Ingabe ungumfundi waseNdiya ofuna isixazululo sezezimali?
Ungabheki kwenye indawo!
Izinhlelo zokusebenza zezikweletu eziyi-12 ezibalulwe ngezansi ezezitshudeni ezitholwe ngemva kokusesha imakethe okuphelele. Ngokufinyeleleka okusheshayo namathuba okukhuthaza, lezi zinhlelo zokusebenza zenza kube lula ukuphatha isikweletu.
Ungaqiniseka ukuthi uthola isixazululo esifanelekile sezidingo zakho, ngenxa yezindawo ezisebenziseka kalula, izintengo ezithengekayo, nezici ezihlukahlukene.
Lezi zinhlelo zokusebenza zizonakekela izidingo zakho zokuphathwa kwezimali, ngakho yeka ukugcizelela. Sebenzisa ngokugcwele isikhathi sakho njengomfundi ngokuphatha isikweletu sakho manje!
1. I-PaySense
I-Paysense ibhizinisi lobuchwepheshe bezezimali elinikeza abantu base-India imali mboleko yomuntu siqu, imigqa yezikweletu, nezinye izinsizakalo zezezimali. I-ejensi yezikweletu isebenzisa isayensi yedatha nokufunda komshini ukuze ihlole ukufaneleka kwamaklayenti.
Igunyaza imalimboleko yabantu abangenazo izilinganiso ezinhle zezikweletu noma umlando omfushane wesikweletu. Ibhizinisi lasungulwa ngo-2015, futhi kusukela lapho, selithole ukuhlonishwa okuningana futhi lanikeza imali mboleko kubathengi abangaphezu kuka-2.5 lakh.
Ngokusebenzisa imizuliswano eminingi yokutshala izimali, inweba iminikelo yayo futhi ifinyelele nakwamanye amaklayenti.
[Ukufaneleka: Iminyaka engu-21 kuye kwengama-65]
Izici
- Ukufinyelela okusheshayo emalimboleko yomuntu siqu, enamanani emali mboleko asuka ku-R5000 kuya ku-R5 lakh
- Ihlinzeka ngemalimboleko ngenani lenzalo engu-1.4% -2.3% ngenyanga.
- Awukho umlando wesikweletu odingekayo ukuze ufake isicelo futhi ugunyazwe
- Abafundi abafanelekile bangafaka isicelo semalimboleko elandelayo
- Isici sokudonswa kwemali ngokuzenzakalelayo sokukhumbuza izitshudeni ukuthi zenze izinkokhelo ngesikhathi
- Inqubo yokugunyazwa kwemalimboleko yedijithali ngaphandle kwamaphepha adingekayo
- Isebenzisa isayensi yedatha ethuthukisiwe nokufunda komshini ukuze ihlole ukufaneleka kwekhredithi
2. Umata obomvu
I-RedCarpet iyinkundla yokuboleka imali yedijithali eyasungulwa e-India ngo-2016. Kusukela lapho, iye yanda ngenxa yesu layo lokuqala nelingenekayo lesikweletu. Amakhasimende angakwazi ukufinyelela izinsiza ezihlukahlukene zezezimali nemikhiqizo esebenzisa uhlelo olukhethekile olubizwa ngokuthi “RedCarpetX” olunikezwa inkampani.
Baphinde badume ngamasu abo agxile kumakhasimende, amanani enzalo anolaka, nokukhetha kokukhokha okuguquguqukayo. Bahlinzeka ngezindlela ezihlukahlukene zokuboleka futhi bahlele inqubo yokufaka isicelo semalimboleko.
Njengoba isayithi elithembekile, inketho enhle kunoma ubani ofuna ukufinyelela okulula nokuqondile kukhredithi.
