Ngaba ungumfundi waseIndiya ofuna isisombululo sezemali?
Ungajongi kwenye indawo!
Ii -apps ezili-12 zetyala ezikhankanywe ngezantsi zezabafundi abafunyenwe emva kophando olunzulu lwemarike. Ngokufikeleleka ngokukhawuleza kunye namathuba enkuthazo, ezi zicelo zenza lula ukulawula ikhredithi.
Unokuqiniseka ukuba ufumana isisombululo esifanelekileyo kwiimfuno zakho, enkosi kujongano olusebenziseka lula, amaxabiso afikelelekayo, kunye neempawu ezahlukeneyo.
Ezi zicelo ziyakukhathalela iimfuno zakho zolawulo lwemali, ke yeka ukucinezela. Lisebenzise kangangoko ixesha lakho njengomfundi ngokulawula ikhredithi yakho ngoku!
1. PaySense
I-Paysense lishishini letekhnoloji yezemali elibonelela abantu baseIndiya ngemali mboleko yobuqu, iintambo zetyala, kunye nezinye iinkonzo zemali. I-arhente yekhredithi isebenzisa isayensi yedatha kunye nokufunda koomatshini ukuvavanya ukufaneleka kwabathengi.
Ivuma iimali-mboleko kubantu abangenawo amanqaku afanelekileyo okuthenga ngetyala okanye imbali emfutshane yetyala. Ishishini lasekwa ngo-2015, kwaye ukusukela ngoko, lifumene iiwonga ezininzi kwaye linike imali mboleko kubathengi abangaphezu kwe-2.5 lakh.
Ngemijikelo emininzi yotyalo-mali, yandisa iminikelo yayo kwaye ifikelela kubathengi abongezelelweyo.
[Ukufaneleka: Iminyaka engama-21 ukuya kwengama-65]
Iimbonakalo
- Ufikelelo ngoko nangoko kwiimali mboleko zobuqu, kunye nemali mboleko eqala kwi- ₹ 5000 ukuya kwi- ₹ 5 lakh
- Ibonelela ngemali-mboleko ngesantya se-1.4% -2.3% yenzala ngenyanga.
- Akukho mbali yetyala efunekayo ukuze ufake isicelo kwaye uvunywe
- Abafundi abafanelekileyo banokufaka isicelo semali-mboleko elandelayo
- Auto-debit feature ukukhumbuza abafundi ukuba benze iintlawulo ngexesha
- Inkqubo yesohlwayo semali-mboleko yedijithali ngaphandle kwamaphepha afunekayo
- Isebenzisa inzululwazi yedatha ephezulu kunye nokufunda koomatshini ukuvavanya ukufaneleka kwetyala
2. Ikhaphethi ebomvu
I-RedCarpet yindawo yokuboleka imali yedijithali eyasekwa eIndiya ngo-2016. Ukususela ngoko, iye yanda ekuthandeni ngenxa yesicwangciso sayo sokuqala kunye nesifikelelekayo sekhredithi. Abathengi banokufikelela kwiinkonzo ezahlukeneyo zemali kunye neemveliso usebenzisa inkqubo ekhethekileyo ebizwa ngokuba yi "RedCarpetX" enikezelwa yinkampani.
Bakwadume ngeqhinga labo elijolise kubathengi, inzala endlongondlongo, kunye nokukhetha intlawulo eguqukayo. Babonelela ngeendlela ezahlukeneyo zokuboleka imali kwaye balungelelanise inkqubo yokufaka isicelo semali-mboleko.
Ukuba yindawo ethembekileyo, lukhetho oluhle kuye nabani na okhangela ukufikelela okulula nokuthe ngqo kwityala.
[Ukufaneleka: ubudala 18]
Iimbonakalo
- Ukuzaliswa ngokukhawuleza komlinganiselo wetyala ngokukhawuleza ukuba uphelile
- Ukukhupha imali usebenzisa ikhadi leRedCarpet kuyo nayiphi na i-ATM
- Ukulandelwa okulula kweentlawulo kunye nokujongwa kweengxelo zekhadi ezineenkcukacha nge-app okanye iwebhusayithi
- I-app ye-RedCarpet isebenza njengesisombululo esisodwa sokulawula ikhadi lakho
- Izikhumbuzo zarhoqo zemihla ezayo
3. Navi
I-Navi lusetyenziso lolawulo lwemali lobuqu olunceda abasebenzisi ukuba balawule iimali zabo. Ibonelela ngeempawu ezinjengokulandelela inkcitho, uhlahlo lwabiwo-mali, ukusetwa kweenjongo zemali, izikhumbuzo zebhili, amanqaku etyala ukubeka iliso, kunye nokulandelela utyalo-mali.
