Isizathu #1 sokuthi iningi lamaNdiya lingathandi ukutshala imali esitokweni ukuthi licabanga noma likuthola kuwumsebenzi onzima.
Abantu banokuqagela ukuthi ukutshalwa kwezimali ezimakethe zamasheya kungenzeka kuphela ngama-stockbroker, amafemu, noma izingosi zamabhange.
Ingasaphathwa yomqondo wokukhokha imali eshisiwe kumthengisi wamasheya nawo ugqamile eNdiya.
Uma ngingakutshela ukuthi:
- Awudingi i-stockbroker ukuze uqale ukutshala imali
- Awudingi ukukhokha noma iyiphi ikhomishini kunoma ubani nanoma iyiphi ingxenyekazi.
- Ukuthenga izitoko kuthatha nje ukuchofoza inkinobho
Kulesi sihloko, uzofunda mayelana nezinhlelo zokusebenza ezi-5 ezidume kakhulu zokuphatha ukutshalwa kwezimali e-India. Lezi izinhlelo zokusebenza zama-smartphone ongazifaka ukuze utshale imali futhi ukhulise iphothifoliyo yakho usohambeni.
Sizokhuluma ngazo zonke ngokuningiliziwe futhi ngizozama ukukusiza ukuthi ukhethe uhlelo lokusebenza olungcono kakhulu lokutshala izimali kuwe.
Khula
I-Groww ngokungangabazeki iwuhlelo lokusebenza olungcono kakhulu lwabaqalayo nabatshalizimali bokuqala.
Iqale njengohlelo lokusebenza lokutshala izimali oluhlanganyelwe. Manje ikuvumela ukuthi uthenge amasheya futhi Izimali ezihlangene usebenzisa inkundla efanayo. Sonke isiqubulo esithi Groww ukwenza ukutshala imali kube lula ngangokunokwenzeka. Ekwenzayo.
Ideshibhodi ilula kakhulu futhi inembile. Ungakwazi ukulandelela zonke izimali zakho ze-Mutual kanye nokuthengwa kwesitoko ngokusebenzisa uhlelo lokusebenza lwe-Groww.
I-akhawunti yakho ye-Demat izovulwa ngemva kokudala i-akhawunti ye-Groww. Ekuqaleni, uzokwazi ukuthenga i-Mutual Funds kuphela.
Ukuze uvule i-akhawunti yakho ye-Demat, hamba esigabeni sesitoko kudeshibhodi enkulu yohlelo lokusebenza ethi Khulisa bese uchofoza kokuthi vula i-akhawunti entsha. Uzoqondiswa kuyo yonke inqubo futhi uthole izaziso zokugunyaza ku-imeyili yakho.
Uma i-akhawunti yakho isigunyaziwe ungaqala ukuthenga nokuthengisa izitoko.
Ideshibhodi yohlelo lokusebenza ikubonisa zonke izitoko ezithrendayo ngesikhathi sangempela emakethe. Ungahlola idatha yomlando usebenzisa amashadi e-Rock.
Kukhona zonke izinhlobo zedatha eziboniswe ngezansi kwamashadi e-Rock ahlobene nesitoko sezinkampani osibukayo njengamanje.
Idatha ihlanganisa:
- Izibalo zesitoko senkampani (Ezifana nekhephu yemakethe, i-dividend Veza)
- Ulwazi mayelana nenkampani
- Amaphethini wokuba ngamasheya
- Ukungena kwemali
- Ibhalansi enemininingwane
- Izincomo zomhlaziyi
Iphinde ikubonise izitoko ezihlobene ongaziqhathanisa.
Mayelana ne-Mutual Funds, ungabuka yonke imininingwane ebalulekile efana nale:
- Khipha ukusebenza komlando
- Imininingwane yomphathi wesikhwama
- Ukubanjwa kwesikhwama
- Buyisa% ngokuhamba kwesikhathi (ungakhetha phakathi kwezinsuku ukuya eminyakeni)
- Izinzuzo nobubi
I-Groww iphinde ibe ne-SIP kanye ne-Calculator yesikhathi esisodwa yokutshala imali yabatshalizimali be-Mutual Fund.
