I-#1 yesizathu sokuba uninzi lwamaIndiya aluthandi ukutyala imali kwizitokhwe kukuba bacinga okanye bawufumana njengomsebenzi onzima.
Abantu banentelekelelo yokuba utyalo-mali lwemarike yesitokhwe lunokwenzeka kuphela ngee-stockbrokers, iifemu, okanye ii-portal zebhanki.
Singasathethi ke ngombono wokuhlawula umrhumo omkhulu kwi-stockbroker ikwabalasele eIndiya.
Ukuba bendithe kuwe:
- Awudingi mthengisi wamasheya ukuze uqalise ukutyala imali
- Awudingi ukuhlawula nayiphi na ikhomishini kuye nabani na okanye nakweliphi na iqonga.
- Ukuthenga izitokhwe kuthatha nje ukucofa iqhosha
Kweli nqaku, uya kufunda malunga nezona zi-5 zidumileyo zolawulo lotyalo-mali eIndiya. Ezi zizicelo ze-smartphone onokuthi uzifake kutyalomali kwaye ukhulise iphothifoliyo yakho ekuhambeni.
Siza kuthetha ngayo nganye ngokweenkcukacha kwaye ndiza kuzama ukukunceda ukhethe eyona app yotyalo-mali ilungele wena.
khula
Ukukhula ngokungathandabuzekiyo yeyona app ilungileyo yabaqalayo kunye nabatyali-zimali bokuqala.
Yaqala njenge-app yotyalo-mali oluhlangeneyo. Ngoku ikuvumela ukuba uthenge amasheya kunye Mutual fund usebenzisa iqonga elifanayo. Imotto yonke ethi Khulisa kukwenza utyalo-mali lube lula kangangoko. Oko kwenzayo.
Ideshibhodi ilula kakhulu kwaye iyaqondakala. Uyakwazi ukulandelela zonke iimali zakho zeMutual kunye nokuthengwa kweStock i-Khulisa app.
Iakhawunti yakho yeDemat iya kuvulwa emva kokuba wenze i-akhawunti yoKhulisa. Ekuqaleni, uya kukwazi ukuthenga kuphela iMutual Funds.
Ukuvula iakhawunti yakho yeDemat, yiya kwicandelo lesitokhwe ukusuka kwindawo enkulu Khulisa ideshibhodi yosetyenziso kwaye ucofe ukuvula iakhawunti entsha. Uyakukhokelwa kuyo yonke le nkqubo kwaye ufumane izaziso zokuvunywa kwi-imeyile yakho.
Nje ukuba iakhawunti yakho ivunyiwe ungaqala ukuthenga nokuthengisa izitokhwe.
Ideshibhodi ye-app ikubonisa zonke izitokhwe zexesha lokwenyani ezihamba phambili kwimarike. Ungajonga idatha yembali usebenzisa iitshathi zeRock.
Kukho zonke iintlobo zedatha eboniswe ngezantsi kweetshathi zeRock ezinxulumene nesitokhwe senkampani osijongileyo ngoku.
Idatha ibandakanya:
- Iinkcukacha-manani zesitokhwe senkampani (Ezinje ngekhonkco lemarike, isabelo Yima kancinci)
- Ulwazi malunga nenkampani
- Iipateni zokuba nezabelo
- Ukuhamba KWEMALI
- Ibalance sheet eneenkcukacha
- Ingcebiso yomhlalutyi
Ikwakubonisa izitokhwe ezinxulumeneyo ukuze uthelekise.
Ngokumalunga neeNgxowa-mali eziBalulekileyo, unokujonga yonke idatha ebalulekileyo efana nale:
- NONE
- Iinkcukacha zomphathi weNgxowa-mali
- Ukubamba ingxowa-mali
- Buyisela i-% ngexesha (ungakhetha phakathi kweentsuku ukuya kwiminyaka)
- IiPros n Cons
I-Groww ikwanayo i-SIP kunye ne-Time-Time calculator yotyalo-mali yabaTyali-mali abakwi-Mutual Fund.
