Utyalo-mali kwimarike yemasheya lufikeleleke ngakumbi kuluntu ngokubanzi njengoko iglowubhu iye yafumana idijithali ngakumbi.
Abatyali-mali ngoku bangakwazi ukubeka iliso kwii-asethi zabo, izitokhwe kunye nezinto ezithengiswayo, kwaye baphuhlise ipotfoliyo eyahlukileyo kwii-smartphones zabo, ngenxa yokufika kwabathengisi be-intanethi kunye namaqonga otyalo-mali.
Abathengisi ababini abakwi-intanethi abaye bafumana ukuthandwa okukhulu eIndiya Zerodha kunye INDmoney. Ngelixa zombini ezi qonga zibonelela ngeenkonzo ezifanayo, zineempawu zazo ezizodwa kwaye zijolise kwiintlobo ezahlukeneyo zabatyali-mali.
Zerodha yeyona Broker yaseIndiya inkulu nethembekileyo kwi-intanethi, enikezela ngexabiso eliphantsi iqonga lokurhweba ngezixhobo eziphambili kunye neempawu. Kwelinye icala, i-INDmoney liqonga lolawulo lobutyebi elibanzi elibonelela ngokwabantu iingcebiso zotyalo mali kwaye ilawula ubomi bakho bonke bemali.
Kweli nqaku, siya kuthelekisa iinkonzo ze-akhawunti ye-demat ezibonelelwa nguZerodha kunye ne-INDmoney, kwaye sikuncede ukuba uthathe isigqibo sokuba yeyiphi iqonga elona lifanelekileyo kuwe. Ngoko, masingene ngaphakathi!
I. Isishwankathelo esifutshane seZerodha kunye ne-INDmoney
(i)Zerodha
I-Zerodha, eyona nkampani inkulu yezaphulelo kwi-intanethi yaseIndiya, iyiguqule indlela abantu abatyala ngayo imali kwimarike yemasheya.
Yasekwa ngo-2010 yi-duo eguqukayo ka-Nithin Kamath kunye no-Nikhil Kamath, i-Zerodha iqhayisa ngokuba nabathengi abangaphezulu kwe-1 crore kwaye inegalelo elingaphezu kwe-15% yazo zonke ii-odolo zokuthengisa eIndiya yonke imihla.
Umbutho, onekomkhulu lawo e-Bengaluru, uguqule icandelo le-stock brokerage.
Injongo ye-Zerodha kukuphelisa bonke abaphakathi ukuze wonke umntu afumane iinkonzo zemali ezifikelelekayo, ezikumgangatho ophezulu.
Ngeqonga layo elisebenziseka lula kunye neteknoloji yokusika, iZerodha yenze urhwebo lwesitokhwe iyafikeleleka kubantu abaninzi, ngaloo ndlela idemokhrasi kwimarike yemasheya yaseIndiya.
(ii)Imali
I-INDmoney ngumngeneli omtsha kwihlabathi lotyalo-mali kunye nolawulo lobutyebi eIndiya.
Yaziswa ngo-2019 kwaye sele iqokelele abasebenzisi abangaphezu kwezigidi ezisi-7 kwaye ifumana ukuthandwa ngokukhawuleza. Ngokungafaniyo nezinye ii-apps zotyalo-mali, i-INDmoney ingaphezulu nje kwe-app yotyalo-mali; yinkqubo yocwangciso lobutyebi bentsapho enceda abasebenzisi ukuba bacwangcise iimali zabo kwaye batyale imali yabo ngobulumko.
Ngokufikelela kwii-stocks ezingaphezu kwe-5000 kunye ne-6000 yeengxowa-mali ezifanayo, i-INDmoney inikezela ngeendlela ezininzi zotyalo-mali kubasebenzisi bayo. Yasekwa ngu-Ashish Kashyap, ishishini lizinze eGurgaon, eHaryana.
I-INDmoney ijolise ekulinganiseni ulawulo lobutyebi kwaye yenze ukuba ifikeleleke kubo bonke, kungakhathaliseki ukuba banolwazi kangakanani ngemali okanye amava.
