Igolide lolona tyalo-mali ludumileyo eIndiya, kwaye abantu kwilizwe lonke bayithatha njengentsimbi exabisekileyo esetyenziselwa kungekuphela nje ngexabiso elongezelelekileyo kodwa nanjengesibikezelo esilungileyo.
Ngayo yonke into ehamba ngedijithali, igolide nayo ingenile kwi-e-market, apho unokuthenga kwaye uthengise igolide kumaqonga edijithali ngaphandle kokuba ngumnikazi wayo ngokwasemzimbeni.
Oku kukunceda ukuba uxhamle ekunyukeni kwamaxabiso egolide kwaye kuvula ithuba elibalulekileyo lokurhweba kubathengisi ngokhuseleko oluphezulu kunye nokungafihli.
Ngamaxesha atshintshayo kwaye wonke umntu etshintshela kutyalo-mali lwe-intanethi, alithandabuzeki elokuba abantu ngoku banomdla wokuthenga igolide yedijithali.
Kodwa uyithenga phi?
Ngaba ungabathemba aba bathengisi be-intanethi ngotyalo-mali lwakho olukhulu?
Ngaba igolide yedijithali nokuba yinyani?
Sukuba nexhala.
Kule posi yebhlog, siza kucima onke amathandabuzo akho malunga negolide yedijithali kwaye sijonge ezisi-7 zezona zixhobo zibalaseleyo zokuyithenga eIndiya.
Ke, masiqalise ngaphandle kokuchitha ixesha.
Yintoni iDigital Gold?
Ngaphambi kokwazi amaqonga apho unokufumana khona igolide yedijithali, kubalulekile ngokulinganayo ukuba uqonde ngqo ukuba yintoni na. Ke, ngamagama alula, igolide yedijithali ibhekisa kwi-asethi yedijithali eyenzelwe ukulinganisa iimpawu zegolide ebonakalayo, njengokunqongophala, ukungunda, ukwahlukana, kunye nokuqina kodwa ikhona kuphela kwimo yedijithali.
Ngokwesiqhelo, igolide yedijithali luhlobo lwe-cryptocurrency exhaswa ngoovimba begolide okanye isebenzisa itekhnoloji ye-blockchain ukugcina ileja yobunini engafihliyo kunye nokwahlulwa amagunya.
Ngoku, umbuzo olandelayo obalulekileyo ngowokuba, uyithenga phi le nto kanye?
Ngezantsi ziiapps eziphezulu zokuthenga iGolide yedijithali eIndiya.
1. Paytm
I-Paytm yenye yeenkampani eziphambili ze-wallet e-India, enabasebenzisi abangaphezu kwezigidi ezingama-300 kwihlabathi liphela. Ngapha koko, lelinye lamaqonga eenkonzo zezimali ahamba phambili eIndiya ekuthengeni, ekuthengiseni nasekugcineni igolide yedijithali.
Inika iqonga elikhuselekileyo apho abathengi banokuthenga iingqekembe zegolide ezibonakalayo okanye ezibonakalayo besebenzisa amakhadi abo okuthenga ngetyala/amatyala okanye ii-akhawunti zebhanki ezishiyekileyo ngaphandle kokukhathazeka ngemiba yokhuseleko efana nobuqhetseba okanye ukukhwabanisa.
I-app ikwabonelela ngokufikelela ngoko nangoko kumaxabiso aphilayo ukuze abatyali-mali bakwazi ukulandelela ngokulula utyalo-mali lwabo ekuhambeni kunye nokuseta izilumkiso ezizenzekelayo xa imida ethile ihlangatyezwa okanye igqithwe ngeentshukumo zexabiso kulo naliphi na icala (ukuya phezulu/ukuhla).
Amanqaku aphezulu
- Fumana igolide ebonakalayo kumnyango wakho
- Isicwangciso sokuqokelela igolide
- 995 Inqanaba legolide legolide
- Akukho ntlawulo yokugcina
- I-24 × 7 inkxaso yomthengi kunye noncedo
2. IfowuniPe
I-PhonePe ngokuqinisekileyo yenye yezona zinto zilungileyo xa kufikwa kwiintlawulo ze-intanethi. Nangona kunjalo, ikwaliqonga elihle ukuba unomdla wokuthenga igolide yedijithali kwi-smartphone yakho.
Ungathenga ngokulula i-24K yegolide esulungekileyo ngedijithali kwimizuzu nje embalwa. Ngaphezulu kwayo, unokude uguqule igolide yakho eqokelelweyo ibe yingqekembe kunye nemivalo ngokusebenzisa i-app ngokwayo.
