Bangaki phakathi kwenu ababengatshelwa ngabazali benu ukuthi baye ebhange bayofaka imali ebhange?
Yebo, ngiyakuzwa uthi “kungani?”.
Ubuchwepheshe kanye nokuqanjwa kabusha kweBhange kuguqule izimpilo zethu futhi konke kuzamazamisa umhlaba wemali nobuchwepheshe, kuchaza kabusha indlela esisebenzisana ngayo sodwa ngokwezimali.
Futhi ayikaqali nokuqala.
Amabhange nezikhungo zezezimali zilungiselela isizukulwane esilandelayo samakhasimende edijithali ngokwamukela ubuchwepheshe obusha, obufana ne-AI, ukufunda ngomshini, i-blockchain, nama-chatbots.
Ngale njongo, babambisana nabaqalayo be-FinTech ukuze bahlole izindlela ezintsha nezintsha zokuthuthukisa ulwazi lwamakhasimende.
Kulesi sihloko, ngizobuyekeza yonke imikhiqizo ehlinzekwa yi-Niyo Solutions Inc. - i-Fintech ehamba phambili yase-India, eyenza ukubhange kube lula futhi kuhlakaniphe ngokubeka i-akhawunti yakho yasebhange, ukutshalwa kwezimali, namakhadi okukhokha endaweni eyodwa.
Mayelana noNiyo
Unyaka wokusungulwa: 2015
abasunguli: UVinay Bagri noVirender Singh Bisht
Abatshalizimali Abaphezulu: Tencent, Social Capital, Horizon Ventures, Prime Ventures Partners, kanye ne-JS Capital
Inombolo yamakhasimende: Amakhasimende angaphezu kwezigidi eziyi-1.5
Imikhiqizo: NiyoX, Niyo Global, Niyo Bharat, Niyo Imali
Ngihlole yonke imikhiqizo emangalisayo evela kwa-Niyo.
Nasi isibuyekezo sami se-Niyo ne-NiyoX kanye neminye imikhiqizo ye-fintech abayinikezayo.
NiyoX (Yaziwa nangokuthi i-NiyoX-Equitas)
Njengomuntu wami weminyaka eyinkulungwane, ngiyazi ukuthi kucasula kanjani uma ufuna ukuvula i-akhawunti yasebhange, kodwa kufanele ukhethe phakathi kokuya egatsheni lebhange mathupha noma ukusebenzisa i-App ehamba kancane yeselula.
Aseneme ngohlelo lwamabhange. Sikhononda ngokuthi kubiza kakhulu, kuhamba kancane, futhi akunikezeli ngezinketho ezikahle ezanele.
U-Niyo usebenzisane ne-Equitas Small Finance Bank ukwakha i-NiyoX - i-Neobank.
I-NiyoX izama ukuxazulula lezo zinkinga ngokuhlinzeka nge-akhawunti ye-Neobank engu-2-in-1 enakekela kokubili ukonga kwakho nokutshalwa kwezimali.
Inikeza i-Akhawunti Yebhange engenawo amakhomishini angenawo izimali zomphakathi kanye nenzalo efika ku-7% ngonyaka ekongeni.
Nazi izici ezinhle kakhulu ze-Akhawunti ye-NiyoX:
- Uzothola i-Akhawunti Yokulondoloza Ibhalansi enguZiro ('akukho kugcinwa kwebhalansi encane')
- Ngeke kudingeke ukhokhe noma yiluphi uhlobo lwekhomishini ngenkathi uthenga i-Direct Izikhwama Zomphakathi nge-NiyoX ('0% Commission on Mutual Funds')
- Uthola kufikela ku-7% Inzalo* ku-Savings yakho
*3.5% kufika ku-Rs 1lac,
6% ngaphezu kwama-Rs. 1lac futhi kufika ku-Rs. 5 lacs,
7% ngaphezu kwama-Rs. 5lacs kuze kufike kuRs. 50 lacs,
5.5% ngaphezu kwama-Rs. 50 lacs
- Esinye sezici eziyingqayizivele engizithanda kakhulu ukuthi ungakhetha umklamo ekhadini lakho lasebhange elifanelana Nobuntu bakho.
- Ungakhetha ukutshala ngokuzenzakalela ushintsho olusele njalo uma uchitha. Uhlelo luzotshala ngokuzenzakalelayo ushintsho oluyisipele lapho lunqwabelana ku-Rs. 100/-
- Ihlinzeka ngomshwalense ongafika ku- ₹5 Lakh ombozwe yi-DICGC, inkampani ephethwe ngokugcwele ye-RBI.
