Ukukusiza ukuthi uqalise ngokushesha ngangokunokwenzeka, ngilungiselele lolu hlu lwezinhlelo zokusebenza ze-fintech e-India. Ihlukaniswe yaba izigaba ezahlukene.
Esigabeni ngasinye, ngizovele ngisho uhlelo lokusebenza/inkundla eyodwa ye-fintech ehamba phambili esigabeni.
Kungani?
Ngoba kunamakhulu ezinhlu ku-inthanethi lapho ungathola khona inqwaba yezinkundla ezinconyelwe ukutshala imali, ukonga, ucwaningo lwemakethe, nokuningi.
Kodwa lokhu kwenza kube nzima kumuntu osaqalayo njengoba kudala inkinga yokukhetha. Lolu akulona uhlu “Lokho Engikusebenzisayo”, akunandaba ukuthi ngisebenzisa ini.
Kunalokho, lolu hlu kufanele lukusize ukuthi ugxume futhi ngeke kudingeke ukhathazeke ngokukhohliswa, noma ukukhetha inkundla engalungile.
Lolu uhlu lwalokho ongakusebenzisa uma ungaqiniseki ukuthi kuphi, ukuqala ngokutshala imali noma ukonga imali yakho.
Ukutshala imali ku-Stock Market
I-Zerodha
I-Zerodha iyinkundla engcono kakhulu yokutshala imali ezitokisini. Akulula nje ukukusebenzisa, kodwa kungcono kakhulu kunanoma iyiphi enye inkundla yokuhwebelana ngesaphulelo eNdiya.
U-Zerodha ungumthengisi wesaphulelo, owasungulwa ngo-2010 ngu-Nithin no-Nikhil Kamath. Ibiza imali engatheni, nokuyinto abaqale bayenza eNdiya. Ukulethwa kwamasheya kumahhala futhi akudingeki ukhokhe noma iyiphi imali yanyanga zonke.
Nge-akhawunti ye-Zerodha, uthola ukufinyelela kuzinkundla eziningi zokutshala izimali ezifana nalezi:
- I-Kite - Uhlelo lwabo lokuhweba oluphambili.
- I-Console - Ideshibhodi yomqondisi wehhovisi elingemuva enolwazi lwe-akhawunti ehlanganisiwe, idatha yokutshalwa kwezimali, ukubamba, intela nokunye.
- Uhlamvu lwemali - Okuqondile uhlelo lokusebenza lokutshala imali lwesikhwama sokubambisana
- I-Varsity - indawo eyodwa yokufunda ngezezimali
Iphinde ikuvumela ukuthi uxhumane nezinhlelo zokusebenza zezinkampani zangaphandle nge-API. Okufana ne-TickerTape, ekuvumela ukuthi uhlaziye okugcinile ngaphandle kokufaka okwenziwa ngesandla futhi mahhala.
I-Zerodha iphinde inikeze ukuhweba kwempahla, ama-Futures, kanye Izinketho zokuhweba, Izinkinga zama-SGB, Okususelwe Kwemali, ama-IPO, amabhondi, ama-ETF, nemajini yezabelo ngezabelo ezithembisayo.
Iphinde ihlanganiswe nama-SmallCases. Inkundla lapho izitoko ziqoqwe zaba ithuluzi lokutshala imali elilodwa elingathengwa njengempahla ukuze kuncishiswe ubungozi futhi kuzuze imbuyiselo engcono kunebenchmark yesigaba.
I-Kite by Zerodha iwuhlelo lokusebenza oluhle kakhulu lokuhweba ongaluthola eNdiya. Alukho olunye uhlelo lokusebenza olufana nalo. Kulula, kulula ukuzulazula, kulayishwe amathani olwazi ongacwaninga mayelana nenkampani, indawo enhle yokulandela umkhondo oyibambayo, izikhundla, nokuningi.