I-PhonePe ikwanendawo yokubonelela ngeelokhi zasimahla zebhanki zokugcina igolide yakho. Oku kuthetha ukuba unokuphumla ngokupheleleyo notyalo-mali lwakho.
Ngokubanzi, i-PhonePe yinto ejikelezayo enokuzalisekisa zonke iimfuno zakho xa kuziwa kutyalo-mali kwigolide yedijithali.
Amanqaku aphezulu
- Imali efakwa kwangoko emva kokuthengisa igolide yakho
- Iinketho zotyalo-mali ezikhuselekileyo nezithembekileyo
- Ngobuncinci be-0.5gms yegolide, ungayiguqula ibe ziinkozo
- Umrhumo omncinci wokuhanjiswa
- Isinxibelelanisi somsebenzisi
3. 5Paisa
I-5Paisa lelinye lamaqonga aphambili xa kufikwa kutyalo-mali kwigolide yedijithali. Inika abasebenzisi indlela elula yokuthenga i-24-carat yegolide esulungekileyo ye-intanethi ngaphandle kwentlawulo yokuhanjiswa okanye iifizi ezifihliweyo.
Iqonga lide lithembise ukuhambisa igolide eqinisekisiweyo kunye neqinisekisiweyo malunga ne-99.99% yobunyulu. Oku kuthetha ukuba unokuthembela ku-5paisa ukuba uceba ukubambelela kutyalo-mali lwakho lwegolide ixesha elide.
I-5Paisa ikwajonge ukunika i-100% isiqinisekiso sokhuseleko kubatyali-mali bayo kwaye ke ineevaults ezikhuselwe kakhulu nezikhuselweyo zokugcina igolide yakho.
Ukongezelela, banikezela ngeentlawulo ezikhuselekileyo ngebhanki ye-net okanye i-debit / credit cards kunye ne-wallet edibeneyo evumela ukuba abathengi bagcine imali ngokukhuselekileyo ngaphakathi kwe-app ngokwayo ngaphandle kwesidingo samasango okuhlawula angaphandle njenge-PayPal okanye i-Stripe.
Amanqaku aphezulu
- Umnxeba omnye Ngena ngeFingerprint/FaceID
- Uluhlu lokubukela olunokwenziwa ngokwezifiso kunye neTicker
- Inkxaso yeeLwimi eziNinzi kwiiLwimi ezisi-8 zaseIndiya
- Thenga igolide ngexabiso eliphantsi njenge-Rs.50
- Ukuthengisa simahla kunye nediphozithi yemali kwangoko kwiakhawunti yakho yebhanki
- Ukuvulwa kweakhawunti ngoko nangoko kunye nomsebenzi ongenamaphepha.
4. Google Pay
UGoogle Pay usanda kungena kwindawo yegolide yedijithali ngokuphehlelela eyakhe 'iSicwangciso sokuGcinwa kweGolide' apho abasebenzisi banokutyala imali kwiingqekembe ezibonakalayo ezixhaswa yiGolide yokwenyani egcinwe ngokukhuselekileyo kwiibhanki kulo lonke elaseIndiya (iBhanki yeHDFC kunye neBhanki ye-ICICI).
NgeSicwangciso sikaGoogle sokuHlawula iGolide, abathengi banokwenza okungakumbi kunokuthenga nje iingqekembe zemali. Bangazithengisa kwakhona nangaliphi na ixesha kwaye bafumane ireyithi yemarike yangoku kunye ne-10% yexabiso lebhonasi rhoqo xa besenza njalo. Oku kuthetha ukuba ukuba abathengi bathenga iingqekembe ngesi sicwangciso, banokukhetha ukuzithengisa emva kwexesha kwaye bafumane ngaphezulu koko bebekuhlawulele ekuqaleni.
Ngaphaya koko, zonke iintengiselwano zikhuselwe kusetyenziswa iikhowudi ze-PIN ze-UPI, kuqinisekiswa ukuba idatha yomsebenzisi ihlala ikhuselekile ngelixa usebenzisa i-Google Pay App.
Amanqaku aphezulu
- Akukho ntlawulo yentengiselwano
- Ugqithiso lwengxowa-mali ngokukhawuleza xa uthengisa
- Azikho iintlawulo zokuhlawula
- Ukukhwela ngaphandle kobunzima kwaye ubhalise
- Thenga igolide esezantsi njengeRs.1 ngeGoogle Pay
5. MyJar
Ijonge ukuzisa uguqulo kwindawo yotyalo-mali yaseIndiya, iMyJar izama ukwenza utyalo-mali ibe ngumkhwa, kwaye i-asethi kuphela apho batyala imali yabasebenzisi yigolide yedijithali.