Kwenza kube lula kuwe ukuba uqonde ukuba kufuneka utyale malini ukuze ufezekise iinjongo zakho zemali ozinqwenelayo.
Kwicandelo lokuHlola le-app, ungacofa udidi ukufumana iintlobo ngeentlobo zeemali ezinje:
- Umngcipheko ophezulu
- ugcino lwerhafu
- Imbuyekezo engcono kune-FD
- Iinkampani eziphezulu
- Iibhanti zeCandelo
- Ii-SIPs ukuqala ngeRS. 500
I-app efanayo ikuvumela ukuba ulandelele izitokhwe kunye notyalo-mali oluhlangeneyo.
Ungongeza imali ongathanda ukuyityala kwi-akhawunti yakho ye-Groww ukuze uthenge izitokhwe ngokukhawuleza ukuba wenza urhwebo phakathi kosuku.
Usenokukhetha ukutsala imali yakho kwaye uyigcine kwi-akhawunti yakho ye-Groww ukuze uphinde uyityale.
Ukusebenzisa i-Groww unako kwakhona ukulandelela utyalo-mali lwakho lwangaphandle. Oko kuqinisekileyo kuya kukunceda ulandelele zonke izinto ozithengileyo ngendlela elungelelanisiweyo.
I-app, kunye neqonga lewebhu, alifane liphazamiseke. Andizange ndibe nayo nayiphi na imiba nge-app ye-smartphone ye-Groww malunga nokutyala imali okanye ukurhoxisa imali.
Ukuvula iakhawunti yotyalo-mali eKhulisa kufuneka ugcwalise inkqubo epheleleyo ye-e-KYC. Akukho mfuneko yokuba ungenise nawaphi na amaxwebhu ephepha. Kwaye ngokuqhelekileyo kuthatha ngaphantsi kweeyure ezingama-48 ukufumana imvume ye-akhawunti.
Ukukhula yeyona ndlela ilungileyo kuwe ukuba usandula ukuqalisa ukufumana umvuzo wakho. Okanye ucinga ukuba ngoku lixesha lokuba uqale ukutyalomali kwii-stocks okanye kwi-mutual funds.
Akukho ntlawulo ye-brokerage kunye nomrhumo wokuvula i-akhawunti engu-zero. Ukukhula kuphela kwe-app oyisebenzisayo onokuvula iakhawunti yeDemat yasimahla.
Ukukhula ayingobatyali-mali abanamava. Ukuba ujonge phambili kwintengiso ye-Intra-day, jonga i-app elandelayo.
Yenza iakhawunti yakho yoKhulisa
Ikhayithi nguZerodha
I-Kite yi-app yorhwebo yesitokhwe nguZerodha. Yeyona app idumileyo yokurhweba ngesitokhwe eIndiya. Azikho ii-apps ezininzi ezinohlobo lwecaliber uZerodha analo.
Ithathwa njenge-Robinhood elinganayo eIndiya, kwaye uthelekiso alucacanga.
I-Kite njengeqonga lokurhweba linikezela ngeempawu ezininzi ezinceda abatyali-mali abaphakathi ukuba boyise ubunzima bemarike.
Indawo enye apho iKite iyinkosi engathandabuzekiyo ziiChati zeRock. Ndisebenzise amaqonga amaninzi, kwaye akukho nanye esondela ekusebenziseni ngokulula kunye nokuqonda okunikelwa nguZerodha.
Itshathi yeRock kulula ukuyifunda. Unazo zonke iintsomi ezikhankanywe ngokucacileyo. Idatha yembali ibuyela emva kwiminyaka elishumi edlulileyo, engabonelelwanga yiyo nayiphi na enye i-app kolu luhlu.
Ungatshintsha phakathi kobukhulu benqwelo ngokuyicinezela kwaye ukhangele phezulu kunye nezantsi ngomzuzu. Ukuba uqala njengomthengisi wosuku, sebenzisa iZerodha ngaphambi kwayo nayiphi na enye into.
