Izibambiso zikarhulumente zezona ngxowa-mali zizinzile njengoko azinamngcipheko kwaye ziqinisekisa imbuyekezo esisigxina kutyalo-mali minyaka le.
Ikwaqinisekisa imbuyekezo epheleleyo yotyalo-mali lwenkunzi xa ibhondi karhulumente ivuthwa.
Ukomeleza ufikelelo kwezo zibambiso zikarhulumente, iNkulumbuso yaseIndiya isandula ukuphehlelela iRBI's Retail Direct Investment Scheme.
Esi sikimu sivumela abatyali-mali abancinci ukuba batyale kuzo zonke iintlobo zeebhondi zikarhulumente kunye norhulumente ophakathi kunye nembuyekezo eqinisekisiweyo.
Yintoni iSkimu esiNgqo ngokuThengisa?
I-Retail Direct Investment Scheme linyathelo likarhulumente wase-Indiya lokunceda abatyali-zimali bamashishini batyale imali kwizibambiso zikarhulumente ngokuthe ngqo, ngaphandle kokuphazamiseka.
Iibhondi zikarhulumente zingathengwa kwaye zithengiswe kwi-Intanethi.
Ubuncinci bemali yotyalo-mali kwiskimu esithe ngqo se-RBI yi-Rs 10,000 kwaye iphindaphindwe.
IziKhuseli zikaRhulumente oPhakathi, amatyala kaNondyebo, kunye neZibambiso zikaRhulumente zinokuthengwa phantsi kwesi sikimu kwi-intanethi.
Ekuphela kwento oyifunayo njengomtyali-mali kukuvula i-akhawunti yeRetail Direct Gilt kunye neBhanki enguVimba yaseIndiya.
Ubuninzi onokuthi utyale kwibhidi nganye phantsi kwesi sikimu zii-rupees ezimbini zee-crore.
Abathengisi bokuqala, iifemu ukuba ukuthenga iibhondi zikarhulumente ngokuthe ngqo kurhulumente kwaye emva koko bazithengise kubatyali-mali, kulindeleke ukuba beze nokuthenga nokuthengisa iikowuti kungekudala ukwenza abatyali-mali abathengisayo bathenge kwaye bathengise izibambiso zikarhulumente kwimarike yebhondi yesibini.
Ukwazisa iSkimu soTyalo-mali oluthe ngqo kwiMarike yaseIndiya
Ixesha lokuqala xa kukhankanywa esi sikimu kwakusemva ngoFebruwari 29021, phantsi komgaqo-nkqubo wohlengahlengiso wemali waseIndiya.
Nangona kunjalo, nge-12 kaNovemba, i-PM yase-Indiya yaphehlelela ngokusesikweni inkqubo, isithi “i-Retail Direct Scheme iya kunika amandla ekubandakanyeni wonke umntu kuqoqosho njengoko iza kuzisa abakumgangatho ophakathi, abasebenzi, oosomashishini abancinci kunye nabantu abadala ukonga okuncinci ngokuthe ngqo kunye nokhuseleko kwizibambiso zikarhulumente. ”
Ngaphambi kokuqaliswa kwesi sikimu esithile, abatyali-zimali bamaziko amakhulu, kuquka ngxowa-mali iinkampani, iinkampani zeinshorensi, iibhanki, kunye nemibutho efana nayo ibilawula kakhulu imakethi ye-Indian Bond. Oku akuzange kushiye indawo enkulu kubatyali-zimali abancinci abathengisayo ukuba bathathe inxaxheba ekubeni nesabelo kwibhondi karhulumente ngokwabo.
Nangona kunjalo, kunye nezibambiso zikarhulumente ezinikezela ngowona mthamo uphakamileyo kwimalike yengeniso esisigxina ngenxa yeempawu zayo ezingenabungozi, ikwayenye yezona zinto ziguquguqukayo ezinokuthi zivumele abatyali-mali abathengisayo ukuba bafumane ukuhamba kwemali rhoqo kulo lonke ixesha lotyalo-mali.
