Kuisa mari mumusika wemasheya kwave kuwanikwa nyore kune veruzhinji sezvo pasi rose rawedzera kudhijita.
Vagadziri vemariyori zvino vanokwanisa kutarisisa zviwanikwa zvavo, kutengesa masheya uye zvigadzirwa, uye kugadzira mapotifolio akasiyana kubva kuma smartphones avo, nekuda kwekuuya kwevatengesi vepamhepo uye mapuratifomu ekudyara.
Mabroker maviri akadai epamhepo akawana mukurumbira muIndia ndeaya Zerodha uye INDmoney. Nepo ese ari maviri mapuratifomu achipa masevhisi akafanana, ane akasarudzika maficha uye anonangwa akasiyana marudzi evanoisa mari.
Zerodha ndiye mutengesi mukuru uye akavimbika wepamhepo muIndia, achipa zvakachipa yekutengesa chikuva nematurusi epamusoro uye maficha. Kune rimwe divi, INDmoney inzvimbo yakazara yehupfumi manejimendi inopa yakasarudzika mazano ekudyara uye anotonga hupenyu hwako hwese hwemari.
Muchinyorwa chino, isu tichaenzanisa iyo demat account masevhisi anopihwa naZerodha uye INDmoney, uye tokubatsira iwe kusarudza kuti ndeipi puratifomu yakakunakira iwe. Saka, ngatinyure mukati!
I. Pfupiso yeZerodha neINDmoney
(i)Zerodha
Zerodha, kambani hombe yekuIndia yekutenga zvidhori pamhepo, yashandura nzira iyo vanhu vanodyara nayo mumusika wemasheya.
Yakavambwa muna 2010 neakasimba duo yaNithin Kamath naNikhil Kamath, Zerodha inodada nekuva nevatengi vanopfuura crore 1 uye inopa inopfuura gumi neshanu muzana yemavhoriyamu ese ezvitoro muIndia zuva nezuva.
Sangano, iro rine muzinda waro muBengaluru, rakashandura chikamu chebrokerage chemasheya.
Chinangwa cheZerodha ndechekubvisa vese vepakati kuitira kuti munhu wese awane zvinokwanisika, zvemhando yepamusoro masevhisi emari.
Iine mushandisi-ane hushamwari chikuva uye yekucheka-kumucheto tekinoroji, Zerodha yakagadzira kutengeserana kwemasheya inowanikwa kune ruzhinji, nekudaro kuita demokrasi kumusika wemasheya weIndia.
(ii)INDmari
INDmoney ichangobva kupinda munyika yekudyara uye kutonga kwehupfumi muIndia.
Yakatangwa muna 2019 uye yakatounganidza vashandisi vanopfuura mamirioni manomwe uye iri kukurumidza kuita mukurumbira. Kusiyana nemamwe maapplication ekudyara, INDmoney inopfuura kungoisa mari app; imhuri yekuronga hupfumi app inobatsira vashandisi kuronga mari yavo uye kuisa mari yavo nehungwaru.
Nekuwana zvinopfuura zviuru zvishanu zvemasheya uye 5000 mutual fund, INDmoney inopa dzakasiyana siyana dzekudyara sarudzo kune vashandisi vayo. Yakavambwa naAshish Kashyap, bhizinesi iri rine muzinda kuGurgaon, Haryana.
INDmoney ine chinangwa chekumisa manejimendi ehupfumi uye kuita kuti iwanikwe kune vese, zvisinei neruzivo rwavo rwemari kana ruzivo.
II. Fees uye Charges
(i)Zerodha
Mari dzekuvhura account:- Kana zvasvika kune mubhadharo uye mhosva, Zerodha inopa yemakwikwi mitengo muIndia stock brokerage indasitiri. Iyo yepamhepo account yekuvhura mubhadharo weequity, F&O, uye mari ndizvo 200 INR, uye ndizvo 300 INR zvekutengesa zvinhu. Mari dze offline ndeiyi 400 INR uye 600 INR azvaitwa.
Mari yekuchengeta gore negore:-Iyo account yekuchengetedza mari kana AMC ndeye 300INR + 18% GST pagore, iyo inobhadhariswa mwedzi wega wega kureva 75INR+ GST mazuva makumi mapfumbamwe ega ega ayo anobviswa otomatiki kubva kuaccount yako.