Futhi, i-Zerodha ikuvumela ukuthi uqale ama-SIP futhi udale ama-backsets ezitoko. Njengawe nje ukutshala izimali ku-Mutual Funds ngezinhlelo zokutshala izimali zanyanga zonke, ungenza okufanayo namasheya usebenzisa i-Zerodha.
Ukutshala imali ku-Mutual Funds - oqondile Zenzele
Khula
Nge-Groww, ungaqala ukutshala izimali ezihlanganyelwe ngamaminithi. Uhlelo lokusebenza engiluthandayo lokutshala imali kukho konke engikuhlolile kuze kube manje.
I-Groww ithanda kakhulu abaqalayo futhi yenza ukutshala imali kube mnandi, kube lula futhi kungabi nazingxabano.
Ayikho imali yokulungisa i-akhawunti. Kumahhala ngokuphelele. Abakhokhisi noma yimaphi amakhomishini ekuthengeni isikhwama sokubambisana.
I-Groww ikuvumela ukuthi utshale ku-:
- Amasheya amaNdiya
- Amasheya ase-US
- Idijithali yegolide
- Imali engaguquki
- izibopho
- I-IPO
Futhi nokuningi.
Ungasetha ama-SIP, ushintshe inani lawo kanye nosuku noma nini lapho ufuna, futhi ulandelele utshalomali lwakho lwangaphandle ngaphakathi kwe-Groww. Baneqembu lokusekela elisebenzayo neliwusizo futhi.
Sekukonke, kuyindlela elula yokuqala uhambo lwakho lokutshala imali. Futhi kumahhala ngokuphelele.
Ukutshala imali ku-Mutual Funds - oqondile Isizile
ImaliJar
I-MoneyJar iyinkundla engingayincoma kubasebenzi abamatasa abaholayo. Noma abantu abafisa nje ukuqala ukutshala imali yabo kodwa bengenaso isikhathi noma intando yokufunda imakethe.
Ihluke kanjani i-MoneyJar kune-Groww?
Nge-MoneyJar awenzi “ngokuphelele” izinqumo zakho zokutshala imali. Kunohlelo olusebenzayo kanye nethimba lochwepheshe elizokusiza.
Kukhona obhasikidi bezimali ezihlanganyelwe (izimali ezi-2 noma ngaphezulu ezihlanganiswe njengethuluzi elilodwa lokutshala izimali) ezibizwa ngokuthi Izimbiza. Lezi Jar ziyizinhloso zokuhlunga ezisuselwe kusifiso sakho sokubeka engcupheni kanye nenjongo yokutshala imali.
Izimbiza zakhelwe imigomo yesikhathi esifushane, imigomo ehlaselayo/enodlame, yesikhathi eside nokunye. Izimali kulezi zimbiza zikhethwa ngokucophelela ukuze zikunikeze imiphumela engcono kakhulu ngesikhathi futhi ngokulingana nengozi ethathiwe.
Ingxenye engcono kakhulu ukuthi, benza ukulinganisa kabusha kwekota kwamaJar akho uma kudingeka. Ongeke ukuthole mahhala izikhathi ezingu-99 kweziyi-100.
Futhi, uma kwenzeka udinga noma isiphi isiqondiso noma usizo ngokutshalwa kwezimali kwakho, ungaxhumana nethimba le-MoneyJar futhi bazokusiza umuntu ngamunye.
Landelela Konke Ukutshalwa Kwakho Kudeshibhodi Eyodwa
INDmali
I-INDmoney iwuhlelo lokusebenza olulodwa. Alukho olunye uhlelo lokusebenza e-India kusukela manje, olusondela kulokho elikunikezayo.
Ngohlelo lokusebenza olulodwa, i-INDmoney, ungakwazi ukulandelela konke ukutshalwa kwezimali okwenzile kuxhunywe ku-imeyili yakho ne-PAN endaweni eyodwa. Izitoko zakho, i-PPF, i-EPF, i-akhawunti yasebhange, izimali ezihlanganyelwe, ama-NPS, ama-AIF nokuningi.