Kungoko, oku kuphehlelelwa yinto elindelwe kakhulu, engazukunceda urhulumente kuphela ngokunyusa imali kodwa nabatyali-mali abaya kufumana inzala eqinisekisiweyo kwaloo nto.
Yintoni iAkhawunti yeGilt yeRetail Direct yeRBI?
Bonke abatyali-zimali abafuna ukungena kwimarike yezibambiso zikarhulumente kwaye baxhamle izibonelelo ezihambelanayo bangakwenza oko ngokuvula nokugcina iAkhawunti yeRetail Direct Gilt yiBhanki enguVimba yaseIndiya.
Ngale akhawunti, banokutyala imali ngokuthe ngqo kwi-g-secs kwaye bafumane ukuvezwa kwi-RBI Retail Direct Investment Scheme.
Abatyali-mali baya kufumana ukufikelela kuzo zombini iimarike eziziiprayimari nezizisekondari.
Kwimarike yokuqala, baya kuthenga ngokuthe ngqo kwiBhanki yoMfumani yaseIndiya. Nangona, kwimarike yesibini, baya kukwazi ukuthenga izibambiso zikarhulumente kwabanye abatyali-mali ngexabiso lemarike eliqhubekayo.
I-akhawunti ye-RDG yenziwe ngokukodwa kwi-RBI Retail Direct Investment scheme kwaye ifuna kuphela amanyathelo ambalwa alula ukuba avulwe kwi-intanethi.
Bonke abatyali-mali ababhalisiweyo ababhalisiweyo banokufikelela kwi-primary g-sec ekhutshwayo kunye ne-Negotiating Dealing System Order Marching Systems (NDS-OM) ngokunjalo.
I-NDS-OM yinkqubo ye-elektroniki/ye-intanethi ye-oda yokulinganisa ehambelana ne-odolo kwimarike yesibini kwizibambiso zikarhulumente.
Ngokusebenzisa i-Akhawunti ye-Gilt ye-Retail Direct, umntu unokutyalomali kwiibhondi zorhulumente ophakathi, i-Government of India Treasury Bills, i-State Development Loans (SDLs), i-State Government Bonds, kunye ne-Sovereign Gold Bonds ngexesha elichaziweyo.
Okokugqibela, ukuba sithetha ngeenzuzo ngeAkhawunti yeGilt yeRetail Direct, iinzuzo zenkunzi ziya kubalwa kuzo zonke izibambiso ozibambeyo/ozirhwebileyo kunyaka-mali ukuba ukhetha ukutyala ngokuthe ngqo kwe-g-sec.
Nangona kunjalo, xa utyalomali/urhweba nge-Gilt mutual funds, inzuzo eyinkunzi iya kubalwa ngexesha obambe ngalo iiyunithi zengxowa-mali, kungakhathaliseki ukuba zingaphi iintengiso ezenziweyo ngexesha lolawulo lwesikimu.
Ngubani onokufaka isicelo seAkhawunti yeGilt ethe ngqo?
Iindidi ezintathu zabantu abafanelekileyo ukuba bafake izicelo zesikimu zezi:
- Ngokweskimu, bonke abatyali-mali abathengisayo bafanelekile ukuba babhalise kwiskimu kwaye bagcine i-akhawunti ye-Retail Direct Gilt. Kwakhona kufuneka babe nenombolo ye-akhawunti esisigxina (PAN), inombolo yeselula ebhalisiweyo, i-akhawunti yebhanki yokonga ye-India rupee, kunye nedilesi ye-imeyile esebenzayo ukuze bakwazi ukutyala imali nge-Retail Direct Investment Scheme.
- Umntu unokuvula i-akhawunti ye-Retail Direct Gilt mhlawumbi eyedwa okanye ngokudibeneyo nomtyali-mali wesibini othengisayo onokuhlangabezana nemigaqo ebekiweyo echazwe ngasentla.
