Ukukunceda ukuba uqalise ngokukhawuleza, ndilungiselele olu luhlu lwe-fintech apps eIndiya. Zihlelwe ngokwamacandelo ahlukeneyo.
Kwicandelo ngalinye, ndiza kukhankanya i-fintech app/iqonga elilelona libalaseleyo kudidi.
Ngoba?
Kuba kukho amakhulu ee-listicles kwi-intanethi apho unokufumana amaqonga amaninzi acetyiswayo kutyalo-mali, ukonga, uphando lwentengiso, kunye nokunye.
Kodwa oku kwenza kube nzima kumntu oqalayo njengoko kudala ingxaki yokukhetha. Olu ayiloluhlu “lweNto endiyisebenzisayo”, akukhathaliseki nokuba ndisebenzisa ntoni na.
Endaweni yoko, olu luhlu kufuneka likuncede utsibe kwaye awuzukuba nexhala malunga nokuqhathwa, okanye ukhethe iqonga elingalunganga.
Olu luhlu lwezinto onokuzisebenzisa ukuba awuqinisekanga ukuba uphi na, ukuqala ngokutshala imali okanye ukugcina imali yakho.
Utyalo-mali kwi-Stock Market
Zerodha
I-Zerodha yeyona qonga ilungileyo lokutyala imali kwii-stocks. Akukho lula ukuyisebenzisa, kodwa ingcono kunalo naliphi na elinye iqonga lokuthengisa isaphulelo eIndiya.
UZerodha ngumthengisi wesaphulelo, owasekwa ngo-2010 nguNithin noNikhil Kamath. Ibiza umrhumo osicaba, nto leyo abayenza kuqala eIndiya. Ukuhanjiswa kwezabelo kusimahla kwaye akufuneki uhlawule nayiphi na imali yenyanga.
Ngeakhawunti yeZerodha, ufumana ukufikelela kumaqonga otyalo-mali amaninzi afana nala:
- I-Kite-i-app yabo yokuthengisa iflegi.
- Console - Ideshibhodi yolawulo lweofisi eneenkcukacha ezidityanisiweyo zeakhawunti, idatha yotyalo-mali, ukubanjwa, irhafu nokunye.
- Ingqekembe – Ngqo mutual fund investment app
- IVarsity – indawo enye yokufunda malunga nezezimali
Ikwakuvumela ukuba uqhagamshelene nee -apps zomntu wesithathu nge-API. NjengeTickerTape, ekuvumela ukuba uhlalutye izinto oziphetheyo ngaphandle kokufakwa ngesandla kunye simahla.
I-Zerodha ikwabonelela ngokurhweba kwempahla, iFutures, kunye Iinketho urhwebo, imiba yee-SGB, i-Currency Derivatives, ii-IPO, ii-Bonds, ii-ETF, kunye ne-equity margin nge- pledging shares.
Ikwadibanisa neeSmallCases. Iqonga apho amasheya adityaniswe kwisixhobo esinye sotyalo-mali esinokuthengwa njenge-asethi yokunciphisa umngcipheko kunye nokufumana imbuyekezo engcono kunebenchmark yecandelo.
IKite nguZerodha yeyona app igqwesileyo yokurhweba oya kuyifumana eIndiya. Ayikho enye iapp efana nayo. Ilula, kulula ukuhamba, ilayishwe ngeetoni zolwazi ukuphanda malunga nenkampani, indawo entle yokulandela umkhondo wokubamba kwakho, izikhundla, kunye nokunye.
Ukongeza, iZerodha ikuvumela ukuba uqalise ii-SIP kwaye wenze ii-backsets zesitokhwe. Njengawe tyala imali kwiMutual Funds ngezicwangciso zotyalo-mali zenyanga, unokwenza okufanayo kunye nezitokhwe usebenzisa iZerodha.
