Njengoko iIndiya isondela ekubeni ngamandla amakhulu kwezoqoqosho, abatyali-mali baya besanda ukuzingela utyalo-mali olulolunye. Olu tyalo-mali lungaphandle kwemeko-bume yotyalo-mali yesiqhelo, nto leyo ekuncedayo ukuba ukhulise ipotfoliyo yakho kwaye ukhusele inkunzi yakho ekudodobaleni okunokwenzeka kwemali.
Iimali ezizezinye zotyalo-mali sisixhobo esikhethekileyo sezemali esifumana ukuthandwa ngokukhawuleza kwishishini lezemali laseIndiya.
Ngokunyuka kwesiphithiphithi semarike, ukunyuka kwamazinga enzala, ubunzima, kunye nokungabi nalukholo kwii-asethi ezidweliswe esidlangalaleni kunye neemarike, abatyali-mali babhenela kutyalo-mali olulolunye njengendlela yotyalo-mali olunengeniso.
Utyalo-mali olulolunye lubanjwe ngasese iimali zotyalo-mali zangaphandle okanye zangaphakathi eziququzelelwe njenge-LLP, iqumrhu loshishino, ishishini, okanye i-trust. Ukubeka nje, balutyalo-mali kwiintlobo ze-asethi, ngokungafaniyo neebhondi, amasheya, kunye nemali, azibonakalisi iincopho kunye neentlambo zeemarike eziqhelekileyo.
Utyalo-mali olulolunye lunokukunceda ukuba wandise iiphothifoliyo zakho ngelixa ugcina imingcipheko yakho isezantsi kunemali yemveli. Yindlela elula yokuba abatyali-mali bokuqala baqalise, kwaye ayiphelelanga kubantu abanexabiso eliphezulu okanye kumashishini.
Kweli nqaku, ndiza kuxoxa ngezona zi-9 zibalaseleyo zotyalo-mali ezizezinye eIndiya onokuzisebenzisa namhlanje ukwahlula utyalo-mali lwakho. Kodwa kuqala, masiqonde ukuba yintoni enye indlela yotyalo-mali.
Makhe sijonge awona maqonga ali-9 angcono otyalo-mali olulolunye eIndiya.
I-Grip Invest
I-Grip Invest inokuba sisixhobo sotyalo-mali esiluncedo kuwe ukuba uyoyika ukuthatha umngcipheko.
Sonke sifuna ukutyala imali kwaye sifumane imbuyekezo entle, kodwa uninzi lwethu luyathandabuza kuba soyika ukungaqiniseki kwale marike.
Inqaku elahlukileyo elenza ukuba iGrip ityale imali yodwa kukuba ayidityaniswanga nemarike. Ke, isebenzisa indlela eyodwa evavanya imingcipheko egameni lakho kwaye iqinisekisa ukuba ufumana imbuyekezo elungileyo.
Ngokungafaniyo namanye amaqonga otyalo-mali lwe-asethi, iingeniso ozifumanayo apha zilungelelaniswe nomngcipheko.
Iimveliso zotyalo-mali ezibonelelwa yiGrip zezi:
- Iibhondi ezihlanganisiweyo
- Ukuqeshisa ngenkxaso-mali
- I-Inventory Financing
- Utyalo-mali lokuqala
- Inkxaso-mali yendawo yorhwebo
Imbuyekezo iphakathi kwe-8% ukuya kwi-21% kutyalo-mali oluxhaswa yi-asethi. Xa kuthelekiswa, utyalo-mali oluqalwayo alunayo i-return cap kwaye lusebenza kwiindlela ezinobungozi obuphezulu bomvuzo.
NgeGrip, ungatyala imali kwirenti, kwintengiso, izindlu ezithengiswayo, kunye nezitokhwe zokuqalisa. Inika iinkcukacha ezineenkcukacha malunga notyalo-mali olukhethayo, kuquka izivumelwano zoshishino, imbuyekezo, ubambiswano, iimbalasane zotyalo-mali, kunye neengozi ezinokubakho.