- Umtyali-mali ongengomhlali we-Anu unelungelo lokutyala imali kwiibhondi zikarhulumente ukuba iinkcukacha zabo ziwela phantsi koMthetho woLawulo lwezoTshintsho lwangaphandle (1999).
Izibonelelo zotyalo-mali nge-Retail Direct Investment Scheme
- Esi sicwangciso siya kuvumela bonke abatyali-mali, abakhulu okanye abancinci, ithuba lokutyala imali ngokuthe ngqo kwizibambiso zikarhulumente kwaye bazuze okufanayo.
- Esi sikimu sisisombululo esisodwa sokuvumela abatyali-mali ukuba bangene kuzo zombini iimarike eziziimalike zokhuseleko eziziiprayimari nezesekondari.
- Kungekudala, i-NDS-OM iza kusungula inkqubo yeqashiso engaqhelekanga apho abatyali-mali abathengisayo baya kuvunyelwa ukuba barhwebe kwiindawo ezithile zokuthengisa, ezingayi kufuna i-chunk enzima yemali yabo etyalwe kwisixhobo esinye ngokwaso.
- Esi sikimu siza kuvumela abatyali-zimali ukuba barhwebe ngezibambiso zikarhulumente ngokokhetho lwabo, ngaphandle kwezithintelo.
- Izibambiso zikarhulumente azinamngcipheko kwaphela kwaye zibonelela ngembuyekezo eqinisekisiweyo kubatyali-mali.
- Iskimu siza kuvumela bonke abatyali-mali ukuba bavule baze bagcine i-akhawunti yokhuseleko karhulumente ngaphandle kweendleko ezongezelelweyo.
- Kukho ithuba lokuba abatyali-mali abathengisayo bafumane izibonelelo zerhafu ngokutyala imali kwizibambiso zikarhulumente ngqo.
Ungatyala njani kukhuseleko lukarhulumente ngesi sikimu?
- Yiya kwi RBI Retail Direct online portal kwaye uvule i-akhawunti yeRetail Direct kunye ne-RBI.
- Gcwalisa ifom ye-intanethi kwaye ungenise igama lokugqitha lexesha elinye olifumana kwinombolo yakho yeselula ebhalisiweyo
- Zibhalise ukuze ufikelele kwizibambiso zikarhulumente kwimarike yokuqala.
- Landela amanye amanyathelo aneenkcukacha ngakumbi owafumana nge-ID yakho ye-imeyile esebenzayo
- Nje ukuba ubhalise ngempumelelo, ungathenga iibhondi zikarhulumente kwimarike yokuqala ngokuthengisa amatyala aphambili okanye kwimarike yesibini ngokwayo.
- Iifandesi zeebhondi zibanjwa rhoqo ngooLwezihlanu ngumphathi wamatyala karhulumente, iBhanki enguVimba yaseIndiya
- Unokuhlawula ukuthengwa kweebhondi nge-UPI okanye izibonelelo zebhanki ezinikezelwa yi-portal.
- Isixa-mali sitsalwa xa isicelo singenisiwe
Ithini imeko yeebhondi zikarhulumente ngoku?
Kungoku nje, malunga nama-97 ezibambiso zikarhulumente ezingekahlawulwa ezine-tenure phakathi kweenyanga ezi-3 ukuya kwiminyaka engama-40.
Zonke ezi ziqinisekiso zidityanisiwe ukuya kuthi ga kwi-79 lakh crore rupees. Urhulumente ophakathi waseIndiya ujonge ukuboleka imali emalunga ne-12 lakh crore rupees ngokukhupha iibhondi zikarhulumente kubatyali-zimali bamaziko kunye nabathengisayo.
Ngokukhawuleza nje ukuba inkqubo isungulwe, kwabakho ukungena okukhulu kobhaliso kwisithuba seeyure ezimbalwa. Ubhaliso lwe-12,000 lwenzeka ngenxaxheba esebenzayo evela kubatyali-mali ababambe i-Sovereign Gold Bonds.