Utyalo-mali kwiiNgxowa-mali eziDityanisiweyo - Ngqo Yenze ngokwakho
khula
NgokuKhula, ungaqala ukutyala imali kwimali edibeneyo ngemizuzu. Yeyona app yam yotyalo-mali endiyithandayo kuyo yonke into endiyivavanyileyo ukuza kuthi ga ngoku.
I-Groww inomdla kakhulu kwaye yenza utyalo-mali lube mnandi, lube lula kwaye lungabinangxaki.
Akukho mali yokulungisa iakhawunti. Isimahla ngokupheleleyo. Abahlawulisi naziphi na iikomishoni ekuthengeni ingxowa-mali.
Ukukhula kwakhona kukuvumela ukuba utyale imali kwi:
- Izitokhwe zaseIndiya
- Izitokhwe zase-US
- Idijithali yegolide
- Iidipozithi ezizinzileyo
- bond
- I-IPOs
Kunye nokuninzi.
Unokuseta ii-SIP, utshintshe imali kunye nomhla nanini na ufuna, kwaye ugcine umkhondo wotyalo-mali lwakho lwangaphandle ngaphakathi kwe-Groww. Baneqela lenkxaso elisebenzayo neliluncedo kakhulu.
Lilonke, yeyona ndlela ilula yokuqalisa uhambo lwakho lotyalo-mali. Kwaye isimahla ngokupheleleyo.
Utyalo-mali kwiiNgxowa-mali eziDityanisiweyo - Ngqo Uncedile
ImaliJar
IMoneyJar liqonga endinokulicebisa kubasebenzi abaxakekileyo abarholayo. Okanye abantu abanqwenela nje ukuqala ukutyala imali yabo kodwa bengenalo ixesha okanye ukuthanda ukufunda imarike.
Yahluke njani iMoneyJar kwi-Groww?
NgeMoneyJar awenzi “ngokupheleleyo” izigqibo zotyalo-mali lwakho. Kukho inkqubo ekhoyo kunye neqela leengcali zokukunceda.
Kukho iibhasikithi zeengxowa-mali ezihlangeneyo (iimali ezi-2 okanye ngaphezulu ezidityaniswe njengesixhobo esinye sotyalo-mali) ezibizwa ngokuba ziiJars. Ezi Jars luhlobo lweenjongo ezisekwe kumnqweno wakho wokutya kunye nenjongo yotyalo-mali.
Iingqayi zakhiwe kwiinjongo zexesha elifutshane, ubundlobongela / ukugcinwa, iinjongo zexesha elide kunye nokunye. Iimali ezikwezi Jars zikhethwe ngononophelo ukuze zikunike ezona ziphumo zibalaseleyo ngexesha kwaye ngokomlinganiselo womngcipheko othathiweyo.
Elona candelo lingcono kukuba, benza uhlengahlengiso lwekota lweeJars zakho ukuba ziyafuneka. Ongayi kufumana simahla 99 kwi-100 amaxesha.
Kwaye, ukuba ufuna naluphi na ukhokelo okanye uncedo ngotyalo-mali lwakho, ungafikelela kwiqela le-MoneyJar kwaye baya kukunceda umntu-mntu.
Landelela lonke uTyalo-mali lwakho kwiDashbhodi enye
INDmali
I-INDmoney lusetyenziso olulolunye lohlobo. Ayikho enye iapp eIndiya ukuza kuthi ga ngoku, esondela kwinto enikezela ngayo.
Nge-app enye, i-INDmoney, unokulandelela lonke utyalo-mali olwenzileyo oluqhagamshelwe kwi-imeyile yakho kunye ne-PAN kwindawo enye. Izitokhwe zakho, iPPF, i-EPF, iakhawunti yebhanki, iingxowa-mali ezifanayo, i-NPS, ii-AIFs nokunye.
Ikwakuvumela ukuba utyale imali kwikhomishini yeengxowa-mali ezihlangeneyo-simahla, uthenge isitokhwe sase-US ngaphandle kokuhlawula iintlawulo zokuthunyelwa ngaphandle, kwaye utyale imali kwii-FDs ngaphandle kweakhawunti yebhanki.