Kwenza kube lula kuwena ukuqonda ukuthi kufanele utshale malini ukuze ufeze izinhloso zakho zezezimali ozifisayo.
Esigabeni esithi Hlola sohlelo lokusebenza, ungachofoza isigaba ukuze uthole izinhlobonhlobo zezimali ezifana nalezi:
- Ubungozi obukhulu
- ukonga intela
- Izinzuzo ezingcono kune-FD
- Izinkampani eziphezulu
- Amabhande Omkhakha
- Ama-SIP azoqala nge-RS. 500
Uhlelo lokusebenza olufanayo likuvumela ukuthi ulandelele amasheya kanye nokutshalwa kwezimali kwe-mutual fund.
Ungangeza imali ongathanda ukuyitshala ku-akhawunti yakho ye-Groww ukuze uthenge amasheya ngokushesha uma wenza ukuhweba kwangaphakathi kosuku.
Ungakwazi futhi ukukhetha ukukhipha imali yakho futhi uyigcine ku-akhawunti yakho ye-Groww ukuze uphinde uyitshale.
Ukusebenzisa i-Groww ungakwazi futhi ukulandelela izimali zakho zangaphandle. Lokho kuqinisekile kuzokusiza ukuthi ulandelele konke ukuthenga kwakho ngendlela ehleleke kakhudlwana.
Uhlelo lokusebenza, kanye nenkundla yewebhu, ayivamisile ukuphahlazeka. Angikaze ngibe nezinkinga ngohlelo lokusebenza lwe-smartphone ye-Groww mayelana nokutshala imali noma ukukhipha imali.
Ukuze uvule i-akhawunti yokutshala i-Groww udinga ukugcwalisa inqubo ye-e-KYC ephelele. Awudingi ukuthumela noma imaphi amadokhumenti ephepha. Futhi ngokuvamile kuthatha amahora angaphansi kwama-48 ukuze uthole ukugunyazwa kwe-akhawunti.
Ukukhulisa inketho engcono kakhulu kuwe uma usanda kuqala ukuthola isheke lakho lokukhokha. Noma ucabange ukuthi manje yisikhathi sokuqala ukutshala izimali ezitokisini noma kuma-mutual funds.
Ayikho imali ye-brokerage kanye nemali yokuvula i-akhawunti enguziro. I-Groww ukuphela kohlelo lokusebenza ongalusebenzisa ukuvula i-akhawunti yamahhala ye-Demat.
I-Groww ayiyona eyabatshalizimali abangomakadebona. Uma ubheke phambili ekuhwebeni kwangaphakathi kosuku, hlola uhlelo lokusebenza olulandelayo.
Dala i-akhawunti yakho ye-Groww
I-Kite by Zerodha
I-Kite uhlelo lokusebenza lokuhweba ngamasheya nguZerodha. Iwuhlelo lokusebenza oludume kakhulu lokuhweba ngamasheya eNdiya. Azikho izinhlelo zokusebenza eziningi ezinohlobo lwezinga uZerodha analo.
Kuthathwa njengokulingana kwe-Robinhood eNdiya, futhi ukuqhathanisa akucacile.
I-Kite njengenkundla yokuhweba inikeza izici eziningi ezisiza abatshalizimali abaphakathi ukunqoba ubunzima bemakethe.
Indawo eyodwa lapho uKite eyinkosi engaphikiswa Amashadi Edwala. Ngisebenzise amapulatifomu amaningi, futhi ayikho esondela ekusebenziseni kalula nasekuqondeni okunikezwa yi-Zerodha.
Ishadi le-Rock lifundeka kalula. Unawo wonke ama-legends ashiwo ngokucacile. Idatha yomlando ibuyela emuva eshumini leminyaka eledlule, elinganikezwa yinoma yiluphi olunye uhlelo lokusebenza kulolu hlu.
Ungashintsha phakathi kosayizi wekalishi ngokuyicindezela bese ubheka phezulu nezinqe ngomzuzu. Uma uqala njengomhwebi wosuku lwangaphakathi, sebenzisa i-Zerodha ngaphambi kwanoma yini enye.