Iphinde ikuvumela ukuthi utshale imali ku-mutual funds mahhala ngaphandle kwekhomishini, uthenge amasheya ase-US ngaphandle kokukhokha izindleko zokuthumela ngaphandle, futhi utshale kuma-FD ngaphandle kwe-akhawunti yasebhange.
I-INDmoney ihlanganisa ukutshalwa kwezimali kwakho nezikweletu, bese ibala inani lakho lonke. Noma yiziphi izikweletu, credit card izikweletu ongase ube nazo ziyasuswa emalini oyitshalile bese ikukhombisa ukubaluleka kwakho konke.
Ine-tracker yesitoko esihle, esikunikeza nezincomo zokuthenga/ubambe/uthengise (ebulungwini obukhokhelwayo kuphela).
I-INDmoney iphinde ikunikeze ngezinsiza zehhovisi lomndeni.
Sekukonke, uma ubheke ukuhlanganisa ukutshalwa kwezimali kwakho futhi utshale ezitokweni zase-US mahhala, i-INDmoney kufanelekile ukuyihlola.
Ngibhale nge-INDmoney ngokuningiliziwe lapha. Eqinisweni, ngibhale ucezu olulodwa olunemininingwane eminingi ku-INDmoney laphaya.
Landelela Izimali Zakho, Ukonga Nezindleko
Wallet by BudgetBakers
I-Wallet ye-BudgetBakers iwuhlelo lokusebenza olulodwa olungcono kakhulu lwe-wallet laphaya. Ngizihlole ngokoqobo zonke ezinye izinhlelo zokusebenza, kusukela ku-Walnut kuya ku-Spendee, nokho zonke azibonakali zihambisana ne-Wallet.
Wallet iwumhleli wesabelomali, i-tracker yezindleko/imali engenayo exhuma ku-akhawunti yakho yasebhange.
Ibese ivumelanisa okwenzayo kudeshibhodi ehlanzekile nenembile. Lapho ungahlukanisa khona ngokuzenzakalelayo okwenziwayo ngakunye, wengeze ilebula, udale izigaba zangokwezifiso, imithetho yangokwezifiso, futhi uchaze ibhajethi.
Ezinye zezici zayo njengemithetho ezenzakalelayo ayikhethekile. Ngaso sonke isikhathi lapho okwenziwayo kwenzeka, i-Wallet izochaza isigaba ngokuzenzakalelayo, yengeze ilebula futhi ilungise isabelomali ngokufanele. Ungabona futhi ukuqagela kwesikhathi esizayo kwezindleko zakho, ukusetshenziswa kwesabelomali nokugeleza kwemali.
Kwenziwa ngokwezifiso ngokuphelele, ngakho-ke noma yini oyidingayo ku-tracker yezindleko/umhleli webhajethi, i-Wallet kufanele ikwazi ukufeza izidingo zakho.
I-NeoBank
Fi.Imali
Kuningi ama-neobanks afika eNdiya. Kodwa enye ezenzele yona njenge-neobank ezinzile nethembekile i-Fi.
I-Fi iwuhlelo lokusebenza oluhle kakhulu lwabantu abangazithandi izinhlelo zokusebenza zebhange ezivamile futhi abafuna i-akhawunti yebhalansi eyiziro ngaphandle kweyunithi yezinhlamvu enamathiselwe. Lapho ungenza khona ukuthengiselana kwansuku zonke futhi ungakhathazeki ngezinkokhelo, izinkokhiso nokunye.
Nge-Fi, uthola yonke leyo nkululeko nokunye okwengeziwe. I-Fi ibambisene ne-Federal Bank okusho ukuthi imali yakho igcinwa ebhange elilawulwa yi-RBI. Nokho, uthola ukusebenzisa uhlelo lokusebenza olusebenziseka kalula kakhulu uma luqhathaniswa nohlelo lokusebenza lwe-Federal Bank olunensayo nolunamagqubu.