[Ukufaneleka: iminyaka engu-18]
Izici
- Ukugcwaliswa kabusha komkhawulo wesikweletu ngokushesha lapho usuphelile
- Amandla okukhipha imali usebenzisa ikhadi leRedCarpet kunoma iyiphi i-ATM
- Ukulandelela okulula kwezinkokhelo nokubukwa kwezitatimende zekhadi ezinemininingwane ngohlelo lokusebenza noma iwebhusayithi
- Uhlelo lokusebenza lwe-RedCarpet lusebenza njengesixazululo esisodwa sokuphatha ikhadi lakho
- Izikhumbuzi ezivamile zamadethi omnqamulajuqu azayo
3. Navi
I-Navi iwuhlelo lokusebenza lokuphatha ezezimali olusiza abasebenzisi ukuthi balawule izimali zabo. Inikeza izici ezifana nokulandelela ukusetshenziswa kwemali, isabelomali, ukulungiselelwa kwemigomo yezezimali, izikhumbuzo zebhili, isikolo sesikweletu ukuqapha, nokulandelela ukutshalwa kwezimali.
Iphinde isize abasebenzisi ukukhomba izindawo lapho banganciphisa khona izindleko futhi benze ngcono izinqumo zezimali. Le nkampani isikhiphe imali ebolekiwe engaphezu kuka-11000 crores. I-Navi imahhala ukuyidawuniloda kuzo zombili izinkundla ze-iOS ne-Android futhi ibhekelela abasebenzisi baseNdiya ukuze baphathe impilo yabo yezezimali.
[Ukufaneleka- iminyaka engu-21]
Izici
- Inqubo yokufaka isicelo semalimboleko yedijithali engu-100% enamaphepha amancane
- Inqubo elula nevikelekile, kulula ukuyizulazula
- Ukwesekwa kwamakhasimende okutholakalayo amahora angu-24 ngosuku, izinsuku ezingu-7 ngeviki
- Izinketho zokukhokha ngokwezifiso zokukhokha imali mboleko, isikhathi sokusebenza esingafika eminyakeni eyi-6
- Amazinga enzalo ancintisanayo aqala ku-9.90% pa ngemali mboleko yemali.
4. I-SlicePay
I-SlicePay iyisiqalo se-fintech saseNdiya esihlinzeka ngemali kubafundi basekolishi. Inhlangano ihlinzeka ngamakhadi esikweletu angokoqobo kanye nemalimboleko yomuntu siqu, uxhaso olususelwa ku-EMI, nezinkokhelo zezikweletu ukusiza abafundi bathole isikweletu ngaphandle kwesibambiso noma umlando wesikweletu.
Ihlola ukufaneleka kwekhredithi isebenzisa ama-algorithms obunikazi futhi inokuxhumana nabathengisi abahlukahlukene kanye nezinkundla ze-e-commerce. I-SlicePay yaqala ngo-2015 futhi ifuna ukwenza ikolishi lithengeke kakhulu. Inyuse imali yokwandisa izinsiza futhi ifinyelele amakhasimende amaningi.
[Ukufaneleka- iminyaka engu-18]
Izici
- Ukufinyelela okusheshayo nokulula emalimboleko engafika ku-R5 lakh
- Izinketho zokukhokha ezifika ezinyangeni eziyi-12 noma ukukhokha ngaphambi kwesikhathi ukuze wonge inzalo
- Inkokhelo yesikhathi esisodwa yayo yonke imali ebolekiwe
- Zuza imiklomelo engu-2% ekusetshenzisweni kwamakhadi
- Inzalo engu-Zero ekhokhiswayo uma imali ebolekiwe ibuyiselwa phakathi nenyanga
- Amazinga enzalo ancintisanayo ku-EMI, nebanga elingu-12-15% isikhathi sokukhokha esiyizinyanga eziyi-12.
5. Eduvanz
I-Eduvanz uhlelo lokusebenza lwezezimali lwaseNdiya olugxile ekunikezeni izixazululo zemalimboleko yabafundi. Bafuna ukwenza ukuthola uxhaso lwezikole nezinye izindleko kube lula futhi kube nzima ngangokunokwenzeka. Ezinye izinsiza, ezifana nalezi, zisebenzisa “isivumelwano sokwabelana ngemali engenayo” lapho ababoleki bekhokha imali ebolekiwe njengephesenti lenzuzo yabo.
Banikeza imali ebolekiwe yezindleko zemfundo ezahlukene njengokufunda, izinto zokufunda, kanye nemishini yekhompyutha. Bathole idumela lokuhlinzeka ngamanani enzalo ephansi kanye nenqubo yokufaka isicelo esheshayo, esiza abafundi ekufinyeleleni izinjongo zabo zemfundo.