IiNzuzo zoTyalo-mali kwiMarike yeSekondari ngeSikimu soTyalo-mali lwe-RD
Iskimu esitsha sibonelela abatyali-mali ukuba bafikelele kwimarike yesibini, eyona nto uninzi lwabantu luyivuyela kakhulu. Oku kungenxa yokuba utyalo-mali lwentengiso yesibini luyaziwa ngokubonelela ngembuyekezo ephezulu ngexesha elifutshane.
Ngokufanayo, utyalo-mali kwizibambiso zikarhulumente ngokusebenzisa imarike yesibini kukwakho nabatyali-zimali abakwiminyaka emitsha ukuze bakwazi ukufumana imbuyekezo ebalulekileyo ngexesha elingephi.
Abatyali-mali banokufikelela kwi-portal yentengiso yesibini ye-g-sec ngokusebenzisa i-intanethi ye-intanethi ye-intanethi yokuthengisa. Isazisi esivela kwi-Clearing Corporation yase-India Ltd. siza kukhutshwa kumntu ngamnye otyala imali kwimarike yesibini.
Emva koko, umyalelo wokumatsha, kunye nezicelo ezithuleyo zinokufikelelwa ngabatyali-mali kwi-intanethi.
Abatyali-mali banokubeka, bathenge, kwaye bathengise iiodolo ngeakhawunti yabo yokuthengisa ngqo. Oku kuya kwenziwa emva kokuba bethumele imali ngenkqubo yokuhlawula nge-intanethi. Ukuya kwindawo yokuthengisa. Ubungakanani bokuba iakhawunti yakho ibambe ibhalansi ingasetyenziselwa ukuthenga nge-g-sec ngoko nangoko.
Ekugqibeleni, umtyali-mali unokuhlawula urhwebo ngokusekelwe kwi-T + 1, oku kuthetha ukuba usuku olunye emva komhla wokuthengiselana.
Ke, ngaba eli lixesha elifanelekileyo lokutyala imali kwizibambiso zikarhulumente ngoku?
Ngokuqinisekileyo unokujonga phambili ekuthengeni ibhondi ebambeleyo-ukuya-ekukhuleni ngexesha langoku, njengoko kulindeleke ukuba ikusindise kuguquguquko oluqhubekayo lwentengiso ukuya kwintengiso. Kuya kuba yinto efanelekileyo yokubheja kwabo bafuna imbuyekezo ezinzileyo kunye nokhuseleko lwenkunzi ngelixa betyala imali.
Nangona kunjalo, ekubeni iskimu sisanda kuqaliswa, ukulinda malunga ne-4 kwiinyanga ze-6 lixesha elifanelekileyo lokuhlalutya apho imarike ihamba khona kunye nendlela eqhuba ngayo.
Impumelelo yeskim seRBI Retail Direct Investments iya kuxhomekeka ekungabini namali kwezi bhondi xa umtyali-mali esiza ngaphambili ukuba ayithengise kwaye angakwazi ukuyithengisa ngexabiso lengeniso.
Okwangoku, nabani na okhetha le ndlela ithile ingqalileyo yokungena kwimarike yezibambiso zikarhulumente kufuneka aziswe kakuhle malunga nemarike kunye nazo zonke izinto ezinefuthe kwaye zihambise amaxabiso ezi ziqinisekiso.
Kukwacetyiswa ukuba kufundwe banzi malunga noko urhulumente aphezu kwaso, akwenzileyo, naceba ukukwenza, ukuze ufumane umbono wesikhundla sikarhulumente ngoku. Ukuba umtsha kutyalo-mali, ukuthatha uncedo lobuchule kuya kukunceda wenze izigqibo ezingcono nezilumkileyo zotyalo-mali.
Nanga amakhonkco asemthethweni kwi-RBI Retail Direct Scheme xa ufuna ulwazi oluthe kratya:
Shiya iMpendulo