Kudala ndiphonononga utyalo-mali olungadibanisi nentengiso ixesha elithile ngoku, kwaye uphando lwam luveze iinyani ezinomdla.
Ukwahluka kusoloko kungundoqo ekugcineni a ipotfoliyo elinganayo ngembuyekezo ezinzileyo.
Ukwahluka kwiindidi ze-asethi ezahlukeneyo kuqinisekisa ukuba utyalo-mali lwakho aluxhomekekanga ekusebenzeni kodidi olunye lwezixhobo zemali. Ke ngoko, xa olunye udidi lwe-asethi lungasebenzi kakuhle, utyalo-mali kolunye udidi lwe-asethi lunokonga imali yakho ekuphelisweni.
Apha kulapho ndadibana khona neGrip (GripInvest), ilizwe lamathuba otyalo-mali angekho kwimarike angaxhomekekanga ekusebenzeni kwemarike yemasheya.
I-Grip yandikhuthaza ukuba ndibone ngaphaya kweediphozithi ezisisigxina, izitokhwe, kunye igolide utyalo-mali ukuze ndifumane ulwahlulo oluzinzileyo lwepotfoliyo yam yotyalo-mali ngelixa ndifumana imbuyekezo entle.
Kodwa, ngaphambi kokuba singene kuphononongo lwam lweGrip, makhe ndazise amagama asisiseko endiya kuwasebenzisa kulo lonke inqaku.
Funda iziseko
INgxowa-mali yoTyalo-mali olulolunye
INgxowa-mali yoTyalo-mali olulolunye (i-AIF) ibhekisa kwisithuthi sotyalo-mali esisekwe njengengxowa-mali yabucala eyenziwe ngabatyali-mali abahlukeneyo abanamatikiti aphezulu. Abatyali-zimali abaphucukileyo badibanisa imali yabo ngezi AIFs kwaye bayityala kwizixhobo zemali ngaphandle amabhondi, isitokhwe okanye imali.
Ngokuqhelekileyo, iimali ze-hedge, iimali ze-venture capital okanye ii-private equity funds ziqhutywa ngee-AIFs. Ngokungafaniyo funds mutual, olu tyalo-mali alunxulunyaniswanga nentengiso kwaye ludla ngokulungiselelwe abantu abanexabiso eliphezulu elinemali eninzi yotyalo-mali.
Amathuba otyalo-mali anganxulumanisi nentengiso
UTyalo-mali oluNxulumene neMakethi zezo zixhobo zemali apho i-asethi esisiseko idityanisiwe kwimarike yemasheya.
Ngokomzekelo, ukuba ndityala imali kwiimali ezihlangeneyo ezidibanisa utyalo-mali oluvela kubantu abohlukeneyo ukuba batyale imali eqokelelweyo kwimarike yemasheya ukuze ndifumane imbuyekezo, idityaniswa nemarike.
Ngakolunye uhlangothi, ukuba i-asethi engaphantsi ayihambelani ne-stock market, ibizwa ngokuba amathuba otyalo-mali anganxulumananga nentengiso. Apha, utyalo-mali lwenziwa kwii-asethi ezifana ne-real estate, ukuqala okungadweliswanga, njl.
Yintoni iGrip?
I-Grip liqonga lotyalo-mali lwedijithali elisebenzisa iindlela eziqhutywa bubuchwephesha ukubonelela ngamava otyalo-mali agudileyo kubatyali-mali bazo zonke iintlobo.
Iimbono zeGrip kukugcina umtyali-mali njengomba ophambili ngelixa ecutha amathuba otyalo-mali ahlengahlengisiweyo. Nge ulwahlulo eyona nto iphambili, la mathuba otyalo-mali angadibanisi nentengiso anceda ekudaleni ubutyebi kubatyali-mali, nokuba bangakanani na utyalo-mali lwabo.
Emva kwenkqubo engqongqo yenkuthalo, iGrip iye yasebenzisana namaqabane angaphezulu kwama-70 ukudala la mathuba otyalo-mali.
Isebenza njani iGrip?
I-Grip yenza amathuba otyalo-mali angadibanisi nentengiso alula kakhulu kwaye akhuseleke.