Ikwanceda abasebenzisi ukuba bachonge iindawo apho banokucutha khona iindleko kwaye benze ngcono izigqibo zezemali. Inkampani ikhuphe imali-mboleko engaphezulu kwe-11000 ye-crores. I-Navi ikhululekile ukukhuphela kuzo zombini iiplatifti ze-iOS kunye ne-Android kwaye ibonelela kubasebenzisi baseIndiya ukulawula ubomi babo bezemali.
[Ukufaneleka- 21 iminyaka]
Iimbonakalo
- I-100% yenkqubo yesicelo semali-mboleko yedijithali kunye namaphepha amancinci
- Inkqubo elungelelanisiweyo kunye nekhuselekileyo, kulula ukuhamba
- Inkxaso yomthengi ekhoyo iiyure ezingama-24 ngosuku, iintsuku ezisi-7 ngeveki
- Iinketho zokubuyisela imali mboleko, kunye nokuhlala ukuya kuthi ga kwiminyaka emi-6
- Amazinga okhuphiswano enzala aqala kwi-9.90% pa kwiimali-mboleko zemali.
4. I-SlicePay
ISlicePay sisiqalo sefintech saseIndiya esibonelela ngenkxaso-mali kubafundi beekholeji. Umbutho ubonelela ngamakhadi etyala kunye nemali-mboleko yobuqu, inkxaso-mali esekwe kwi-EMI, kunye neentlawulo zetyala ukunceda abafundi ukuba bafumane ikhredithi ngaphandle kwesibambiso okanye imbali yetyala.
Ivavanya ukufaneleka kwetyala usebenzisa i-algorithms yobunikazi kwaye inonxibelelwano kunye neentlobo ezahlukeneyo zabarhwebi kunye namaqonga e-e-commerce. I-SlicePay yaqala ngo-2015 kwaye ifuna ukwenza ikholeji ifikeleleke ngakumbi. Inyuse imali yokwandisa iinkonzo nokufikelela kubathengi abaninzi.
[Ukufaneleka- iminyaka eyi-18]
Iimbonakalo
- Ufikelelo olukhawulezayo nolulula kwimali-mboleko ukuya kuthi ga kwi-5 lakh
- Ukhetho lokuhlawula ukuya kuthi ga kwiinyanga ezili-12 okanye ukubuyisela kwangoko ukugcina inzala
- Intlawulo yetransekshini yexesha elinye kuyo yonke imali-mboleko ebolekiweyo
- Fumana umvuzo we-2% kwinkcitho yekhadi
- Akukho nzala ehlawuliswayo ukuba imali-mboleko ibuyiselwe kwisithuba senyanga
- Amazinga enzala akhuphisanayo kwi-EMI, kunye noluhlu lwe-12-15% kwithuba lokubuyisela inyanga ye-12.
5. Eduvanz
I-Eduvanz sisicelo semali saseIndiya esigxile ekunikeni izisombululo zemboleko yabafundi. Bafuna ukwenza ukufumana inkxaso-mali yezikolo nezinye inkcitho kube lula kwaye kube nzima kangangoko. Ezinye iinkonzo, ezifana nezi, zisebenzisa “isivumelwano sokwabelana ngengeniso” apho ababoleki beyibuyisela imali-mboleko njengepesenti yengeniso yabo.
Babonelela ngeemali-mboleko kwiinkcitho ezahlukeneyo zemfundo ezifana nezifundo, izixhobo zekhosi, kunye nezixhobo zekhompyuter. Baye bafumana udumo lokubonelela ngenzala ephantsi kunye nenkqubo yokufaka isicelo ngokukhawuleza, ekhonza abafundi ekufezekiseni iinjongo zabo zemfundo.
Lilonke, i-Eduvanz lukhetho oluhle kakhulu lwabafundi abafuna indlela ebhetyebhetye kunye nentsha yokuxhasa imfundo yabo.