II. Iintlawulo kunye neeNtlawulo
(i)Zerodha
Iintlawulo zokuvula iakhawunti:- Xa kuziwa kwimirhumo kunye neentlawulo, iZerodha ibonelela ngamaxabiso akhuphisanayo kwishishini lokuthengisa isitokhwe saseIndiya. Iintlawulo zokuvula i-akhawunti ye-intanethi ye-equity, i-F&O, kunye nemali I-200 INR, kwaye kunjalo I-300 INR kurhwebo lwempahla. Iintlawulo ngaphandle kweintanethi I-400 INR kwaye I-600 INR ngokulandelelana.
Iintlawulo zonyaka zesondlo:-Iintlawulo zokulondolozwa kwe-akhawunti okanye i-AMC zi 300INR + 18% GST ngonyaka, ebizwa ngekota, okt 75INR+ GST qho ngeentsuku ezingama-90 ezitsalwa ngokuzenzekelayo kwi-akhawunti yakho.
Iintlawulo zokuthengisa:- I-brokerage ayihlawulisi naziphi na iimali zokurhweba ngokulinganayo, kunye norhwebo lwe-intraday kunye nexesha elizayo, liyabiza. I-0.03% okanye i-20 / umyalelo, nokuba yeyiphi ephantsi. Umrhumo ocacileyo we I-20 INR ihlawuliswa ngokorhwebo ngokhetho.
Ezinye iintlawulo:- Ukongezelela, inkampani ihlawulisa iintlawulo ze-STT okanye i-CTT, iintlawulo zentengiselwano, iintlawulo ze-GST ze-18% (zihlawuliswa kuphela kwi-brokerage, i-SEBI, kunye nokuthengiselana), iintlawulo ze-SEBI ze-10 INR nge-crore value transaction, kunye neentlawulo zesitampu. Iintlawulo ze-DP ze-13.5 INR nge-scrip zihlawuliswa ekupheleni kosuku kungakhathaliseki ubungakanani bezabelo ezithengisiweyo.
I-Zerodha inikeza i-calculator enceda abathengi ukubala iimali zabo ezipheleleyo kunye neentlawulo ngokufaka ixabiso labo lokuthengiselana kunye nohlobo lorhwebo.
(ii)Imali
Ukuvulwa kweakhawunti kunye ne-AMC:- I-INDmoney inemodeli yamaxabiso elula necacileyo kwiinkonzo zabo zeakhawunti yedemat. Bona ungahlawulisi nayiphi na imali yokuvula i-akhawunti okanye iintlawulo ze-AMC enokuba lukhetho oluhle kakhulu lwabaqalayo ukugcina iirandi ezixabisekileyo.
Iintlawulo zokuthengisa:- I-INDmoney ihlawulisa i-brokerage elula ye-0.05% kwixabiso elipheleleyo lokuthengiselana, ukuya kuthi ga kwi-20 INR enkulu, kungakhathaliseki ukuba luhlobo luni lorhwebo.
Ezinye iintlawulo:- Ukongezelela, bahlawula iintlawulo zokuthengiselana nge-NSE kunye ne-BSE, iintlawulo ze-STT, iintlawulo zesitampu, kunye neentlawulo ze-SEBI ze-turnover ye-0.0001% kuzo zombini i-equity kunye ne-intraday trades.
Ukuthengiswa kokuhanjiswa, iintlawulo ze-DP ze-13.5 INR / i-scrip ziya kuhlawuliswa. Ngaphezu koko, abatyali-mali banenketho yokuguqula izabelo zabo eziphathekayo kwifom ye-dematerialized kwi-250 INR / isatifikethi, kwaye i-GST iya kusebenza kwezi ntlawulo ngokulandelanayo.
Lilonke, imodeli yamaxabiso ye-INDmoney inomtsalane kwaye iyenye indlela engabiziyo kakhulu kwabanye okhuphisana bamaxabiso kwimarike.
III. Amava e-UI
(i)Zerodha
Bobabini abaqalayo kunye nabarhwebi abaziingcali banokurhweba ngokulula kwaye batyale imali kwiZerodha ngenxa yoyilo olusebenziseka lula. Ideshibhodi icwangciswe kakuhle kwaye iqokelela zonke iinkcukacha eziyimfuneko kwindawo enye.