Nantsi indlela endiqale ngayo ngeGrip:
- Ndidlule kwiqonga labo ukuze ndibone amathuba ahlukeneyo otyalo-mali. Oku kuqulathe izicwangciso zotyalo-mali ezininzi ezingezizo ezentengiso ezifana nezorhwebo izindlu ezithengiswayo, utyalo-mali oluxhaswa yi-asethi ukuze imbuyekezo ngetyala lenkampani nokunye okuninzi! Eyona nto ndiyithanda kakhulu ngeqonga leGrip yayikukuba ndibone iingongoma eziphambili zotyalo-mali, i-asethi esisiseko, kunye nembuyekezo engekapheli endinokuyilindela. Ndingakhetha ukuba ndifuna ukutyala malini kwaye phi. Grip iyenze yalula kakhulu kum ukuba ndiqonde amathuba otyalo-mali ngaphaya kwegolide kunye nesitokhwe.
- Ndaye ndagqiba i-KYC yam kwiqonga leGrip ngokusebenzisa inkqubo yedijithali ekhawulezayo nengenamthungo kwaye ndenze uphawu lwam lwe-imeyile ukuze ndiqalise. Inkqubo yentlawulo yayikwayimeko egudileyo kwaye ingenazinkathazo ngeendlela ezininzi ezikhoyo. Ngoku, bendikulungele ukonwabela izibonelelo zepotfoliyo yam eyohlukeneyo ngamathuba otyalo-mali angadityaniswanga nentengiso!
- Okulandelayo, ndityale imali kwezinye izixhobo zokufumana umvuzo osisigxina ezikhoyo kwiqonga leGrip ukufumana imbuyekezo yenyanga rhoqo. Ukhululekile ukukhetha kuluhlu olubanzi lweendlela zotyalo-mali ngokuqonda iingozi zabo kunye nembuyekezo. Njengomsebenzi wewashi, iimbuyekezo ezimiselwe kwangaphambili ezinxulumene nezixhobo zam zomvuzo osisigxina zifike kwiakhawunti yam yeGrip Vault. Ndingazifumana ngokulula nangokuthe ngqo ezi mbuyekezo kwiakhawunti yam yebhanki
Ngokuphehlelelwa kukaGrip ngo-2020, abatyali mali bamatikiti amancinci banikwa indlela entsha yokwenza utyalo-mali kwaye bafumane imbuyekezo efanelekileyo. Ukwahlukahlukana kwaba nentsingiselo entsha, kwaye iqonga leGrip elisebenziseka lula ngokukhawuleza latsala amehlo amaninzi.
Ngombono wokwenza idemokhrasi amathuba otyalo-mali angadibanisi nentengiso njengezixhobo zemali ezixhaswe yi-asethi, kubandakanywa ukuqeshisa izithuthi okanye ifenitshala, ukucofa kwizindlu ezithengiswayo kunye notyalo-mali ekuqaleni kwasekuqaleni.
IGrip Iyenza Njani Imali?
I-Grip ifumana ingeniso ngokuhlawulisa ikhomishini encinci kwiimbuyekezo. Okwangoku, ibiza malunga ne-2% ikhomishini kwimbuyekezo yenyanga ehlawulwa kubatyali-mali. Ke ngoko, iGrip ihlawulwa kuphela xa abatyali-mali behlawulwa. Bakwanayo ne-1% yentlawulo yokulungisa abayibiza kumaqabane abo abaqeshisa ngawo. Le modeli ingafihliyo inceda i-Grip ukuba ifumane intembeko yabatyali-mali kwaye ikhethe awona mahlakani abalaseleyo, aqhutywa ngokukhula.
I-Grip ilandela inkqubo ecokisekileyo yenkuthalo phambi kokubambisana nenkampani ukuqinisekisa ukhuseleko oluphezulu lotyalo-mali. Enye into endiyithandayo malunga neqonga leGrip yayigxile ekugcineni ukungafihli kunye nabatyali-mali.
Babonelele ngolwazi olunzulu ngalo lonke ithuba lotyalo-mali abalidalileyo. Oku kunceda abatyali-mali baqonde imveliso ngaphambi kokuba batyale imali kuyo, kunokuba bajonge kuphela imbuyekezo.
Iqabane ngalinye abasebenzisana nalo lineprofayili, kwaye imingcipheko, imigaqo yorhwebo, njl., igxininiswe kubatyali-mali ngaphambi kokuba bakhethe ukutyala imali.