- Ungakwazi Ukukhiya/Ukuvula ikhadi lakho noma Ukusetha/Ukusetha Kabusha Iphinikhodi Yekhadi lakho ngokwakho ngohlelo Lokusebenza.
- Esinye isici esisha ukuthi ungakwazi ukufihla ibhalansi yakho esikrinini ku-Mobile App ngokunyakazisa isandla sakho.
- I-NiyoX App iza nohlelo lwe-Equinox Reward futhi ungathola nemivuzo ngokudlulisela abangani bakho.
Ezinye izici ezimbili ezijabulisayo ezizayo maduze yilezi:
- Ungangenisa futhi ulandelele yonke iphothifoliyo yakho ye-Mutual Fund kalula kuphothali eyodwa okungukuthi i-NiyoX.
- Ungatshala imali ku-FD futhi uzuze Amazinga Enzalo ajabulisayo.
Inye kuphela inkinga engiyithole kokuhlangenwe nakho okuphelele ukuthi I-NiyoX ayitholakali okwamanje I-Andaman & Nicobar Islands, Arunachal Pradesh, Assam, Bihar, Dadra & Nagar Haveli, Daman & Diu, Goa, Jammu & Kashmir, Jharkhand, Lakshadweep, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Sikkim, Tripura, West Bengal & Eastern UP .
Isiqinisekiso: I-Akhawunti Yebhange Yedijithali phakathi nemizuzwana eyi-100 usebenzisa i-PAN ne-Aadhar kuphela kuyisimangaliso.
Ngakho-ke i-NiyoX ishintsha izimpilo futhi iyanconywa 100%.
Ngaphezu kwalokho, esikhathini esizayo, i-Niyo ingase ibambisane namabhange amaningi ukuze ilinganise futhi ikhulise ukufinyeleleka kwayo. Ukuze uthole imininingwane eyengeziwe, chofoza lapha ukuthola imigomo nemibandela ye-NiyoX.
Chofoza ngezansi ukuze ulande i-NiyoX App futhi uvule i-akhawunti ku-inthanethi
Niyo Global
Uma uhamba phesheya kaningi, khona-ke ukuba nekhadi le-Forex kungaba umsindisi wempilo.
Ukuba nemali efanele kubalulekile ngenxa yezinga eliphezulu olikhokhayo ekuguquleni. Futhi, ukuphatha imali yonke indawo akulungile - ilahleka kalula futhi kube umthwalo esikhwameni sakho.
Amakhadi e-Forex anenzuzo yokukuvumela ukuthi uguqule izinhlobo zemali ezimbalwa zibe uhlobo lwemali olulodwa, ngakho-ke akudingeki ubhekane namakhadi amaningana ahlukene ohambweni lwakho lwamazwe ngamazwe.
I-Niyo Global iyikhadi elisha le-Forex elidala eliza nenqwaba yezici ezilenza lihluke, lithengeke, futhi libe ntle.
Kubafundi, u-Niyo wethule i-Forex Card yomfundi ecabangela izidingo zomfundi ofunda phesheya. Chofoza lapha Ukuze uthole imininingwane eyengeziwe.
Ake sibone ukuthi yini eyenza i-Niyo Global iphakame kunamanye Amakhadi e-Forex:
- Uzothola Ikhadi leVisa elinemali ekhokhwayo eyiziro. Akumangalisi yini? Kodwa-ke, ngingathanda ukwengeza ukuthi izimali zokushintshanisa imali ye-Visa ze-1% zizosebenza.
- Ungalayisha i-akhawunti yakho nge-INR futhi uchithe emazweni angaphezu kuka-150.
- Ukonga kubhalansi ye-akhawunti yakho kungathola imbuyiselo efika ku-5% ngenkathi usohambeni.
- Izici ezifana ne-ATM Locator, Usekelo Lwengxoxo, ne-Live Currency Converter ziyatholakala ku-App.
- Isici esihle kakhulu engisithandayo ukufinyelela kuma-Airport Lounge ahlukahlukene emhlabeni jikelele. Lokhu kunemibandela futhi kuyehluka kuye nge-akhawunti yakho.
- Ungakwazi Ukukhiya/Ukuvula ikhadi lakho noma Setha/Ukusetha Kabusha Iphinikhodi Yekhadi lakho ngokwakho ngohlelo lokusebenza.
- Ihlinzeka ngomshwalense ongafika ku- ₹5 Lakh ombozwe yi-DICGC, inkampani ephethwe ngokugcwele ye-RBI.
bawo:
- Ukwemukelwa okuphansi kwamanye amazwe afana neThailand, Indonesia, njll.
