Njengoba i-India isondela ekubeni amandla amakhulu kwezomnotho, abatshalizimali baya ngokuya bezingela enye indlela yokutshala imali. Lokhu kutshalwa kwezimali kungaphandle kwemvelo yokutshala imali evamile, okukusiza ukuthi ukhulise iphothifoliyo yakho futhi uvikele imali yakho enkulu ekwehleni okungenzeka kwezezimali.
Enye imali yokutshala imali iyithuluzi lezezimali elikhethekile elithola ukuduma ngokushesha embonini yezezimali yase-India.
Ngokukhula kwezinxushunxushu ezimakethe, amanani enzalo akhuphukayo, ubunzima, kanye nokuntula ukholo ezimpahleni nasezimakethe ezisohlwini olusesidlangalaleni, abatshalizimali baphendukela kokunye ukutshalwa kwezimali njengendlela yokutshala imali enenzuzo.
Okunye ukutshalwa kwezimali yizikhwama zokutshalwa kwezimali zangaphandle noma zasekhaya ezihlelwe ngasese njenge-LLP, inhlangano yebhizinisi, ibhizinisi, noma i-trust. Kalula nje, kuwukutshalwa kwezimali ezinhlotsheni zezimpahla, ngokungafani namabhondi, amasheya, nemali, ezingabonisi iziqongo nezigodi zemakethe evamile.
Okunye ukutshalwa kwezimali kungakusiza ukuthi unwebe amaphothifoliyo akho kuyilapho ugcina ubungozi bakho buphansi kunezikhwama zendabuko. Kuyindlela elula yokuthi abatshalizimali bokuqala baqalise, futhi ayikhawulelwe kubantu abanenani eliphakeme noma amabhizinisi.
Kulesi sihloko, ngizoxoxa ngezinkundla eziyi-9 ezingcono kakhulu zokutshala imali e-India ongazisebenzisa namuhla ukuhlukanisa ukutshalwa kwezimali kwakho. Kodwa okokuqala, ake siqonde ukuthi iyiphi enye indlela yokutshala imali.
Ake sibheke ezinye izinkundla zokutshala imali ezingu-9 ezihamba phambili eNdiya.
I-Grip Invest
I-Grip Invest kungaba ithuluzi lokutshala izimali eliwusizo kuwe uma wesaba ukuthatha ubungozi.
Sonke sifuna ukutshala imali futhi sizuze izinzuzo ezinhle, kodwa iningi lethu liyangabaza ngoba lesaba ukungaqiniseki kwale makethe.
Isici esihlukile esenza ukuthi i-Grip itshale imali ihluke ukuthi ayixhumene nemakethe. Ngakho-ke, isebenzisa indlela eyingqayizivele ehlola ubungozi egameni lakho futhi iqinisekise ukuthi uthola izinzuzo ezinhle.
Ngokungafani nezinye izinkundla zokutshalwa kwezimali kwempahla, inzuzo oyithola lapha ishintshiwe ngobungozi.
Imikhiqizo yokutshala imali ehlinzekwa ngabakwaGrip yile:
- Izibopho zebhizinisi
- Ukuqasha ngezimali
- Inventory Finance
- Ukutshalwa kwezimali kokuqala
- Ukuxhaswa ngezimali kwezindawo ezithengiswayo
Inzuzo isukela phakathi kuka-8% kuya ku-21% ekutshalweni kwezimali okuxhaswe yimpahla. Uma kuqhathaniswa, ukutshalwa kwezimali kokuqala akunayo i-return cap futhi kusebenza ngezindlela ezinobungozi obuphezulu bemivuzo.
Nge-Grip, ungatshala imali ekuqashiseni, ekuthengisweni, ukuthengisa izindlu, kanye nezitoko zokuqala. Inikeza ulwazi oluningiliziwe mayelana nokutshalwa kwezimali okukhethayo, okuhlanganisa izivumelwano zayo zebhizinisi, imbuyiselo, ubambiswano, amaphuzu avelele otshalomali, kanye nezingozi ezingaba khona.