Ungatyala imali kwi-Grip ngobuncinci bemali yotyalo-mali ye- ₹ 10,000 kwiimveliso zenkxaso-mali, ngelixa kuya kufuneka ufake isixa-mali esingama- ₹2,00,000 ukuba ufuna ukungena kwicandelo loqaliso lokulingana.
Into endinomdla ngayo malunga nokutyalomali kweGrip yinethiwekhi yomtyali-mali; kunye nabatyali-mali abangaphezu kwe-2.5 yezigidi kunye ne-0% yezinga elimiselweyo, yenye yezona zisetyenziswa kakhulu kwiqonga lotyalo-mali.
eziluncedo
- I-Grip izimisele kakhulu ekukhetheni iprojekthi efanelekileyo oza kutyala kuyo. Ukuze ifakwe kuluhlu lwe-grip, ifemu kufuneka ihlole ngokungqongqo ukuqinisekisa ukuba imali yomtyali-mali ayichithwanga.
- Bacwangcisa utyalo-mali lwabo ngokucela idiphozithi yokhuseleko ye-7.5 ukuya kwi-15% yemali yokuqeshisa, into enkulu.
- Utyalo-mali olukhoyo kwiGrip alunanto yakwenza nokuguquguquka kweemarike. Ayiqhelekanga kwaye iyodwa, etsala abatyali-mali abatsha.
- Imali yomtyali-mali ngamnye icutshungulwa ngokuzimeleyo hayi echibini, okuthetha ukuba unolawulo lokuhamba kotyalo-mali olwenzayo kwiGrip.
neengozi
- Xa ndiphanda oku, ndiye ndafumanisa ukuba iGrip ilibazise iintlawulo zokuqeshisa zabaqambi abambalwa.
- Izinga lembuyekezo yeGrip liyakhohlisa ngamanye amaxesha. Umsebenzisi wenze imbuyekezo eyi-8% endaweni ye-21% exeliweyo; ngumahluko omkhulu lowo.
- Ukubamba akukuqinisekisi naluphi na ukhuseleko kutyalo-mali lwakho.
Tyke
I-Tyke yindawo yotyalo-mali esekwe kwilifu ekuvumela ukuba utyale imali kumashishini abucala.
Ungasebenzisa iTyke kwaye utyale imali kwi-Startups. Uyakwazi ukulandelela iimali kunye nee-KPIs kwaye ujonge umsebenzi wepotfoliyo usebenzisa ideshbhodi.
I-Tyke yenze ukunyusa imali ngaphandle kokungqubana, inika abatyali-mali njengathi amathuba amaninzi otyalo-mali kuqalo oluthembisayo. I-Tyke ikwagxile kutyalo-mali oluzenzekelayo kwizabelo zabucala.
Abaseki basebenzisa iTyke ukuqala umjikelezo wotyalo-mali, bekhetha iiparamitha kunye nokumema abatyali-mali ukuba bajoyine.
UTyke uphinde wasungula "uhlalutyo," iqonga elitsha elihambisa ingxelo ngokubonelela ngolwazi olubalulekileyo kwimpumelelo yotyalo-mali lwakho.
Ijolise ekuguquleni iimveliso zayo kwiindidi ze-asethi ezinxulumene nomvuzo osisigxina kunye nezixhobo zetyala ezinxulumeneyo.
I-Tyke ilungile kubatyali-mali abathengisayo kuba ibonelela ngeqonga apho nabani na anokuthi atyale imali ngokuthe ngqo kwisiqalo.
Inkampani yonyuso-ngxowa-mali ithatha isigqibo ngesona sixa-mali sincinci nesiphezulu sotyalo-mali; nangona kunjalo, ngokwamava am, ihlala phakathi kwe- ₹ 5,000 ukuya kwi- ₹ 20,000, esengqiqweni.
eziluncedo
- Uhlobo lulula ukuyisebenzisa kwaye lunomdla.
- Inkonzo yabathengi iphendula kakhulu.
- Abasebenzisi abaninzi bangenise impendulo entle emva kokuba basebenzise iTyke okokuqala.
- Ukufikelela kwiziqalo ezininzi.
neengozi
- I-Tyke kuphela imodeli ye-CSOP kunye ne-NCD isebenze kubatyali-mali.