[Ukufaneleka- 18 ukuya kwi-60 iminyaka]
Iimbonakalo
- Ikhaltyhuleyitha yeendleko zemboleko
- Iinketho ezilungele abafundi kunye nezisombululo ezilungiselelwe imfundo
- Ukuvunywa kwangoko, i-100% inkqubo ye-intanethi ngaphandle kweentlawulo ezifihliweyo (imali yokucubungula 0% -5%)
- Inzala ephantsi isekelwe kwiprofayile yomfundi
- Iinketho zokuhlawula eziguquguqukayo.
6. ILazyPay
ILazyPay yaseIndiya, isiqalo sika-2016, sibonelela ngeemali-mboleko ze-intanethi. Idume ngokunikezela ngetyala kwangoko kunye neenkqubo ezilula zokuphuma. Babonelela ngeendlela ezilula zokuphuma ngenxa yokusebenzisana kwabo ngokulula kunye nokunxibelelana namashishini.
Abantu bayathanda ukuhlawulwa kwemali mboleko ekhawulezayo yeqonga kunye nokufumaneka lula kwetyala, ke idumile phakathi kwabathengi baseIndiya. Kukho ngaphezu kwe-6 crore abasebenzisi abafanelekileyo. Banikezela ngeendlela ezahlukeneyo zokuboleka imali, kubandakanya imali mboleko yobuqu, imali mboleko yeholide, kunye nabanye.
ILazyPay lukhetho oluhle kuye nabani na okhangela indlela elula yokufumana ikhredithi kunye neqabane elithembekileyo lezemali.
[Ukufaneleka- iminyaka eyi-18]
Iimbonakalo
- Ukukhutshwa kwetyala kwimizuzwana engama-90
- Imiqathango yentlawulo efanelekileyo yeentsuku ezili-15
- Akukho maxwebhu aphathekayo afunekayo kunye nolwamkelo olukhawulezileyo
- Ityala leLazyPay linokusetyenziswa ngaphandle kweintanethi nakwi-intanethi kwizigidi zabarhwebi
- Ubudlelwane obubodwa kunye namaqonga ahlukeneyo anje ngeSwiggy kunye neTomato, ukubonelela abathengi ngeevawutsha ezongezelelweyo kunye nezibonelelo
- Iinketho zokuhlala eziguquguqukayo ukusuka kwiinyanga ezi-3-24, ezivumela abathengi ukuba bakhethe isicwangciso sembuyekezo esisebenza ngcono kubo.
- Inzala ekhuphisanayo iqala kwi-18% ngonyaka, inyuke iye kuma-32% ngonyaka, kuxhomekeke kwisixa-mali semali-mboleko kunye nokuhlala.
7. I-PostPe
I-PostPe liqonga lokuboleka imali yedijithali elasekwa ngo-2019, eIndiya elaziwa ngenkqubo yokufaka isicelo semali-mboleko ekhawulezayo nelula. Banikezela ngeemali-mboleko ngaphandle kwesibambiso, imigca yetyala, kunye nolunye ukhetho, kuxhomekeke kwiimfuno zakho.
Bagxile kakhulu ekuboneleleni ngenkonzo yabathengi ekhethekileyo. Ithegi yegama labo, “De Dena Aaram Se” elithetha ukuthi 'hlawula ngokulungele wena', liqaqambisa injongo yabo yokunika abathengi ulawulo kwiimali zabo.
Ngembali yokubonelela ngezisombululo zetyala ezikhawulezayo nezikhuselekileyo, iPostPe lukhetho oluthembekileyo kwabo bafuna izisombululo zemboleko ezikhawulezayo.
[Ukufaneleka- 21 ukuya kwi-65 iminyaka]
Iimbonakalo
- Iinketho ze-EMI ezinokwenziwa ngokwezifiso ukuze ufumane amava embuyekezo eyeyakho
- Ukusetyenziswa kwetyala le-PostPe lokuthenga kwi-intanethi okanye kwivenkile
- Ideshibhodi ye-intanethi eyenzelwe wena yokulandelela imali-mboleko, iindleko, kunye nee-EMIs
- Into elula yokudlulisa imali ngokuskena ikhowudi yeQR
- Umda wetyala ongenanzala ukuya kuthi ga kwi-10 Lakhs
- Inzala ekhuphisanayo phakathi kwe-24-36% kwixesha lemali-mboleko ukusuka kwiinyanga ezi-3-6
8. mPokket
I-Mpokket yifem yetekhnoloji yezemali egxile ekuboneleleni ngemali mboleko ngoko nangoko kubafundi beekholeji eIndiya. Injongo yabo kukwenza kube lula kubafundi ukuba bafumane ikhredithi, ngokusebenzisa iifowuni zabo kunye nemidiya yoluntu.
