Igolide lingenye yezimali ezitshaliwe ezidume kakhulu e-India, futhi abantu ezweni lonke balithatha njengensimbi eyigugu engasetshenziswa hhayi nje ngenani elikhuphukayo kodwa futhi njengesibikezelo esihle.
Njengoba yonke into ihamba ngokwedijithali, igolide selingenile nasemakethe ye-elekthronikhi, lapho ongathenga futhi udayise igolide kumapulatifomu edijithali ngaphandle kokuba umnikazi walo ngokoqobo.
Lokhu kukusiza ukuthi uzuze ekukhuphukeni kwezintengo zegolide futhi kuvule ithuba elibalulekile lokuhweba labahwebi ngokuphepha okukhulu nokungafihli lutho.
Njengoba izikhathi zishintsha futhi wonke umuntu eshintshela ekutshalweni kwezimali ku-inthanethi, akungabazeki ukuthi abantu manje baba nesithakazelo esikhulu ekuthengeni igolide ledijithali.
Kodwa uyithenga kuphi?
Ungabethemba laba badayisi abaku-inthanethi ngokutshala izimali zakho ezinkulu?
Ingabe igolide ledijithali lingokoqobo?
Ungakhathazeki.
Kulokhu okuthunyelwe kwebhulogi, sizosula konke ukungabaza kwakho mayelana negolide elidijithali futhi sibheke nezinhlelo zokusebenza ezingu-7 ezihamba phambili ongazithenga e-India.
Ngakho-ke, ake siqale ngaphandle kokuchitha isikhathi.
Iyini i-Digital Gold?
Ngaphambi kokwazi izinkundla lapho ungathola khona igolide ledijithali, kubalulekile ngokufanayo ukuthi uqonde kahle ukuthi liyini. Ngakho-ke, ngamagama alula, igolide ledijithali libhekisela empahleni yedijithali eklanyelwe ukulingisa izici zegolide eliphathekayo, njengokushoda, ukukhunta, ukuhlukana, nokuqina kodwa ekhona kuphela ngendlela yedijithali.
Ngokuvamile, igolide ledijithali liwuhlobo lwe-cryptocurrency olusekelwa izinqolobane zegolide ezibonakalayo noma olusebenzisa ubuchwepheshe be-blockchain ukuze kugcinwe incwadi yobunikazi esobala nehlukaniselwe indawo.
Manje, umbuzo olandelayo obalulekile uwukuthi, uthenga kuphi ngempela lokhu?
Ngezansi kunezinhlelo zokusebenza eziphezulu zokuthenga igolide ledijithali e-India.
1. I-Paytm
I-Paytm ingenye yezinkampani ezihamba phambili ze-wallet e-India, enabasebenzisi abangaphezu kwezigidi ezingu-300 emhlabeni jikelele. Eqinisweni, ingenye yezinkundla ezihamba phambili zezinsizakalo zezezimali zeselula e-India zokuthenga, ukuthengisa, nokugcina igolide ledijithali.
Inikeza inkundla evikelekile lapho amakhasimende angathenga khona izinhlamvu zemali zegolide ezibonakalayo noma ezibonakalayo esebenzisa amakhadi abo esikweletu/edebhithi noma ama-akhawunti ensalela asebhange ngaphandle kokukhathazeka ngezinkinga zokuphepha ezifana nokukhwabanisa noma ukugebenga.
Uhlelo lokusebenza futhi linikeza ukufinyelela okusheshayo ezintengo ezibukhoma ukuze abatshalizimali bakwazi ukulandelela kalula ukutshalwa kwezimali kwabo lapho besohambeni futhi basethe izexwayiso ezizenzakalelayo lapho imikhawulo ethile ifinyelelwa noma yeqiwe ukunyakaza kwentengo kunoma iyiphi indlela (phezulu/phansi).
Izici eziphezulu
- Thola igolide eliphathekayo lilethwe emnyango wakho
- Uhlelo lokuqongelela igolide
- 995 Igolide lezinga lokuhlanzeka
- Ayikho imali yokubeka
- 24×7 ukwesekwa kwamakhasimende nosizo
2. IfoniPe
I-PhonePe ingenye yezinhlelo zokusebenza ezinhle kakhulu uma kuziwa ezinkokhelweni ze-inthanethi. Nokho, kuphinde kube inkundla enhle uma ungathanda ukuthenga igolide ledijithali ku-smartphone yakho.
Ungathenga kalula igolide elimsulwa elingu-24K ngedijithali ngemizuzu nje embalwa. Ngaphezu kwalokho, ungakwazi ngisho nokuguqula igolide lakho elinqwabelene libe izinhlamvu zemali namabha ngohlelo lokusebenza ngokwalo.