- Ndivakalelwa kukuba iTyke okwangoku ayisebenzisi, kwaye kuya kufuneka umbe amaxwebhu amaninzi ukuze ufumane ulwazi olufanelekileyo, njengeleta yotyalo-mali, njl.
Ibhokisi yokubolekwa kwemali
I-Lendbox yi-NBFC enelayisensi ye-RBI – iqonga lokuboleka imali le-P2P. Yasungulwa ngo-2017 kwaye ngoku yenye yeqonga lokuboleka imali yeP2P eIndiya.
Kutshanje, i-Lendbox yenziwe ngokutsha, kwaye iinkonzo ezininzi ezintsha zongezwa kubathengi.
I-Lendbox idibene nemibutho embalwa ehloniphekileyo ukubonelela abatyali-mali ngamathuba otyalo-mali asezantsi.
La mashishini asebenza njengabaqinisekisi kwiimali-mboleko ezithathwe ngabathengisi kunye namalungu etshaneli. Unokulindela imbuyekezo yonyaka ye-12% ukuya kwi-20%.
eziluncedo
- I-Lendbox liqonga lotyalo-mali elingenye yohlobo olunye elidibanisa ababoleki nabatyali-mali abanomdla wokubaboleka imali ngeqonga le-intanethi.
- Ngokwembono yomtyali-mali, eli lithuba elihle kakhulu lokuvelisa imbuyekezo ebalulekileyo kutyalo-mali lwabo.
- Iintengiselwano azinamali zifihlwayo.
- Ubhaliso lusimahla, luyakhawuleza, kwaye luthe ngqo.
neengozi
- Inokuba yingozi kancinci kunezinye iiplatifomu zotyalo-mali kuba iyiP2P.
Tradecred
Iqonga elilandelayo kuluhlu lwam yiTradecred. Liqonga lotyalo-mali elisebenza kuphela kukhetho olunye lotyalo-mali, isaphulelo se-invoyisi.
Ungaqwalasela oku njengenye indlela yokuthengisa amatyala.
Iinkampani zisebenzisa isaphulelo se-invoyisi njengendlela yesicwangciso sokunyusa imali. Bafumana iimali ezincinci kubatyali-mali abaqhelekileyo kwixesha elifutshane. I-Tradecred isebenzisa iqonga layo ukwenza ukhetho olunjalo lotyalo-mali lufumaneke kubatyali-mali abasisiseko abafana nam nawe.
I-TradeCred ivumela amashishini ukuba athumele ii-invoyisi zawo kwindawo yawo. Emva koko, ungathenga iqhekeza lentengiselwano okanye unikezelo olupheleleyo ngokusekelwe kwizinto abazithandayo. Nganye kwezi ntengiselwano inomhla wokuqala nowokuphela.
Xa intengiselwano igqityiwe, ifemu iya kuhlawula umtyali-mali imali yakhe kunye nenzala ngexesha lentengiselwano.
Ukujoyina i-TradeCred, kufuneka ube nenombolo yefowuni esebenzayo eqhagamshelwe kwikhadi lakho le-Aadhaar, ikhadi lePAN, kunye neakhawunti yebhanki esebenzayo. Nge-Tradecred, ungafumana ukuya kutsho kwi-12% yesivuno kutyalo-mali lwakho.
eziluncedo
- Banikezela ngokulula onokuthi uqalise kwaye ulawule utyalo-mali lwakho.
- Abasebenzi abanobuchule bolawulo nokugcinwa kwenkqubo banokuyiguqula ibe sisisombululo esoyikekayo nesikhuselekileyo.
neengozi
- Abanye abatyali-zimali abanokubakho basenokungakwazi ukufikelela kolona tyalo-mali luncinci.
- Kukho umngcipheko omkhulu.
Jiraaf
I-Jiraaf liqonga le-Fintech elibonelela abatyali-zimali kwiivenkile ngezisombululo zotyalo-mali ezizezinye.
Ibanga ukuba iyazidlula iidipozithi ezisisigxina ngokwembuyekezo. Nangona ukutyala imali kwi-Jiraaf kusemngciphekweni kancinane, imbuyekezo iyonke inomvuzo ngokulinganayo.
