Abantu abaninzi tyala imali kwi-RBI's Sovereign Gold Bond Scheme ngeebhanki ezifana, I-ICICI Bank kunye namanye amaqonga afana Zerodha.
Kwenzeka ntoni kukho iimeko ezimbini:
- Ufumana irisithi yokuqinisekisa kunye nesatifikethi sotyalo-mali seSGB.
- Ufumana irisithi yokuqinisekisa kodwa awusifumani isiqinisekiso sotyalo-mali.
Awusifumani isatifikethi seSGB xa utyala imali usebenzisa i-akhawunti yeDemat kwaye ukhethe ukubamba iSGB kutshintshiselwano.
Ngoba?
Kuba ubunini buyatshintshana kule meko.
Kanye ngendlela onokuthi ngayo thengisa isitokhwe okanye i-ETF kwi-BSE kunye ne-NSE yotshintshiselwano, ngoku unokurhweba nge-SGB ngokunjalo. Oku kunokwenzeka kuphela xa ukhetha ukugcina utyalo-mali lwakho lwe-SGB phantsi kwe-akhawunti yakho ye-Demat njengobambe kutshintshiselwano lwe-stock market.
Xa uthenga iSGB ngebhanki, efana ne-ICICI, ufumana ithuba lokunikezela ngesazisi seDP seakhawunti yakho yeDemat.
I-DP id inokufunyanwa ngokungena kwi-akhawunti yakho yeConsole. Emva koko uye kwiConsole> Iprofayile> Ulwazi lweDemat.
I-ID yakho ye-DP isetyenziselwa ukuqhagamshela iSGB yakho kwiakhawunti yakho yeDemat ukuze ukwazi ukuyirhweba nanini na ufuna.
Kodwa qaphela ukuba ii-transactions ze-SGBs azisebenzi njengezitokhwe kunye ETFs. Usenokungakwazi ukuzithengisa xa uzifuna kakhulu.
Kufuneka kuhlala kukho umthengi osebenzayo wayo nayiphi na i-asethi - kuyafana nakwii-SGB.
Ke, ngaba kufuneka ubambe i-SGB kutshintshiselwano njengendawo yokubamba?
Inzuzo kukuba ungayithengisa iSGB phambi komhla wokuvuthwa emarikeni. Kwakhona, usafumana inzala ye-2.5% ngonyaka.
Ukungalungi - akukho nto. Nokuba awukwazi ukuyithengisa, uya kuyifumana inzala kwaye xa ibhondi ivuthiwe, iya kukhululwa ngokuzenzekelayo.
Xa ungakhethanga ukubamba ii-SGB phantsi kwe-akhawunti yakho ye-Demat, uya kufumana zombini irisithi yokuqinisekisa intengiselwano kunye nesatifikethi sokukhutshwa kweBond yeGolide enguMongami.
Ndiyathemba ukuba esi sikhokelo sikuncedile.
Ukuba unayo nayiphi na imibuzo, undazise kwizimvo.
Igama loqhagamshelwano Sunil
Ndityale imali kwibhondi yegolide nge-24 kaJuni, umhla wokukhupha wawungowama-28 kuJuni. Ndithenge ngebhanki ye-ICICI kwaye ndinika i-dp id yerodha. Yi-20 kaJulayi ngoku. Nangona kunjalo ayidweliswanga kwidemathi yam. Ngaba yinto yokukhathazeka?
Aayush Bhaskar
Ukuba ungenise isazisi esichanekileyo, andiyi kuba naxhala. Ukuba akunjalo, kufuneka uqhagamshelane nebhanki kunye nedepo yakho yeDemat.