Bangaphi kuni onokuthiwa ngabazali bakho ukuba yiya ebhankini uyokufaka imali kwiakhawunti yakho yebhanki?
Ewe, ndiyakuva usithi "kutheni?".
Itekhnoloji kunye nezinto ezintsha zokuBhankisha zibutshintshile ubomi bethu kwaye zonke ziyashukumisa ihlabathi lemali kunye netekhnoloji, zichaza ngokutsha indlela esisebenzisana ngayo omnye nomnye ngokwemali.
Kwaye ayikaqali nokuqala.
Iibhanki kunye namaziko emali alungiselela isizukulwana esilandelayo sabathengi bedijithali ngokwamkela itekhnoloji entsha, efana ne-AI, ukufundwa komatshini, i-blockchain, kunye ne-chatbots.
Ngale njongo, basebenzisana neFinTech yokuqalisa ukujonga iindlela ezintsha nezintsha zokuphucula amava abathengi.
Kweli nqaku, ndiza kuphonononga zonke iimveliso ezibonelelwa yi-Niyo Solutions Inc. – iFintech ehamba phambili yaseIndiya, eyenza ukubhankisha kube lula kwaye kube krelekrele ngokubeka iakhawunti yakho yebhanki, utyalo-mali, kunye namakhadi entlawulo kwindawo enye.
Malunga noNiyo
Unyaka wokuqanjwa: 2015
Founders: UVinay Bagri kunye noVirender Singh Bisht
Abatyali-zimali abaPhezulu: I-Tencent, i-Social Capital, i-Horizon Ventures, i-Prime Ventures Partners, kunye ne-JS Capital
Inani labathengi: Ngaphezulu kwe-1.5 yezigidi zabaThengi
iimveliso: NiyoX, Niyo Global, Niyo Bharat, Niyo Imali
Ndiye ndajonga zonke iimveliso ezimangalisayo ezivela kwaNiyo.
Nalu uphononongo lwam lwe-Niyo kunye ne-NiyoX kunye nezinye iimveliso ze-fintech abazinikezelayo.
NiyoX (Kwaziwa ngokuba yi-NiyoX-Equitas)
Njengomntu weminyaka eliwaka ngokwam, ndiyayazi indlela ekunokucaphukisa ngayo xa ufuna ukuvula iakhawunti yebhanki, kodwa kuya kufuneka ukhethe phakathi kokuya kwisebe lebhanki ngokwakho okanye ukusebenzisa i-App ehamba kancinci.
Asonelisekanga yinkqubo yebhanki. Sikhalazela ukuba ibiza kakhulu, icotha kakhulu, kwaye ayinikezeli iinketho ezifanelekileyo ngokwaneleyo.
UNiyo ubambisene ne-Equitas Small Finance Bank ukwenza iNiyoX- iNeobank.
I-NiyoX izama ukusombulula ezo ngxaki ngokubonelela nge-akhawunti ye-2-in-1 ye-Neobank ejongene nokonga kwakho kunye notyalo-mali.
Ibonelela ngeAkhawunti yeBhanki eneekomishoni zero funds mutual kunye nenzala efikelela kwi-7% ngonyaka ekongeni.
Nazi ezona mpawu zibalaseleyo zeAkhawunti yeNiyoX:
- Uza kufumana i-akhawunti yogcino lweMali eyi-Zero ('akukho kugcinwa kobuncinci bebhalansi')
- Awuyi kuhlawula naluphi na uhlobo lwekhomishini ngelixa uthenga ngokuthe ngqo Iingxowa-mali ezifanayo ngeNiyoX ('0% Commission on Mutual Funds')
- Uvuka ukuya ku 7% Inzala * pa kwi Savings yakho
* 3.5% ukuya kuthi ga kwi-1 lac yeedola,
I-6% ngaphezulu kwe-Rs. 1lac ukuya kuthi ga kwi-Rs. 5 lacs,
Isi-7% ngaphezulu kwe-Rs. 5 lacs ukuya kuthi ga kwi-Rs. 50 lacs,
5.5% ngaphezulu kwe-Rs. 50 lacs
- Olunye lweempawu ezikhethekileyo endizithanda kakhulu kukuba unokukhetha uyilo kwiKhadi lakho leDebit elifanele uMntu wakho.
- Unokukhetha ukutyala imali ngokuzenzekela utshintsho olushiyekileyo ngalo lonke ixesha uchitha. Isistim iya kutyala ngokuzenzekelayo utshintsho olusecaleni xa luqokelela kwi-Rs. 100/-
- Ibonelela ukuya kuthi ga kwi-5 ye-inshurensi yeLakh egqunywe yi-DICGC, i-subsidiary ephethwe ngokupheleleyo ye-RBI.