Zininzi izinto ezibonelelwa yiKite kuphela, nto leyo eyenza kube lukhetho olunzima kakhulu ukungahoyi:
- Ideshibhodi eqondakalayo yokulawula ipotfoliyo
- Ukufikelela ngokukhawuleza kwizitokhwe ezizithandayo usebenzisa uphawu loLuhlu lokubukela
- Ukufikelela kwiziseko ezisisiseko ezifana nedatha yentlawulo yesahlulo (iKite kuphela enalo phawu)
- Ulwandiso lweChrome (cofa-kanye ukufikelela kwideshibhodi yakho yeKite)
- Unokongeza imali usebenzisa i-UPI okanye iNetbanking
- Ngaba thenga iibhondi zegolide, ii-ETF, kunye nee-IPO zisebenzisa iqonga elifanayo
- Iinketho zotyalo-mali kwimpahla
- Ukufikelela ngokulula kwidatha efana neP&L, isivuno sesahlulo, izenzo zenkampani, imbali yenkampani, kunye nokunye
- Iinketho ezininzi zokurhweba kubandakanya i-CNC, i-MIS, i-AMO, kunye ne-RGLR
NgeKite, unokufaka ii-odolo ze-aftermarket zokuthengwa kwe-CNC kunye ne-MIS.
Ukurhweba kwangemihla kugudileyo, kungcono kunalo naliphi na elinye iqonga phaya. Unokufikelela ngokukhawuleza kwiitshathi ezininzi zeRock ezinje ngamakhandlela, iHeujib Ashi, iRenko, iPowunti kunye nomfanekiso, iKagi, ikhefu lomgca kunye neBaseline, njl.
Iitshathi ziyakwazi ukwenzeka ngokupheleleyo. Unokwenza ngokwezifiso itshathi kwaye uyigcine njenge template ukuze uyisebenzise rhoqo. Kukho iqhosha elikhawulezayo phezulu kwiitshathi ukuthatha umfanekiso wemarike yangoku.
Ukusebenzisa i-Kite app ye-iOS okanye i-Android, unokutshintsha ngokukhawuleza phakathi kwee-odolo zakho ezilindileyo kunye neziphunyeziweyo. Ikwakuvumela ukuba ujonge iphothifoliyo yakho, izikhundla ezikhoyo kunye nokubamba.
Ukusebenzisa i-app efanayo, unokutyala imali kwimarike yempahla. Khumbula
I-Zerodha sisicelo esifanelekileyo sotyalo-mali kubo bobabini abasaqalayo kunye nabatyali-zimali bepro. Intlawulo yokuvula i-akhawunti yi-RS. 300 flat kunye RS. 300 ngonyaka ukususela kunyaka ozayo.
Eyona nto incinci i-con Zerodha ithande ukuba nayo kukuvalwa okuphindaphindiweyo kunye namaxesha aphantsi. Kuqhelekile ukuba i-Zerodha's Kite kunye ne-Console app ihambe ngaphandle kweintanethi imizuzu embalwa veki nganye.
Yenza iakhawunti yakho yeZerodha
Paytm Imali
Imali yePaytm isentsha kwimarike,
Kodwa nasemva kokuba ngumntu omtsha, unokuthenjwa kwegama lePaytm. I-Paytm yenye yeebrendi ezinkulu zemali eIndiya.
Ineebhanki zokuhlawula, iiwallet eziphathwayo, i-UPI, kwaye ngoku yimali yePaytm.
I-Paytm Money sisicelo sotyalo-mali esenzelwe abatyali-zimali abaqalayo kunye nomntu oqhelekileyo, njengoko ibango lenkampani. Ungatyala imali kwiiNgxowa-mali eziBalulekileyo kunye nakwizitokhwe usebenzisa iapp efanayo.
Kulula ukuyisebenzisa, ixesha lokuphumla liqinile njengoko lingafumani msindo rhoqo njengeZerodha.
Ikwajongana nee-ETF, ii-derivatives, kunye ne-NPS ngokunjalo.
Ukurhweba kulula ngePaytm Imali ngenxa yedeshibhodi yayo ekulula ukuyisebenzisa kunye neetshathi zekhandlela.
