheni munguva pfupi iri kutevera kuitira kuti vatengesi vezvitoro vakwanise kutenga nekutengesa zvibatiso zvehurumende pamusika wema bond market.
Kuunza iyo Retail Direct Investment Scheme muMusika weIndia
Kekutanga apo chirongwa ichi chakataurwa yakadzoka muna Kukadzi 29021, pasi pekugadzirisa mari yeIndia.
Nekudaro, musi wa12 Mbudzi, Mutungamiriri weIndia akatanga chirongwa ichi zviri pamutemo, achiti "Retail Direct Scheme ichapa simba mukubatanidzwa kwemunhu wese muhupfumi sezvo ichiunza vepakati, vashandi, mabhizinesi madiki nevakuru vane hupfumi hwavo. mari shoma yakachengetedzwa zvakananga uye chengetedzo mumasecurity ehurumende. "
Pamberi pekutangwa kweichi chirongwa, hombe masangano anoisa mari, kusanganisira kubatana mari makambani, makambani einishuwarenzi, mabhanga, nemamwe masangano akafanana aitonga zvakanyanya musika weIndia Bond. Izvi hazvina kusiya nzvimbo yakawanda kuti vatengesi vadiki vatore chikamu mukuva nechikamu mubhondi rehurumende ivo vamene.
Nekudaro, nezvibatiso zvehurumende zvinopa imwe yeakakwirira mavhoriyamu mumusika wemari wakatarwa nekuda kwehunhu hwayo husina njodzi, iri zvakare imwe yeanonyanya kuchinjika mahorizons ayo anogona kugonesa vatengesi vezvitoro kuti vawane kuyerera kwemari nguva yese yekudyara.
Nekudaro, kuvhurwa uku kwakamirirwa zvakanyanya, izvo zvisiri kungobatsira hurumende kuburikidza nekukwidziridzwa kwemari asiwo nevanoisa mari vanowana mubereko wakavimbiswa pane zvakafanana.
Chii chinonzi RBI's Retail Direct Gilt Account?
Vese vatengesi vezvitoro vanoda kupinda mumusika wezvibatiso zvehurumende uye kunakidzwa nemabhenefiti anoenderana vanogona kuzviita nekuvhura nekuchengetedza iyo Retail Direct Gilt Account neReserve Bank yeIndia.
Kuburikidza neakaunti iyi, ivo vanogona kuisa mari zvakananga muma-g-secs uye zvakare kuwana kuratidzwa kune RBI Retail Direct Investment Scheme.
Vagadziri vemari vanowana mukana kune ese ekutanga uye echipiri misika.
Mumusika wekutanga, vachange vachitenga zvakananga kubva kuReceiver Bank yeIndia. Ipo, mumusika wechipiri, vachakwanisa kutenga zvibatiso zvehurumende kubva kune vamwe vanoisa mari pamutengo wemusika uripo.
Iyo RDG account inogadzirwa zvakanangana neRBI Retail Direct Investment scheme uye inongoda mashoma matanho ari nyore kuti avhurwe online.
Vese vakanyoreswa vekutanga vanoisa mari vanogona kuwana yekutanga g-sec kuburitswa pamwe neNegotiating Dealing System Order Marching Systems (NDS-OM) zvakare.
Iyo NDS-OM inongova yemagetsi/online order match system inoenderana nemaodha mumusika wechipiri wezvibatiso zvehurumende.
Nekushandisa iyo Retail Direct Gilt Account, munhu anogona kuisa mari mumabhondi ehurumende yepakati, Hurumende yeIndia Treasury Bills, State Development Loans (SDLs), State Government Bond, uye kunyange Changamire Goridhe Bond panguva yakatarwa.
Chekupedzisira, kana tikataura nezve zvakawanikwa neRetail Direct Gilt Account, mari inowanikwa ichaverengerwa pazvibatiso zvese zvaunobata/kutengesa mugore rezvemari kana ukasarudza kuita mari yakananga g-sec.