Kunezici eziningi ezinikezwa yiKite kuphela, okwenza kube ukukhetha okunzima kakhulu ukuziba:
- Ideshibhodi enembile yokuphatha iphothifoliyo
- Ukufinyelela okusheshayo kusitoko esiyintandokazi usebenzisa isici sohlu lokubuka
- Ukufinyelela ezintweni eziyisisekelo zesitoko njengedatha yenkokhelo yezabelo (i-Kite kuphela enalesi sici)
- Isandiso se-Chrome (ukufinyelela ngokuchofoza okukodwa kudeshibhodi yakho ye-Kite)
- Ungakwazi ukwengeza izimali usebenzisa i-UPI noma i-Netbanking
- Can bathenge amabhondi egolide, ama-ETF, nama-IPO asebenzisa inkundla efanayo
- Izinketho zokutshala izimali zempahla
- Ukufinyelela kalula kudatha efana ne-P&L, isivuno sembuyiselo, izenzo zebhizinisi, umlando wenkampani, nokuningi
- Izinketho eziningi zokuhweba ezihlanganisa i-CNC, i-MIS, i-AMO, ne-RGLR
Nge-Kite, ungafaka ama-oda emakethe angemuva kokuthenga kwe-CNC kanye ne-MIS.
Ukuhweba kwangaphakathi kosuku kulula, kungcono kunanoma iyiphi enye inkundla ekhona. Unokufinyelela okusheshayo kumashadi e-Rock amaningi afana namakhandlela, i-Heujib Ashi, i-Renko, i-Point &Figure, i-Kagi, i-Line Break ne-Baseline, njll.
Amashadi enziwa ngendlela oyifisayo ngokugcwele. Ungenza ngokwezifiso ishadi futhi uligcine njengesifanekiso ongasisebenzisa njalo. Kunenkinobho esheshayo phezulu kwamashadi ukuze uthathe isifinyezo semakethe yamanje.
Usebenzisa uhlelo lokusebenza lwe-Kite lwe-iOS noma i-Android, ungashintsha ngokushesha phakathi kwama-oda akho alindile kanye nafakiwe. Iphinde ikuvumela ukuthi uhlole iphothifoliyo yakho, izikhundla ezibukhoma kanye nokubamba.
Ngokusebenzisa uhlelo lokusebenza olufanayo, ungatshala imali emakethe yezimpahla. Khumbula
I-Zerodha iwuhlelo lokusebenza olufanele lokutshala izimali kubo bobabili abaqalayo nabatshalizimali be-pro. Imali yokuvula i-akhawunti yi-RS. 300 flat kanye RS. 300 ngonyaka kusukela ngonyaka ozayo.
Okuwukuphela kwe-con Zerodha encane evame ukuba nayo ukuvala shaqa okuphindaphindiwe kanye nezikhathi zokuphumula. Kuvamile ukuthi uhlelo lokusebenza lwe-Zerodha's Kite ne-Console ukuthi lihambe lingaxhunyiwe ku-inthanethi imizuzu embalwa njalo ngeviki.
Dala i-Akhawunti yakho ye-Zerodha
Imali ye-Paytm
Imali ye-Paytm yintsha emakethe,
Kodwa ngisho nangemva kokuba umuntu omusha, inokwethenjwa komkhiqizo we-Paytm. I-Paytm ingelinye lamabhrendi amakhulu ezezimali e-India.
Inamabhange okukhokha, izikhwama zeselula, i-UPI, futhi manje nemali ye-Paytm.
I-Paytm Money iwuhlelo lokutshala imali olwenzelwe abatshalizimali abasaqalayo kanye nomuntu ojwayelekile, njengoba inkampani isho. Ungatshala ku-Mutual Funds kanye nasezitokweni usebenzisa uhlelo lokusebenza olufanayo.
Kulula ukuyisebenzisa, isikhathi sokuphumula siqinile njengoba singatholi ukucasuka okujwayelekile njengoZerodha.
Iphinde ibhekane nama-ETF, okuphuma kokunye, kanye nama-NPS futhi.