Ukuhanjiswa kwempahla kusimahla. Uza kuhlawuliswa i-RS.10 kuyo yonke intengiselwano ye-intraday. Akukho naziphi na iindleko zokuziswa kwe-CNC.
Ungajonga itshathi eneenkcukacha zamaxabiso orhwebo esitokhwe atsalwa yiPaytm imali kweli phepha.
I-app ibonisa iinkcukacha zenkampani, eyona nto ndiyithandayo kunye nenxalenye ebalulekileyo yokutyala imali.
Kutheni kufuneka usebenzise i-app ye-Paytm yemali:
- Imirhumo ephantsi ngokwentengiselwano kubathengisi be-intraday
- Idatha yemarike ephilayo kwi-app yeselula
- Ideshibhodi eqondakalayo yabaqalayo
- Gqibezela uhlalutyo lwepotfoliyo ukuze uqonde ukuba ityalwe phi imali yakho kunye nokuba lohlulwe kangakanani utyalo-mali lwakho
Unako kwakhona ukuqalisa i-akhawunti ye-NPS kwaye wakhe ikhoposi yomhlalaphantsi usebenzisa imali ye-Paytm. Funda ukuba kutheni i-NPS ilutyalo-mali olufanelekileyo lweMillennials.
Ngokubanzi Imali yePaytm sisicelo esifanelekileyo sabaqalayo ukuba baqalise.
Nangona kunjalo, awukwazi ukuthenga iiBond zeGolide eziKhulu okanye wenze ibhidi ye-IPO usebenzisa iPaytm.
Yenza iAkhawunti yeMali yePaytm
EMoney
Ukuba ungumntu ongenamdla kwimarike yemasheya, i-ETMoney inokuba yeyona app ilungileyo kuwe.
I-ETMoney sisicelo esilula esikuvumela ukuba utyale imali kwiimali ezifanayo, i-NPS, thenga impilo kunye ne-inshurensi yobomi bexesha, kunye nokutyala imali kwezinye iindlela ezahlukeneyo zotyalo-mali olungelulo olotshintshiselwano.
Ngamafutshane - ungatyala imali kuyo nantoni na usebenzisa EMoney, ngaphandle kwemarike yemasheya.
Liqonga elincinci nelincinci elinobuhlobo lokulawula utyalo-mali lwakho lonke kunye nokuthengwa kwe-inshurensi.
Iqonga le-ETMoney lisebenza njengomfundisi wotyalo-mali. Uya kufumana iindlela ezahlukeneyo zokutyala imali ngokuxhomekeke kwiinjongo zakho.
Umzekelo, ukuba injongo yakho kukugcina irhafu, i-ETMoney iya kucebisa i-ELSS mutual funds, utyalo-mali lwe-NPS. Ukugcinwa kwerhafu ye-FD okanye i-PPF.
Ke yenza kube lula kakhulu ukwenza isigqibo esichanekileyo malunga nokuba uyibeka phi imali yakho kwaye ixesha elingakanani. Kuba khumbula, zonke izikimu zotyalo-mali zokonga irhafu zitshixiwe kungekho ngaphantsi kweminyaka emi-3.
Lonke utyalo-mali oluhlangeneyo olwenziwe nge-ETMoney luthe ngqo. Oko kuthetha ukuba akukho brokerage phakathi kweemali ezihlangeneyo kunye nemali yakho.
Ezinye zeempawu ezilungileyo ze-ETMoney:
- Utyalo-mali olwahlukeneyo - I-ETmoney ibonelela ngeendlela ezininzi zotyalo-mali. Ngokungafaniyo nabanye abakolu luhlu, ungatyala imali kwi-PPF, izicwangciso zikarhulumente, ii-inshorensi kunye neengxowa-mali ezifanayo. Bonke basebenzisa i-app efanayo.
- I-LoanPass - nge-LoanPass, unokufumana iimali-mboleko ezininzi kwisitampu sokuvuma esinye. Ngumnikelo okhethekileyo we-ETMoney.