Ngaphandle kokukhangela kumacandelo abhidayo, unokuseta uluhlu lokubukela, kwaye ujonge iiodolo zakho, izikhundla, kunye nebhalansi yengxowa-mali kwindawo. Ngaphezulu kwe-70% yentengiselwano igqitywe kusetyenziswa i-app yeselula, ekwazi ngokulinganayo njengenguqulo yedesktop.
Isoftware inokuthi ilungelelaniswe nezinto ozithandayo, kubandakanya ukutshintsha phakathi kweendlela ezimnyama neziqaqambileyo. Unokuhlalutya izitokhwe ezininzi ngaxeshanye ngokuvula iitshathi ezine ezahlukeneyo kwiscreen ngaxeshanye.
Ungarhweba ngokulula kwaye ugxile kwimali yakho enkosi kujongano oluthe ngqo kodwa olusebenzayo.
(ii)Imali
Xa kuziwa kujongano kunye namava omsebenzisi we-INDmoney, kubalulekile ukuba uqaphele ukuba yahlukile kwiZerodha njengoko ingeyonto nje. app yokuthengisa.
Luninzi lwe-app yolawulo lobutyebi enikezela ngeendlela ezininzi zotyalo-mali olufana nezitokhwe, iingxowa-mali ezifanayo, i-inshurensi, icandelo letyala, kunye nokunye.
Nangona kunjalo, ukuba usebenzisa i-app kuphela ngeenjongo zorhwebo okanye utyalo-mali, kunokufuneka uchithe ixesha elithile uqhelana nojongano, olunokuthi lubhideke kancinci ngenxa yamacandelo ahlukeneyo.
I-app yahlulwe yaba ngamacandelwana ahlukeneyo afana ne-Indstocks, i-stocks yase-US, iimali ezihlangeneyo, i-Super Saver, kunye nokunye. Ukujonga izikhundla zakho kunye neentengiselwano, kufuneka ujonge kula macandelo ngamanye.
I-app ephathwayo iphantse yafana neqonga ledesktop kwaye ibonelela ngojongano olubanzi. Unokufikelela kwiividiyo ezifundisayo kwideshibhodi ukuze ufunde ngeendlela ezahlukeneyo zotyalo-mali.
Nangona kunjalo, ukuba ujonge nje iimfuno zorhwebo, uya kuchitha ixesha elininzi ngaphakathi kwecandelwana elinye okanye amabini ngaphakathi kwe-app. Nangona i-interface ixutywe kancinane, inika uluhlu olubanzi lweenketho zotyalo-mali, iyenza ibe yindlela enomtsalane kwabo bafuna izisombululo zolawulo lobutyebi.
IV. Iinketho zoTyalo-mali
(i)Zerodha
(a) Izabelo kunye nee-ETF
Zerodha ikakhulu yinkampani ethengisa isitokhwe ebonelela ngeendlela ezahlukeneyo zotyalo-mali kubaxumi bayo. Imveliso yayo ephambili, i-KITE, ibonelela ngeqonga elibonakalayo lokurhweba kunye notyalo-mali kwii-equity stocks kuzo zombini i-NSE kunye ne-BSE.
Ngezixhobo zayo zokurhweba ezinqamlekileyo kunye ne-interface ekulula ukuyisebenzisa, i-Zerodha ivumele abatyali-mali ukuba bathenge kwaye bathengise izitokhwe ngaphandle kwengxabano.
Ukukwazi ukutyalomali kwizitokhwe kuzo zombini iinjongo zorhwebo zexesha elide kunye nexesha elifutshane yenye yeenzuzo eziphambili zokhetho lwe-stock investment yeZerodha.
Ngelixa urhwebo lwe-intraday luvumela abatyali-mali ukuba bathenge kwaye bathengise izitokhwe kwangolo suku lunye, urhwebo olusekwe ekunikezelweni luvumela abatyali-mali ukuba babambelele kwi-equity ixesha elide. Ukujongana nee-ETF ze-indices ezahlukeneyo kuyenzeka nakwi-KITE app.
