I-Neobanks iza nokushintshashintsha ngokugcwele eNdiya.
Futhi kuhle ukubona yonke imibono emisha kanye nokuphothulwa abakulethayo. Ngoba leli yikusasa, hhayi uhlelo lwamabhange oluvamile esinalo njengamanje. Lawa ma-Neobanks kulula ukuwaqalisa, aphephile ngokulinganayo, futhi ayonga kakhulu.
Nawa amanye ama-Indian Neobanks aphezulu ongazama izandla zakho kuwo. Lokhu akufani nolunye uhlu lwe-Neobanks - ngibale lezo zinhlelo zokusebenza ezisebenzayo kuphela, futhi ezinesisekelo somsebenzisi esihloniphekile.
Futhi cha, i-Paytm Payments Bank akuyona enye yazo.
Ngaphambi kokuthi singene ohlwini, nasi isingeniso esincane mayelana ne-Neobanks.
Iyini i-Neobank?
I-Neobank iyibhange ledijithali kuphela elingenabo ubukhona bangempela. Alikho igatsha lapho ongafaka khona ukheshi, akukho maphepha, akukho kuvakasha ngokomzimba.
Kodwa i-Neobank ayilona ibhange empeleni uma uthatha imithetho ye-RBI ebhalweni. Eqinisweni, noma yiziphi izinsiza kulezi ezingezansi azisho ukuthi ziyibhange. Izinhlelo zokusebenza zezezimali namasevisi. Abanayo ingqalasizinda yokubamba amadiphozithi akho.
Lawa maNeobanks asebenzisa amanye amabhange ajwayelekile njengomgcinimafa wawo, ngomqondo ongokomfanekiso. I-akhawunti yakho enalawa ma-Neobanks isingathwe futhi ilawulwa izikhungo zezezimali i-RBI enikezwe ilayisense njengamabhange. Njenge-HDFC, nebhange le-ICICI.
Imali oyifakile ku-akhawunti yakho ye-Neobank ilawulwa futhi icutshungulwe ibhange likazakwethu. Cabanga ngenombolo ye-akhawunti yakho ye-Neobank njengommeleli phakathi kwakho, i-Neobank nebhange elinguzakwethu.
Konke lokhu okwenziwa yi-Neobanks ukwenza yonke into ibe lula kumakhasimende abo. Awudingi ukudlula amathani wamaphepha. Ukusekela kuyashesha kunamabhange avamile; uhlelo lwabo lokusebenza lungolwesimanjemanje, futhi asikho isidingo sokuthi ukhokhe amathani ezinye izimali.
Futhi yingakho isizukulwane sami sikuthanda.
Ake siqale uhlu lwethu lwe-Neobanks ehamba phambili eNdiya.
1. Fi. (Fi.Money)
I-Fi kwaba yi-Neobank yokuqala enganginentshisekelo kuyo. Ngaphambi kokwethulwa kwayo, sasinamabhange endabuko edijithali noma amaphrojekthi esikhashana asheshe aphelelwa ibhizinisi ngenxa yezizathu ezihlukahlukene, okuhlanganisa ukuhluleka ukumaketha.
Isibonelo esihle kakhulu yi-IDFC Niyo. Babenomkhiqizo omuhle kakhulu kodwa bahlulekile ukuwumaketha ezithamelini ezifanele.
Kodwa i-Fi yenza khona kanye lokho obekufanele kwenziwe - iqondise esizukulwaneni esisha futhi ibanike lokho abakudingayo. I-akhawunti yokonga yamahhala, imiklomelo ye ukonga imali, i-UX enhle kakhulu, futhi awekho amaphepha.
Futhi bawudlulisele ngempumelelo umyalezo wabo ezithamelini ezifanele.
I-Fi ibambisene ne-Federal Bank. Lokhu kusho ukuthi uma uvula i-akhawunti yokonga nge-Fi, empeleni uvula i-akhawunti ne-Federal Bank.
Bane-UX enhle futhi i-Fi App ibukeka icocekile. Okwamanje itholakala kuphela kuma-smartphone e-Android. Kuze kube manje, kube nentuthuko esebenza kakhulu futhi abasebenzisi bayithandile.
Ukuvula i-akhawunti kuqondile. Udinga ukubhalisela uhlu lwabo lokulinda futhi bazokuthumela ikhodi ye-Fi.nite ongayisebenzisa ukudala i-akhawunti kuhlelo lokusebenza lwe-Fi. Nakuba ezimweni eziningi uzothola ukufinyelela okusheshayo kukhodi yakho ye-Fi.nite.