Ungatshala ku-Grip ngenani elincane lokutshala imali elingu- ₹10,000 emikhiqizweni yokuxhasa ngemali, kuyilapho kuzodingeka ufake isamba esingu- ₹2,00,000 uma ufuna ukufaka ingxenye yayo yokuqala.
Okungithakaselayo ngeGrip invest inethiwekhi yayo yabatshalizimali; enabatshalizimali abangaphezu kwezigidi ezingu-2.5 kanye nesilinganiso esizenzakalelayo esingu-0%, ingenye yezinkundla zokutshala ezisetshenziswa kakhulu.
buhle
- I-Grip izimisele kakhulu ekukhetheni iphrojekthi efanele ongatshala kuyo. Ukuze ifakwe ohlwini lokubambelela, inkampani kufanele ihlole ngokucophelela ukuthi imali yomtshali-zimali ayimoshi.
- Bahlela ukutshalwa kwezimali kwabo ngokucela idiphozithi yesibambiso engu-7.5 kuya ku-15% yenani lokuqashisa, okuyinto enhle kakhulu.
- Ukutshalwa kwezimali okutholakala kwa-Grip akuhlangene nokuntengantenga kwezimakethe. Kuyinto engavamile futhi eyingqayizivele, eheha abatshalizimali abasha.
- Imali yomtshali-zimali ngamunye icutshungulwa ngokuzimela hhayi echibini, okusho ukuthi uyakwazi ukulawula ukuhamba kokutshalwa kwezimali okwenzayo ku-Grip.
bawo
- Lapho ngicwaninga ngalokhu, ngathola ukuthi i-Grip ibambezele izinkokhelo ezithile zokuqashisa zabasunguli abambalwa.
- Izinga le-Grip lokubuya liyakhohlisa ngezinye izikhathi. Umsebenzisi wenze imbuyiselo elinganiselwa ku-8% esikhundleni sama-21% ashiwo; umehluko omkhulu lowo.
- Ukubamba akukuqinisekisi noma yikuphi ukuphepha phezu kwezimali ozitshalile.
Tyke
I-Tyke iyinkundla yokutshala imali esekwe efwini ekuvumela ukuthi utshale emabhizinisini azimele.
Ungasebenzisa i-Tyke futhi utshale imali ku-Startups. Ungakwazi ukulandelela izimali kanye nama-KPI futhi ubuyekeze ukusebenza kwephothifoliyo usebenzisa ideshibhodi.
I-Tyke yenze ukukhuphula imali kungabi nangxabano, inikeze abatshalizimali abafana nathi amathuba amaningi okutshala imali ekuqaliseni okuthembisayo. I-Tyke iphinde igxile ekutshaleni imali ngokuzenzakalelayo kumasheya azimele.
Abasunguli basebenzisa i-Tyke ukuze baqale umzuliswano wokutshala izimali, bakhethe amapharamitha futhi bameme abatshalizimali ukuthi bajoyine.
I-Tyke iphinde yethula “i-Analytics,” inkundla entsha ehlela ukubika ngokunikeza ulwazi olubalulekile ngempumelelo yotshalomali lwakho.
Ihlose ukuhlukanisa imikhiqizo yayo ibe izigaba zempahla ezihlobene nemali engenayo engashintshi kanye namathuluzi esikweletu ahlobene.
I-Tyke inhle kubatshalizimali abadayisayo ngoba inikeza inkundla lapho noma ubani engatshala khona ngqo ekuqaliseni.
Inkampani eqongelela imali inquma inani elincane neliphezulu lokutshala imali; kodwa-ke, ngokokuhlangenwe nakho kwami, ngokuvamile isukela ku-R5,000 kuya ku-R20,000, okuyinto enengqondo.
buhle
- Uhlobo kulula ukuyisebenzisa futhi lunembile.
- Isevisi yekhasimende iyasabela impela.
- Abasebenzisi abaningi bathumele impendulo enhle ngemuva kokusebenzisa i-Tyke okokuqala ngqa.
- Ukufinyelela kuziqalisi eziningi.
bawo
- I-Tyke inemodeli ye-CSOP ne-NCD kuphela evulelwe abatshalizimali.