UJiraaf wazisa amaIndiya kwinoveli yezixhobo zomvuzo osisigxina ezifana neebhondi ezigqunyiweyo, iingqeshiso, kunye nesaphulelo se-invoyisi.
IJiraaf ibonelela ikakhulu ngeemveliso ezintathu:
- Isaphulelo kwi-invoyisi,
- Ukuqeshisa kunye nemali ye-inventri
- Iincwadi zemali-mboleko ezingaguqukiyo.
Kodwa yimalini ingeniso onokuyenza ngeJiraaf?
Oku kuya kwahluka ngokuxhomekeke kwimveliso oyikhethayo.
Ngokophando lwam, imveliso yemali eqeshiswayo ibonelela ngembuyekezo engcono, enokubonelela ngembuyekezo ye-gross ukuya kuthi ga kwi-17-18%. Inokuthi iphendule ingeniso yerhafu emva kwerhafu ukuya kuthi ga kwi-11-12% ngonyaka.
Kwimeko ye-NDC kunye nesaphulelo se-invoyisi, ukubuyiswa kwe-gross kunokunyuka ukuya kwi-10-15%. Isibiyeli sakho serhafu siya kumisela iimbuyekezo zakho zasemva kwerhafu.
eziluncedo
- Unokwahlula utyalo-mali lwakho kumaqela amaninzi e-asethi.
- Ufumana ngaphezulu kotyalo-mali lomvuzo osisigxina.
- Benza umsebenzi osemthethweni ukwenza utyalo-mali lube lula kuwe.
- Ngemizuzu emi-3 kuphela, unokuvula iakhawunti kwaye uqale ukutyala imali.
neengozi
- Umngcipheko uphezulu kancinci.
- IJiraaf ayithathi siqinisekiso ngembuyekezo.
Wint Ubutyebi
Wint Ubutyebi yifemu ye-fintech ekunika ithuba lokuthenga isivuno esiphezulu (9% +) izixhobo zamatyala (ezifana ne-Covered Bonds/MLD) ngokhuseleko olungcono.
Ukucuthwa rhoqo kwezivuno zomvuzo osisigxina kukhokelele ekukhuleni kweWint. Ngenxa yokuba sisixhobo esikhuselekileyo nesithembekileyo somvuzo osisigxina, i-Senior Secured Bond iyafana ne-FD. Nangona kunjalo, benza izivuno ezikhulu kakhulu kunee-FDs, zizonke zifikelela kwi-9% ukuya kwi-11% kumndilili.
Ibe lelinye lamaqonga otyalo-mali akhula ngokukhawuleza akhula ngokukhawuleza kule minyaka imbalwa idlulileyo.
I-Wint Wealth ithengisa iibhondi eziphezulu ezikhuselweyo ezivela kwiinkampani ezahlukeneyo ngokuthe ngqo kubathengi. Iphuhlise iibhondi ezigqunyiweyo kubatyali-zimali ngabanye, ezibonelela ngokhuseleko olungakumbi.
Ukuvula iakhawunti ngeWint Wealth kusimahla. Kuya kufuneka uqale ubambe iakhawunti kunye nomthengisi obhalisiweyo we-SEBI ukwenza iakhawunti yakho. Baza kucutha inzala yakho malunga ne-2% xa kuthe kwakho izinto zorhwebo kunye nentlawulo yenzala esisigxina ye-12-14%.
eziluncedo
- Ngenxa yeyantlukwano yayo, iWint iqinisekisa ukuba ukhuselwe kwiintlekele zentengiso yesitokhwe ebezingalindelekanga.
- Iibhondi zeWint Wealth zibonelela ngembuyekezo ngexesha elifutshane, iminyaka emibini kuphela.
- Iibhondi ezifumaneka ngeqonga likaWint zidweliswe ngokwesiqhelo kwimarike yemasheya.
neengozi
- Ngokweengxelo, abantu abaninzi baye baqhathwa ngamawaka aliqela eedola.
- Kuya kufuneka uthathe umngcipheko welahleko iyonke ukuba ishishini lithatha loo mboleko kwaye liyasilela.