Ngamagama alula, iJar ivala inkcitho yakho kwaye yongeza imali eyongezelelweyo kwi-app. Ngoku, abasebenzisi bayacelwa ukuba badlale umdlalo apho banethuba lokuphumelela imali eyongezelelweyo okanye baphinde baphinde baphinde bagcine imali yabo.
Emva koku, usetyenziso lutyala imali yokonga kwabasebenzisi kwigolide yedijithali kwaye inika uhlaziyo lwexesha lokwenyani malunga nembuyekezo yabo. Ngokubanzi, le app iceba ukukhuthaza ulutsha lwelizwe ukuba longe ngaphezulu kwaye lutyale imali yalo kwi-asethi enokubanika iziphumo ezilungileyo.
Amanqaku aphezulu
- Ngaphezulu kwezigidi ezingama-10 zabasebenzisi abasebenzayo
- 24 karat 99.95% igolide esulungekileyo
- Iivaults ezikumgangatho wehlabathi
- Zisa igolide yakho kwiminyango yakho ibe ziinkozo okanye izacholo
- Iiplatifti ze-100% ezikhuselekileyo nezikhuselekileyo
6. khula
Ukukhula yenye yezona zinto ziphambili zotyalo-mali eIndiya ezivumela abasebenzisi ukuba bathenge kwaye bathengise igolide yedijithali. I-app inikezela ngendlela engenamthungo kunye nengenangxaki yokutyala imali kwigolide ngaphandle kwesidingo sokugcinwa ngokomzimba okanye ukuthutha.
NgokuKhula, abasebenzisi banokuthenga igolide kwiinkonzo ezincinci ukusuka kwi-Rs. 10. I-app ikwabonelela ngeendlela ezahlukeneyo zokuhlawula, kuquka i-UPI, ibhanki yenetha, kunye namakhadi okuthenga ngetyala. Ukongeza, i-Groww iqinisekisa ukuba igolide ethengiweyo ngabasebenzisi i-inshurensi eyi-100% kwaye igcinwe kwiivaults ezikhuselekileyo.
I-app inikezela ngohlaziyo lwexesha langempela kumaxabiso egolide kwaye ivumela abasebenzisi ukuba bathengise igolide yabo kwaye bayikhuphe imali ngokuthe ngqo kwiiakhawunti zabo zebhanki. Lilonke, Khulisa liqonga elithembekileyo nelifanelekileyo lokutyala imali kwigolide yedijithali.
Amanqaku aphezulu
- Zero intlawulo yokuvula iakhawunti
- Ujongano lomsebenzisi olula
- Thenga igolide kwiimvaba ezincinci ngokulula kwakho
- Akukho maphepha aphathekayo
- Ukuthenga nokuthengisa igolide yedijithali simahla
7. IsiTanishq
Omnye wabadlali abakhulu bezacholo kwimarike yaseIndiya, iTanishq ikwabonelela ngegolide yedijithali kubathengi bayo.
Ungathenga i-24-karat yegolide esulungekileyo ngeqonga labo elisebenza elubala, kunye neemveliso ezinikwa amandla yiSafeGold.
Tyala imali esezantsi njengeRs. 100 okanye kangangoko ufuna!
Igolide yedijithali kaTanishq inokutshintshwa kuzo zonke iivenkile ezingama-350+ eIndiya, apho ungayithenga ikwimo yayo yokwenyama.
Xa uthenga iGolide yedijithali ngeTanishq, akufuneki uthwale nayiphi na imali yokutshixa njengoko igolide igcinwe ngokukhuselekileyo ngaphandle kwentlawulo efihliweyo. Iqonga likuvumela ukuba uthenge okanye uthengise igolide nangaliphi na ixesha ngocofa nje okumbalwa!
Inkxaso yabo yabathengi eyomeleleyo iqinisekisa ukuba awusoze ujongane nayo nayiphi na imiba ngelixa utyala imali kwigolide yedijithali ngeqonga labo.
Kwaye oko kusongela!
Ngokubanzi, zonke ezi apps zikhankanywe ngasentla zilungile ukuba ujonge ukuthenga igolide yedijithali elizweni.
Nangona kunjalo, kukho iindawo eziphakamileyo nezisezantsi kuzo zonke ezi app, kwaye kukuwe ukuba ukhethe leyo ihambelana neemfuno zakho ngokusondeleyo.