I-INDmoney idibanisa utyalo-mali lwakho kunye namatyala, emva koko ibala ixabiso lakho eliseleyo. Naziphi na iimali-mboleko, ikhadi lamatyala amatyala onokuthi ube nawo athatyathwe kutyalo-mali lwakho kwaye oko kukubonisa ixabiso lakho eliseleyo.
Inomkhondo omkhulu wesitokhwe, okunika kwakhona ukuthenga / ukubamba / ukuthengisa iingcebiso (kuphela kubulungu obuhlawulweyo).
I-INDmoney ikwabonelela ngeenkonzo zeofisi yosapho.
Lilonke, ukuba ujonge ukudibanisa utyalo-mali lwakho kwaye utyale imali kwizitokhwe zase-US simahla, i-INDmoney ifanelekile ukuba uyijonge.
Ndibhale malunga ne-INDmoney ngokweenkcukacha apha. Ngapha koko, ndibhale eyona nxalenye ineenkcukacha kwi-INDmoney phaya.
Landela umkhondo weeMali zakho, uLondolozo kunye neeNkcitho
Isipaji ngabakwaBudgetBakers
I-Wallet yi-BudgetBakers yeyona app ibalaseleyo ye-wallet ngaphandle. Ndizivavanye ngokwenyani zonke ezinye ii-apps, ukusuka eWalnut ukuya eSpendee, kodwa zonke azibonakali zihambelana neWallet.
yiprojekti ngumcwangcisi wohlahlo lwabiwo-mali, iindleko/umkhondo womvuzo onxibelelanisa neakhawunti yakho yebhanki.
Emva koko ivumelanisa utshintshiselwano lwakho kwideshibhodi ecocekileyo necacileyo. Apho unokuhlela ngokuzenzekelayo intengiselwano nganye, yongeza ileyibhile, wenze iindidi eziqhelekileyo, imithetho yesiko, kwaye uchaze uhlahlo lwabiwo-mali.
Ezinye zeempawu zayo ezifana nemithetho ezenzekelayo zizodwa ngokupheleleyo. Ngalo lonke ixesha intengiselwano isenzeka, iWallet iya kuchaza ngokuzenzekelayo udidi, yongeza ileyibhile kwaye ilungelelanise uhlahlo lwabiwo-mali ngokufanelekileyo. Ungabona kwakhona uqikelelo lwexesha elizayo lweendleko zakho, ukusetyenziswa kohlahlo lwabiwo-mali kunye nokuhamba kwemali.
Yenziwe ngokwezifiso ngokupheleleyo, ngoko ke nantoni na oyifunayo kwi-tracker yeendleko / i-budger planner, i-Wallet kufuneka ikwazi ukuzalisekisa iimfuno zakho.
NeoBank
Fi.Imali
Zininzi ii-neobanks ezifika eIndiya. Kodwa enye ezenzele yona njenge-neobank ezinzileyo nethembekileyo yiFi.
I-Fi sisicelo esihle sabantu abangazithandi ii-apps zebhanki eziqhelekileyo kwaye bafuna i-akhawunti ye-balance balance ngaphandle kwemitya eqhotyoshelweyo. Apho unokwenza utshintshiselwano lwemihla ngemihla kwaye ungakhathazeki malunga neentlawulo, iintlawulo kunye nokunye.
Nge-Fi, ufumana yonke loo nkululeko kunye nokunye. I-Fi idibene ne-Federal Bank okuthetha ukuba imali yakho igcinwe kwi-RBI elawulwa yibhanki. Nangona kunjalo, ufumana usetyenziso olusebenziseka lula ngakumbi xa kuthelekiswa ne-Federal Bank's slow and grumpy app.