Mhosva dzebrokerage:- Iyo brokerage haibhadhare chero muripo weiyo equity kuendesa kutengeserana, uye kune intraday uye ramangwana rekutengesa, inobhadharisa. 0.03% kana 20 / odha, chero ipi zvayo yakaderera. A flat fee ye 20 INR inobhadharwa pakutengeserana kune zvingasarudzwa.
Dzimwe mhosva:- Pamusoro pezvo, kambani inobhadharisa STT kana CTT machaji, mari yetransaction, miripo yeGST ye18% (inobhadhariswa chete pabrokerage, SEBI, uye transaction), SEBI inobhadharisa 10 INR per crore value transaction, uye miripo yechitambi. DP inobhadharisa ye13.5 INR per scrip inobhadharwa pakupera kwezuva zvisinei nehuwandu hwemasheya akatengeswa.
Zerodha inopa Calculator iyo inobatsira vatengi kuverenga mari yavo yese uye machaji nekupinda yavo yekutengeserana kukosha uye rudzi rwekutengesa.
(ii)INDmari
Kuvhura account uye AMC: - INDmoney ine yakapfava uye yakajeka yemitengo modhi kune yavo demat account masevhisi. Ivo usabhadharise chero mari yekuvhura account kana ma AMC inogona kunge iri sarudzo yakanaka kune vanotanga kuchengetedza mamwe akakosha mari.
Mhosva dzebrokerage:- INDmoney inochaja yakapusa brokerage ye0.05% pahuwandu hwekutengesa kukosha, kusvika pakukwirira kwe20 INR, zvisinei nerudzi rwekutengesa.
Dzimwe mhosva:- Pamusoro pezvo, vanochaja mari dzetransaction neNSE neBSE, STT charges, chitambi chezvitambi, uye SEBI turnover charges ye0.0001% pane zvese zviri zviviri equity uye intraday trades.
Nekutengesa kutengesa, DP inobhadharisa ye13.5 INR/script inochajwa. Uyezve, vanoisa mari vane sarudzo yekushandura migove yavo kuti ive yakashongedzwa fomu pa250 INR/chitupa, uye GST ichashanda pamitengo iyi zvichiteerana.
Pakazere, modhi yemitengo yeINDmoney inoyevedza uye inzira isingadhuri kune vamwe vakwikwidzi vemitengo pamusika.
III. UI Chiitiko
(i)Zerodha
Vese vari vaviri novice uye nyanzvi vatengesi vanogona kutengesa nyore nekudyara muZerodha nekuda kweiyo mushandisi-inoshamwaridzika dhizaini. Dashboard yakanyatso kurongeka uye inounganidza data rese rinodiwa munzvimbo imwechete.
Pasina kutarisa kuburikidza nezvikamu zvinovhiringidza, unogona kuseta akati wandei mawatchlists, uye tarisa ako maodha, zvinzvimbo, uye chiyero chemari pane saiti. Zvinopfuura 70% zvekutengeserana zvinopedzwa uchishandisa nharembozha, iyo inokwanisa zvakaenzana neiyo desktop desktop.
Iyo software inogona kugadzirwa kune zvaunofarira, kusanganisira kushandura pakati perima uye kupenya modes. Iwe unogona zvakare kuongorora akawanda emasheya kamwechete nekuvhura panguva imwe chete kusvika mana akasiyana machati pachiratidziri.
Unogona kutengesa zviri nyore uye kuisa pfungwa pamari yako nekuda kweiyo yakatwasuka asi inoshanda interface.
(ii)INDmari
Kana zvasvika kune iyo interface uye mushandisi ruzivo rweINDmoney, zvakakosha kuti uzive kuti inosiyana neZerodha sezvo isiri iyo chete. yekutengesa app.
Iyo yakawanda yehupfumi manejimendi app inopa dzakasiyana siyana dzekudyara sarudzo semasheya, mutual mari, inishuwarenzi, chikamu chechikwereti, nezvimwe.
Nekudaro, kana iwe uri kushandisa iyo app chete yekutengesa kana kuisa mari, ungangoda kupedza imwe nguva uchijairira iyo interface, iyo inogona kuve yakawandisa nekuda kwezvikamu zvakasiyana.
Iyo app yakakamurwa kuita zvikamu zvakasiyana seIndstocks, US stocks, Mutual funds, Super Saver, nezvimwe. Kuti uone zvinzvimbo zvako uye kutengeserana, unofanirwa kufamba nepakati peizvi zvikamu zvega.