Amathuba otyalo-mali angadibanisi nentengiso matsha ngokufanelekileyo, kwaye le ndlela yokugcina izinto elubala ngokupheleleyo ihamba indlela ende ekusekeni ukuthembana nabatyali-zimali.
Yahluke njani iGrip kwi-AIF?
IiNgxowa-mali ezizezinye zoTyalo-mali (ii-AIFs) zilawulwa yi-SEBI kwaye zahlulwe zibe ziindidi ezintathu, nganye ineseti ethile yemimiselo ekufuneka ithotyelwe.
Ubuncinci botyalo-mali olufunekayo kutyalo-mali kwi-AIF yi-Rs. I-1 crore, ethintela ukufikelela kwabatyalo-mali betikiti elincinci kwesi sixhobo esinomngcipheko ophezulu.
I-Grip ingene njengelinye iqonga lotyalo-mali, elibonelela ngamathuba otyalo-mali awodwa. Injongo yayo yayikukuqinisekisa ukufikeleleka kwazo zonke iindidi zabatyali-mali.
Amaqabane e-Grip kunye nee-AIFs ezibhalisiweyo ze-SEBI ukunceda abaqalisi abanengeniso yokunyusa inkunzi. IMukunda Foods, inkampani yeerobhothi zokutya enyuse inkunzi evela eZomato, yaba lelinye lamathuba okuqala akhoyo ngeqonga leGrip.
Uthe unephuli yotyalo-mali ye-2.5 lakh zimali, i-Grip ibeka abatyali-mali betikiti ezincinci bathathe inxaxheba kwi-ecosystem ekhulayo kunye nabatyali-mali abaphucukileyo, into i-AIFs ayinakuyenza ngokuzimeleyo.
Imingcipheko kunye neMvuzo yokubamba (izinto eziluncedo kunye nokubi)
iingozi
Iqonga ngalinye linomngcipheko walo. Owona mngcipheko mkhulu ngamathuba otyalo-mali angadityaniswanga nentengiso inokuba kukunqongophala kwemigaqo kunye nokunqongophala kolwazi malunga nesi sithuba.
Eminye imingcipheko ibandakanya iingozi ezinxulumene nemveliso nganye. Makhe sithathe ukurenta, umzekelo. Ukuba ndityala imali kwirenti ngeGrip, imali yam idityaniswa nabanye abatyali-mali ukuze batyale imali kwi-asethi efana nefenitshala, izithuthi, okanye izixhobo, ezithi ke ziqeshiselwe iinkampani.
Umngcipheko apha inokuba kukuba inkampani iyasilela ukwenza iintlawulo zokuqeshisa ngexesha okanye i-asethi ayinakufunyanwa kwakhona kwaye ithengiswe ukwenza ixabiso elishiyekileyo.
Ngotyalo-mali lokuqalisa, kukho umngcipheko ophezulu kunye nomvuzo ophezulu, oxhomekeke ekusebenzeni kokuqalisa. Ekubeni amathuba otyalo-mali angadibanisi nentengiso exhomekeke ekusebenzeni kwe-asethi esisiseko ukuze ibuyiswe, umngcipheko uphezulu kwaye awulawulwa.
Ngaphezu koko, xa uvuma ukutyala imali kwi-equity yokuqalisa nge-Grip, uyavuma kwakhona ukutyala i-INR 25,00,000 iyonke kwi-tenure ye-5 iminyaka ukususela kumhla owenza utyalo-mali lokuqala.
Ndincoma kakhulu ukufunda yonke ikota kunye nemeko yeGrip ngaphambi kokuba wenze naluphi na utyalo-mali.
imivuzo
Ngaphezulu kwe-26 ye-crores etyalwe ngabasebenzisi, irekhodi lomkhondo likaGrip alinayo into engagqibekanga ukuza kuthi ga ngoku. Bakhetha ngononophelo iinkampani emva kwenkqubo engqongqo yenkuthalo ukuqinisekisa amathuba ambalwa okusilela.
Ngaphaya koko, bacwangcisa utyalo-mali lwabo ngohlobo lokuba i-7.5% -15% yengqeshiso ithathwe njengediphozithi yokhuseleko.