Imimiselo ye-RBI yokutyala imali kwigolide yedijithali
Ekubeni imarike yegolide ayiweli phantsi kwecandelo lezemali elithile, lihlala likwindawo engwevu, linenkqubo yokuzilawula yophicotho-zincwadi enendlela yokunyamekela kwayo.
Ukuza kuthi ga ngoku, igolide inikezelwa kwaye igcinwe ziinkampani ezi-3 eziphambili, i-Augmont Goldtech, i-MMTC, i-PAMP India, kunye ne-Digital Gold India.
Ukongeza kuloo nto, urhulumente ukwanikezela Iibhondi zeGolide eziPhakamileyo kubemi bayo, abalukhuseleko lukarhulumente olufakwe kwiigram zegolide.
Basebenza njengento ebambeleyo yokubamba igolide ngokwenyama, kwaye ukurhweba kwenziwa ngokwexabiso elimiselweyo ngegram ngurhulumente ophakathi.
Indima ye-SEBI kwimarike yegolide yedijithali
Kutshanje, i-SEBI icebise ngesakhelo apho iqonga legolide yedijithali/utshintshiselwano luya kusekwa ukuze kuqinisekiswe urhwebo olungenamthungo lwegolide kwimo ye-elektroniki. Ukuza kuthi ga ngoku, imakethi ye-e-golide yayingalawulwa yi-SEBI, kwaye iyalele abathengisi abasele bebhalisiwe ukuba barhoxise urhwebo lwegolide kude kube ngoko.
Lo mthetho wenzelwa ukukhuthaza indlela ecacileyo yokufunyanwa kwamaxabiso kwindawo yentengiso.
Ikamva elibhekiselele kutshintshiselwano olutsha lwamabala egolide
Ngokunyuka kwemfuno yabatyali-mali yegolide, i-SEBI ivume izikhokelo zayo zokuzisa utshintshiselwano lwegolide oluzinikele ngokupheleleyo.
Oku kuya kubonelela ngemali yokuhlawula amatyala, ukufunyanwa kwexabiso, kunye noqinisekiso lomgangatho wokhuseleko kunye nendlela yorhwebo engafihliyo. Oku kuya kukhokelela ekudaleni ubume bexabiso lesizwe lentsimbi etyheli eya kukhuphisana ngokuthe ngqo ne-SGB, ii-ETF zeGolide, kunye namaxabiso egolide edijithali.
Izixhobo ezithengiswayo kolu tshintshiselwano lutsha lwegolide lubizwa ngokuba yi-Electronic Gold Receipts okanye ii-EGRs, kwaye zonke ii-stock exchanges ezamkelweyo ziya kukwazi ukusungula esi sixhobo sitsha kwimarike.
Izinto ekufuneka uzikhumbule malunga nee-EGRs
- Kuya kusetyenziswa i-GST ekuguquleleni ii-EGR zibe yigolide ebonakalayo.
- Ukuba unqwenela ukugcina iGolide ebonakalayo ngee-EGR, amaxabiso aya kuba phezulu kunoko kunikelwa ngabakhithi beebhanki.
- Ukuguqula ii-EGR kuya kuvunyelwa kuphela emva kokuba ubuncinci ubuncinci be-50 grams yeGolide kwifomu ye-EGR
- Abathengisi baya kuvunyelwa ukuba baqokelele igolide kule fomu.
- Ii-EGR ziya kuba nesakhiwo serhafu esifana nee-ETF
- Ii-EGR kuthiwa zimanzi kakhulu kune-ETFs
- Ababoneleli ngegolide baya kukwazi ukusebenzisa ii-EGR ukubuyisela igolide abanayo.
isiphelo
Kubekho izilungiso ezininzi ezenzekayo malunga negolide yedijithali kunye nobukho bayo kwimarike yezemali yaseIndiya.
Nangona kunjalo, kuphela okulungileyo. Ukuqinisekisa ukuba abatyali-mali abathengisayo bakhuselekile.
Izindlu ezimbalwa eziqhekezayo ezifana khula bayekile utyalo-mali kwigolide yedijithali ngenxa yezizathu ezifanayo. Kodwa kusekho amaqonga akuvumela ukuba utyale imali kwenye yezona zinto zifunwa kakhulu elizweni-intsimbi etyheli.
Ngamagama ama-5 aphezulu esixoxe ngawo, kufuneka uqiniseke ukuba ungatyala imali ngaphandle komthungo kwi-e-golide ngaphandle kokukhathazeka malunga nokugcinwa, ukucoceka, okanye ukutshintshiselana okufanayo.
Shiya iMpendulo