I-PhonePe futhi inendawo yokuhlinzeka ngamalokha ebanga lasebhange amahhala ukugcina igolide lakho. Lokhu kusho ukuthi ungakwazi ukuphumula ngokuphelele ngemali oyitshalile.
Sekukonke, i-PhonePe iyinhlangano ejikelezayo engafeza zonke izidingo zakho uma kuziwa ekutshaleni igolide ledijithali.
Izici eziphezulu
- Imali efakwa ngokushesha ngemuva kokuthengisa igolide lakho
- Izinketho zokutshala izimali eziphephile nezithembekile
- Ngobuncane begolide obungu-0.5gms, ungakwazi ukuliguqula libe izinhlamvu zemali
- Imali encane yokulethwa
- Interface yomsebenzisi-friendly
3. 5 Phaya
I-5Paisa ingelinye lamapulatifomu ahamba phambili uma kuziwa ekutshalweni kwegolide elidijithali. Inikeza abasebenzisi indlela elula yokuthenga igolide elingokoqobo elingu-24-carat ku-inthanethi ngaphandle kwezindleko zokulethwa noma izinkokhelo ezifihliwe.
Inkundla ithembisa nokuletha igolide eliqinisekisiwe neliqinisekisiwe cishe ngobumsulwa obungama-99.99%. Lokhu kusho ukuthi ungathembela ku-5paisa uma uhlela ukubambelela etshalweni lakho legolide isikhathi eside.
I-5Paisa iphinde ihlose ukunikeza isiqinisekiso sokuphepha esingu-100% kubatshalizimali bayo futhi ngaleyo ndlela inamakamelo avikelekile futhi agadwe ukuze agcine igolide lakho.
Ukwengeza, banikeza izinkokhelo ezivikelekile nge-net banking noma debit/credit cards kanye nesici se-wallet esihlanganisiwe esivumela amakhasimende ukuthi agcine imali ngokuphephile ngaphakathi kohlelo lokusebenza ngokwalo ngaphandle kokuba nesidingo samasango okukhokha angaphandle njenge-PayPal noma i-Stripe.
Izici eziphezulu
- Ukuthinta okukodwa Ngena ngemvume ngezigxivizo zeminwe/FaceID
- Uhlu lokubuka olwenziwa ngendlela oyifisayo kanye nethikha
- Ukusekelwa Kwezilimi Eziningi Ezilimini Eziyisi-8 ZaseNdiya
- Thenga igolide ngama-Rs.50
- Ukuthengisa okungenazinkinga kanye nokufakwa kwezimali ngokushesha ku-akhawunti yakho yasebhange
- Ukuvula i-akhawunti esheshayo nomsebenzi ongenamaphepha.
I-4. I-Google Pay
I-Google Pay isanda kungena endaweni yegolide yedijithali ngokwethula isici sayo esithi 'I-Gold Savings Plan' lapho abasebenzisi bengatshala khona ezinhlamvu zemali ezibonakalayo ezisekelwa Igolide langempela eligcinwe ngokuvikelekile emabhange kulo lonke elase-India (i-HDFC Bank & I-ICICI Bank).
Ngesici Sohlelo Lokulondoloza Igolide le-Google Pay, amakhasimende angenza okungaphezu kokuthenga izinhlamvu zemali. Bangakwazi futhi ukuzithengisa noma nini futhi bathole izinga lemakethe lamanje kanye nenani lebhonasi elingu-10% isikhathi ngasinye lapho benza kanjalo. Lokhu kusho ukuthi uma amakhasimende ethenga izinhlamvu zemali ngalolu hlelo, anethuba lokuzithengisa kamuva futhi athole okungaphezu kwalokho abekukhokhele ekuqaleni.
Ngaphezu kwalokho, konke okwenziwayo kuvikelwa kusetshenziswa amakhodi e-UPI PIN, okwenziwa isiqiniseko sokuthi idatha yomsebenzisi ihlala iphephile ngenkathi enza nge-Google Pay App.
Izici eziphezulu
- Azikho izindleko zokusebenza
- Ukudluliswa kwesikhwama esisheshayo lapho kudayiswa
- Zero ukwenza izindleko
- Ukugibela okungenazinkinga futhi ubhalise
- Thenga igolide eliphansi njengo-Rs.1 nge-Google Pay
5. IJar lami
Ihlose ukuletha uguquko endaweni yokutshala imali yase-India, i-MyJar izama ukwenza ukutshala kube umkhuba, futhi okuwukuphela kwempahla lapho betshala khona izimali zabasebenzisi babo igolide ledijithali.