I-Fi nayo iza nezici eziningi, njenge-Money Plants. Okuwuhlelo lokuklomelisa lapho uzuza khona izinhlelo zemali zemisebenzi ethile futhi wonge imali ufinyelele umgomo. Uthola ikhadi ledebithi lamahhala, ukufinyelela kwe-UPI, kanye nomsizi we-AI odonsa idatha yokwenziwe futhi akuphendule imibuzo yezezimali.
Ngakho-ke, uma ufuna indlela yokubhanga ngaphandle kwezintambo njengoba kufanele kube, ch
Uhlelo lokusebenza lwe-Credit Line
I-MoneyTap
Qaphela - Ngaphandle uma, nakanjani udinga ukuthola umugqa wesikweletu, ungawutholi.
Uma usunamakhadi esikweletu ambalwa futhi ungadingi ukheshi ukuze ukhulise ibhizinisi noma usebenzise imali kokuthile okukhulu kakhulu kunemali ongenayo oyaziyo ukuthi uzokwazi ukuyikhokha, ungathathi umugqa wesikweletu. .
Nokho, uma usafisa, ngingancoma ukusebenzisa i-MoneyTap.
I-MoneyTap iyindlela elula yokuthola umugqa wesikweletu. Uvele ulande uhlelo lwabo lokusebenza bese uqedela inqubo yokugibela.
Ngemizuzu embalwa, ungabona ukuthi ungakanani umkhawulo wesikweletu ongawuthola, izinga lenzalo bese ukhipha imali ku-akhawunti yakho yasebhange.
Ungathola umkhawulo wesikweletu ofika ku-INR 5,00,000 ku-MoneyTap. Ukuze ukhokhe imali mboleko, ungakhetha ukukhokha i-EMI.
Ayikho imali yanyanga zonke noma imali yonyaka. Futhi, awudingi ukufaka noma yisiphi isibambiso - I-MoneyTap inikeza umugqa wesikweletu ongavikelekile.
Baphinde banikeze Ikhadi elixhunywe kulayini wakho wesikweletu elenza i-MoneyTap isebenziseke ezitolo futhi ngokuqondile ekuthengeni kwe-e-commerce.
Uhlelo lokusebenza lwe-Paylater
Sezzle
I-Sezzle ikuvumela ukuthi uthenge ezinkulungwaneni zamawebhusayithi e-commerce, ngaphandle kokukhokha yonke intengo kusengaphambili.
Kunalokho, nge-Sezzle, kufanele ukhokhele ukuthenga kwakho ngezitolimende ezi-4. Isitolimende sokuqala ngesikhathi kuthengwa. Okunye njalo emavikini ama-2 ekhefu.
Ungakwazi ukuphuma ngokuqondile nge-Sezzle, ayikho i-UPI noma ikhadi. Uma weqa izitolimende okokuqala ngqa, azikho izindleko.
Ilula
Uma ufuna i khokha-kamuva isevisi ikakhulukazi yokuthenga imikhiqizo yansuku zonke, njengoku-oda kwaZomato, i-Simpl iyindlela engcono kakhulu.
Nge-Simpl, ungathola umkhawulo wesikweletu ofika ku-INR 20,000. Okungasetshenziswa ekuthengeni kwe-e-commerce.
Uzothola ibhili kabili ngenyanga, njalo ezinsukwini eziyi-15.
Ikhadi Lesikweletu Elingelona Elasebhange
Slice
I-Slice cishe iyikhadi lesikweletu elingcono kakhulu lezinkulungwane zeminyaka kanye nabasebenzisi beGeneration Z.
Ikhadi lesikweletu elingelona elebhange. Okusho ukuthi, Ucezu aluhlangene nebhange elibhaliswe yi-RBI, njenge-ICICI, SBI njalonjalo. Kunalokho, basebenza njengengxenye ebolekisayo kanye nozakwethu wedijithali wama-NBFC.
I-Slice inikeza ikhadi lesikweletu eligunyazwe ngokushesha kunoma ubani nawo wonke umuntu. Awudingi ukuba ne-ITR noma ngisho nomsebenzi. Uma uneminyaka engu-18 futhi ungenakho okuzenzakalelayo emlandweni wakho wesikweletu, ungathola i-Slice Credit Card.