I-Fi ikwaza nezinto ezininzi, ezinje ngeZityalo zemali. Yeyiphi inkqubo yokuvuza apho ufumana izicwangciso zemali kwiintengiselwano ezithile kwaye wonge imali kwinjongo. Ufumana ikhadi lebhanki lasimahla, ukufikelela kwi-UPI, kunye nomncedisi we-AI otsala idatha yentengiselwano kwaye akuphendule imibuzo yezemali.
Ngoko ke, ukuba ukhangela indlela ebhankini ngaphandle kwemitya njengoko imele ukuba, ch
Credit Line App
ImaliTap
Qaphela - Ngaphandle kokuba ngokuqinisekileyo, ngokuqinisekileyo ufuna ukufumana umgca wetyala, ungawufumani.
Ukuba sele unamakhadi ambalwa okuthenga ngetyala kwaye awudingi mali ukuze ukhulise ishishini okanye uchithe imali kwinto enkulu kunemali engenayo oyaziyo ukuba uya kukwazi ukuyihlawula, sukuthatha umgca wetyala. .
Nangona kunjalo, ukuba usanqwenela, ndingacebisa ukuba usebenzise iMoneyTap.
IMoneyTap yeyona ndlela ilula yokufumana umgca wetyala. Ukhuphela ngokulula usetyenziso lwabo kwaye ugqibezele inkqubo yokukhwela.
Kwimizuzu embalwa, unokubona ukuba ungakanani umlinganiselo wetyala onokuwufumana, umlinganiselo wenzala uze uyitsale imali kwiakhawunti yakho yebhanki.
Unokufumana umda wetyala ukuya kuthi ga kwi-INR 5,00,000 kwiMoneyTap. Ukuhlawula imali-mboleko, ungakhetha ukubuyisela i-EMI.
Akukho mali yenyanga okanye intlawulo yonyaka. Ngaphezu koko, akukho mfuneko yokuba ubeke nasiphi na isibambiso – iMoneyTap ibonelela ngetyala elingakhuselekanga.
Bakwabonelela ngeKhadi elidityaniswe kumgca wakho wetyala elenza ukuba iMoneyTap isebenziseke ezivenkileni kwaye ngokuthe ngqo ekuthengeni i-e-commerce.
Paylater App
Sezzle
I-Sezzle ikuvumela ukuba uthenge kumawaka ewebhusayithi ze-e-commerce, ngaphandle kokuhlawula lonke ixabiso ngaphambili.
Endaweni yoko, ngeSezzle, kufuneka uhlawulele izinto ozithengileyo ngezavenge ezi-4. Intlawulo yokuqala ngexesha lokuthenga. Intsalela nganye kwiiveki ezi-2 zekhefu.
Unokuphuma ngokuthe ngqo ngeSezzle, akukho UPI okanye ikhadi. Ukuba utsiba izavenge okokuqala, akukho ntlawulo.
Ilula
Ukuba ujonge hlawula-kamva inkonzo ikakhulu yokuthenga imveliso yemihla ngemihla, njengokuodola kwiZomato, iSimpl lukhetho olungcono.
NgeSimpl, unokufumana umda wetyala ukuya kuthi ga kwi-INR 20,000. Enokuchithwa ekuthengeni i-e-commerce.
Uya kufumana i-bill kabini ngenyanga, rhoqo nge-15th day.
Ikhadi lokuthenga ngetyala elingeloBhanki
Slice
Isilayi mhlawumbi lelona khadi lilungileyo letyala lemillennials kunye nabasebenzisi beGeneration Z.
Likhadi lokuthenga ngetyala elingelobhanki. Intsingiselo, iSilayidi asinxulumananga nebhanki ebhalisiweyo ye-RBI, efana ne-ICICI, SBI njalo njalo. Endaweni yoko, basebenza njengenxalenye ebolekayo kunye neqabane ledijithali le-NBFCs.