- Isici sokulayisha imali nge Ikhadi lesikweletu ayitholakali.
- Ukwamukelwa okuphansi kumasevisi afana namaCabs njll.
Isiqinisekiso: Ngokungangabazeki, i-Niyo Global ingumkhiqizo omangalisayo olayishwe izici eziningi, kodwa ngingakuncoma ukuthi uphathe elinye ikhadi le-forex futhi uma kwenzeka ukwamukelwa okuphansi kunoma iyiphi indawo.
Qaphela: Njengamanje, izinhlobo ezimbili ze-Niyo Global ziyatholakala:
I-Niyo Global DCB futhi I-Niyo Global SBM
Kukhona umehluko omncane kakhulu phakathi kwamakhadi amabili.
Ungakhetha ikhadi olithandayo. Ngifake i-Niyo Global SBM kulokhu kubuyekezwa.
Nokho, ungachofoza ngezansi ukuze uthole ishejuli yezindleko nemigomo nemibandela yawo womabili amakhadi.
- I-Niyo Global SBM Imibandela
- I-Niyo Global SBM Isheduli Yamacala
- I-Niyo Global DCB Imibandela
- I-Niyo Global DCB Isheduli Yamacala
Niyo Bharat
I-akhawunti yomholo yedijithali iwuhlobo lokukhokhelwa okusha. Ngowanoma ubani onomsebenzi okhokha ngehora noma usuku.
U-Niyo Bharat unjalo, kodwa akusona nje iholo; futhi wuhlelo lokonga kanye nohlelo lwempesheni.
Ngaphezu kwalokho, ingasetshenziswa ukubhukha uhambo, ukuthumela imali kubangani nezihlobo, ukukhokha izikweletu zezinsiza, ukuthenga izinto ku-inthanethi, futhi wenze noma yini ovamise ukuyisebenzisela isikhwama semali.
Inkundla ye-Niyo Bharat inika amandla abantu abangenamabhange e-India ngebhalansi enguziro kodwa izinsiza zamabhange ezinamandla ezikhethiwe.
Ngikuthola kuwuhlelo olulula, olunwebekayo, futhi olugcina lunika amandla izingxenye zemiphakathi enganakwa ngokwezimali ngamamodeli aqanjwa kabusha ebhizinisi lezenhlalo eliqhutshwa ithimba eliyisibonelo elinolwazi lwempilo yangempela.
Okugqamile okubalulekile ibhalansi enguziro, ukusetshenziswa kwamahhala, kanye nenkundla yokusebenzisana - enikwe amandla ukuxhumeka kwedijithali ohlelweni olusekelwe ekhadini.
Njenganoma iyiphi into entsha e-India, u-Niyo Bharat wayenempikiswano ekuqaleni. Manje azikho izinkinga nhlobo. Abantu bayayithanda.
Nalu uhlu lwezici ezinhle kakhulu ze-Niyo Bharat:
- Uzothola ikhadi elikhokhelwa ngaphambili eliyiziro lebhalansi yamahhala.
- Ingelinye lamakhadi nezinhlelo zokusebenza ezivikeleke kakhulu ezinezinketho zokukhiya/ukuvula/ukuvimba ikhadi.
- Amabhange afana ne-ICICI, Yes Bank, kanye ne-DCB abambisene no-Niyo Bharat.
- Esinye sezici engizithanda kakhulu nge-Niyo Bharat ukuthi izinketho zezilimi zomdabu eziyi-10 ziyatholakala ku-App. Ungakhetha ulimi olulungele wena.
- Ungabuka i-passbook, ulande izitatimende zangokwezifiso, futhi ukhuphule amathikithi okusekela, konke ngolimi lwakho lwendabuko.
- Ungadlulisela izimali kubasebenzisi be-Niyo ngokuchofoza okukodwa nje.
Kunenkinga eyodwa kuphela engiyitholile ukuthi i-iOS App ye-Niyo Bharat isazothuthukiswa.
isinqumo: Okwamanje isetshenziswa abasebenzisi abangaphezu kwe-11 lacs kanye nezinkampani eziyizinkulungwane eziyi-9, i-Niyo Bharat ingumkhiqizo oletha ukunethezeka nokucaca. Amabhizinisi andayo aqala ukwamukela imali yedijithali kulezi zinsuku, futhi uma ungumuntu othanda ukuthenga ku-inthanethi noma ukonga imali ngaso sonke isikhathi lapho uthenga ku-inthanethi, u-Niyo Bharat kufanelekile ukubheka!
Chofoza lapha ukulanda i-Niyo Bharat App futhi uvule i-akhawunti ku-inthanethi.