- Nginomuzwa wokuthi i-Tyke okwamanje ayisebenziseki kalula, futhi kuzodingeka umbe imibhalo eminingi ukuze uthole ulwazi olufanele, njengencwadi yokutshala izimali, njll.
Lendbox
I-Lendbox iyi-NBFC enelayisensi ye-RBI - inkundla yokuboleka ye-P2P. Yethulwe ngo-2017 futhi manje isingesinye sezinkundla zokuboleka i-P2P ezihamba phambili e-India.
Muva nje, i-Lendbox iklanywe kabusha, futhi izinsiza eziningi ezintsha zengezwe kumakhasimende.
I-Lendbox ihlanganyele nezinhlangano ezimbalwa ezinedumela elihle ukuze inikeze abatshalizimali ngamathuba okutshala imali anobungozi obuncane.
Lawa mabhizinisi asebenza njengabaqinisekisi bemali mboleko ethathwe abathengisi bawo namalungu esiteshi. Ungalindela imbuyiselo yonyaka ka-12% kuya ku-20%.
buhle
- I-Lendbox iyinkundla yokutshalwa kwezimali yohlobo olulodwa ehlanganisa ababoleki nabatshalizimali abazimisele ngokubaboleka imali ngenkundla ye-inthanethi.
- Ngokombono womtshali-zimali, leli yithuba elihle kakhulu lokukhiqiza imbuyiselo ebalulekile ekutshalweni kwabo.
- Imisebenzi ayinazo izinkokhelo ezifihliwe.
- Ukubhalisa kumahhala, kuyashesha, futhi kuqondile.
bawo
- Kungase kube ingozi encane kunezinye izinkundla zokutshala izimali njengoba kuyi-P2P.
I-Tradecred
Inkundla elandelayo ohlwini lwami yiTradecred. Kuyinkundla yokutshalwa kwezimali esebenza kuphela kunketho eyodwa yokutshala imali, isaphulelo se-invoyisi.
Ungabheka lokhu njengenye indlela yemakethe yezikweletu.
Izinkampani zisebenzisa isaphulelo se-invoyisi njengendlela yesu lokuqongelela imali. Bathola imali encane kubatshalizimali abavamile ngesikhathi esifushane. I-Tradecred isebenzisa inkundla yayo ukwenza izinketho ezinjalo zokutshala izimali zitholakale kubatshalizimali abayisisekelo njengami nawe.
I-TradeCred ivumela amabhizinisi ukuthi athumele ama-invoyisi awo kusayithi lawo. Bese, ungathenga ucezu lomsebenzi noma ukunikezwa okugcwele ngokusekelwe kulokho abakuthandayo. Ngayinye yale misebenzi inedethi yokuqala neyokuphela kwayo.
Lapho umsebenzi usuqediwe, inkampani izokhokhela umtshali-zimali imali yakhe kanye nenzalo ngesikhathi sokuthenga.
Ukuze ujoyine i-TradeCred, kufanele ube nenombolo yocingo evumelekile exhunywe ekhadini lakho le-Aadhaar, ikhadi le-PAN, kanye ne-akhawunti yasebhange esebenzayo. Nge-Tradecred, ungathola isivuno esingafika ku-12% ekutshaleni kwakho.
buhle
- Bakunikeza kalula ongaqala ngakho futhi uphathe ukutshalwa kwezimali kwakho.
- Abasebenzi abanekhono balolu hlelo lokuphatha nokunakekela bangakwazi ukuluguqula lube yisixazululo esesabekayo nesiphephile.
bawo
- Abanye abangaba abatshalizimali bangase bangakwazi ukukhokhela ukutshalwa kwezimali okuncane.
- Kukhona ingozi enkulu.
Jiraaf
I-Jiraaf iyinkundla ye-Fintech ehlinzeka abatshalizimali bezitolo ezinye izixazululo zokutshala izimali.
Ithi idlula idiphozithi engaguquki ngokwemibandela yembuyiselo. Nakuba ukutshala imali ku-Jiraaf kuyingozi kancane, izinzuzo sezizonke zivuza ngokufanayo.