Sekukonke, i-Eduvanz iyindlela enhle yabafundi abafuna indlela evumelana nezimo nentsha yokuxhasa imfundo yabo.
[Ukufaneleka- iminyaka eyi-18 kuye kwengama-60]
Izici
- Isibali sezindleko zemalimboleko yomuntu siqu
- Izinketho ezilungele abafundi kanye nezixazululo zemfundo ezenzelwe wena
- Ukugunyaza okusheshayo, inqubo ye-inthanethi engu-100% ngaphandle kwezindleko ezifihliwe (imali yokucubungula 0% -5%)
- Izilinganiso zenzalo ephansi ngokusekelwe kuphrofayela yomfundi
- Izinketho zokukhokha eziguquguqukayo.
6. I-LazyPay
I-LazyPay yase-India, isiqalo sika-2016, inikeza izikweletu ze-inthanethi. Idume ngokunikeza ikhredithi esheshayo nezinqubo ezilula zokuphuma. Bahlinzeka ngezinketho ezilula zokuphuma ngenxa yokusebenzisana kwabo okusebenziseka kalula nokushelelayo namabhizinisi.
Abantu bathanda ukukhishwa kwemali mboleko okusheshayo kwenkundla nokutholakala kalula kwekhredithi, ngakho idumile phakathi kwamakhasimende aseNdiya. Kunabasebenzisi abafanelekile abangaphezu kwe-6 crore. Banikeza izinketho ezihlukahlukene zokuboleka, okuhlanganisa imali ebolekiwe yomuntu siqu, imali mboleko yamaholide, nokunye.
I-LazyPay iyisinqumo esihle kunoma ubani ofuna indlela elula yokuthola isikweletu kanye nozakwethu wezezimali othembekile.
[Ukufaneleka- iminyaka engu-18]
Izici
- Ukukhishwa kwekhredithi ngamasekhondi angu-90
- Imigomo yokukhokha elula yezinsuku eziyi-15
- Awekho amadokhumenti aphathekayo adingekayo kanye nezimvume ezisheshayo
- Isikweletu se-LazyPay singasetshenziswa ungaxhunyiwe ku-inthanethi naku-inthanethi ezigidini zabathengisi
- Ubambiswano olukhethekile namapulatifomu ahlukahlukene njengeSwiggy noTomato, ukuhlinzeka amakhasimende ngamavawusha angeziwe kanye neminikelo
- Izinketho zesikhathi sokuhlala eziguqukayo ezisukela ezinyangeni ezi-3-24, okuvumela amakhasimende ukuthi akhethe uhlelo lokukhokha olubasebenzela kangcono
- Amazinga enzalo ancintisanayo aqala ku-18% ngonyaka, akhuphuke afinyelele ku-32% ngonyaka, kuye ngenani lemalimboleko nesikhathi sokuhlala.
7. I-PostPe
I-PostPe iyinkundla yokuboleka imali yedijithali eyasungulwa ngo-2019, e-India eyaziwa ngenqubo yayo yokufaka isicelo semalimboleko esheshayo nelula. Banikeza imali mboleko ngaphandle kwesibambiso, imigqa yezikweletu, nezinye izinketho, kuye ngezidingo zakho.
Bagxile kakhulu ekunikezeni isevisi yamakhasimende eyingqayizivele. Umugqa wethegi yebhrendi yabo, “De Dena Aaram Se” okusho ukuthi 'khokha ngesikhathi esivumelana nawe', ugqamisa umgomo wabo wokunikeza amakhasimende amandla okulawula izimali zawo.
Ngomlando wokuhlinzeka ngezixazululo zezikweletu ezisheshayo nezivikelekile, i-PostPe iyindlela ethembekile yalabo abadinga izixazululo zemalimboleko esheshayo.