- I-tracker yeendleko-Lawula ngobuchule iindleko zakho zemihla ngemihla ukuya kunyaka nge-automation.
- Izixhobo kunye neekhaltyhuleyitha-Ufumana ukufikelela kwizixhobo ezahlukeneyo zemali kunye neekhaltyhuleyitha zokubala imbuyekezo, ucwangcise umhlalaphantsi, ufumane amanqaku etyala, ugcine irhafu, kunye nokunye.
Ukuba utyalo-mali lwentengiso yesitokhwe ayiyona nto iphambili kuwe, i-ETMoney sisicelo esimangalisayo sokungahoyi. Ndincoma kakhulu ukuba uyizame.
Ikwasebenza njenge tracker yenkcitho yomntu. Ilanda ngokuzenzekelayo utshintshiselwano lwamva nje ngokufunda imiyalezo kwaye iyenze ngokweendidi ngokufanelekileyo.
Unokufumana ingxelo eneenkcukacha malunga nokuba yimalini obuyichithe ngenyanga, yonke imihla, okanye ngeveki.
Yenza iakhawunti yakho ye-ETMoney
Upstox
I-Upstox yenye indlela efanelekileyo yokutyala imali kwimarike yemasheya.
Lukhetho olufanelekileyo ukuba iZerodha ayihambelani neemfuno zakho.
I-Upstox iyaphucuka noko. Basanda kuqalisa ukupholisha iinkonzo zabo.
Iimpawu eziphambili ze-UpStox:
- Tyala imali kwi-CNC stocks kwiintlawulo zero
- Umrhumo ophantsi we-RS. I-20 ngokwentengiselwano ye-intraday (ngaphandle kwexabiso lentengiso)
Iqonga lisisiseko kakhulu, kodwa lintsonkothile. Banezicwangciso ezibini abanokukhetha kuzo.
Unokukhetha i-Upstox Basic okanye ePhambili. Isicwangciso esisisiseko siya kufuneka ukuba abasebenzisi bahlawule i-Rs 20 ngokurhweba nge-intraday ngelixa abasebenzisi abaPhambili baya kuhlawula i-Rs 30.
Abasebenzisi abaphambili bafumana inkxaso engcono kunye nomda ophezulu xa kuthelekiswa nesicwangciso esisisiseko.
I-Upstox inedeshibhodi entle kwaye itshati yemarike kulula ukuyifunda. Unokutyala imali kwiingxowa-mali ezidibeneyo usebenzisa iwebhusayithi okanye i-app.
Unokutyala imali kwiimveliso usebenzisa i-Upstox.
Kodwa awukwazi ukuthenga ii-ETF, ii-IPOs, okanye iiBond zeGolide eziPhakamileyo.
Akukho lula kangako ukuqalisa. Ideshibhodi ayincinci kwaye kukho ijagoni.
Inkxaso ibuthathaka. Kuya kufuneka ulinde ixesha elifanelekileyo ngaphambi kokuba ufumane impendulo.
Ke i-Upstox ngokuqinisekileyo ayisiyiyo yabaqalayo. Yeyabatyali-mali abanamava abafuna iqonga elitsha lokuzama izandla zabo.
Inye into ekufuneka uyiqaphele: I-UpStox iya kuhlala ikuhlawulisa umrhumo wokulungisa, okukhokelela ekubeni ibhalansi yokhuseleko lwakho ihambe kakubi ukuba awurhwebi rhoqo.
I-ICICI ngqo
Ngelixa i-ICICI Direct itshintshe umdlalo kubatyali-mali abaqhelekileyo kunye nohlaziyo oluqhubekayo kunye nokulula kokusetyenziswa, ayizange iyisombulule ingxaki yomtyali-mali ophakathi.
Nangona i-ICICI Direct ine-app, andiyibandakanyi kolu luhlu kwaye andiyicebisi kubatyali-mali bokuqala.
I-ICICI Direct app ayilula ukuyisebenzisa njengeZerodha okanye Khulisa.