UJiraaf wethule ama-India kumathuluzi anoveli emali engenayo engashintshi njengamabhondi amboziwe, izivumelwano zokuqashisa, nesaphulelo se-invoyisi.
I-Jiraaf inikeza ikakhulukazi imikhiqizo emithathu:
- Ukwehliswa kwe-invoyisi,
- Ukuqashisa kanye nezimali zokusungula
- Izikweletu ezingaguquki.
Kodwa ingakanani imali ongayenza ngeJiraaf?
Lokhu kuzohluka kuye ngomkhiqizo owukhethayo.
Ngokocwaningo lwami, umkhiqizo wezezimali oqashiswayo uhlinzeka ngembuyiselo engcono kakhulu, enganikeza imbuyiselo ephelele efika ku-17-18%. Ingalandisa ngemali engenayo yangemva kwentela efinyelela ku-11-12% ngonyaka.
Endabeni ye-NDC kanye nesaphulelo se-invoyisi, imbuyiselo ephelele ingakhuphukela ku-10-15%. Ubakaki wakho wentela uzonquma izimbuyiselo zakho zangemva kwentela.
buhle
- Ungahlukanisa utshalomali lwakho emaqenjini amaningana efa.
- Uzuza ngaphezu kokutshalwa kwezimali okujwayelekile kwemali engenayo engaguquki.
- Benza umsebenzi wezandla ukwenza ukutshala imali kube lula kuwe.
- Ngemizuzu emi-3 kuphela, ungavula i-akhawunti bese uqala ukutshala imali.
bawo
- Ingozi ingaphezulu kancane.
- I-Jiraaf ayithathi siqinisekiso sokubuyisela.
Wint Wealth
Wint Wealth iyifemu ye-fintech ekunikeza ithuba lokuthenga amathuluzi esikweletu anesivuno esikhulu (9%+) (njengama-Covered Bonds/MLD) ngokuvikeleka okungcono.
Ukwehliswa okuqhubekayo kwenzuzo yemali engenayo engashintshi kuholele ekukhuleni kwe-Wint. Ngenxa yokuthi iyithuluzi elivikelekile nelithembekile lemali engenayo engashintshi, i-Senior Secured Bond ifana ne-FD. Kodwa-ke, bakhiqiza isivuno esikhulu kakhulu kune-FDs, efinyelela ku-9% kuya ku-11% ngokwesilinganiso.
Bekungenye yezinkundla zokutshala izimali ezikhula ngokushesha kakhulu eminyakeni embalwa edlule.
I-Wint Wealth ithengisa amabhondi aphezulu avikelwe avela ezinkampanini ezihlukene ngokuqondile kubathengi. Isungule amabhondi ahlanganisiwe kubatshalizimali ngabanye, ahlinzeka ngokuvikeleka okwengeziwe.
Ukuvula i-akhawunti nge-Wint Wealth kumahhala ngokuphelele. Kufanele uqale ubambe i-akhawunti nomthengisi obhaliswe ku-SEBI ukuze udale i-akhawunti yakho. Bazokwehlisa izinga lakho lenzalo cishe ngo-2% uma kwenzeka kuba nempahla enenzuzo yesilinganiso senzalo esingaguquki esingu-12-14%.
buhle
- Ngenxa yokuhlukahluka kwayo, i-Wint iqinisekisa ukuthi uvikelekile ezinhlekeleleni ezingalindelekile zezimakethe zamasheya.
- Amabhondi e-Wint Wealth ahlinzeka ngemiklomelo esikhathini esifushane, iminyaka emibili kuphela.
- Amabhondi atholakala ngeplatifomu kaWint afakwa njalo ohlwini emakethe yamasheya.
bawo
- Ngokwemibiko, abantu abambalwa baqolwe izinkulungwane ezimbalwa zamaRandi.
- Kuzodingeka ubeke engcupheni yokulahlekelwa okuphelele uma ibhizinisi lithatha leyo malimboleko futhi lehluleka.