Ukungena kumathuba otyalo-mali angadityaniswanga kunye nokubonelela ukufikelela kubatyali-mali bazo zonke iintlobo yenye yezona zinto zinkulu zeGrip.
- Isishwankathelo sezibonelelo ezahlukeneyo zotyalo-mali ngeGrip ziquka:
- Bazihlola ngononophelo ii-asethi ngaphambi kokuthatha utyalo-mali kuthi.
- Babhengeza imingcipheko kunye nemivuzo ngokupheleleyo kwaye bancede ukunika ulwazi malunga nendlela oluya kusebenza ngayo utyalo-mali.
- Badibana neenkampani ezithembekileyo ukuze banikeze imbuyekezo ekhuselekileyo nezinzileyo- kwaye baxela iprofayile yenkampani kubatyali-zimali.
- Utyalo-mali endilwenzayo luthathwa njengequmrhu elizimeleyo ngaphandle kokudibanisa kuyo nayiphi na enye imali. Oku kundinceda ukuba ndilawule apho utyalo-mali lwam luhamba khona.
- Iqonga labo elisebenziseka lula lenza uhambo lotyalo-mali olugudileyo.
- Bazibophelela ekugcineni idatha efana ne-PAN kunye ne-Aadhaar (efunekayo kwi-KYC) ikhuselekile ngokupheleleyo.
I-Grip iluncedo kakhulu kubatyali-zimali abatsha abafuna amathuba okufumana ingeniso. Iqonga labo elilula ukuhamba liphumelela zonke iingongoma ze-brownie kumava omthengi owanelisayo, ohamba ixesha elide ekusekeni ukunyaniseka nokuthembela.
Ngubani ekufuneka atyale imali ngeGrip?
Ubuncinci botyalo-mali lokuqeshisa okanye kwimveliso esekwe kwi-inventri yi-Rs. I-10,000 kwi-Grip. Iingqeshiso ziza kunye ne-2 yeminyaka emi-3 ye-tenure, kwaye uluhlu lwempahla luza ne-6 yeenyanga ze-tenure. I-Commercial Real Estate inika imbuyekezo ngekota kodwa ifuna ubuncinci botyalo-mali lwe-Rs. 1,00,000.
Kubalulekile ukuba abatyali-mali benze izigqibo ezizizo kuphela emva kokuqonda imingcipheko ebandakanyekayo kunye nokuba imbuyekezo ibandakanya ntoni na. Ukukhetha amathuba otyalo-mali angadibanisi nentengiso kufuna uphando olululo malunga nokuba zingoobani iinkampani kunye nalapho utyalo-mali lwakho luya kusiwa khona.
I-Grip yenzelwe ukubonelela abatyali-mali bamatikiti amancinci kodwa ihamba ngaphezulu nangaphezulu ngokufundisa abatyali-mali malunga neendlela ezintsha zotyalo-mali.
ukohlulwa yenye yeenjongo eziphambili zakhe nawuphi na umtyali-mali, kwaye ukuba nezixhobo ezininzi zezemali onokukhetha kuzo kwenza kube lula ukuba nepotifoliyo eyohlukeneyo.
Nangona kunjalo, ukukhetha ngononophelo utyalo-mali ngalunye kwipotfoliyo yakho kuya kunceda ekwandiseni ubutyebi ngendlela efanelekileyo.
Vishal
Molo, andifumani ubuncinci botyalo-mali lwe-25L kwigatya le-5yrs kwiphepha lemigaqo & nemeko yangoku, kukuba isusiwe. https://www.gripinvest.in/legal#termsAndConditions ?
Nceda uncede kwaye uhlaziye ulwazi ukuba luyimfuneko. Enkosi
Aayush Bhaskar
Isekhona, cofa kwi-StartUp equity phantsi kweminikelo esebenzayo.- https://jmp.sh/WCdi6Sx
Papu
Baye basilela amaxesha amaninzi, kodwa bahlawule kuphela xa befaka isikhalazo.
Aditya
Aba bafana baphume ngentengiso yasimahla yobhaliso lwe-ET Prime xa ugqibezela i-KYC yakho. Ngaphandle kokugqiba okufanayo, abakhange balandele kwiskimu. Oku kusemva kokuba ubathumelele i-imeyile. Ukuba abahloniphi i-R1000. iskim sonyuso, umntu akanakuze acinge ngokutyala imali ngabo.