Ikwabonelela ngekhadi letyala lenyani, elinokuthi lisetyenziswe ekuthengeni, ekuhlawulweni kweebhili, kunye nokutshajiswa kwakhona. I-Mpokket yasekwa ngo-2017, ngombono wokwenza ikhredithi ibe lula, ifikeleleke kubafundi.
Ukuza kuthi ga ngoku, i-mPokket iqokelele izigidi ezi-2+ zabathengi abonelisekileyo ngomndilili wokukala kweenkwenkwezi ezi-4+ kuDlalo lukaGoogle.
[Ukufaneleka- iminyaka eyi-18]
Iimbonakalo
- Inkqubo yesicelo semali-mboleko ekhawulezayo nelula
- Inzala ekhuphisanayo, eqala phantsi ukuya kutsho kwi-3.5% ngenyanga
- Ukufikelela ngokukhawuleza kwimali ngaphandle kwesidingo sezibophelelo ze-EMI zexesha elide
- Ukhetho oludumileyo phakathi kwabafundi lokufikelela kwityala
- Ibonelela ngeemali-mboleko ezincinci eziqala ukusuka ezantsi ukuya kuthi ga kwi- ₹ 500 ukuya kuthi ga kwi- ₹ 20,000, kunye nokhetho lokubuyisela ukuya kwiinyanga ezi-4
9. BadaBro
UBadabro ubalasele app credit in India ebonelela abafundi kuphela. Bayazi ukuba kusenokuba nzima ukufumana ikhredithi njengomfundi, kwaye bazama ukulenza libe lula. I-app ibonelela ngeendlela ezahlukeneyo zokubolekwa kwemali kunye namaxesha okuhlawula aguquguqukayo anokuthi alungiselelwe ukuhambelana neemfuno ezithile zabafundi.
Bavumile ngaphezulu kwe-1 lakh mboleko, ebonisa ukuthandwa kunye nokusebenza kwabo. Banikezela ngenzala ephantsi kunye nenkqubo elula, ebalulekileyo kubafundi abaneengxaki zemali kunye nemali mboleko yokuhlawula isikolo.
Lilonke, yeyona ndlela ibalaseleyo yabafundi abakhangela ikhredithi ekhawulezayo nelula.
[Ukufaneleka- iminyaka eyi-18]
Iimbonakalo
- Umlinganiselo wetyala oguqukayo oqala kwi-Rs. 1,000
- Isicelo sekhredithi esilula kwi-Intanethi, ukudluliselwa kwangoko
- Inkqubo yokuvunywa ngokukhawuleza kwi-intanethi
- Imiqathango yokuhlawula eguquguqukayo phakathi kwe-61 ukuya kwiintsuku ze-90
- Inzala ye-5% ngenyanga
10. Epokothweni
I-Pocketly lusetyenziso lwetyala eIndiya olubonelela ngezisombululo zetyala kubantu abancinci. Ithegi yabo yophawu 'yiCredit for Young India', egxile ekunikeni ufikelelo ngetyala kubantu abatsha abanembali enyiniweyo okanye abangenayo yamatyala. I-app kulula ukuyisebenzisa kwaye inikezela ngeendlela ezahlukeneyo zokuboleka imali, kubandakanya imali mboleko yobuqu, imali mboleko yokuhamba, kunye nokunye.
Banenkqubo yesicelo ekhawulezayo nengenamthungo kwaye banikezela ngeemali-mboleko ngoko nangoko kubathengi abafanelekileyo. Enye yezona zinto zibalulekileyo kukuba inokukhutshelwa okungaphezulu kwesigidi esinye kuGoogle Play, nto leyo ebonisa ukuthandwa kwayo phakathi kwabaphulaphuli abancinci.