Kodwa ukuba unayo i-akhawunti yebhanki ye-ICICI, bhalisela i-akhawunti ye-ICICI ye-3-in-1. Emva kokuba i-akhawunti yakho ivunyiwe, fowunela ibhanki yakho kwaye ubuze ukuba bangakwazi na ukurhoxisa iintlawulo zakho zonyaka kwaye banciphise imali yokurhweba.
Oku kuya kukuvumela ukuba wonge imali eyongezelelweyo kwintengiso kunye neentlawulo zonyaka.
Ndiyathemba ukuba uyifumene iapp yakho yotyalo-mali efanelekileyo kule post.
Ndingathanda ukucebisa ukuba uzame Khulisa okanye i-ETMoney kuqala kwaye ngokuthe ngcembe utshintshele kwi-Zerodha - Eli lelona qonga libalaseleyo elikhoyo ngoku.
Ukuba unayo nayiphi na imibuzo, babuze kwicandelo lokuphawula elingezantsi.
yash
Ngaphandle kwe-zerodha kunye nokukhula, yeyiphi elungele isitokhwe (ukuhanjiswa kuphela, akukho intraday), ngqo mf. Ngaba zombini zibonelela ngengxelo yenzuzo enkulu, ingxelo yorhwebo simahla?
Aayush Bhaskar
Zerodha! Akukho kuthelekiswa phakathi kweZerodha kunye nayiphi na enye i-brokerage ekuboniseni idatha ebonakalayo kunye nokunika ingxelo.
sejal jain
Hi Aayush,
enkosi ngophononongo lwakho rhoqo kunye neempendulo kwi-apps zeminyaka emitsha. Bendifuna ukuqonda ukuba ngokwembono yakho yintoni eya kuba yeyona nto ilandelayo kwindawo ye-fintech enokukhuphisana nayo - iZerodha kunye noKhula.
kukho iifintech ezininzi ezizama ukwenza uphawu lwazo kwesi sithuba. Ngaba iNgcebiso kwiTekhnoloji ingadlala indima ebalulekileyo ekuphazamiseni imarike?
izimvo zakho pls
Aayush Bhaskar
Hi Sejal,
Ngumbuzo omhle kakhulu lowo.
Ndinethemba elikhulu kunye nokuzithemba kwi-INDmoney. Baneqela elilungileyo kunye nobuchule bokuba yinto enkulu elandelayo kwiminyaka emihlanu ezayo. Ndibona usetyenziso oluninzi olwahlukeneyo olunokuthi luthathe indawo ye-Khulisa ebandakanya i-INDmoney.
Ndandinethemba elikhulu losetyenziso olubizwa ngokuba yiFirstStock xa ndandiqala ukuva ngabo, kodwa baye baphulukana nomkhondo ukusukela oko.
Kodwa iZerodha, azinakuthathelwa indawo yiyo nayiphi na i-fintech app nanini na kungekudala. Zilula, azikhathali malunga nabakhuphisana nabo kwaye zigxile kakhulu kubathengi babo. I-Smallcase iya kuthandwa kakhulu phakathi kwabatyali-mali abancinci xa ekugqibeleni beqonda ukuba ukukhetha isitokhwe ngaphandle kokutyala imali kwingxowa-mali eyohlukeneyo ngumngcipheko ekungekho mntu unokuwuthatha.
Andinalo ithemba kwiinkonzo zeNgcebiso.
Okokugqibela, ubukrelekrele beArtificial buya kuba yeyona nto iphambili kwindawo yeFintech. Naluphi na usetyenziso olusebenzisa i-AI kunye ne-ML ukunceda/ukucebisa abatyali-mali kunye nokunciphisa ingxabano phakathi kwabatyali-mali kunye nezixhobo zotyalo-mali kuya kuphumelela kakhulu.
Dalbir Singh
Kuhle ukufunda uhlalutyo lwakho olunzulu. Ndiyawubulela umsebenzi wakho.
Ngaphandle kutyalo-mali / ukuthengisa ii-apps, unokucebisa abacebisi botyalo-mali abangcono njengoPhando lweXabiso, uMtyali-mali oyiNkulumbuso okanye nabaphi na abanye entsimini.
Enkosi