Ukuhweba kulula nge-Paytm Money ngenxa yedeshibhodi yayo esebenziseka kalula namashadi ekhandlela.
Ukulethwa kwesitoko kumahhala. Uzokhokhiswa u-RS.10 kukho konke okwenziwa phakathi nosuku. Azikho izindleko zokulethwa kwe-CNC.
Ungahlola ishadi elinemininingwane yamanani okuhweba amasheya akhokhiswa imali ye-Paytm kuleli khasi.
Uhlelo lokusebenza lubonisa imininingwane yenkampani enemininingwane, okuyintandokazi yami nengxenye ebalulekile yokutshala imali.
Kungani kufanele usebenzise uhlelo lokusebenza lwe-Paytm lwemali:
- Izinkokhelo eziphansi ngokuthengiselana ngakunye kwabahwebi be-intraday
- Idatha yemakethe ebukhoma kuhlelo lokusebenza lweselula
- Ideshibhodi enembile yabaqalayo
- Qedela ukuhlaziya iphothifoliyo ukuze uqonde ukuthi imali yakho itshalwe kuphi nokuthi utshalomali lwakho luhluke kangakanani
Ungakwazi futhi ukuqala i-akhawunti ye-NPS futhi wakhe ikhophasi yomhlalaphansi usebenzisa imali ye-Paytm. Funda ukuthi kungani i-NPS ingutshalomali olufanele lweMillennials.
Sekukonke i-Paytm Money iwuhlelo lokusebenza oluhloniphekile lwabaqalayo ukuze baqale.
Nokho, awukwazi ukuthenga i-Sovereign Gold Bonds noma wenze ibhidi ye-IPO usebenzisa i-Paytm.
Dala i-akhawunti ye-Paytm Money
I-ETMoney
Uma ungumuntu ongenantshisekelo kumakethe yamasheya, i-ETMoney ingase ibe uhlelo lokusebenza olungcono kakhulu kuwe.
I-ETMoney wuhlelo lokusebenza olulula olukuvumela ukuthi utshale izimali ezihlangene, i-NPS, thenga impilo kanye nomshwalense wempilo wesikhathi eside, futhi utshale kwezinye izinketho zokutshala izimali ezingashintshisani.
Ngamafuphi - ungatshala kunoma yini usebenzisa I-ETMoney, ngaphandle kwemakethe yamasheya.
Kuyinkundla encane futhi elungele abaqalayo ukuphatha konke ukuthenga kwakho okutshalile kanye nomshwalense.
Inkundla ye-ETMoney isebenza njengomfundisi wokutshalwa kwezimali. Uzothola izinketho ezahlukene ongatshala kuzo kuye ngokuthi yiziphi izinjongo zakho.
Isibonelo, uma inhloso yakho kuwukulondoloza intela, i-ETMoney izophakamisa i-ELSS mutual funds, ukutshalwa kwezimali kwe-NPS. I-FD yokulondoloza intela noma i-PPF.
Ngakho-ke kwenza kube lula kakhulu ukwenza isinqumo esilungile sokuthi uzoyibeka kuphi imali yakho nokuthi isikhathi esingakanani. Ngoba khumbula, zonke izinhlelo zokutshala izimali zokonga intela zivaliwe isikhathi esingekho ngaphansi kweminyaka emi-3.
Konke ukutshalwa kwezimali kwe-mutual fund okwenziwe nge-ETMoney kuqondile. Lokho kusho ukuthi akukho brokerage phakathi kwe-mutual funds kanye nemali yakho.
Ezinye zezici ezinhle kakhulu ze-ETMoney:
- Ukutshalwa kwezimali okuhlukahlukene - I-ETmoney inikeza amafomethi amaningi wezinhlelo zokutshala izimali. Ngokungafani nabanye abakulolu hlu, ungatshala imali ku-PPF, izinhlelo zikahulumeni, imishwalense kanye nezikhwama ezihlangene. Zonke zisebenzisa uhlelo lokusebenza olufanayo.