Invest In US Stocks
Kuthengisiwe
I-Vested iyindlela engcono kakhulu yokutshala imali kumasheya ase-US nama-ETF avela e-India. I-Vested ibambisene ne-DriveWealth ukuvumela amaNdiya ukuthi athenge ngokuqondile amasheya ezinkampani ezisohlwini lwe-New York Stock Exchange.
Awudingi ukukhokha noma yimaphi amakhomishini ngokusebenzisa i-Vested. Baphinde banikeze “Ama-Vest” okuwubhasikidi wephothifoliyo osuselwe emdlalweni wobungozi kanye nemikhakha. Ivesti ngalinye liqukethe amasheya amaningana nama-ETF ukuze kuncishiswe ubungozi ngokuhlukanisa ukutshalwa kwezimali kwakho.
I-Vested iphinde inikeze imali ephansi yokuhoxiswa futhi iphephe ngokuphelele.
Ukusho Okukhethekile - INDmali
I-INDmoney ngolunye uhlelo lokusebenza oluhle kakhulu lokuqala ukutshala imali e-US Stocks. Nge-INDmoney uthola ukufinyelela ku-akhawunti ye-Super Saver ukuze udlulisele izimali ku-akhawunti yakho ye-US Brokerage ngaphandle kwanoma yiziphi izinkokhelo noma izindleko zokuthumela ngaphandle.
Ngokusebenzisana nebhange le-SBM, i-INDmoney iphinde inikeze i-INR engcono kakhulu kuya ku-USD.
Uma ubheke ngabomvu ukutshala imali kuma-ETF ase-US, uzosithanda isici sawo sokucwaninga se-ETF esiqinile. Ikubonisa imbuyiselo engaba khona ekutshalweni kwakho kwezimali kuma-ETF akhethiwe, ukubamba kwawo, nokuqhathanisa namanye ama-ETF angaphansi kwesigaba esifanayo.
Futhi uzuza imiklomelo yokutshala imali ezitokweni zase-US nge-INDMoney.
Amathuluzi Okucwaninga Ngemakethe
I-Tijori
I-Tijori cishe inodatha yezezimali ebanzi/ebanzi kakhulu mayelana nezinkampani zase-India kanye ne-US ezisohlwini.
Noma yini ongathanda ukuyazi ngesitoko esithile, i-Tijori inedatha yokuyiphendula. Futhi kumayelana nendlela abethula ngayo le datha, ngefomethi enembile, ehlanzekile neqondakala kalula.
Tijori Finance ikuvumela ukuthi wenze ukuhlaziya okujulile ezitokisini, uqonde lapho inkampani ethile yenza khona iningi lemali yayo, amabhentshimakhi, amagrafu abukwayo anokuhlaziya okuningiliziwe kwezezimali, ukuhlukaniswa kwemikhakha, nokuningi.
Ukuze uthole ukufinyelela ezingeni ledatha i-Tijori eyinikezayo ekubukeni okuhlanganisiwe, uzodinga ukuhlanganisa okungenani amathuluzi ezezimali angu-7 ahlukene. Futhi, ikusindisa ekuhluphekeni kokudlula imibiko yonyaka, analysis technical, ukuhlaziywa kwemakethe, izincwadi, ukuhlaziywa komkhakha, ukusho nje okumbalwa, futhi ikuvumela ukuba wenze isinqumo esihlakaniphile mayelana nokuthi yiziphi izitoko ozozithenga noma uzithengise.
I-TickerTape
I-TickerTape iwukuhlaziya isitoko nesihluzi esihlinzeka ngamathuluzi amaningi okuhlaziya inkampani njengomtshali-zimali.
Ungakwazi ukuhlaziya inani langaphakathi lenkampani, amarekhodi ezezimali, uhlole izibikezelo zentengo zesikhathi esizayo, ukukhula, iphethini yokuba namasheya, imicimbi/izindaba, uqhathanise izinkampani ezihlukene emkhakheni nokunye.