LiquiLoans
I-LiquiLoans liqonga lokubolekisa ngemali ye-P2P esebenzisa itekhnoloji yokusika ukudibanisa abafaki-zicelo abafanelekileyo kunye nababolekisi ngokusekwe kunyamezelo lomngcipheko.
AmaIndiya ngokwembali ngabatyali-mali abanengeniso esisigxina, malunga ne-70% yolondolozo lwemali lwabo olutyalwe kwii-asethi ezinomvuzo osisigxina. Uninzi lwee-akhawunti zogcino-mali zebhanki ngoku zinika kuphela i-2.5-3.5% kwimeko ekhoyo enembuyekezo ephantsi, ekujoliswe kuyo ngabaphulaphuli be-LiquiLoans.
I-LiquiLoans ibonelela ngesisombululo esikhethekileyo esikuvumela ukuba ufumane i-8-10% yembuyekezo kutyalo-mali lwakho ngelixa ugcina umbane okhawulezayo kunye nokungaguquguquki. Yimveliso egqwesileyo ke ngoko yokonga imali yexesha elifutshane, ebhetele kunemali ye-liquid/saving accounts/FDs.
Abahlawulisi mali kubatyali-mali okanye kubaboleki kuba iindleko zigqithiselwa kumaqabane afumana imali-mboleko.
eziluncedo
- Ifemu ayihlawulisi nzala yabathengi.
- Ii-LiquiLoans zinokutsala ababoleki ababekwe kakhulu ngemivuzo ephakathi yonyaka egqitha kwi-Rs. 8 lakhs ngokusebenzisa intsebenziswano.
- Ngenxa yokuba ukuphela kokusetyenziswa kwemali kuchazwe ngononophelo, ababoleki abanenjongo yobuqhophololo bahlelwa ngokuzenzekelayo, behlisa kakhulu ithuba lokusilela.
neengozi
- Ubuncinci botyalo-mali yi-50,000 yeedola, isixa esibalulekileyo.
Altifi
I-AltiFi yindawo yotyalo-mali enqumlayo evumela abathengi ngabanye ukuba bathenge i-asethi enengeniso esisigxina.
Ibonelela ngezibambiso ebezikho ngaphambili kwiifemu zotyalo-mali, abatyali-mali abathengisayo, abantu abazizityebi, kunye nee-HNIs.
I-Altifi ivumela amaziko, ii-HNIs, kunye nabatyali-zimali ngabanye ukuba bafumane iibhondi kunye nezatifikethi zediphozithi ezivela kwiifemu ezikhulayo kuwo wonke amashishini amaninzi.
Licandelo le-Northern Arc Capital, icandelo lezemali elaziwayo, umanyano kunye nolwakhiwo, kunye nombutho wolawulo lobutyebi.
Kuba ibonelela ngokukhethekileyo ngeebhondi ezibhaliswe kwishishini labazali bayo, iNorthern Arc, iAltfi ayisiyondawo yentengiso. Eli qonga ligxile kwiibhondi ezikhutshwe ziifemu ezinetyala eliqinileyo, kwaye iNorthern Arc inokuzithemba ekubhaleni phantsi.
Izivuno zebhondi ziyohluka ukusuka kwi-8 ukuya kwi-13%. Ngaphandle kweebhondi, izakhiwo ezihlawula irhafu ezifana ne-MLD nazo ziqhelekileyo.
Nje ukuba ubhalise ne-Altifi, kufuneka ufake iinkcukacha zeakhawunti yakho yeDemat, enokuba yiNSDL okanye iCDSL. Inkqubo yokukhutshwa kwe-KYC iyakhawuleza, kwaye unokuthenga iibhondi kwiiyure ezingama-24.
Unokuthenga iiyunithi zebhondi nge-net banking okanye nge-UPI, kwaye ziya kuvela kwi-akhawunti yeDemat kwiintsuku ezimbini.
eziluncedo
- Ubhaliso luyakhawuleza. Ndikwazile ukuthenga iibhondi zam kwiiyure ezingama-24.
- Inkonzo yabathengi nayo yayikwinqanaba eliphezulu. Babekhawuleza ukuphendula nawuphi na umbuzo.
neengozi
- Iibhondi zinokuthatha ngaphezulu kweentsuku ezimbini ukuba zivele kwiakhawunti yakho yeDemat.