Ngamazwi alula, u-Jar uvala indlela osebenzisa ngayo imali futhi wengeza imali eyengeziwe kuhlelo lokusebenza. Manje, abasebenzisi bayacelwa ukuthi badlale igeyimu lapho benethuba lokuwina imali eyengeziwe noma ngisho nokuphinda kabili ukonga kwabo.
Ngemuva kwalokhu, uhlelo lokusebenza lutshala ukonga kwabasebenzisi kugolide ledijithali futhi linikeza izibuyekezo zesikhathi sangempela mayelana nembuyiselo yabo. Sekukonke, lolu hlelo lokusebenza luhlela ukugqugquzela intsha yezwe ukuthi yonge okwengeziwe futhi itshale izimali zayo empahleni engayinikeza imiphumela emihle.
Izici eziphezulu
- Abasebenzisi abangaphezu kwezigidi ezingama-10 abasebenzayo
- 24 karat 99.95% igolide elihlanzekile
- Ama-vaults asezingeni lomhlaba
- Thola igolide lakho lilethwe ezinyathelweni zeminyango yakho ngendlela yezinhlamvu zemali noma ubucwebe
- 100% izinkundla eziphephile nezivikelekile
6. Khula
I-Groww ingenye yezinhlelo zokusebenza ezihamba phambili zokutshala izimali e-India ezivumela abasebenzisi ukuthi bathenge futhi badayise igolide ledijithali. Uhlelo lokusebenza lunikeza indlela engenamthungo nengenazinkinga yokutshala igolide ngaphandle kwesidingo sokugcina impahla noma izinto zokuhamba.
Nge-Groww, abasebenzisi bangathenga igolide ngamahlelo amancane kusukela kokuphansi njengama-Rs. 10. Uhlelo lokusebenza lunikeza nohlu lwezinketho zokukhokha, okuhlanganisa i-UPI, i-net banking, namakhadi edebhithi/esikweletu. Ukwengeza, i-Groww iqinisekisa ukuthi igolide elithengwe abasebenzisi linomshwalense ongu-100% futhi ligcinwe kuma-vault avikelekile.
Uhlelo lokusebenza luhlinzeka ngezibuyekezo zesikhathi sangempela ngezintengo zegolide futhi luvumela abasebenzisi ukuthi bathengise igolide labo futhi bakhiphe imali ngokuqondile kuma-akhawunti abo asebhange. Sekukonke, i-Groww iyinkundla enokwethenjelwa futhi elula yokutshala imali egolideni ledijithali.
Izici eziphezulu
- Izindleko zokuvula i-akhawunti azikho
- Isikhombimsebenzisi esilula
- Thenga igolide ngamahlelo amancane ngesikhathi esivumelana nawe
- Awekho amaphepha aphathekayo
- Ukuthenga nokuthengisa igolide elidijithali ngaphandle kokuhlupheka
7. IsiTanishq
Omunye wabadlali abakhulu bobucwebe emakethe yaseNdiya, i-Tanishq iphinde inikeze igolide ledijithali kumakhasimende ayo.
Ungathenga igolide elihlanzekile lama-karat angu-24 ngeplathifomu yawo esebenza ngale, ngemikhiqizo enikwa amandla yi-SafeGold.
Tshala imali ephansi njenge-Rs. 100 noma okuningi njengoba ufisa!
Igolide ledijithali lika-Tanishq lingashintshwa kuzo zonke izitolo ezingama-350+ e-India, lapho ungalithenga lisesimweni salo somzimba.
Uma uthenga igolide ledijithali nge-Tanishq, awudingi ukuthwala noma yiziphi izimali zokukhiya njengoba igolide ligcinwa ngokuphephile ngaphandle kwezindleko ezifihliwe. Ipulatifomu ikuvumela ukuthi uthenge noma uthengise igolide nganoma yisiphi isikhathi ngokuchofoza okumbalwa kuphela!
Ukwesekwa kwabo okuqinile kwamakhasimende kuqinisekisa ukuthi awulokothi ubhekane nezinkinga ngenkathi utshala igolide ledijithali ngokusebenzisa inkundla yabo.
Futhi lokho ukugoqa!
Sekukonke, zonke izinhlelo zokusebenza ezishiwo ngenhla zinhle uma ubheke ukuthenga igolide ledijithali ezweni.