(b) IiNgxowa-mali zoMntu
Utyalo-mali lwengxowa-mali ehlangeneyo sisicwangciso esithandwayo nesilula sokwahlula ipotifoliyo yakho kwaye mhlawumbi wenze inzuzo. Xa kuthelekiswa neemali ezifanayo zemveli, i-app ka-Zerodha's COIN ibonelela ngeqonga elikhulu lokutyala imali ngokuthe ngqo ngaphezulu kwe-2000 yeengxowa-mali ezithe ngqo, ukonga ukuya kuthi ga kwi-1.5% ngonyaka kwimirhumo.
Ngokusekelwe kwiinjongo zakho kunye nenqanaba lokunyamezela umngcipheko, i-COIN inikeza ukhetho olubanzi lwezisombululo zengxowa-mali. Ukusuka kwi-cap enkulu, i-cap encinci, i-tax-saving, i-global, okanye ingeniso yemali esisigxina, i-COIN inakho konke.
Ubukho bezixhobo ezininzi kunye nolwazi olukuncedayo ekuphandeni nasekukhetheni eyona ngxowa-mali intle kwiimfuno zakho zotyalo-mali yiyo eyahlula i-COIN kwamanye amaqonga engxowa-mali. Unokugcina umkhondo wempahla yakho kwaye wenze ukhetho olulumkileyo ngokusebenzisa izixhobo ezilula ezifana ne-fund screener kunye a umkhangeli wepotifoliyo.
(c) I-F&O kunye neMveliso
Ikamva kunye noKhetho (i-F&O) kunye noRhwebo lweeMpahla kunokoyikisa kancinci kubaqalayo, kodwa ngeqonga le-Zerodha elisebenziseka lula, liba lula kwaye lifikeleleke kuye wonke umntu.
NgeKite, iSensibull, kunye neStreak, iZerodha ibonelela ngokurhweba ngokungenamthungo kweemveliso ezahlukeneyo ezifana nesinyithi, i-oyile, kunye nemveliso ye-agro kwi-MCX, kunye nekamva kunye nokhetho lwesalathiso kwi-NSE.
Isibheno sokurhweba nge-F&O kukuba unokuxhamla kuyo zombini xa imarike inyuka kwaye isihla.
Ngenxa yoko, kukho inkululeko eninzi kunye neentlobo ezahlukeneyo zokurhweba. Ukurhweba ngezinto ezithengiswayo kunika iindlela zokwahlulahlula izinto oziphetheyo kwaye mhlawumbi zikuveze kuluhlu lwamashishini.
(d) ii-IPOs
Ukunikezelwa koLuntu lokuqala, okanye ii-IPOs, yindlela entle kakhulu yamashishini ukunyusa imali ngokwazisa isitokhwe sawo kuluntu ngokubanzi. Ungawabamba amathuba kwangoko kwiinkampani zabantwana ngaphambi kokuba bazenze zibe nkulu kwimarike.
I-Zerodha ikuvumela ukuba utyale imali kwii-IPO ezizayo ngeKite app yayo, eyenza kube lula ukubeka iiodolo zakho phakathi kwe-10 AM ngosuku lokuvula kunye ne-4: 30 PM ngosuku lokuvala lomcimbi. Ungabeka ukuya kuthi ga kwiibhidi ezi-3 kwisicelo se-IPO, kukunika ukuguquguquka kokutyala imali ngokokhetho lwakho.
Ke ukuba ujonge ukutyala imali kwiinkampani ezintsha ezinomdla kwaye unokufumana imbuyekezo enkulu, utyalo-mali lwe-IPO kunye neZerodha inokuba yile nto uyidingayo.
(e) Izixhobo zeNgeniso eziZinzileyo
Kubantu abafuna ukhetho olukhuselekileyo lotyalo-mali, ukutyala imali kwizibambiso ezinengeniso esisigxina inokuba linyathelo lobulumko. Nge-COIN app yayo, i-Zerodha ibonelela ngeemveliso ezahlukeneyo zengeniso esisigxina, ezifana neebhondi zegolide kunye ukhuseleko lukarhulumente.
Kubatyali-mali abafuna ireyithi ephezulu yembuyekezo kunedipozithi emiselweyo kunye nokhuseleko olongeziweyo lotyalo-mali kwii-asethi ezixhaswa ngurhulumente, izibambiso zikarhulumente ziyindlela encomekayo. Ungatyala imali kwiibhondi zikarhulumente ezahlukeneyo, ezifana ne-GOI-dated bonds kunye ne-treasury bond, nanini na xa ibhidi ivula.
