Ungathatha imali ebolekiwe emasheya otshalile ngamabhange amakhulu nama-NBFC, afana nalawa:
- Izibambiso ze-ICICI
- Izibambiso ze-HDFC
- I-Aditya Birla Capital
- Motilal Oswal
- I-Bajaj Finance
Kodwa lawa mabhange, ama-NBFC, ngokuvamile ngeke abe indlela engcono kakhulu yokuthola imali ebolekiwe ngokutshala izimali zakho, ikakhulukazi uma ungumuntu osaqalayo. Inqubo ihlale iyinde. Kufanele ukhulume nabaphathi, uxoxisane futhi udlule amathani wamaphepha.
Ngakho-ke, ngezansi amanye amapulatifomu ongabheka kuwo ukuze uthole amanani enzalo angcono, ukusekelwa kwamakhasimende, kanye nakho konke okuhlangenwe nakho okungcono. Uma kuqhathaniswa namabhange.
ImaliJar
I-MoneyJar cishe iyindlela elula yokuthola imali mboleko ngokutshala izimali zakho ze-mutual fund. Nokho, kunesigatshana esisodwa esiyisibopho:
- Udinga i-akhawunti yasebhange ye-HDFC esebenzayo.
- I-CAMS kuphela ehlinzekwayo izimali zomphakathi ziyasebenza emalimboleko.
Nge-MoneyJar, ungathola imali ebolekiwe ngokutshalwa kwezimali nganoma iyiphi i-AMC ene-CAMS njenge-RTA yayo, njenge-ICICI, Aditya Birla, HDFC, DSP nokuningi.
Nokho, ama-AMC afana ne-Axis Mutual Fund ngeke afaneleke ukuthola imali ebolekiwe nge-MoneyJar njengoba i-RTA yayo kuyi-Kfintech, phambilini eyayaziwa ngokuthi i-Karvy.
Lena inkundla engcono kakhulu yokuthola i-mutual fund overdraft loan uma umusha ngokuphelele kulokhu futhi ufuna ukugcina yonke into ilula. Ngeke kudingeke ukhathazeke ngamaphepha amaningi, izingcingo noma ukuhamba ngenqubo ende. Kulula njengoba ingakuthola nge-MoneyJar.
Udinga ukugcwalisa ifomu lesicelo, uhlole ukufaneleka kwakho, futhi ochwepheshe be-MoneyJar bazoxhumana nawe lapho isicelo sakho sicutshungulwa. Kuyidijithali ephelele, ayikho inqubo yamaphepha futhi ngeke kuthathe amaviki ukucutshungulwa.
Uma umkhawulo wakho we-overdraft usubekiwe, ungakhetha ukuthi lingakanani futhi lingakanani inani le-overdraft ekhishiwe ofisa ukulidlulisela ku-akhawunti yakho yasebhange ye-HDFC. Inzalo isebenza kuphela enanini olisebenzisayo kusukela kumkhawulo we-overdraft. Hhayi kuyo yonke imali yemalimboleko eyabelwe wena. Ukuthi ungakanani umkhawulo we-overdraft owusebenzisayo kukuwe ngokuphelele.
– Uma ungumuntu osaqalayo, i-MoneyJar iyindawo engcono kakhulu yokuthola imalimboleko uma uqhathanisa nezimali zakho ezihlangene.
INDmali
Empeleni, i-INDmoney iyi-a uhlelo lokusebenza lokulandela iphothifoliyo/lokutshalwa kwezimali. Nokho, banikeza izinsiza zehhovisi lomndeni, ngakho ngicabange ukuthi ukuzifaka kulolu hlu kuzoba nengqondo.
Nge-INDmoney, ungathola imalimboleko kuma-mutual funds ngenqubo esemthethweni nende kakhulu uma iqhathaniswa ne-MoneyJar.
Futhi kuzokubiza kakhulu.
Okokuqala, uzodinga ukubhalisela uhlelo lobulungu be-INDMoney oluqala ku-INR 999/ngenyanga futhi ngemva kwalokho kuzodingeka ukhokhe noma yiziphi izimali/izinkokhiso ithimba lehhovisi lomndeni le-INDmoney ekucela ukuba uzenze.
Khumbula, lapha uzoba nethimba lochwepheshe bezezimali abazokusiza. Bazonakekela izintela, inqubo yokuboleka imali, amaphepha kanye nanoma yini enye edingekayo ukuze uthole imali ebolekiwe.
Isigaba somthetho esiyisibopho sokuthola imali ebolekiwe ekutshaleni kwakho imali nge-INDmoney siwukuba Isikolo sesikweletu se-CRIF esingu-750+.
Akukhona nje kuphela ukuthi ungathola imali ebolekiwe ngokumelene nezimali zakho ezihlangene, kodwa i-INDmoney izokusiza ukuthi uthole imali mboleko kwezinye izimpahla zakho zokutshala izimali.
Ngakho-ke, uma udinga imali ebolekiwe ngokumelene nezimali ezihlanganyelwe kanye nezinye izimpahla kuphothifoliyo yakho kuyilapho unethimba lochwepheshe elizokusiza, i-INDmoney ingaba yisinqumo esihle.
Zerodha Capital
Ungase wazi ukuthi i-Zerodha ihlinzeka ngemajini ngokumelene nempahla ethenjisiwe, kodwa futhi ihlinzeka ngemalimboleko emalini egcinwe ngaphansi kwe-akhawunti yakho ye-Demat.
AbakwaZerodha basanda kwethula inkampani yabo engaphansi kwe-Loan Against Security ebizwa ngeZerodha Capital.
Uma une-akhawunti ye-Demat futhi unamasheya, izimali ezihlanganyelwe, noma ezinye izinto zokutshala izimali ezixhunywe ku-akhawunti yakho ye-Zerodha - I-Zerodha Capital iyindlela elula yokuthola imali ebolekiwe ngokutshalwa kwezimali kwakho.
Kuyinqubo yedijithali ngokuphelele. Okufanele ukwenze ukufaka isicelo seZerodha Capital, uxhume i-akhawunti yakho, usayine amaphepha okubolekwa ngedijithali futhi inani elikhishiwe lizofakwa ku-akhawunti yakho yasebhange.
Izinga lenzalo elinikezwa yi-Zerodha Capital kusukela ngo- I-XNUMi-Okthoba i-26 ingu-10.5% ngonyaka, ephansi kune-MoneyJar. Bakhangisa leli zinga lenzalo njengoba lilungisiwe. Kodwa-ke, ngaphansi kwesigaba se-FAQ, u-Zerodha uthi bangashintsha inani lenzalo ngokusekelwe ezimweni zezomnotho.
Kuzodingeka uqiniseke ukuthi ufunda imigomo nemibandela ngokucophelela ngaphambi kokukhetha ukubolekwa imali ngezibambiso. Ngiphakamisa ukuqasha ummeli uma uthatha imali ebolekiwe ngezinjongo zebhizinisi noma engaphezu kuka-INR 15 Lakhs.
Yilokho kuphela - lezi yizindawo ezintathu ezingcono kakhulu zokuthola imalimboleko kuma-mutual funds.
Ngazise uma unemibuzo.
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