- UnokuTshixa/Uvule ikhadi lakho okanye usete/uSete ngokutsha iPIN yekhadi lakho ngokwakho ngeApp.
- Enye into entsha kukuba unokufihla ibhalansi yakho kwiscreen kwi-Mobile App ngokushukumisa isandla sakho.
- I-NiyoX App iza neNkqubo yoMvuzo we-Equinox kwaye unokufumana umvuzo ngokuthumela abahlobo bakho.
Ezinye izinto ezimbini ezinomdla ezizayo kungekudala zezi:
- Ungangenisa kwaye ulandele ipotifoliyo yakho ye-Mutual Fund ngokulula kwi-portal enye ie NiyoX.
- Ungatyala imali kwi-FD kwaye ufumane iNzala enomdla.
Inye kuphela ingxaki endiyifumene kumava ngokubanzi kukuba I-NiyoX ayifumaneki okwangoku Iziqithi zaseAndaman kunye neNicobar, Arunachal Pradesh, Assam, Bihar, Dadra & Nagar Haveli, Daman & Diu, Goa, Jammu & Kashmir, Jharkhand, Lakshadweep, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Sikkim, Tripura, West Bengal & Eastern UP .
Isiqinisekiso: Iakhawunti yeBhanki yeDijithali kwimizuzwana eyi-100 usebenzisa iPAN kuphela kunye neAadhar ingummangaliso.
Ngoko i-NiyoX iguqula ubomi kwaye i-100% iyacetyiswa.
Ukongeza kuyo, kwixesha elizayo, i-Niyo inokusebenzisana kunye neebhanki ezininzi ukulinganisa kunye nokwandisa ukufikelela kwayo. Ngeenkcukacha ezithe vetshe, cofa Apha ukufumana ixesha kunye neemeko ze-NiyoX.
Cofa ngezantsi ukukhuphela i-NiyoX App kwaye uvule iakhawunti kwi-intanethi
Niyo Global
Ukuba uhamba phesheya rhoqo, ke ukuba nekhadi le-Forex kunokusindisa ubomi.
Ukuba nemali echanekileyo kubalulekile ngenxa yezinga eliphezulu olihlawulayo kwiinguqu. Kwaye, ukuphatha imali kuyo yonke indawo akulunganga - ilahleka ngokulula kwaye ibe ngumthwalo kwi-wallet yakho.
Amakhadi e-Forex anenzuzo yokukuvumela ukuba uguqule iimali ezininzi zibe yimali enye, ke akufuneki ujongane namakhadi ahlukeneyo ohambo lwakho lwamazwe ngamazwe.
I-Niyo Global likhadi elitsha elidala le-Forex eliza nenqwaba yeempawu ezenza ukuba ibe yodwa, ifikeleleke kwaye ibe ntle.
Kubafundi, u-Niyo usungule iKhadi le-Forex yomfundi eqwalasela iimfuno zomfundi ofunda phesheya. Cofa Apha Ezinye iinkcukacha.
Makhe sibone ukuba yintoni eyenza i-Niyo Global ibe ngaphezu kwamanye amakhadi e-Forex:
- Uya kufumana iKhadi leVisa kunye neentlawulo zero zokuphawula. Ngaba ayoyikeka? Nangona kunjalo, ndingathanda ukongeza ukuba imali yokutshintshiselana ngemali ye-Visa ye-1% iya kusebenza.
- Ungalayisha iakhawunti yakho nge-INR kwaye uchithe kumazwe angaphezu kwe-150.
- Imali eyongiwe kwibhalansi yeakhawunti yakho inokuya kuthi ga kwi-5% yembuyekezo ngelixa uhamba.
- Iimpawu ezifana ne-ATM Locator, iNkxaso yeNgxoxo, kunye ne-Live Currency Converter ziyafumaneka kwi-App.
- Eyona nto ndiyithandayo kukufikelela kwiiLounge ezahlukeneyo zeSikhululo seenqwelomoya kwihlabathi liphela. Oku kunemiqathango kwaye kuyahluka ngokweakhawunti yakho.
- Unga Tshixa/Uvule ikhadi lakho okanye usete/Usete kwakhona iPIN yekhadi lakho ngokwakho ngosetyenziso.
- Ibonelela ukuya kuthi ga kwi-5 ye-inshurensi yeLakh egqunywe yi-DICGC, i-subsidiary ephethwe ngokupheleleyo ye-RBI.
bendlela:
- Ukwamkelwa okuphantsi kwamanye amazwe afana neThailand, i-Indonesia, njl.