Iyo mobile app inenge yakafanana nedesktop platform uye inopa yakazara interface. Iwe unogona zvakare kuwana mavhidhiyo edzidzo pane dashboard kuti udzidze nezve akasiyana ekudyara sarudzo.
Nekudaro, kana iwe uchingotsvaga zvekutengesa zvinodiwa, iwe unozopedza yakawanda yenguva mukati mechikamu chimwe kana zviviri mukati meapp. Kunyangwe iyo interface iri kuzara zvishoma, inopa dzakasiyana siyana dzekudyara sarudzo, zvichiita kuti ive inoyevedza sarudzo kune avo vari kutsvaga hupfumi manejimendi mhinduro.
IV. Investment Options
(i)Zerodha
(a) Masheya uye ETFs
Zerodha inonyanya ikambani yekutengesa masheya inopa dzakasiyana siyana dzekudyara sarudzo kune vatengi vayo. Chigadzirwa chayo chemureza, KITE, inopa intuitive chikuva chekutengesa nekudyara mumasheya emari paNSE neBSE.
Kuburikidza nemidziyo yayo yekucheka-kumucheto ekutengesa uye nyore-kushandisa interface, Zerodha yakagonesa vanoisa mari kutenga nekutengesa masheya pasina kupokana.
Iko kugona kudyara mumasheya ezvibodzwa zvekutengesa zvenguva refu uye zvenguva pfupi ndeimwe yemabhenefiti makuru eiyo Zerodha's stock investing sarudzo.
Nepo kutengeserana kwemukati mezuva kuchigonesa vanoisa mari kutenga nekutengesa masheya pazuva rimwe chete, kushambadzira-kwakavakirwa kutengesa kunobvumira vanoisa mari kubatirira pane equities kwenguva yakareba. Kubata neETF dzeakasiyana indices zvakare zvinogoneka pane KITE app.
(b) Mari yeKudyidzana
Mutual fund investing inzira inofarirwa uye yakapusa yekusiyanisa portfolio yako uye pamwe kuita purofiti. Kana ichienzaniswa neyechinyakare mutual funds, Zerodha's COIN app inopa yakakura puratifomu yekudyara yakananga muinopfuura mazana maviri emadhora akananga mutual fund, kuchengetedza inosvika 2000% pagore mubhadharo.
Zvichienderana nezvinangwa zvako uye mwero wekushivirira njodzi, COIN inopa sarudzo yakawanda yemutual fund mhinduro. Kubva pahombe-cap, diki-cap, mutero-mutero, wepasi rose, kana wakasarudzika-inowana mari, COIN ine zvese.
Kuvepo kwezvishandiso zvakati wandei uye ruzivo rwunokubatsira mukutsvaga nekusarudza yakanakisa mutual fund yezvaunoda kudyara ndizvo zvinosiyanisa COIN kubva kune mamwe mutual fund mapuratifomu. Unogona kuchengeta zvinhu zvako uye kuita sarudzo dzakangwara uchishandisa maturusi akareruka senge fund screener uye a portfolio tracker.
(c) F&O uye Commodities
Ramangwana uye Sarudzo (F&O) uye Kutengeserana kweCommodities kunogona kutyisa kune vanotanga, asi neZerodha's mushandisi-inoshamwaridzika chikuva, inova nyore uye inowanikwa kune wese munhu.
Kuburikidza neKite, Sensibull, uye Streak, Zerodha inopa kutengesa kusina musono kwezvinhu zvakasiyana-siyana zvakaita sesimbi, oiri, uye zvekurima paMCX, neramangwana uye sarudzo dze index paNSE.
Chikumbiro chekutengesa kweF&O ndechekuti iwe unogona kubatsirwa nazvo kana musika uchikwira nekudonha.
Nekuda kweizvozvo, kune rusununguko rwakawanda uye yakakura zvakasiyana-siyana zvekutengesa sarudzo. Kutengeserana kwezvinhu kunopa nzira yekusiyanisa kubata kwako uye pamwe kufumura iwe kune akasiyana mabhizinesi.
(d) IPOs
Initial Public Offerings, kana IPOs, inzira inoshamisa yemabhizinesi kukwidza mari nekuunza stock yavo kune veruzhinji. Unogona kubata mikana yekutanga mumakambani evacheche vasati vaita kuti ive yakakura mumusika.