- I-LoanPass - nge-LoanPass, ungathola imali mboleko eminingi esitembuni esisodwa sokugunyaza. Umnikelo we-ETMoney okhethekile.
- I-tracker yezindleko - phatha ngobuhlakani izindleko zakho zansuku zonke kuye zonyaka nge-automation.
- Amathuluzi nezibali - Uthola ukufinyelela kumathuluzi ahlukahlukene ezezimali nezibali ukuze ubale imbuyiselo, uhlele umhlalaphansi, uthole amaphuzu esikweletu, wonge intela, nokuningi.
Uma ukutshala imali ezimakethe zesitoko kungeyona into ehamba phambili kuwena, i-ETMoney iwuhlelo lokusebenza olumangalisayo ongaluziba. Ngingancoma kakhulu ukuthi uyizame.
Isebenza futhi njenge-a i-tracker yezindleko zomuntu siqu. Ilanda ngokuzenzakalelayo okwenziwayo kwakamuva ngokufunda imilayezo futhi ikuhlukanise ngokwezigaba ngokufanele.
Ungathola umbiko onemininingwane yokuthi ubusebenzisa malini nyanga zonke, nsuku zonke, noma masonto onke.
Dala i-akhawunti yakho ye-ETMoney
I-Upstox
I-Upstox ingenye inketho enhle yokutshala imali emakethe yamasheya.
Kuyinketho ehloniphekile uma i-Zerodha ingahambisani nezidingo zakho.
I-Upstox iyathuthuka uma kuqhathaniswa. Sebeqalile ukupholisha izinkonzo zabo.
Izici eziyinhloko ze-UpStox:
- Tshala ezitokweni ze-CNC ukuze uthole amashaji
- Imali ephansi ye-RS. 20 nge-intraday transaction ngayinye (kungakhathaleki inani lokuthengisa)
Ipulatifomu iyisisekelo kakhulu, kodwa iyinkimbinkimbi. Banezinhlelo ezimbili abangakhetha kuzo.
Ungakhetha i-Upstox Basic noma Okubalulekile. Uhlelo oluyisisekelo luzodingeka ukuthi abasebenzisi bakhokhe ama-Rs 20 ngokuhweba kwansuku zonke kuyilapho abasebenzisi Okubalulekile bazokhokha ama-Rs 30.
Abasebenzisi ababalulekile bathola ukwesekwa okungcono kanye nemajini ephezulu uma kuqhathaniswa nohlelo oluyisisekelo.
I-Upstox inedeshibhodi enhle futhi ishadi lemakethe lifundeka kalula. Ungatshala ku-mutual funds usebenzisa iwebhusayithi noma uhlelo lokusebenza.
Ungakwazi futhi ukutshala izimali ezimpahleni usebenzisa i-Upstox.
Kodwa awukwazi ukuthenga ama-ETF, ama-IPO, noma i-Sovereign Gold Bonds.
Akulula kangako ukuqalisa. Ideshibhodi ayincane futhi kunejagoni.
Ukusekelwa kubuthakathaka. Kuzodingeka ulinde isikhathi esanele ngaphambi kokuba uthole impendulo.
Ngakho-ke i-Upstox akuyona eyabaqalayo. Okwabatshalizimali asebemnkantshubomvu abafuna inkundla entsha abangazama kuyo izandla.
Into eyodwa okumele uyiqaphele: I-UpStox izohlala ikukhokhisa imali yokuyilungisa, okuholela ekutheni ibhalansi yakho yezibambiso ihambe kabi uma ungahwebi njalo.
ICICI Ngqo
Ngenkathi i-ICICI Direct iguqule umdlalo kubatshalizimali abamaphakathi ngezibuyekezo zayo eziqhubekayo kanye nokusebenziseka kalula, ayizange ngempela iyixazulule inkinga yomtshali-zimali omaphakathi.
Yize i-ICICI Direct inohlelo lokusebenza, angilufaki kulolu hlu futhi angiluncomi kubatshalizimali bokuqala.
Uhlelo lokusebenza lwe-ICICI Direct akulula ukulusebenzisa njenge-Zerodha noma i-Khulisa.