Isiqwenga sibonelela ngekhadi letyala elivunyiweyo ngoko nangoko kuye nabani na nakubani na. Awudingi ukuba ne-ITR okanye nomsebenzi. Ukuba uneminyaka eli-18 kwaye awunakusilela kwimbali yakho yetyala, ungalifumana iSlice Credit Card.
Tyala kwi-US Stocks
Valiwe
IVested yeyona ndlela ilungileyo yokutyala imali kwi-US Stocks kunye ne-ETFs evela eIndiya. IVested ibambisene neDriveWealth ukuvumela amaIndiya ukuba athenge ngokuthe ngqo izabelo zeenkampani ezidweliswe kwiNew York Stock Exchange.
Akunyanzelekanga ukuba uhlawule naziphi na iikomishini zokusebenzisa iVested. Bakwanikezela nge "Vests" eyibhaskithi yepotfoliyo esekelwe kumngcipheko wokutya kunye namacandelo. Ivest nganye inezitokhwe ezininzi kunye nee-ETF zokunciphisa umngcipheko ngokuguqula utyalo-mali lwakho.
I-Vested inikezela ngentlawulo ephantsi yokurhoxisa kwaye ikhuselekile ngokupheleleyo.
Ukukhankanywa okuKhethekileyo- INDmali
I-INDmoney yenye iapp enkulu yokuqalisa ukutyala imali kwi-US Stocks. Nge-INDmoney ufumana ukufikelela kwi-akhawunti ye-Super Saver ukudlulisa imali kwi-akhawunti yakho ye-Brokerage yase-US ngaphandle kweentlawulo okanye iintlawulo zokuthumela ngaphandle.
Ngokunxulumana nebhanki ye-SBM, i-INDmoney ikwabonelela ngeyona INR ukuya kwireyithi yeUSD.
Ukuba ujonge phambili ekutyaleni imali kwii-ETF zase-US, uya kuyithanda into eyomeleleyo yophando lwe-ETF. Ikubonisa imbuyekezo enokubakho kutyalo-mali lwakho kwii-ETF ezikhethiweyo, ukubanjwa kwazo, kunye nokuthelekisa nezinye ii-ETF eziphantsi kodidi olufanayo.
Ukwafumana imbuyekezo ngokutyala imali kwizitokhwe zase-US nge-INDMoney.
Izixhobo zoPhando lweMarike
iTijori
I-Tijori mhlawumbi ineyona datha ibanzi / ibanzi yezemali malunga neenkampani zaseIndiya kunye ne-US ezidweliswe.
Nantoni na ongathanda ukuyazi malunga nesitokhwe esithile, iTijori inedatha yokuyiphendula. Kwaye imalunga nendlela abayizisa ngayo le datha, ngendlela ecacileyo, ecocekileyo nelula ukuyiqonda.
Tijori Finance ikuvumela ukuba uqhube uhlalutyo olunzulu kwii-stocks, uqonde apho inkampani ethile yenza imali eninzi, i-benchmarks, iigrafu ezibonakalayo kunye nohlalutyo olucacileyo lwemali, ukuchithwa kwamacandelo, kunye nokunye.
Ukufumana ukufikelela kwinqanaba ledatha iTijori ibonelela ngombono odibeneyo, kuya kufuneka udibanise ubuncinane izixhobo ze-7 ezahlukeneyo zemali. Ukongeza, kukugcinela ubunzima bokuhamba ngeengxelo zonyaka, uhlalutyo yobugcisa, uhlalutyo lweemarike, iincwadi, uhlalutyo lwecandelo, ukubiza nje ezimbalwa, kwaye ikuvumela ukuba wenze isigqibo esilumkileyo malunga nokuba yeyiphi i-stocks ukuthenga okanye ukuthengisa.
Iteyiphu yeTicker
I-TickerTape luhlalutyo lwesitokhwe kunye ne-screener esibonelela ngezixhobo ezininzi zokuhlalutya inkampani njengomtyali-mali.