[Ukufaneleka- iminyaka eyi-21 kuye kwengama-65]
Izici
- Izinketho ze-EMI ezenziwe ngendlela oyifisayo ukuze uthole ukuzizwisa ukukhokha komuntu siqu
- Ukusetshenziswa kwekhredithi ye-PostPe ekuthengeni ku-inthanethi noma esitolo
- Ideshibhodi eku-inthanethi yomuntu siqu yokulandelela imali mboleko, izindleko, nama-EMI
- Isici sokudlulisa imali esilula ngokuskena ikhodi ye-QR
- Umkhawulo wesikweletu ongenanzalo ongafika ku-10 Lakhs
- Izinga lenzalo elincintisanayo phakathi kwama-24-36% esikhathini sokubolekwa kwemali kusukela ezinyangeni ezi-3-6
8. mPoket
I-Mpokket iyifemu yezobuchwepheshe bezezimali egxile ekuhlinzekeni ngemalimboleko esheshayo kubafundi basekolishi eNdiya. Umgomo wabo uwukwenza kube lula kubafundi ukuthi bathole isikweletu, ngokusebenzisa amafoni abo nezinkundla zokuxhumana.
Iphinde inikeze ngekhadi lesikweletu elibonakalayo, elingasetshenziselwa ukuthenga, ukukhokha izikweletu, kanye nokukhokhiswa kabusha. I-Mpokket yasungulwa ngo-2017, inombono wokwenza isikweletu sibe lula, sifinyeleleke kubafundi.
Kuze kube manje, i-mPokket iqoqe amakhasimende anelisekile ayizigidi ezingu-2+ ngesilinganiso esimaphakathi sezinkanyezi ezingu-4+ ku-Google Play.
[Ukufaneleka- iminyaka engu-18]
Izici
- Inqubo yokufaka isicelo semalimboleko esheshayo nelula
- Amazinga enzalo ancintisanayo, aqala phansi afika ku-3.5% ngenyanga
- Ukufinyelela kukheshi ngokushesha ngaphandle kwesidingo sezibopho zesikhathi eside ze-EMI
- Inketho edumile phakathi kwabafundi yokufinyelela isikweletu
- Inikeza ama-microloan aqala phansi afinyelela ku-R500 kuye ku-R20,000, anezinketho zokukhokha ezifika ezinyangeni ezi-4
9. BadaBro
UBadabro ungumbungazi ovelele uhlelo lokusebenza lwesikweletu eNdiya ebhekelela abafundi kuphela. Bayazi ukuthi kungase kube nzima ukuthola isikweletu njengomfundi, futhi bazama ukukwenza kube lula. Uhlelo lokusebenza luhlinzeka ngezindlela ezihlukile zokubolekwa kwemali kanye nezikhathi zokukhokha eziguquguqukayo ezingahle zenziwe ngendlela oyifisayo ukuze zifane nezidingo ezithile zabafundi.
Bagunyaze imali mboleko engaphezu kwe-1 lakh, okukhombisa ukuthandwa nokusebenza kwabo. Banikeza amanani enzalo ephansi kanye nenqubo elula, ebalulekile kubafundi abanezinkinga zemali kanye nezikweletu ukuze bakhokhele esikoleni.
Sekukonke, kungenye indlela enhle yabafundi abafuna isikweletu esisheshayo nesilula.
[Ukufaneleka- iminyaka engu-18]
Izici
- Umkhawulo wesikweletu onamandla oqala ku-Rs. 1,000
- Isicelo sesikweletu esiku-inthanethi esilula, ukudlulisa ngokushesha
- Inqubo yokugunyaza ku-inthanethi esheshayo
- Imigomo yokukhokha eguquguqukayo phakathi kwezinsuku ezingu-61 kuya kwezingu-90
- Izinga lenzalo elingu-5% ngenyanga
10. Ephaketheni
I-Pocketly wuhlelo lokusebenza lwezikweletu e-India oluhlinzeka ngezixazululo zezikweletu kubantu abasha. Umugqa wethegi yomkhiqizo wabo uthi 'Isikweletu Sentsha YaseNdiya', egxile ekunikezeni ukufinyelela kwezikweletu kubantu abasha abanomlando wesikweletu olinganiselwe noma ongenawo nhlobo. Uhlelo lokusebenza kulula ukulisebenzisa futhi linikeza izinhlobonhlobo zezinketho zokubolekwa kwemali, okuhlanganisa imalimboleko yomuntu siqu, imali mboleko yokuvakasha, nokuningi.