Ama-LiquiLoans
I-LiquiLoans iyinkundla yokuboleka ye-P2P esebenzisa ubuchwepheshe obusezingeni eliphezulu ukuxhumanisa abafake izicelo abafanele ukukweletwa kanye nababolekisi ngokusekelwe ekubekezeleleni ubungozi.
AmaNdiya ngokomlando abengabatshalizimali abanemali engenayo engaguquki, cishe u-70% wemali eyongiwe etshalwe ezimpahleni ezinemali engenayo engashintshi. Ama-akhawunti amaningi okonga amabhange njengamanje anikeza kuphela u-2.5-3.5% esimweni samanje esinenzuzo encane, okuyizithameli ezihlosiwe ze-LiquiLoans.
I-LiquiLoans ikunikeza isisombululo esiyingqayizivele esikuvumela ukuthi uzuze imbuyiselo engu-8-10% ekutshaleni kwakho imali ngenkathi ulondoloza imali esheshayo nokungaguquguquki. Ngakho-ke ingumkhiqizo omuhle kakhulu wokonga izimali zesikhashana, okungcono kunezimali eziwuketshezi/ama-akhawunti okulondoloza/ama-FD.
Ababeki izimali kubatshalizimali noma kubaboleki ngoba izindleko zidluliselwa kozakwethu abathola imali mboleko.
buhle
- Inkampani ayikhokhisi inzalo yomthengi.
- I-LiquiLoans ingase ihehe ababoleki ababekwe kakhulu abanemali etholwa minyaka yonke edlula ama-Rs. 8 lakhs ngokusebenzisana.
- Ngenxa yokuthi ukusetshenziswa kokuphela kwemali kushiwo ngokucophelela, ababolekayo abanenhloso yokukhwabanisa bahlungwa ngokuzenzakalelayo, okwehlisa kakhulu ithuba lokuzenzakalela.
bawo
- Ubuncane bokutshala imali ngu-$50,000, okuyinani elibalulekile.
I-Altifi
I-AltiFi iyinkundla yokutshalwa kwezimali esezingeni eliphezulu evumela abathengi ukuthi bathenge izimpahla ezineholo elingaguquki.
Ihlinzeka ngezibambiso ebezitholakala kuphela kumafemu okutshalwa kwezimali, abatshalizimali abadayisayo, abantu abacebile, kanye nama-HNI.
I-Altifi ivumela izikhungo, ama-HNIs, kanye nabatshalizimali ngabanye ukuthi bathole amabhondi nezitifiketi zediphozi kumafemu akhulayo kuzo zonke izimboni eziningi.
Kuyinkampani engaphansi kweNorthern Arc Capital, inhlangano eyaziwa kakhulu yezezimali, ukuthengiswa nokuhlela, kanye nokuphathwa kwengcebo.
Ngoba ihlinzeka ngokukhethekile ngamabhondi abhaliselwe ibhizinisi labazali bayo, i-Northern Arc, i-Altfi akuyona indawo yemakethe nje. Le nkundla igxile kumabhondi akhishwa amafemu anesikweletu esiqinile, futhi i-Northern Arc ithembele ekubhaleni ngaphansi.
Isivuno sebhondi siyahlukahluka kusuka ku-8 kuya ku-13%. Ngaphandle kwamabhondi, izakhiwo ezikhokha intela njenge-MLD nazo zivamile.
Uma usubhalisele i-Altifi, kufanele ufake imininingwane ye-akhawunti yakho ye-Demat, okungenzeka kube yi-NSDL noma i-CDSL. Inqubo yokukhipha imvume ye-KYC iyashesha, futhi ungathenga amabhondi kungakapheli amahora angama-24.
Ungathenga amayunithi ebhondi nge-net banking noma nge-UPI, futhi azovela ku-akhawunti ye-Demat phakathi nezinsuku ezimbili.
buhle
- Ukubhalisa kuyashesha. Ngikwazile ukuthenga amabhondi ami emahoreni angama-24.
- Isevisi yamakhasimende nayo ibisezingeni eliphezulu. Babeshesha ukuphendula kunoma yimuphi umbuzo.
bawo
- Amabhondi angase athathe ngaphezu kwezinsuku ezimbili ukuze avele ku-akhawunti yakho ye-Demat.