- Inkqubo ye-KYC inokuba luxinzelelo kubasebenzisi abathile.
KredX
I-KredX izichaza njengomboneleli wezisombululo zezemali zobonelelo.
Yasekwa kwi-2015 kwaye yongeze iimveliso ezininzi kubatyali-mali kunye neenkampani.
I-KredX ibonelela ngemali kunye nolawulo lokuhamba kwemali kwiinkampani kunye namashishini amancinci. Ikwabonelela Thenga ngoku Hlawula kamva (BNPL) iinkonzo zentengiselwano ze-B2B, isaphulelo sebhili, inkxaso-mali yokuthumela ngaphandle, kunye nezinye iimveliso ezininzi.
Basanda kukhulula iKhadi le-KredX Cashback Card kwiintlawulo zabathengisi ngokubambisana ne-ICICI Bank, enika i-cashback / imivuzo kwiintlawulo zabathengisi.
Iqela le-KredX liquka abaseki kunye namalungu eqela anolwazi olubanzi kwiibhanki, ezemali, kunye namanye amacandelo. I-Tiger Global, i-Sequoia, kunye ne-Prime Venture Partners baphakathi kwabatyali-mali abaphambili be-KredX.
eziluncedo
- Ivumela abatyali-mali abaqhelekileyo ukuba bathathe inxaxheba kwiintengiselwano zokunciphisa i-invoyisi.
- I-KredX ibonelela ngenkqubo yokungena emthungo kwaye ivumela abatyali-mali ukuba bahlukane kuzo zonke iintlobo ze-asethi.
- Ubhaliso lukhawuleza kwaye lulula.
- I-KredX ikhuselekile, ngaphandle kokungagqibeki okurekhodiweyo kwiminyaka yakutshanje.
neengozi
- Awuyi kukwazi ukubona naluphi na ulwazi olunxulumene nezinga lembuyekezo de ube ubhalisa i-akhawunti yakho.
- Ziinketho eziqingqiweyo kuphela ezifumanekayo kubatyali-mali abathengisayo.
siwiswe lokugqibela
Ke, ezi yayizezona ndawo zili-9 zibalaseleyo zotyalo-mali ezizezinye ezidumileyo kwaye zisetyenziswa zizigidi zabathengi.
Platforms ezifana Jiraaf, I-Grip Invest, Wint Ubutyebi, yaye Tyke ziindawo ezintle zokuqalisa olunye uhambo lwakho lotyalo-mali. La maqonga otyalo-mali anesiseko esihle sabathengi kwaye ayaziwa ngokwenza oko babangayo.
Hayi ingcebiso yezemali, kodwa into endiyenza ngokubanzi kukuba, endaweni yokubeka imali yam kwingxowa-mali enye yotyalo-mali, ndiyisasaza kutyalo-mali oluninzi. Ndiqala ngesixa esisezantsi, kwaye xa ndiziva ndifumana imbuyekezo endilisekileyo kwiqonga elithile kwaye amanani abo athembekile, ndidla ngokunyusa ubungakanani bam bokubheja.
Bekuphelele apho namhlanje; ezi nkxaso-mali zotyalo-mali zibonelela ngendlela encomekayo yokwenza ingeniso engenzi nto. Nangona kunjalo, kufuneka ndithi wena, njengomtyali-mali, kufuneka wenze uphando olunzulu kwaye ungaze uthembele kumanani aboniswe kuyo nayiphi na iwebhusayithi yeqonga lotyalo-mali.
UTushar
Ndisebenzise phantse lonke iqonga lokungasentla ngaphandle kwesi-2 kwaye bendifuna ukukwazisa ukuba i-Kredx inokusilela okuninzi esityale kuyo ngaphezulu kwe-2-3 cr ngayo kwaye ezi-3 zezam izivumelwano azigqibekanga njengangoku ezingaphezulu kwe-10Lakh. baye bathembisa ukuyibuyisela kodwa amanye amatyala sele kudlule unyaka ngoku kwaye akukho zimpawu zokuwafumana.