Futhi, i-TickerTape iza nohlu lokuhlola impilo yesitoko.
Ungakwazi futhi ukuhlaziya ama-ETF kanye Nezimali Ezihlanganyelwe usebenzisa i-TickerTape. Leli ithuluzi elilodwa okufanele ube ulisebenzise njengosaqalayo.
I-Finology Ticker
Ukushiwo okukhethekile, i-Finlology Tracker ingase inganikezi izibikezelo zentengo zesikhathi esizayo, kodwa kuseyithuluzi elihle lokuhlaziya isitoko.
Esinye sezici ezinhle kakhulu ze-Finology Ticker isigaba sayo esithi "Amandla Nobuthakathaka". Ikubonisa izindawo lapho inkampani iqina khona nalapho inephutha futhi. Lolu lwazi ngokuvamile luyiqili elincane ukulithola futhi lihlanganiselwe abaqalayo.
Uma ufuna ulwazi olwengeziwe, ungabhalisela i-Finology ONE ekunikeza ukufinyelela kumibiko eminingi nokuhlaziywa kwesitoko okwenziwa iqembu lochwepheshe.
Amanye Amathuluzi E-Fintech Awusizo
EnKash
I-EnKash ifakazela amabhizinisi amancane anekhadi lesikweletu elingenanzalo ukuze asetshenziswe yibhizinisi. Kuyinkundla ye-fintech ye-B2B.
Uma usuthole umugqa wesikweletu we-EnKash, ungakha amakhadi amaningi abonakalayo nangokoqobo axhunywe ku-akhawunti yakho ye-EnKash futhi uwasabalalise phakathi kwethimba lakho. Ungenza ngokwezifiso ikhadi ngalinye futhi ulawule ukusetshenziswa kwalo njengoba ubona kufanelekile.
Ungasebenzisa futhi i-EnKash ukwamukela izinkokhelo zebhizinisi lakho, ulawule ukugeleza kwemali ngokuzenzakalelayo, futhi ukuhlanganise nesofthiwe yokubala edumile.
I-Hop
I-Hop, noma i-MoneyHop inikeza isikhwama semali eningi/i-akhawunti yokonga. Ikuvumela ukuthi wamukele izinkokhelo ezivela emazweni ahlukene, kuhlanganise ne-US, ngokuqondile, ngaphandle kokukhokha imali eyengeziwe yokuguqula.
I-Hop iza nekhadi ledebithi, kanye ne-akhawunti yokulondoloza ibhalansi eyiziro. Usebenzisa ikhadi ledebithi le-Hop, ungenza ukuthengiselana kwe-forex ngaphandle kokukhokha noma yiziphi izindleko.
Uma usebenzise isici sokukhokha somhlaba wonke se-Payoneer, cabangela i-Hop njengenye indlela, kodwa ngaphandle kokubambezeleka ekutholeni imali ku-akhawunti yakho yasebhange.
Vula.Imali
I-Open.Money iyibhange le-neobank elakhelwe amabhizinisi. Ukusiza amabhizinisi ukuphatha izindleko zawo, izintela, ukubalwa kwezimali, ukuhamba kwemali, nama-akhawunti amaningi asebhange endaweni eyodwa.
I-Open iza nekhadi le-VISA debit, ukuphathwa kwenkokhelo, ukuqoqwa kwenkokhelo nezinye izici ze-e-commerce ezikuvumela ukuthi uphathe uhlangothi lwezezimali lwebhizinisi lakho ngaphandle kokudlula amathani amashidi e-excel kanye nesofthiwe yokubala eyindida.
Futhi, iyayisekela i-API ukuze ukwazi ukuthuthukisa izinhlelo zokusebenza ngokwezifiso ukuze uxhumane ne-akhawunti yakho evuliwe. Ambalwa kakhulu ama-neobanks e-India anikeza lesi sici okwamanje.