Olunye ukhetho lotyalo-mali oludumileyo lu Iibhondi zeGolide eziPhakamileyo (ii-SGB). Ezi bhondi zibonelela ngenzuzo eyinkunzi kunye ne-2.5% yenzala ngonyaka kweyakho utyalo-mali kwigolide yedijithali ifomu. Ungatyala imali kwii-ETF zeGolide, ezinokuthi zibe malunga ne-1% yentlawulo yeendleko.
(ii)Imali
(a) Izabelo zaseIndiya kunye nee-ETF
Utyalo mali kwizitokhwe zaseIndiya kunye nee-ETF akukaze kube lula nge-INDmoney! I-app ibonelela nge-akhawunti yedemo ekuvumela ukuba utyale imali kwizitokhwe kunye nee-ETF ezidweliswe kuzo zombini i-NSE kunye ne-BSE. Eyona nto ichukumisayo nge-Indmoney yindlela ehlela ngayo izitokhwe zaseIndiya - kukho iinketho zabatyali-zimali abathengisa ngokusekwe kumxholo, amandla obugcisa, izabelo, kunye nezitokhwe ezingqale kushishino.
I-app ikwabonelela ngezikrini ezahlukeneyo zokukunceda ukuba ucofe ngeendlela ezininzi ezikhoyo, ikwenza kube lula kuwe ukufumana utyalo-mali olufanelekileyo oluhambelana neenjongo zakho kunye nomdla wokutya womngcipheko. I-INDmoney ikwabonelela ngee-ETF zazo zonke izalathisi eziphambili zelizwe, ikunika ithuba lokwahlula ipotifoliyo yakho kunye nokunciphisa umngcipheko.
(b) IiNgxowa-mali zoMntu
Iqonga elipheleleyo elinikezelwa yi-INDmoney lenza kube lula kubatyali-mali ukuthenga, ukulandelela, nokulawula iiphothifoliyo zabo. Abasebenzisi banokufumana ingxelo yokusebenza, uhlalutyo lwexesha langempela lokusebenza kwabo, kunye neenkonzo zeengcebiso ezisekelwe kolo lwazi.
Iimali zokurhweba, iimali ze-equity ephezulu, iimali zetyala, iimali ze-hybridi, iimali zegolide, kunye neemali ze-liquid zimbalwa zezinye iindlela zokubambisana ezinikezelwa yi-INDmoney. Nayiphi na kwezi ngxowa-mali iyindlela eguquguqukayo nesebenzayo kubantu abafuna ukutyala imali kwi-mutual funds kuba abatyali-mali banokuqalisa izicwangciso zotyalo-mali ezicwangcisiweyo (SIPs) kuyo nayiphi na kuzo.
(c) Idiphozithi eZinzileyo
Utyalo-mali kwiiDipozithi eziZinzileyo inokuba yindlela ekhuselekileyo nefanelekileyo yokufumana imbuyekezo esisigxina kutyalo-mali lwakho, kwaye i-INDmoney yenza kube lula kunangaphambili. Ngedeshibhodi yediphozithi emiselweyo, ukulawula ii-FDs zakho akuzange kube lula.
Uyakwazi ukulandelela iphothifoliyo yakho yonke esisigxina kwaye ufumane ipesenti yembuyekezo ephakathi kutyalo-mali lwakho, zonke zisendaweni enye.
Kwaye, kunye ne-INDprotect feature, unokuqiniseka ukuba utyalo-mali lwakho luqinisekisiwe kwaye lukhuselekile. I-INDmoney ikwabonelela ngolwazi oluneenkcukacha malunga neenkqubo zediphozithi ezinzileyo ezibonelelwa ziibhanki ezahlukeneyo, kubandakanywa namalungelo engqesho, amazinga enzala, kunye nezixa-mali zotyalo-mali zincinci.
(d) Izabelo zase-US
INDmoney's Ukhetho lotyalo-mali lweZitokhwe zase-US yenye yezinto eziphambili eziyahlula kwezinye ii-akhawunti zedemat eIndiya. Nge-INDmoney, abatyali-mali banokufikelela kwii-stocks zase-US, kunye neemali zase-US kunye nee-ETF, kwaye bathathe inxaxheba kwiprogram ye-US Stock Rewards evumela utyalo-mali oluqhekekileyo kwizabelo zehlabathi.