Zvisinei, kana iwe ukaisa mari / kutengesa neGilt mutual funds, mari inowanikwa ichaverengerwa kwenguva iyo iwe unobata mutual fund units, zvisinei kuti ingani mabhizimisi anoitwa panguva yekutonga chirongwa.
Ndiani anogona kunyorera iyo Retail Direct Gilt Account?
Iwo matatu mapoka evanhu vanokodzera kunyorera chirongwa ichi ndeiyi -
- Sekureva kwechirongwa ichi, vese vanoita zvekutengesa vanokodzera kunyoresa kuchirongwa ichi uye kuchengetedza Retail Direct Gilt account. Ivo zvakare vanofanirwa kuve nenhamba yeakaundi yekusingaperi (PAN), nharembozha yakanyoreswa, India rupee yekubhengi account, uye kero ye-e-mail inoshanda kuti vakwanise kuisa mari kuburikidza neRetail Direct Investment Scheme.
- Mumwe anogona kuvhura iyo Retail Direct Gilt account ingave yega kana yakabatana neyechipiri mutengesi mutengesi anogona kuzadzisa zvakatarwa zvataurwa pamusoro.
- Anu asiri mugari wekutengesa mutengesi anokodzerawo kuisa mari mumabhondi ehurumende kana ruzivo rwavo ruchiwira pasi peForeign Exchange Management Act (1999).
Mabhenefiti ekudyara kuburikidza neRetail Direct Investment Scheme
- Ichi chirongwa chinobvumira vese vanoisa mari, vakuru kana diki, mukana wekudyara wakananga muzvibatiso zvehurumende uye kubatsirwa kubva kune zvakafanana.
- Ichi chirongwa inzira imwe chete yekumisa mhinduro yekugonesa vanoisa mari kuti vapinde mumisika yese yehurumende neyechipiri.
- Munguva pfupi, iyo NDS-OM ichavhura isinganzwisisike yakawanda sisitimu umo vatengesi vezvitoro vanobvumidzwa kutengeserana mune zvakati wandei zvitoro, izvo zvisingade inorema chunk yemari yavo kuiswa mune chimwe chiridzwa pachacho.
- Chirongwa ichi chiri kuzobvumira vatengesi vezvitoro kuti vatengese zvibatiso zvehurumende sekuda kwavo, pasina zvirambidzo.
- Masecurity ehurumende haana njodzi zvachose uye anopa kuvimbiswa kudzoka kune vanoisa mari.
- Chirongwa ichi chichabvumira vese vanoisa mari kuti vavhure uye vozochengeta account yekuchengetedza hurumende pasina imwe mari.
- Pane mukana wevatengesi vezvitoro kuti vagamuchire mabhenefiti emutero ekudyara mune yakananga kuchengetedzwa kwehurumende.
Iwe unogona sei kuisa mari mumasecurity ehurumende kuburikidza nechirongwa ichi?
- Enda kune RBI Retail Direct online portal uye vhura Retail Direct account neRBI.
- Zadza fomu repamhepo uye utumire password yenguva imwe chete yaunogamuchira pane yako yakanyoreswa nharembozha
- Zvinyorese pachako kuti uwane zvibatiso zvehurumende pamusika wekutanga.
- Tevedza mamwe matanho akadzama aunogamuchira neako echokwadi email ID
- Kana uchinge wabudirira kunyoresa, unogona kutenga zvisungo zvehurumende mumusika wekutanga kuburikidza nekutengesa chikwereti chekutanga kana mumusika wechipiri pachako.
- Maokisheni emabhondi aya anoitwa neChishanu choga-choga namaneja wezvikwereti wehurumende, Reserve Bank of India
- Iwe unogona kubhadhara kutengwa kwemabhondi kuburikidza neUPI kana mambure emabhengi mabhengi anopihwa neiyo portal.
- Mari yacho inobviswa kana bhidhi yatumirwa
Mabhondi ehurumende akamira sei pari zvino?
Parizvino, nezve 97 zvibatiso zvehurumende zvakasara izvo zvine tembiricha pakati pemwedzi mitatu kusvika kumakore makumi mana.