Baziwa nangenzala ephantsi, iindlela zokuhlawula eziguquguqukayo, kunye nendlela yomthengi-ephakathi. Lilonke, iPocketly lukhetho oluhle kubantu abancinci baseIndiya abafuna ikhredithi ekulula kwaye efikelelekayo.
[Ukufaneleka- iminyaka eyi-18]
Iimbonakalo
- 24/7 ukufumaneka mboleko
- Inkqubo yokubuyisela imali
- Ngokukhawuleza, inkqubo yokubhalisa ngokucofa kabini
- Amava e-KYC angenangxaki
- Amazinga enzala ukusuka kwi-12-36% ngonyaka
- Umda wetyala ukuya kuthi ga kwi-R10000 ngokusekwe kwimbali yokuhlawula
- Iinketho ze-EMI eziguquguqukayo kunye nokukwazi ukuvala imali-mboleko nangaliphi na ixesha
11. StuCred
I-StuCred sisicelo setyala esidumileyo phakathi kwabafundi baseIndiya, esiqhayisa ngoluntu lwabasebenzisi abangaphezu kwe-3 lakh. Babonelela ngeemali-mboleko ezilula kunye neendlela zokuhlawula eziguquguqukayo. Bakwanayo nenkalo eyodwa yoQhagamshelwano lwaBafundi, ukudibanisa abafundi nabafundi beminyaka edlulileyo, oontangandini, kunye neengcali zokukhokela ngemali.
I-StuCred lukhetho olulungileyo lwetyala kunye nenkxaso yezemali kubafundi, nayo enenkqubo yokufaka isicelo elula. Baye banikezela ngenkxaso yomthengi kulo naluphi na uncedo olufunekayo ngexesha lenkqubo.
[Ukufaneleka- iminyaka eyi-18]
Iimbonakalo
- I-StuCred ibonelela ngetyala ngoko nangoko nge-0% yenzala
- Umrhumo wexesha elinye we-6% yemali-mboleko iyonke iyabizwa.
- Ngaphezulu kwe-10,000 yeekholeji ezidwelisiweyo, iStuCred ifikeleleka ngokubanzi kubafundi.
- Inkqubo yokuvunywa kwetyala iyakhawuleza kwaye iyasebenza, kanye emva kokugqiba inkqubo ye-KYC
- Ubuncinci bemali-mboleko enikezelwa yi-StuCred yi- ₹1000
- Ngokungaguquguqukiyo kunye nangexesha lokubuyisela imali mboleko, iStuCred yonyusa umda wetyala ukuya kuthi ga kwi-R15,000.
12. kreditbee
I-KreditBee, iqonga elikhokelayo lokuboleka imali yedijithali eIndiya, libonelela ngeendlela ezahlukeneyo zokuboleka imali kunye namava asebenziseka lula kubathengi bayo. Ngenkqubo yesicelo ekhawulezayo nelula, banikezela ngeemali-mboleko ngoko nangoko kubathengi abafanelekileyo. Banokufikelela okubanzi kwaye bancede abaninzi, njengoko kubonisiwe kukuhlawula kwabo ngaphezu kwe-30000 yekhredithi yekhredithi ukuza kuthi ga ngoku.
I-KreditBee yaziwa ngendlela yayo yomthengi-okuphakathi, inzala ekhuphisanayo, kunye neendlela eziguqukayo zokuhlawula. Lukhetho olukhulu kwabo bafuna ikhredithi ekulula kwaye efikelelekayo.
[Ukufaneleka- iminyaka eyi-21]
Iimbonakalo
- Inzala iqala kwi-1.02% ngenyanga kwaye inyuke ukuya kwi-2.49% ngenyanga
- I-Kreditbee isebenzisa iqonga elisekelwe kwi-AI ukujonga ukufaneleka kwemboleko, eqinisekisa ukuba iimali-mboleko zinikezelwa kubaviwa abafanelekileyo.
- Ukhetho lwemali-mboleko olukhoyo lusuka ezantsi ukuya kuthi ga kwi-R1,000 ukuya kuthi ga kwi-3 Lakhs
- Inkqubo yesicelo semali-mboleko ye-Kreditbee iyafumaneka 24/7, oku kuthetha ukuba ungafaka isicelo semali-mboleko nangaliphi na ixesha.