Zerodha inokutendera kuti uise mari mune iri kuuya IPOs kuburikidza neKite app, izvo zvinoita kuti zvive nyore kuisa maodha ako pakati pe10 AM pazuva rekuvhura na4:30 PM pazuva rekuvhara kwenyaya. Iwe unogona kuisa kusvika ku3 mabhidhi muIPO application, ichikupa iwe kuchinjika kwekudyara zvinoenderana nezvaunoda.
Saka kana iwe uchitsvaga kuisa mari mumakambani matsva anonakidza uye uchikwanisa kuwana madzoro akakura, IPO kuisa mari neZerodha inogona kunge iri izvo zvauri kuda.
(e) Fixed Income Instruments
Kune vanhu vari kutsvaga sarudzo dzakachengeteka dzekudyara, kuisa mari mumasecurity emari yakasarudzika kungave danho rekuchenjera. Kuburikidza neCOIN app yayo, Zerodha inopa zvakasiyana siyana-yakagadziriswa-mari zvigadzirwa, senge goridhe bond uye kuchengetedzwa kwehurumende.
Kune vanoisa mari vanotsvaga mwero wepamusoro wekudzoka pane yakajairwa dhipoziti uye chengetedzo yakawedzerwa yekudyara muzvinhu zvinotsigirwa nehurumende, kuchengetedzwa kwehurumende inzira inoshamisa. Iwe unogona kuisa mari mune zvakasiyana-siyana zvehurumende zvisungo, zvakadai seGOI-dated bonds uye treasury bond, pose apo kubhidha kunotanga.
Imwe nzira yakakurumbira yekutsvaga mari ndeye Changamire Goridhe Bonds (SGBs). Aya mabhondi anopa zvese mari inowanikwa uye 2.5% mubereko pagore pane yako mari mudhijitari goridhe form. Iwe unogona zvakare kuisa muGoridhe ETFs, iyo inogona kunge iine yakatenderedza 1% yekubhadharisa mari.
(ii)INDmari
(a) Indian Stocks uye ETFs
Kuisa mari muIndia stocks uye ETFs hazvina kumbobvira zvave nyore neINDmoney! Iyo app inopa demat account iyo inokutendera iwe kuti uise mari mumasheya uye maETF akanyorwa pane ese NSE neBSE. Chinonyanya kufadza nezveIndmoney inzira yainoisa muzvikamu zveIndia - pane zvingasarudzwa zvevatengesi vezvitoro zvinoenderana nedingindira, simba rehunyanzvi, mibairo, uye mastock-chaiwo maindasitiri.
Iyo app inopawo akasiyana screeners kuti akubatsire kusefa kuburikidza neakakura sarudzo dziripo, zvichiita kuti zvive nyore kwauri kuti uwane iyo yekuisa mari inoenderana nezvinangwa zvako uye njodzi yekudya. INDmoney inopawo ETFs yeese makuru indices enyika, ichikupa iwe mukana wekusiyanisa portfolio yako uye kuderedza njodzi.
(b) Mari yeKudyidzana
Iyo yakazara chikuva inopihwa neINDmoney inoita kuti zvive nyore kune vanoisa mari kutenga, kuronda, uye kubata mapotifolio avo. Vashandisi vanogona zvakare kuwana chirevo chekuita, chaiyo-nguva kuongororwa kwekuita kwavo, uye masevhisi ekuraira anoenderana neruzivo irworwo.
Mari yekutengeserana, mari yepamusoro, mari yechikwereti, mari yakasanganiswa, mari yegoridhe, uye mari yemvura ingori shoma shoma dzemutual fund dzimwe nzira dzinopiwa INDmoney. Chero ipi yeiyi mari isarudzo inochinja-chinja uye inoshanda kune vanhu vari kutsvaga kuisa mari mune mutual funds nekuti vatengesi vanogona kutanga zvirongwa zvekudyara zvakarongeka (SIPs) mune chero chazvo.
(c) Fixed Deposit
Kuisa mari muFixed Deposits inogona kuve yakachengeteka uye iri nyore nzira yekuwana yakagadziriswa madzoro pakudyara kwako, uye INDmoney inoita kuti zvive nyore kupfuura nakare kose. Iine yakatsaurirwa dhipoziti dhibhodhi, kubata maFD ako hakuna kumbove kwakapusa.