Olu phawu lwenziwa ukuba lwenzeke ngeFinzoomers Services Private Limited kwaye lubonelela ngokufikelela kutshintshiselwano olukhulu lwase-US olufana neNASDAQ kunye ne-NYSE. Abatyali-mali banethuba lokuguqula iipotfoliyo zabo kumazwe ngamazwe kwaye mhlawumbi bafumane ukubonakaliswa kwamanye amaqumrhu aphezulu ngokukhetha olu khetho lotyalo-mali.
V. Iimpawu kunye neenzuzo
(i)Zerodha
- Ifestile yetshati ethambileyo enokuhanjiswa ngapha kwedesktop.
- Iitshathi ezininzi kwiscreen esinye ezinezalathi ezingaphezu kwe-100.
- Ukuguquguquka kwexabiso lexesha langempela.
- Iintlobo zee-odolo ezininzi, kubandakanya ii-odolo zesibiyeli, ii-odolo zasemva kwemarike, njl.
- Faka iiodolo kwitshathi ngaphandle kokuvala isikrini.
- Ukufikelela kwiitshathi ezilungileyo kakhulu-i-TradingView kunye neChartIQ.
- Ukubamba kunye neengxelo zelahleko yenzuzo ngeenjongo zokurhafiswa nokuhlalutya.
- Okusisiseko kunye uhlalutyo yobugcisa yesitokhwe ngokucokisekileyo phambi kokuba kutyalwe.
- Izilumkiso kunye nezikhumbuzi zokukwazisa xa ixabiso liwela amanqanaba okuthenga / okuthengisa kwangaphambili.
(ii)Imali
- I-AI inikwe amandla uhlalutyo lwesitokhwe Ukuqonda nzulu imivuzo, ingeniso, kunye nokuxabisa.
- Iifilitha ezinokwenziwa ngokwezifiso kunye nokhetho lokukhetha ukufumana izitokhwe ngokusekelwe kwiikhrayitheriya ezithile.
- Ukungakhethi cala kunye nenjongo yokuthenga kunye nokuthengisa iingcebiso ezisekelwe kwizibalo ze-AI.
- Ukulungelelaniswa kwakhona okuzenzekelayo kwepotfoliyo yengxowa-mali kusetyenziswa uphawu lwe-STP.
- Uqikelelo lomhlalutyi kunye neereyithingi ezivela kwiingcali zoshishino malunga nezigqibo zotyalo-mali ezinolwazi.
- Iinkcukacha ezinzulu zenkampani kubandakanya iiparamitha ezibalulekileyo.
- Urhwebo lwe-Intraday luyafumaneka kwingeniso ekhawulezayo.
- Ii-odolo zasemva kwemarike ziyafumaneka ngomrhumo we-10Rs. ngokomyalelo.
isiphelo
Emva kokuthelekisa i-INDmoney kunye neZerodha kwiinkalo ezahlukeneyo, kuyacaca ukuba zombini iiplatifomu zinamandla kunye nobuthathaka bazo. I-INDmoney iyiqonga elikhulu lokulawula imali kunye nokutyalomali kwii-stocks zase-US, kodwa xa kuziwa kwi-akhawunti ye-demat kunye nokuthengisa, i-Zerodha yinto engcono kakhulu.
Zerodha inodumo olusekwe ngakumbi kwihlabathi le-demat kwaye iqonga labo lijolise kubarhwebi abasebenzayo. Nangona iintlawulo zabo zinokubiza, iimpawu kunye neenzuzo abazinikezelayo zifanelekile.
Inkxaso yabo yabathengi igqwesile, kwaye banonxibelelwano olusebenziseka lula oluvumela ukurhweba lula kunye nokutyala imali.
Kwelinye icala, i-interface ye-INDmoney inokuba yinto entsonkothileyo, kodwa ibonelela ngobuninzi beempawu ezifana nohlalutyo lwesitokhwe se-AI-powered, ukulinganisa kwakhona iphothifoliyo ngokuzenzekelayo, uqikelelo lomhlalutyi kunye neereyithingi, nokunye okuninzi.
Shiya iMpendulo