I-Fi ikuvumela ukuthi uvule i-akhawunti yokonga yebhalansi eyiziro lapho kufika ku-5 lakhs kufakwe umshwalense yi-RBI.
Kuhlelo lokusebenza, ungakwazi ukuhlaziya okwenzile okwedlule futhi. Bona ngokucacile ukuthi uchitha kuphi futhi kangakanani imali yakho eningi.
Uthola ikhadi ledebithi lamahhala, elinikwa amandla yi-VISA. Ungakwazi ukukhipha ukheshi, wenze ku-inthanethi, usebenzise i-PayWave futhi uyivimbe ngokuchofoza okukodwa noma nini lapho ufisa.
Azikho izindleko zokudluliselwa kwe-NEFT, i-IMPS noma i-RTGS. Uthola ama-checkbook angu-2 njalo ngekota mahhala. Azikho izindleko ze-forex futhi.
Uma ujwayelene nesici se-iWish sebhange le-ICICI, i-Fi inikeza into efanayo naso. Ungakha imithetho ye-FIT futhi wonge ngokuzenzakalelayo inani elimisiwe njalo lapho wenza umsebenzi. Futhi uthola umvuzo ukonga imali yakho.
Kukhona esinye isici esibizwa nge-Stash. Kucabange njengediphozi eguquguqukayo engaguquki. Ungafaka noma yiliphi inani, nganoma yisiphi isikhathi futhi uzuze inzalo engu-5.1%. Pa
Uthola ukufinyelela ekusekelweni kwengxoxo 24×7. I-Fi iyatholakala kuzo zombili izinkundla ze-Android ne-iOS.
Ekugcineni, I-Fi ineqembu elingcono kakhulu ngemuva kwayo. Iqembu elime ngemuva kwe-Fi lihlanganisa abasebenzi bangaphambili be-Google, i-PayPal, i-PhonePe ne-Paytm.
Ngikala i-Fi njenge-#1 Neobank e-India.
2. I-Jupiter (Jupiter.Money)
Jupiter iyi-Neobank edume kakhulu kusukela ngo-2021 eNdiya.
Konke sibonga ukumaketha kwabo nendlela yokwakha ibhange elinezinkulungwane zeminyaka njengephrojekthi yomphakathi.
I-Jupiter idale inkundla yokuthi abantu bajoyine futhi babelane ngezici, bahlonze iziphazamisi, futhi bahlole uhlelo lokusebenza lwe-beta, balwenze intandokazi yabalandeli.
Nge-Jupiter, uklonyeliswa ngokusebenzisa imali. Kukho konke okwenziwayo kwezindleko, uzuza u-1% njengomklomelo. Lo mklomelo ubizwa ngokuthi “amagugu” angaphelelwa yisikhathi futhi ashintshwa abe ngukheshi noma nini lapho ufuna.
Manje leso yisizathu esikhulu sokusebenzisa amakhadi edebithi e-Jupiter kanye ne-UPI. Uqinisekiswa ngembuyiselo engu-1% njalo uma usebenzisa imali, ukhokhwa ngokheshi.
I-Jupiter iphinde ibambisene ne-Federal Bank, okusho ukuthi yonke into enikezwa yi-Fi, iJupiter yenza nayo. Ukuvula i-akhawunti yokonga nge-Jupiter kulula kakhulu. Kufanele nje ugcwalise ividiyo ye-KYC futhi ufake i-INR 3000 okokuqala ngqa ukuze uthole ukufinyelela kuzo zonke izici.
Uthola ikhadi le-VISA debit lamahhala, elipakishwe kahle futhi. Azikho izindleko zonyaka, azikho izindleko zokulungisa, noma izindleko zokusebenza.
I-Jupiter inikeza imininingwane ejulile ekusebenziseni kwakho imali. Ihlukanisa ukuthengiselana ngezigaba eziningi futhi ikuvumela ukuthi uhlaziye ukuthi imali yakho iya kuphi. Indlela enhle yokubona lapho usebenzisa khona ngokweqile.
Njengoba inikwa amandla yi-UPI, i-Jupiter ingakhipha ama-akhawunti amaningi asebhange axhunywe enombolweni yakho futhi ikubonise inani eliphelele lemali yakho yamanje. Kufana nokuthi INDmali uyakwenza.
Kukhona esinye isici sediphozithi yokonga esibizwa Izimbiza.
Ungasetha imigomo ethile yezezimali futhi ufake imali kulawa Mabhodwe ngokuzenzakalelayo. Futhi uzothola umklomelo, futhi, uma uqeda umgomo wakho. Azikho izimali zokuhoxiswa, noma kunjalo.