- Uphawu lokulayisha imali nge Ikhadi letyala ayifumaneki.
- Ukwamkelwa okuphantsi kwiinkonzo ezifana neeCabs njl.
Isiqinisekiso: Ngokungathandabuzekiyo, i-Niyo Global yimveliso emangalisayo elayishwe ngeempawu ezininzi, kodwa ndingacebisa ukuba uphathe elinye ikhadi le-forex ngokunjalo kwimeko yokwamkelwa okuphantsi kuyo nayiphi na indawo.
Phawula: Okwangoku, iintlobo ezimbini zeNiyo Global ziyafumaneka:
Niyo Global DCB kwaye Niyo Global SBM
Kukho umahluko omncinane kakhulu phakathi kwala makhadi mabini.
Unokukhetha ikhadi olithandayo. Ndiyigubungele i-Niyo Global SBM kolu hlaziyo.
Nangona kunjalo, ungacofa ngezantsi ukufumana ishedyuli yeentlawulo kunye nemigaqo nemiqathango yawo omabini amakhadi.
- Niyo Global SBM Migaqo nemiqathango
- Niyo Global SBM Uluhlu lweeNtlawulo
- Niyo Global DCB Migaqo nemiqathango
- Niyo Global DCB Uluhlu lweeNtlawulo
Niyo Bharat
I-akhawunti yomvuzo wedijithali luhlobo lomvuzo olutsha. Yeyaye nabani na onomsebenzi ohlawula ngeyure okanye ngemini.
U-Niyo Bharat unjalo, kodwa akukhona nje umvuzo; ikwasisicwangciso sokonga kunye nesicwangciso somhlalaphantsi.
Ngaphezu koko, inokusetyenziselwa ukubhukisha uhambo, ukuthumela imali kubahlobo nakwizalamane, ukuhlawula amatyala asetyenziswayo, ukuthenga izinto kwi-Intanethi, kwaye wenze nantoni na oqhele ukuyisebenzisela isipaji.
Iqonga le-Niyo Bharat lixhobisa abantu abangabhanganga eIndiya ngebhalansi enguziro kodwa iinkonzo zebhanki ezikhethiweyo ezinamandla.
Ndiyifumanisa iyinkqubo elula, eyoyikisayo, kwaye ekugqibeleni exhobisayo kumacandelo oluntu angagcinwanga kakuhle ngokwezimali ngokusebenzisa imifuziselo etsha yoshishino loluntu oluqhutywa liqela elingumzekelo elinobuchule bobomi bokwenyani.
Iimpawu eziphambili ze-zero-balance, ukusetyenziswa kwamahhala, kunye neqonga elisebenzisanayo - elinikwe uxhulumaniso lwedijithali kwinkqubo esekelwe kwikhadi.
Njengayo nayiphi na into entsha eIndiya, uNiyo Bharat wayenempikiswano ekuqaleni. Ngoku akukho ngxaki kuyo kwaphela. Abantu bayayithanda.
Nalu uluhlu lwezona mpawu zibalaseleyo zikaNiyo Bharat:
- Uza kufumana ikhadi elihlawulwa ngaphambili elisimahla elinguziro.
- Lelinye lawona makhadi akhuselekileyo kunye neeapps ezinokutshixa/ukuvula/ukuvala iinketho zekhadi.
- Iibhanki ezifana ne-ICICI, Ewe iBhanki, kunye ne-DCB ziye zasebenzisana no-Niyo Bharat.
- Enye yezona zinto ndizithanda kakhulu ngoNiyo Bharat kukuba ukhetho lweelwimi ezili-10 luyafumaneka kwi-App. Unokukhetha ulwimi olulungele wena.
- Ungajonga incwadi yokupasa, ukhuphele iingxelo zesiko, kwaye unyuse amatikiti enkxaso, zonke ngolwimi lwakho lwenkobe.
- Ungadlulisela imali kubasebenzisi beNiyo ngokucofa nje kube kanye.
Inye kuphela ingxaki endiyifumeneyo kukuba i-iOS App ye-Niyo Bharat isaza kuphuhliswa.
isigwebo: Okwangoku isetyenziswa ngabasebenzisi abangaphezu kwe-11 lacs kunye ne-9 amawaka eenkampani, i-Niyo Bharat yimveliso ezisa lula kunye nokungafihli. Amashishini amaninzi aqala ukwamkela imali yedijithali kule mihla, kwaye ukuba ungumntu othanda ukuthenga kwi-Intanethi okanye ukugcina imali ngalo lonke ixesha usenza ukuthenga kwi-Intanethi, u-Niyo Bharat ufanelekile ukujonga!
nqakraza Apha ukukhuphela i-Niyo Bharat App kwaye uvule iakhawunti kwi-intanethi.