Niyo Imali
Ukwenza futhi ukonga imali kuyiphupho kwabaningi. Ukuceba akulula kangako.
Kodwa, kukhona Niyo Money ukuhlenga! I-Niyo Money uhlelo lokusebenza lokuphatha ingcebo oluhlakaniphile olukuvumela ukuthi utshale imali I-direct mutual funds (MFs), ama-ETF, kanye Amasheya.
Nge-Niyo Money, uthola izeluleko ze-Robo kubaphathi abahamba phambili bephothifoliyo ye-MF yase-India, okusiza ukukhulisa imali yakho impilo yakho yonke.
Kuzwakala kuyahlanya, kodwa u-Niyo Money ufuna ukunyakazisa imboni yokweluleka ngezezimali ngeplathifomu yokweluleka exubile kanye namarobhothi. Uhlelo lokusebenza lokuphatha ingcebo luhlanganisa ubuhlakani bokwenziwa nabeluleki babantu ukuze bakhe “ingxube yekusasa.”
Ake sibone izici ezinhle kakhulu ze-in-one utshalomali App ebizwa nge-Niyo Money:
- Ungakwazi ukutshala izimali ezingaphezu kuka-5000 ze-Direct Mutual Funds ngaphandle kwezindleko zekhomishini ezingenalutho.
- Ungakwazi ukulandelela kalula ukutshalwa kwezimali kwakho kwesikhashana kanye nesikhathi eside endaweni eyodwa. Imigomo yesikhathi esifushane yinoma iyiphi imali ofuna ukuyishintsha futhi uyisebenzise phakathi nezinyanga eziyi-12 ezizayo.
- Nge-One-Click Portfolio Rebalancing, ungakwazi ukulungisa ngokuzenzekelayo ukwabiwa kwempahla yakho ukuze ivumelane nemigomo yakho yokutshala izimali.
- Ungavula i-100% Online Ukuhweba Ngezitoko i-akhawunti engenazo izinkinga futhi kulula ukuyisebenzisa. Ukuvula i-akhawunti yakho yokuhweba ngamasheya aku-inthanethi kuyashesha futhi kulula, futhi ungavuka futhi uhwebe ngemizuzu.
- Akudingekile ukuthi ukhokhe Izindleko Zokuvula I-akhawunti Ngohlelo Lwe-Flat Brokerage olungafika ku- ₹20 ngomsebenzi ngamunye. I-Niyo Money inikeza enye yezindleko eziphansi ze-AMC embonini yonkana!
Ezinye izici ezimbili ezijabulisayo ezizayo maduze yilezi:
- Ungakwazi ukutshala izimali International Stocks njenge-Amazon, Google, njll.
- Ungatshala imali ku-FD futhi uzuze Amazinga Enzalo ajabulisayo.
Isiqinisekiso: Ngicabanga ukuthi i-Niyo Money iyinkundla enhle ye-inthanethi yabatshalizimali abafuna isitolo esisodwa ukuze baqale ngephothifoliyo yabo entsha yokutshala imali. Izimali zabo ziyaqhudelana futhi isevisi yabo yamakhasimende isebholeni.
Banikeza yonke into kusukela esitokweni kuya ezikhwameni, ngakho izinketho zakho zikhawulelwe kuphela ukuthi ingakanani imali yakho ofuna ukuyitshala. Futhi okuhle kunakho konke, bahlala bephumelele ngoba banomhlane wakho ngempela futhi bayakukhathalela ukuvikela imali yakho.
Ukuze uthole imininingwane eyengeziwe, chofoza lapha ukuthola imigomo nemibandela ye-Niyo Money.
Chofoza lapha ukulanda i-Niyo Money App futhi uvule i-akhawunti ku-inthanethi.
Imboni yamabhange ibone izinguquko eziningi emashumini eminyaka adlule, kodwa kuseyinselele ezinkampanini ezincane ukuncintisana nezinkampani ezinkulu.
U-Niyo ufuna ukugqashula lezi zithiyo, yingakho bakhe isevisi yasebhange yokugcina amabhizinisi amancane naphakathi. Kungakhathaliseki ukuthi uphatha izimali noma udinga usizo ngokugcina izincwadi zakho zihlelekile, u-Niyo unakho konke.
Izinsizakalo ze-Niyo Banking zenzelwe ukukusiza ukuthi uphathe izimali zakho futhi wenze izinqumo ezingcono kakhulu zezezimali.
Ruchi Sharma
Siyini isibuyekezo ngokwamukelwa kweNiyox Forex Card e-USA?