Kodwa uma une-akhawunti yasebhange ye-ICICI, bhalisela i-akhawunti ye-ICICI engu-3-in-1. Ngemuva kokuthi i-akhawunti yakho isigunyaziwe shayela ibhange lakho bese ubuza ukuthi lingakwazi yini ukukuhoxisa izindleko zakho zonyaka futhi behlise nezindleko zokuhweba.
Lokhu kuzokuvumela ukuthi wonge imali eyengeziwe ekuhwebeni nasezinkokhelweni zonyaka.
Ngethemba ukuthi ulutholile uhlelo lwakho lokusebenza olufanele lokutshala imali kulokhu okuthunyelwe.
Ngingancoma ukuthi uzame Khulisa noma i-ETMoney kuqala futhi kancane kancane ushintshele ku-Zerodha – Lena inkundla engcono kakhulu etholakalayo okwamanje.
Uma unemibuzo, yibuze esigabeni sokuphawula esingezansi.
yash
Out of zerodha & grow,Iyiphi elungele isitoko (delivery only, no intraday),direct mf. Ingabe kokubili kunikeza umbiko wenzuzo enkulu, umbiko wokuthengiselana mahhala?
Aayush Bhaskar
Zerodha! Akukho ukuqhathanisa phakathi kwe-Zerodha nanoma iyiphi enye i-brokerage ekumeleleni okubonakalayo kwedatha nokubika.
sejal jain
Hi Aayush,
siyabonga ngokubuyekezwa kwakho njalo kanye nezimpendulo ngezinhlelo zokusebenza zeminyaka emisha . Bengifuna ukuqonda ukuthi ngokombono wakho kungaba yini into elandelayo engcono esikhaleni se-fintech engaqhudelana nayo - i-Zerodha kanye ne-Khulisa.
kukhona ama-fintech amaningi azama ukwenza uphawu lwawo kulesi sikhala. Ingabe i-Advisory on Technology ingadlala indima ebalulekile ekuphazamiseni imakethe?
ukuphawula kwakho pls
Aayush Bhaskar
Hi Sejal,
Umbuzo omuhle kakhulu lowo.
Nginethemba elikhulu nokuzethemba nge-INDmoney. Baneqembu elifanele kanye nekhono lokuba yinto enkulu elandelayo eminyakeni emihlanu ezayo. Ngingabona izinhlelo zokusebenza ezimbalwa ezihlukile ezingangena esikhundleni se-Groww okuhlanganisa ne-INDmoney.
Benginethemba elikhulu ngohlelo lokusebenza olubizwa nge-FirstStock ngenkathi ngiqala ukuzwa ngabo, kodwa balahlekelwe umkhondo kusukela ngaleso sikhathi.
Kodwa i-Zerodha, azinakuthathelwa indawo yinoma yiluphi uhlelo lokusebenza lwe-fintech noma nini maduze. Balula, abanandaba nabaqhudelana nabo futhi bagxile kakhulu kumakhasimende abo. I-Smallcase izoduma kakhulu kubatshalizimali abasebasha lapho ekugcineni bebona ukuthi ukukhetha amasheya ngaphandle kokutshala imali esikhwameni esihlukahlukene kuyingozi okungekho muntu okufanele ayithathe.
Anginalo ithemba kumasevisi Okweluleka.
Okokugcina, i-Artificial intelligence kuzoba isici esibalulekile esikhaleni se-Fintech. Noma yiluphi uhlelo lokusebenza olusebenzisa i-AI ne-ML ukusiza/ukweluleka abatshalizimali kanye nokunciphisa ukungqubuzana phakathi kwabatshalizimali namathuluzi okutshala imali lizowina kakhulu.
Dalbir Singh
Kuhle ukufunda ukuhlaziya kwakho okujulile. Ngiyawubonga umsebenzi wakho.
Ngaphandle kwezinhlelo zokusebenza zokutshala imali/ zokuhweba, ungaphinde uncome abeluleki abangcono kakhulu bokutshalwa kwezimali njengeValue Research, Prime Investor noma yimuphi omunye emkhakheni.
Ngiyabonga