Niyo Imali
Ukwenza kunye ukugcina imali liphupha kwabaninzi. Ukuba sisityebi akukho lula ngolo hlobo.
Kodwa, kukho imali kaNiyo yokuhlangula! I-Niyo Money sisixhobo sokulawula ubutyebi esikuvumela ukuba utyale imali kuyo imali ngqo mutual (MFs), ETFs, kunye esitokisini.
Nge-Niyo Money, ufumana i-Robo-ingcebiso kubaphathi bephothifoliyo beMF baseIndiya, kukunceda ukhulise imali yakho ubomi bakho bonke.
Kuvakala ukuba uyaphambana, kodwa u-Niyo Money ufuna ukushukumisa ishishini leengcebiso ngezezimali ngeqonga leengcebiso elixutyiweyo kunye nerobhothi. Usetyenziso lolawulo lobutyebi ludibanisa ubukrelekrele bokwenziwa nabacebisi babantu ukwenza "umxube wekamva."
Makhe sibone ezona mpawu zibalaseleyo ze-in-one utyalo-mali App ebizwa ngokuba yiMali kaNiyo:
- Ungatyala imali engaphezulu kwama-5000 kwiNgxowa-mali yeNgxowa-mali engahlawulwanga ngokupheleleyo.
- Unokulandelela ngokulula utyalo-mali lwakho lwexesha elifutshane kunye nexesha elide kwindawo enye. Iinjongo zexesha elifutshane yiyo nayiphi na imali ofuna ukuyijika kwaye uyichithe kwiinyanga ezili-12 ezizayo.
- Ngokucofa-Okunye kwiPotfoliyo Rebalancing, unokuzilungelelanisa ngokuzenzekelayo isabelo sakho se-asethi ukuze ilingane usukelo lwakho lotyalo-mali.
- Unako Ukuvula i-100% kwi-Intanethi Ukuthengiswa kwempahla iakhawunti engenangxaki kwaye kulula ukuyisebenzisa. Ukuvula iakhawunti yakho yokurhweba ngesitokhwe kwi-intanethi kuyakhawuleza kwaye kulula, kwaye unokuba phezulu kwaye uthengise ngemizuzu.
- Awunyanzelekanga ukuba uhlawule iiNtlawulo zokuvula i-Akhawunti ngeSicwangciso sokuThengisa esiFlethi sokuya kuthi ga kwi-R20 kurhwebo ngalunye. I-Niyo Money ibonelela ngeyona ntlawulo iphantsi ye-AMC kulo lonke ishishini!
Ezinye izinto ezimbini ezinomdla ezizayo kungekudala zezi:
- Unga tyala imali kwiZitokhwe zaMazwe ngaMazwe njengeAmazon, Google, njl.
- Ungatyala imali kwi-FD kwaye ufumane iNzala enomdla.
Isiqinisekiso: Ndicinga ukuba i-Niyo Money liqonga elikhulu le-intanethi labatyali-mali abafuna indawo yokumisa enye ukuze baqalise ngepotifoliyo yabo entsha yotyalo-mali. Iintlawulo zabo ziyakhuphisana kwaye inkonzo yabo yabathengi isebholeni.
Banikezela ngayo yonke into ukusuka kwisitokhwe ukuya kwiingxowa-mali, ngoko ukhetho lwakho lulinganiselwe kuphela yimalini ofuna ukuyityala. Kwaye okona kulungileyo kuko konke, bahlala bephumelele kuba banomqolo wakho kwaye bakhathalele ukukhusela imali yakho.
Ngeenkcukacha ezithe vetshe, cofa Apha ukufumana ixesha kunye neemeko ze-Niyo Money.
nqakraza Apha ukukhuphela i-Niyo Money App kwaye uvule i-akhawunti kwi-intanethi.
Ishishini lebhanki libone utshintsho oluninzi kumashumi eminyaka adlulileyo, kodwa kusengumngeni kwiinkampani ezincinci ukukhuphisana neenkampani ezinkulu.
U-Niyo ufuna ukuphula le miqobo, yingakho baye bakha inkonzo yokugqibela yebhanki kumashishini amancinci naphakathi. Nokuba ulawula iimali okanye ufuna uncedo ngokugcina iincwadi zakho zilungile, uNiyo unako konke.
Iinkonzo zeBhanki zeNiyo ziyilelwe ukukunceda ukuba ulawule iimali zakho kwaye wenze ezona zigqibo zezimali zingcono.
URuchi Sharma
Luluphi uphononongo malunga nokwamkelwa kweKhadi le-Niyox Forex e-USA?