Uma kuqhathaniswa ne-Fi, i-Jupiter izokukhokhisa inkokhelo ngemva komsebenzi we-6 we-IMPS. Kukhona nenkokhelo ye-NEFT/RTGS ngemva kokuthenga okungu-5 ngonyaka.
Ithimba elisekela i-Jupiter liyashesha, futhi linenkundla yomphakathi ekhuthele kakhulu.
I-Jupiter itholakala kuphela ku-Android, futhi uhlelo lokusebenza lwe-iOS lungaphansi kokubuyekezwa kwe-beta.
3. I-FREO.Imali (FreeLondoloza)
I-Feo ingenye iphrojekthi ye-Neobank ebengiyilandela eduze.
Isathuthukiswa, kodwa kunezici ezithile ezibalulekile ezingase zikuxake, njenge:
- Isilinganiso senzalo esingu-7% - Lokhu kwedlula i-FD kanye Nezikhwama Zezikweletu, lokho naku-akhawunti yokonga yesondlo eyiqanda.
- Umugqa wesikweletu kanye ne-akhawunti yakho yokonga.
- Ikhadi leFreo - a credit card ngezinkokhelo ezinguziro, nesikhathi esingenayo inzalo esiyizinsuku ezingu-30.
Uhlelo lwabo lokusebenza oluphambili - I-Money Tap ithuthuke kakhulu ezinyangeni ezisanda kwedlula. Uhlelo lokusebenza olukuvumela ukuthi uthathe imalimboleko yomuntu siqu esheshayo. KUZE kube manje, bakhiphe ama-INR 4,000 amacrores nge-Money Tap.
Futhi basebenzisa izifundo ezifundwe nge-Money Tap ukuze bakhe i-Freo, i-akhawunti yokonga eholwa ngesikweletu.
UFreo uzobambisana ne-Equitas Small Finance Bank.
I-Freo isengaphansi kwesigaba sokuhlola i-Alpha. Kungase kube nezinye izici ezithakazelisayo ezizayo. Uma ungathanda ukuba omunye wabasebenzisi bokuqala beFreo, ungabhalisela uhlu lwabo lokulinda ku-Freo.Money.
Kimina, kubukeka kuthembisa kakhulu futhi kunentsha.
Buyekeza - I-FreoSave ibukhoma manje.
4. I-akhawunti ye-INDmoney Super Saver
Ngemva kwezinyanga ezimbalwa ngithola i-akhawunti entsha ye-Super Saver ye-INDMoney, ngicabanga ukuthi kulungile ukuyengeza kulolu hlu lwe-Neobanks.
I-Neobank, phela. I-akhawunti ye-Super Saver ye-INDmoney inikwa amandla yibhange le-SBM.
Ngebhange le-SBM, amapulatifomu afana INDMoney futhi I-Vested ingasekela ukudluliselwa kwamahhala kwe-INR kuya ku-USD ukuze kube lula amathuba okutshalwa kwezimali kwesitoko sase-US kumaNdiya.
Nokho, le akhawunti isebenza njengawo wonke amanye ama-akhawunti asebhange. Uthola intshisekelo ekhokhelwa nyanga zonke, uthola ukufinyelela ku-inthanethi yasebhange ingosi kuwebhusayithi yamabhange e-SBM. Ngokushesha bahleka ikhadi lesikweletu elivikelekile futhi.
Awukutholi ukufinyelela ekhadini lasebhange, kodwa ngiqinisekile ngandlela thize ibhange lakwa-SBM, uma ubathinta ngokuqondile, lizokuthumelela ikhadi ledebhithi.
Ngokuqondene ne-UPI, ungayibhalisela usebenzisa noma yiluphi uhlelo lokusebenza, olufana ne-WhatsApp noma Ucezu. Vele usebenzise inombolo efanayo oyisebenzise ukuvula i-akhawunti enkulu ye-INDMoney futhi ubhalisele i-UPI kunoma yiluphi uhlelo lokusebenza oluyisekelayo.
5. NiyoX
Unganikeza futhi NiyoX I-Neobank izame. I-akhawunti yokonga yedijithali enikwe amandla yibhange le-Equitas Small Finance. Uzothola inzalo engu-7% nge-NiyoX futhi ungatshala kuyo Izikhwama Zomphakathi usebenzisa i-akhawunti yabo ye-2-in-1.
I-NiyoX inekhadi ledebithi elibukeka lipholile, kodwa limahhala onyakeni wokuqala kuphela.
I-NiyoX ayinazo izici eziningi njenge-Jupiter noma i-Fi, kodwa iyawenza umsebenzi.