Banenqubo yokufaka isicelo esheshayo nengenamthungo futhi banikeza ukukhishwa kwemali mboleko okusheshayo kumakhasimende afanelekile. Okunye okugqamile kakhulu ukuthi inokulandwa okungaphezulu kwesigidi esingu-1 ku-Google Play, okukhombisa ukuthandwa kwayo phakathi kwezithameli ezisencane.
Baziwa futhi ngamanani abo enzalo ephansi, izinketho zokukhokha eziguquguqukayo, kanye nendlela egxile kumakhasimende. Sekukonke, i-Pocketly iyindlela enhle kubantu abasha baseNdiya abafuna isikweletu esilula nesifinyelelekayo.
[Ukufaneleka- iminyaka engu-18]
Izici
- 24/7 ukutholakala kwemali mboleko
- Uhlelo lokudlulisela imali emuva
- Inqubo yokubhalisa esheshayo, yokuchofoza oku-2
- Umuzwa we-KYC ongenazinkinga
- Izinga lenzalo lisuka ku-12-36% ngonyaka
- Umkhawulo wesikweletu ungafika ku-R10000 ngokusekelwe emlandweni wokukhokha
- Izinketho ze-EMI eziguquguqukayo kanye nekhono lokuvala imali mboleko noma nini
11. I-StuCred
I-StuCred wuhlelo lokusebenza lwezikweletu oludumile phakathi kwabafundi baseNdiya, oluziqhayisa ngomphakathi wabasebenzisi abangaphezu kwe-3 lakh. Banikeza izikweletu ezilula kanye nezinketho zokukhokha eziguquguqukayo. Futhi banesici esiyingqayizivele se-Student Connect, ukuxhuma abafundi nabafundi be-alumni, ontanga, nochwepheshe ukuze bathole isiqondiso sezezimali.
I-StuCred iyindlela enhle yokuxhasa abafundi ngesikweletu nezezimali, nayo enenqubo yokufaka isicelo elula. Futhi banokusekela kwamakhasimende okuzinikele kunoma yiluphi usizo oludingekayo phakathi nenqubo.
[Ukufaneleka- iminyaka engu-18]
Izici
- I-StuCred inikeza ukufinyelela kwekhredithi okusheshayo ngenani lenzalo elingu-0%.
- Imali yesikhathi esisodwa engu-6% yenani eliphelele lemalimboleko ekhokhiswayo.
- Ngamakolishi angaphezu kwe-10,000 afakwe ohlwini, i-StuCred ifinyeleleka kabanzi kubafundi.
- Inqubo yokugunyaza isikweletu iyashesha futhi iyasebenza, ngemva nje kokuqeda inqubo ye-KYC
- Inani elincane lemalimboleko elinikezwa yi-StuCred ngu- ₹1000
- Ngokukhokhwa kwemali mboleko okungaguquki nangesikhathi, i-StuCred inyusa umkhawulo wesikweletu kuze kufike ku-R15,000
12. I-KreditBee
I-KreditBee, inkundla yokuboleka imali yedijithali ehamba phambili e-India, inikeza izinketho ezihlukahlukene zemalimboleko kanye nolwazi olusebenziseka kalula kumakhasimende ayo. Ngenqubo yokufaka isicelo esheshayo nelula, bahlinzeka ngokukhishwa kwemali mboleko okusheshayo kumakhasimende afanelekile. Banokufinyelela okubanzi futhi basize abaningi, njengoba kuboniswa ukukhokha kwabo kwezikweletu ezingaphezu kuka-30000 kuze kube manje.
I-KreditBee yaziwa ngendlela yayo yokugxilisa amakhasimende, amanani enzalo ancintisanayo, nezinketho zokukhokha eziguquguqukayo. Kuyisinqumo esihle kulabo abafuna isikweletu esilula nesifinyelelekayo.
[Ukufaneleka- iminyaka engu-21]
Izici
- Amazinga enzalo aqala ku-1.02% ngenyanga futhi akhuphuke afinyelele ku-2.49% ngenyanga
- I-Kreditbee isebenzisa inkundla esekwe ku-AI ukuze ihlole ukufaneleka kwemalimboleko, iqinisekisa ukuthi imali mboleko ikhishelwa abantu abafanelekayo.