Iwe unogona kuteedzera yako yese yakatarwa dhipoziti portfolio uye wowana avhareji yekudzoka muzana pane yako investimendi, zvese munzvimbo imwechete.
Uyezve, neiyo INDprotect chimiro, unogona kuzorora uine chokwadi chekuti mari yako yakasimbiswa uye yakachengeteka. INDmoney inopawo ruzivo rwakadzama nezve akanakisa akatemerwa-dhipoziti zvirongwa zvinopihwa nemabhangi akasiyana, anosanganisira tenures, mubereko, uye mashoma ekudyara mari.
(d) US Stocks
INDmoney's US Stocks yekudyara sarudzo ndeimwe yeakakosha maficha ayo anoisa parutivi kubva kune mamwe demat maakaundi muIndia. Ne INDmoney, vanoisa mari vanogona kuwana ega ega eUS stocks, pamwe nemari yeUS uye ETFs, uye kunyange kutora chikamu muUS Stock Rewards chirongwa chinobvumira kuita mari muchikamu chepasi rose.
Ichi chimiro chinogoneka kuburikidza neFinzoomers Services Private Limited uye chinopa mukana kune makuru eUS stock exchange seNASDAQ neNYSE. Vagadziri vemari vane mukana wekusiyanisa portfolio yavo kune dzimwe nyika uye pamwe kuwana kuratidzwa kune mamwe epamusoro makambani nekusarudza iyi sarudzo yekudyara.
V. Zvimiro uye zvinobatsira
(i)Zerodha
- Flexible charting hwindo iro rinogona kutamiswa pane desktop.
- Machati akawanda pachiratidziro chimwe chete ane anopfuura zana zviratidzo.
- Real-time mutengo kuchinja.
- Akawanda maodha emhando, anosanganisira bracket odha, mushure-yemusika maodha, nezvimwe.
- Isa maodha kuburikidza nechati pasina kuvhara skrini.
- Kuwanikwa kune akanakisa machati - TradingView uye ChartIQ.
- Kubata uye purofiti-kurasikirwa mishumo yemitero uye yekuongorora zvinangwa.
- Basic uye zvekushandisa ongororo zvemastock kuitira kushingairira usati waisa mari.
- Zviyeuchidzo uye zviyeuchidzo zvekukuzivisa iwe kana mutengo wadarika yako yakafanotemerwa kutenga/kutengesa mazinga.
(ii)INDmari
- AI-yakafambiswa stock analysis kuti uwane ruzivo rwakadzama pamusoro pemihoro, purofiti, uye kukosha.
- Customizable mafirita uye sarudzo dzekugadzirisa kuti uwane masheya zvichienderana nemaitiro chaiwo.
- Kusarerekera uye nechinangwa chekutenga nekutengesa kurudziro zvichibva pane AI kuverenga.
- Otomatiki rebalancing ye mutual fund portfolio kuburikidza neiyo STP chimiro.
- Kufembera kweAnalyst uye zviyero kubva kune nyanzvi dzeindasitiri kune mamwe ane ruzivo sarudzo dzekudyara.
- Yakadzama ruzivo rwekambani inosanganisira yakakosha paramita.
- Intraday yekutengesa inowanikwa kune purofiti inokurumidza.
- Mushure-yemusika maodha anowanikwa pamubhadharo we10Rs. per order.
mhedziso
Mushure mekuenzanisa INDmoney neZerodha mune zvakasiyana-siyana, zviri pachena kuti mapuratifomu ose ane simba rawo uye kushaya simba. INDmoney ipuratifomu yakanaka yekutonga mari uye kudyara muUS stocks, asi kana zvasvika kune demat maakaundi nekutengesa, Zerodha isarudzo iri nani.
Zerodha ine mukurumbira wakasimbiswa munyika yedemat uye chikuva chavo chakanangana nevatengesi vanoshanda. Kunyangwe kubhadharisa kwavo kungave kudhura, maficha uye mabhenefiti avanopa akakosha.
Tsigiro yavo yevatengi yakanaka, uye vane mushandisi-ane hushamwari interface inobvumira kutengesa nyore uye kuisa mari.
Kune rimwe divi, chimiro cheINDmoney chinogona kunge chakaoma, asi chinopa huwandu hwezvinhu zvakaita seAI-powered stock analysis, otomatiki portfolio rebalancing, anolyst kufanotaura uye ratings, nezvimwe zvakawanda.
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