Futhi ungangena ngemvume ku-akhawunti yakho ye-NiyoX nge-net banking futhi, okusele kokuthathu okungenhla okungakuvumeli ngokwendabuko. Kuzodingeka ubhalise nebhange elinguzakwabo ukuze ufinyelele i-net banking.
I-Mool.One, Fold.Money, Neo-Bank by Atlas and Finin
Angizange ngibafake kulolu hlu ngesizathu esisodwa - angilindele ukuthi bazokwazi ukuncintisana neJupiter kanye ne-Fi. Lokho kuwukuthi uma bethula umkhiqizo wabo noma nini maduze.
I-Fold.Money ibilokhu ithuthukiswa iminyaka emibili edlule. I-Finin ayinawo umsebenzi. I-Neo-Bank by Atlas isazomemezela noma yisiphi isibuyekezo esihle.
Okuwukuphela kwethemba elithembisayo yi-Mool.one. Nokho, kunesikhathi esiningi sokulinda ngaphambi kokuthi uMool ethule uhlelo lwayo lokuqala lwe-Neobank.
Yilokho kuphela.
Kunamanye ama-Neobank ambalwa e-India angazange enze lolu hlu, njenge-RazorPayX kanye ne-Neobank ka-Atlantis, okuhlanganisa nenqwaba yamabhange edijithali aqondene nombuso othize.
Ngoba la mabhange awalungile njenge-Jupiter noma i-Fi. I-RazorPayX yakhelwe ngqo amabhizinisi.
I-Neobanks iseyigama elisha lamaNdiya, ngakho-ke kuzodingeka silinde futhi sibuke ukuthi izinto zihamba kanjani njengoba izimbangi ezintsha ziza kulesi sikhala nemibono emisha nezindlela ezahlukene.
Kuze kube yileso sikhathi, i-Jupiter, i-Fi, neFreo zingama-Neobank amathathu ahamba phambili e-India.
Ngazise imicabango yakho kumazwana. Uma usebenzisa/usebenzisa i-Jupiter noma i-Fi, yabelana ngomuzwa wakho ngezansi.
Hhayi
Singasebenzisa i-Federalbank debit card cashback offer esizeni se-e-commerce, sisebenzisa ikhadi ledebithi elikhishiwe.
Aayush Bhaskar
Impela ungakwazi.
Umvini
Sicela ubuyekeze i-Niyo nayo yonke imikhiqizo yayo
Aayush Bhaskar
U-Vineeth uqinisekile, ngizomboza u-Niyo ezihlokweni ezizayo.
USayan
Ingakanani idiphozithi yokuqala edingekayo ukuze uvule i-akhawunti ku-Fi?Futhi ingabe bayakhokhisa noma iyiphi imali yesondlo kanye nemali yokukhishwa kwekhadi ledebhithi?
Aayush Bhaskar
Lutho – yi-akhawunti yebhalansi enguziro uma uyivula okwesibili. Kodwa batusa ukuthi kugcinwe okungenani okungu-3,000. Futhi akukho zindleko zanoma yini ehlobene namakhadi.
Seema
Ingabe noma yisiphi isakhamuzi saseNdiya esineminyaka engaphezu kwengu-18 singakwazi ukuvula i-akhawunti e-Fi?Futhi ingabe kufanele ngifake isicelo sekhadi le-VISA ngokuhlukene?
Aayush Bhaskar
Yebo! Noma ubani angakwazi ukuvula i-akhawunti ye-Fi. Babe nesheke eliqinile le-PF ezigabeni zokuqala. Nokho, selokhu kwaba isheke elithambile ngokwazi kwami. Futhi uzothola ikhadi lakho ledebithi ngaphandle kwenqubo eyengeziwe.
URicha
Ingabe imininingwane ye-Aadhar iyadingeka ukuze uvule I-akhawunti yasebhange ye-Neo?
Aayush Bhaskar
Yebo! kokubili i-Aadhaar ne-PAN.
S Garain
Iyiphi i-Neo Bank engasetshenziswa kuwebhusayithi? Ngiyaqonda ukuthi i-Fi ne-Jupiter ingasetshenziswa ku-Mobile App kuphela.
Aayush Bhaskar
Ungasebenzisa i-net banking ye-Federal Bank uma uku-Fi noma i-Jupiter. Nokho, okuwukuphela kwe-neobank ongafinyelela kuyo (okwamanje) usebenzisa isiphequluli sedeskithophu i-AceNeobank (ngikholwa ukuthi iyatholakala ezindaweni ezilinganiselwe) kanye ne-Open.Money – eyebhizinisi kuphela.