Zvese izvi zvibatiso zvakasanganiswa kusvika pamakumi manomwe nepfumbamwe lakh crore rupees. Hurumende yepakati yeIndia iri kutarisira kukwereta ingangoita gumi nemaviri lakh crore rupees nekupa mabhondi ehurumende kune vese varidzi vemasangano nevezvitoro.
Pakangotanga chirongwa ichi, pakava nekuwanda kwekunyoresa mumaawa mashoma. 12,000 kunyoreswa kwakaitika nekutora chikamu chinoshanda kubva kune vanoisa mari vakabata Sovereign Gold Bonds.
Sekondari Musika Kuisa Mabhenefiti kuburikidza neRD Investment Scheme
Chirongwa chitsva ichi chinopa vanoisa mari mukana kune yechipiri musika, iyo ruzhinji rwevanhu vanonyanya kufarira. Izvi zvinodaro nekuti kudyara kwemusika kwechipiri kunozivikanwa kupa kudzoka kwepamusoro munguva pfupi.
Saizvozvo, kuisa mari mumasecurity ehurumende kuburikidza nemusika wechipiri kune zvakare varipo vezera-vatsva vanoisa mari kuti vakwanise kuwana zvakakosha kudzoka munguva isiri yakawanda.
Vagadziri vemari vanogona kuwana iyo g-sec's yechipiri musika portal kuburikidza nebhanga repakati rekutengesa rakananga portal online. ID kubva kuClearing Corporation yeIndia Ltd. ichapihwa kune wega wega anodyara mumusika wechipiri.
Pashure pacho, kurongeka kufora, uye zvikumbiro zvinyararire zvinogona kuwanikwa nevanoita mari pamhepo.
Vagadziri vemari vanogona kuisa, kutenga, uye kutengesa maodha kuburikidza yavo yekutengesa yakananga gilt account. Izvi zvinofanirwa kuitwa mushure mekunge vatumira mari kuburikidza neinternet yekubhadhara system. Ku retail portal. Mwero wekuti account yako inobata chiyero inogona kushandiswa kutenga g-sec ipapo ipapo.
Pakupedzisira, munhu anodyara mari anogona kugadzirisa kutengeserana kwakavakirwa paT + 1, zvinoreva kuti rimwe zuva mushure mezuva rekutengesa.
Saka, ino ndiyo nguva yakakodzera yekudyara muzvibatiso zvehurumende izvozvi?
Iwe unogona chaizvo kutarisira kutenga yakabatwa-ku-kukura bhondi panguva yazvino, sezvo zvichitarisirwa kukuponesa kubva mukuenderera mberi kwemusika-ku-musika kushanduka. Ichava bheji yakakodzera kune avo vanotsvaga kudzoka kwakadzikama uye kuchengetedzwa kwemari panguva yekuisa mari.
Nekudaro, sezvo chirongwa ichi chichangobva kutanga, kumirira kweinenge 4 kusvika 6 mwedzi inguva inonzwisisika yekuongorora kuti musika uri kufamba kupi uye kuti uri kuita sei.
Kubudirira kweRBI Retail Direct Investment scheme kuchaenderana nekushomeka kwemabhondi aya kana munhu anodyara mari auya kuzoitengesa uye kana achinge akwanisa kuitengesa nemutengo une pundutso.
Parizvino, chero munhu anosarudza nzira yakananga iyi yekupinda mumusika wezvibatiso zvehurumende anofanira kunge akanyatso ziva nezvemusika uye zvese zvinhu zvinokanganisa nekufambisa mitengo yezvibatiso izvi.
Inokurudzirwawo kuti idzidze zvakawanda pamusoro pezviri kuitwa nehurumende, nezvairi kuronga kuita, kuti tinzwe pamire hurumende pari zvino. Kana iwe uri mutsva pakudyara, kutora rubatsiro rwehunyanzvi kuchakubatsira kuita zvirinani uye zvine hungwaru sarudzo dzekudyara.
Heano iwo epamutemo zvinongedzo kuRBI Retail Direct Scheme kana iwe uchida rumwe ruzivo:
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