- Inkqubo yokukhutshwa kwemali mboleko iyakhawuleza, kwaye imali yenziwa ifumaneke kwimizuzu eli-10 yokuvunywa kwemali-mboleko
- Inkqubo yesicelo sikaKreditbee yi-100% kwi-intanethi, inamaxwebhu alula, kunye nokukhupha imali ngaphandle kokuphazamiseka.
Top 3 Khetha
Ukucutha ukhangelo lweeapps eziphezulu zetyala kubafundi baseIndiya akuzange kube lula! Emva kokuphonononga ngocoselelo i-12 kwezona zikhethwa zingcono, siyicuthe ukuya kutsho kwezi-3 eziphezulu ekufuneka zibenazo ii-apps.
Masingene ngaphakathi kwaye sithelekise ngokunzulu aba bakhethi baphezulu
1. mPokket
eziluncedo:
- Ujongano olusebenziseka lula lwenza kube lula ukuhamba kwaye ufake isicelo semali mboleko
- Inkonzo elungileyo yabathengi ehlala ilungele ukuxhasa nayiphi na imibuzo okanye iinkxalabo
- Isibonelelo sokwandisa umhla wokugqibela, olungele utshintsho olungalindelekanga kwiimeko zemali
bendlela:
- Umyinge wetyala lokuqala ophantsi, kwaye inkqubo yokunyusa ingacotha
- Iintlawulo ezifihliweyo zixeliwe, nakwimali encinci
- Inzala ephezulu yabafundi xa kuthelekiswa nezinye iiapps zetyala.
- Ukukhutshwa kwemali mboleko kunokuthatha ixesha.
2. KreditBee
eziluncedo:
- Ukukhutshwa ngokukhawuleza kwemali mboleko enokuba luncedo kwimeko yongxamiseko
- Ujongano lomsebenzisi olugudileyo noluyilwe kakuhle
- Funa amaxwebhu ambalwa, ukwenza inkqubo yesicelo ibe lula
- Intlawulo yenzala efanelekileyo kwimali-mboleko
bendlela:
- Inkqubo yokuqinisekisa ingathatha ixesha elide kunoko belilindelwe
- Uvavanyo lwamanqaku etyala lusenokungasebenzi
- Umrhumo wokuqhubekeka uphezulu xa kuthelekiswa nezinye iiapps zetyala
- Amava enkxaso yomthengi asenokunganelisi.
3. I-SlicePay
eziluncedo:
- Inkqubo yedijithali ngokupheleleyo, ephelisa imfuno yamaxwebhu abonakalayo
- Ilungele iimeko ezingxamisekileyo njengoko inikezela ngeekhredithi ezikhawulezayo kwimizuzu eyi-10
- Inzala ephantsi kwaye akukho ntlawulo ifihliweyo
bendlela:
- Ujongano oluntsonkothileyo lunokuba nzima ukuhamba
- Iingxelo zenkxaso yabathengi ezingaphenduliyo kwimibuzo ngexesha
- Imida yamatyala ihlile kumaxesha akutshanje
- Ukuguquguquka okulinganiselweyo ekukhetheni ixesha lemali-mboleko.
Isigqibo sethu
Xa kufikwa ekufumaneni i-app yetyala eyiyo kubafundi, konke kumalunga nokulinganisa okuhle kunye nokubi. Kwaye xa kufika kreditbee, iingenelo ziyodlula lee ingozi!
Ngembuyekezo yemali-mboleko ekhawulezayo, ujongano olusebenziseka lula, kunye namazinga enzala afanelekileyo, lelona qhawe 'lengxowa-mali kaxakeka'.
Ngaba ufuna imali ngokukhawuleza? I-KreditbBee inomqolo wakho.
Udinwe ngamaphepha? Uxwebhu oluncinci lweKreditBee lutshintsho olwamkelekileyo.
Amaxabiso enzala akunika iiblues? Amaxabiso e-KreditBee ngumculo ezindlebeni zakho.
Ngokuqinisekileyo, akukho app igqibeleleyo, kodwa i-Kreditbee yeyona ilungele abafundi ngokukhutshwa kwayo kwangoko kunye nenkqubo yesicelo elula. Yenza i-KreditBee ibe yiphiko lakho kwihlabathi lezemali zabafundi.
Shiya iMpendulo