- Izinketho zemalimboleko ezitholakalayo zisuka kokuphansi njengokungu-R1,000 ukuya phezulu njengokungu- ₹3 Lakhs
- Inqubo yokufaka isicelo semalimboleko yakwa-Kreditbee iyatholakala ngo-24/7, okusho ukuthi ungafaka isicelo semalimboleko nganoma yisiphi isikhathi.
- Inqubo yokukhokha imali mboleko iyashesha, kanti izimali zenziwa zitholakale phakathi nemizuzu eyi-10 yokugunyazwa kwemali mboleko
- Inqubo yokufaka isicelo sika-Kreditbee iku-inthanethi ngo-100%, inamaphepha alula, nokukhishwa kwezimali okungenazinkinga
Okukhethiwe okuphezulu okungu-3
Ukunciphisa ukusesha kwezinhlelo zokusebenza eziphezulu zezikweletu zabafundi baseNdiya akukaze kube lula! Ngemuva kokubuyekeza ngokucophelela izinketho ezingu-12 ezihamba phambili, sesiyinciphise safinyelela ezinhlelweni zokusebenza ezingu-3 okufanele ube nazo.
Masingene siqhathanise ngokujulile lezi zikhetho eziphezulu
1. mPokket
buhle:
- Isixhumi esibonakalayo esisebenziseka kalula senza kube lula ukuzulazula nokufaka isicelo sokubolekwa imali
- Isevisi yamakhasimende enhle ehlala ilungele ukusekela nganoma imiphi imibuzo noma izinkathazo
- Indawo yokwelula idethi yamanqamu, elungele izinguquko ezingalindelekile ezimweni zezezimali
bawo:
- Umkhawulo wokuqala ophansi wekhredithi, futhi inqubo yokuyikhulisa ingahamba kancane
- Izindleko ezifihliwe zibikiwe, noma ngamanani amancane
- Izilinganiso zenzalo eziphezulu zabafundi uma ziqhathaniswa nezinye izinhlelo zokusebenza zekhredithi.
- Ukukhishwa kwemali mboleko kungathatha isikhathi.
2. I-KreditBee
buhle:
- Ukukhishwa kwemali mboleko okusheshayo okungaba usizo ezimeni eziphuthumayo
- I-interface yomsebenzisi ebushelelezi futhi eklanywe kahle
- Idinga amadokhumenti ambalwa, okwenza inqubo yesicelo ibe lula
- Inkokhelo yenzalo enengqondo yemali mboleko
bawo:
- Inqubo yokuqinisekisa ingase ithathe isikhathi eside kunokulindelekile
- Ukuhlolwa kwesikolodo kungase kungasebenzi
- Inkokhelo yokucubungula iphezulu uma iqhathaniswa nezinye izinhlelo zokusebenza zekhredithi
- Okuhlangenwe nakho kokusekelwa kwamakhasimende kungase kungagculisi.
3. I-SlicePay
buhle:
- Inqubo yedijithali ngokugcwele, eqeda isidingo semibhalo ebonakalayo
- Ilungele izimo eziphuthumayo njengoba inikeza amakhredithi asheshayo phakathi nemizuzu eyi-10
- Izilinganiso zenzalo eziphansi futhi azikho izinkokhiso ezifihliwe
bawo:
- I-interface eyinkimbinkimbi ingaba nzima ukuzulazula
- Imibiko yokwesekwa kwamakhasimende engaphenduli imibuzo ngesikhathi
- Imikhawulo yezikweletu yehlile ezikhathini zamuva nje
- Ukuvumelana nezimo okulinganiselwe ekukhetheni isikhathi sokubolekwa imali.
Isiqinisekiso sethu
Uma kuziwa ekutholeni uhlelo lokusebenza lwekhredithi olufanele lwabafundi, konke kumayelana nokukala okuhle nokubi. Futhi uma kufika I-KreditBee, ubuhle budlula kude ububi!
Ngezinkokhelo zayo zemali mboleko ezisheshayo, isikhombimsebenzisi esisebenziseka kalula, kanye nezilinganiso zenzalo eziphusile, iyiqhawe 'lesikhwama sezimo eziphuthumayo' lokugcina.
Udinga imali ngokushesha? I-KreditbBee ikubuyisele emuva.
Ukhathele amaphepha? Imibhalo emincane ye-KreditBee iwushintsho olwamukelekayo.
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