- Inqubo ye-KYC ingase icindezele abanye abasebenzisi.
I-KredX
I-KredX izichaza njengomhlinzeki wezixazululo zezezimali ze-supply chain.
Yasungulwa ngo-2015 futhi yengeze imikhiqizo eminingana yabatshalizimali abadayisayo nezinkampani.
I-KredX inikeza ukuphathwa kwezimali nokugeleza kwemali ezinkampanini namabhizinisi amancane. Iphinde inikeze Thenga Manje Khokha Kamuva (BNPL) amasevisi emisebenzi ye-B2B, isaphulelo sebhili, uxhaso lwezimali lokungenisa nokuthekelisa, neminye imikhiqizo eminingi.
Basanda kukhipha i-KredX Cashback Card yezinkokhelo zomthengisi ngokubambisana ne-ICICI Bank, ehlinzeka ngembuyiselo/imiklomelo ezinkokhelweni zabathengisi.
Ithimba le-KredX liqukethe abasunguli namalungu eqembu anolwazi olunzulu kwezamabhange, ezezimali, neminye imikhakha. I-Tiger Global, i-Sequoia, kanye ne-Prime Venture Partners baphakathi kwabatshalizimali abakhulu be-KredX.
buhle
- Ivumela abatshalizimali abajwayelekile ukuthi babambe iqhaza ekwenziweni kwesaphulelo se-invoyisi.
- I-KredX inikezela ngenqubo yokugibela engenamthungo futhi ivumela abatshalizimali ukuthi bahlukanise phakathi kwezinhlobo zempahla.
- Ukubhalisa kuyashesha futhi kulula.
- I-KredX ivikelekile, akukho okuzenzakalelayo okurekhodiwe eminyakeni yamuva.
bawo
- Ngeke ukwazi ukubona noma yiluphi ulwazi oluhlobene nezinga lembuyiselo uze ubhalise i-akhawunti yakho.
- Izinketho ezilinganiselwe kuphela ezitholakalayo kubatshalizimali bezitolo.
Isinqumo Final
Ngakho-ke, lezi bekuyizinkundla zokutshala izimali ezingcono kakhulu ezingu-9 e-India ezidumile futhi ezisetshenziswa izigidi zamakhasimende.
Amafomethi afana Jiraaf, I-Grip Invest, Wint Wealth, Futhi Tyke izindawo ezinhle zokuqala uhambo lwakho lokutshala imali. Lezi zinkundla zokutshala izimali zinesisekelo esihle samakhasimende futhi zaziwa ngokwenza lokho ezikufunayo.
Akusona iseluleko sezezimali, kodwa engivame ukukwenza ukuthi, esikhundleni sokubeka imali yami kwesinye isikhwama sokutshala imali, ngiyisabalalisa ekutshalweni kwezimali okuningi. Ngiqala ngenani eliphansi, futhi uma ngizwa ukuthi ngithola izinzuzo ezihloniphekile ezivela endaweni ethile futhi izibalo zabo zithembekile, ngivame ukukhulisa usayizi wami wokubheja.
Bekuphelele lokho okwanamuhla; lezi zimali zokutshalwa kwezimali ezihlukile zinikeza indlela enhle yokukhiqiza imali engenayo. Kodwa-ke, kufanele ngisho ukuthi wena, njengomtshali-zimali, kufanele wenze ucwaningo olunzulu futhi ungalokothi uthembele ezibalweni eziboniswa kunoma iyiphi iwebhusayithi yenkundla yokutshala imali.
UTushar
Ngisebenzise cishe yonke inkundla yalokhu okungenhla ngaphandle kwesi-2 futhi bengifuna ukukwazisa ukuthi i-Kredx inokuzenzakalelayo okuningi esikutshale ngenhla kuka-2-3 cr ngakho futhi amadili ami ama-3 awazange asebenze njengamanje afinyelela ngaphezulu kwe-10Lakh. bathembise ukuthi bazoyibuyisa kodwa ezinye izikweletu sekuphele unyaka zikhokhwa futhi azikho izimpawu zokuthi bazitholile.