Nokho, kukhona ukuphakama nokwehla okuthile kuzo zonke zalezi zinhlelo zokusebenza, futhi kukuwe ukuthi ukhethe leyo efana nezidingo zakho eduze.
Imithetho ye-RBI yokutshala imali kugolide ledijithali
Njengoba imakethe yegolide ingangeni ngaphansi komkhakha wezezimali othize, ihlezi isendaweni empunga, inohlelo lokuzilawula lokucwaningwa kwamabhuku olunomshini wayo wokukhuthala.
Kusukela manje, igolide linikezwa futhi ligcinwe izinkampani ezinkulu ezi-3, i-Augmont Goldtech, i-MMTC, i-PAMP India, ne-Digital Gold India.
Ngaphezu kwalokho, uhulumeni unikeza futhi I-Sovereign Gold Bonds ezakhamuzini zayo, okuyizokuphepha zikahulumeni ezitholakala ngamagremu egolide.
Zisebenza njengengxenye efanelekile yokubamba igolide ngokoqobo, futhi ukuhweba kwenziwa ngokwenani elimiswe ngegremu ngalinye nguhulumeni omkhulu.
Iqhaza le-SEBI emakethe yegolide yedijithali
Muva nje, i-SEBI ihlongoze uhlaka lapho kuzomiswa inkundla yegolide yedijithali/ukushintshisana ukuze kuqinisekiswe ukuhweba okungenazihibe kwegolide ngendlela yakhona ye-elekthronikhi. Kuze kube manje, imakethe ye-e-golide ibingalawulwa yi-SEBI, futhi iyalele abathengisi asebebhalisile ukuthi bakhansele ukuthengiswa kwe-e-golide kuze kube yileso sikhathi.
Lo mthetho wenzelwe ukukhuthaza indlela esobala yokutholwa kwentengo yendawo emakethe.
Ikusasa elibheke ekuhwebeni okusha kwamabala egolide
Ngokukhula kwesidingo sabatshalizimali segolide, i-SEBI igunyaze imihlahlandlela yayo yokuletha ukuhwebelana kwegolide okuzinikele ngokuphelele.
Lokhu kuzohlinzeka ngezimali, ukutholwa kwentengo, nokuqinisekiswa kwekhwalithi yokuphepha kanye nendlela yokuhweba esobala. Lokhu kuzoholela ekwakhiweni kwesakhiwo samanani sikazwelonke sensimbi ephuzi ezoqhudelana ngokuqondile nama-SGB, ama-ETF Egolide, namanani egolide edijithali.
Amathuluzi adayiswa kulokhu kushintshaniswa kwamabala egolide okusha abizwa ngokuthi Amarisidi Egolide E-elekthronikhi noma ama-EGR, futhi zonke izimakethe zamasheya ezaziwayo zizokwazi ukwethula leli thuluzi elisha emakethe.
Izinto okufanele uzikhumbule mayelana nama-EGR
- Kuzosetshenziswa i-GST ekuguquleni ama-EGR abe yigolide eliphathekayo.
- Uma ufisa ukugcina Igolide eliphathekayo ngama-EGR, izintengo zizoba phezulu kunalokho okunikezwa amalokha asebhange.
- Ukuguqula ama-EGR kuzovunyelwa kuphela ngemva kokuba okungenani unenani legolide elingu-50 amagremu kufomu le-EGR
- Abathengisi bazovunyelwa ukuthi baqongelele igolide ngaleli fomu.
- Ama-EGR azoba nesakhiwo sentela esifana nama-ETF
- Ama-EGR kuthiwa anoketshezi oluningi kunama-ETF
- Abahlinzeki begolide bazokwazi ukusebenzisa ama-EGR ukuze basekele igolide abanalo.
Isiphetho
Kube nezichibiyelo ezimbalwa ezenzekayo mayelana negolide ledijithali kanye nokuba khona kwalo emakethe yezezimali yase-India.
Nokho, kuphela okuhle. Ukuqinisekisa ukuthi abatshalizimali abadayisayo baphephile.
Izindlu ezimbalwa zokugqekeza ezifana Khula bayekise ukutshalwa kwezimali kugolide ledijithali ngenxa yezizathu ezifanayo. Kodwa kusekhona ezinye izinkundla ezikuvumela ukuthi utshale imali kwenye yezinto ezifunwa kakhulu ezweni - insimbi ephuzi.
Ngamagama angu-5 aphezulu esixoxile ngawo, kufanele uqiniseke ukuthi ungatshala ngaphandle komthungo ku-e-golide ngaphandle kokukhathazeka ngesitoreji, ubumsulwa, noma ukushintshanisa okufanayo.
shiya impendulo