Unokuhlalutya ixabiso lenkampani elingaphakathi, iirekhodi zemali, ukujonga ukuqikelelwa kwexabiso elizayo, ukukhula, ipateni yesabelo, imicimbi / iindaba, thelekisa iinkampani ezahlukeneyo kwicandelo kunye nokunye.
Kwaye, iTickerTape iza noluhlu lokukhangela impilo yesitoko.
Ungaphinda uhlalutye ii-ETF kunye neeNgxowa-mali ezihlangeneyo usebenzisa iTickerTape. Esi sesinye isixhobo ekufuneka usisebenzise njengosaqalayo.
Finology Ticker
Ukukhankanywa okukhethekileyo, iFinlology Tracker ayinakubonelela ngentelekelelo yexabiso elizayo, kodwa isesisixhobo esihle sokuhlalutya isitokhwe.
Enye yezona zinto zibalaseleyo zeFinology Ticker licandelo "Amandla kunye nobuthathaka". Ikubonisa iindawo apho inkampani isiya isomelela nalapho isilela khona. Olu lwazi ludla ngokuba luqilima kancinane ukulufumana kwaye ludibanise abaqalayo.
Ukuba ufuna ulwazi oluthe kratya, ungabhalisa kwiFinology ONE ekunika ukufikelela kwiingxelo ezininzi kunye nohlalutyo lwesitokhwe olwenziwa liqela leengcali.
Ezinye izixhobo eziluncedo zeFintech
EnKash
I-EnKash ingqina amashishini amancinci anekhadi letyala elingenanzala ukuze lisetyenziswe kushishino. Liqonga le-fintech leB2B.
Nje ukuba ufumane umgca wetyala we-EnKash, unokwenza amakhadi amaninzi abonakalayo kunye nawomzimba aqhagamshelwe kwiakhawunti yakho ye-EnKash kwaye uwasasaze phakathi kweqela lakho. Unokwenza ikhadi ngalinye kwaye ulawule ukusetyenziswa kwalo njengoko ubona kufanelekile.
Unokusebenzisa i-EnKash ukwamkela iintlawulo zeshishini lakho, uzenzele ulawulo lokuhamba kwemali, kwaye uyidibanise nesoftware edumileyo yokubala.
Hop
IHop, okanye iMoneyHop ibonelela ngesipaji/iakhawunti yokonga. Ikuvumela ukuba wamkele iintlawulo ezivela kumazwe ahlukeneyo, kuquka i-US, ngokuthe ngqo, ngaphandle kokuhlawula imali eyongezelelweyo yokuguqula.
IHop iza nekhadi ledebhithi, kunye neakhawunti yokonga imali eseleyo. Ukusebenzisa ikhadi likaHop debit, ungenza transactions forex ngaphandle kokuhlawula naziphi na iindleko.
Ukuba usebenzise intlawulo yehlabathi yePayoneer, cinga iHop njengenye indlela, kodwa ngaphandle kokulibazisa ekufumaneni imali kwiakhawunti yakho yebhanki.
Vula.Imali
I-Open.Money yi-neobank eyakhelwe amashishini. Ukunceda amashishini alawule iindleko zawo, iirhafu, ukubalwa kwemali, ukuhamba kwemali, kunye neeakhawunti ezininzi zebhanki kwindawo enye.
I-Open iza nekhadi le-VISA debit, ulawulo lwentlawulo, ukuqokelelwa kwentlawulo kunye nezinye iimpawu ze-e-commerce ezikuvumela ukuba ulawule icala lezemali leshishini lakho ngaphandle kokuhamba ngeetoni zamaphepha e-excel kunye ne-software edidayo yokubala.
Kwaye, iyayixhasa i-API ukuze uphuhlise usetyenziso lwesiko ukuze uqhagamshelane neakhawunti yakho eVulekileyo. Zimbalwa kakhulu ii-neobanks eIndiya ngoku ezibonelela ngeli nqaku.