Uma ufuna ukutshala imali kwabaqalayo base-India abakhulayo kodwa ungenazo izimali eziningi, ulindele izindaba ezinhle. Izinto zishintsha zibe ngcono ezweni, futhi ukutshala izimali ezinkampanini ezikhulayo yingxenye engcono kakhulu yakho.
I-Tyke ibonakala iyiphrojekthi efanelekile kule ngxenye.
Ngezici zokuvumela abasebenzisi bayo ukuthi batshale imali ekuqaliseni imali ephansi njenge-Rs.5000, inkampani ilethe uguquko esizweni.
Ngenze ucwaningo olunzulu ngalokhu, futhi lokhu ukuthatha kwami (kanye nokubuyekezwa okujulile) kukho.
Iyini iTyke?
I-Tyke inikeza abasebenzisi ukuthi batshale imali ngokushesha ekuqaleni kwase-India ngokutshalwa kwezimali okuncane okungama-Rs.5000 nje. Ungaya epulatifomu yabo futhi ubheke izinkampani ezahlukahlukene ezisohlwini lwepulatifomu yazo.
Ungafunda ngisho ne-pitch yenkampani nokusebenza kwangaphambilini ukuze wenze isinqumo esingcono.
Umgomo oyinhloko weTyke ukuvumela abatshalizimali abathengisa ukuthi babambe iqhaza endaweni yokuqala yokutshala izimali futhi benze inzuzo enhle, njengabatshalizimali bezingelosi.
Kanye nokusekelwa okuqhubekayo nosizo, iTyke iphinde inikeze izici eziningi ezithakazelisa abatshalizimali futhi ibanikeze ukuphepha ekutshalweni kwabo.
Izici ze-Tyke
Kunezici eziningi ezinikezwa yi-Tyke zabaqalayo nabatshalizimali abadayisayo. Ake sizibheke.
1. Iziphesheli Zokutshalwa Kwezimali
Njengoba ubhalisela inkundla, uyafaneleka ukubamba iqhaza emizuliswaneni yokuxhasa ngemali yokuqala. Ngesixhumi esibonakalayo esisebenziseka kalula, abasebenzisi bangaphequlula kalula wonke amadili atholakalayo futhi benze izinqumo zabo.
Ungafunda yonke imininingwane ngenkampani, irekhodi labo elidlule, ukuthi baphatha kanjani imisebenzi yabo, nokuthi zonke lezi zinkampani zinikeza ini kubatshalizimali.
2. Ukugibela Okungenamthungo Kwabasunguli
Uma ungumsunguli futhi ufuna ukukhulisa imali kubatshalizimali abadayisayo noma ngokuqondile emphakathini wakho, uTyke angakwenzela umsebenzi.
Simply bhalisela inkundla. Kubandakanya imibhalo engenamaphepha nokuqinisekisa. Thola zonke izinqubo zakho zokuqongelela imali endaweni eyodwa ngalesi sici.
3. Ukutshala imali Ngemizuzu embalwa
Uma ugula ngamaphepha angapheli kanye nemicikilisho ngenkathi wenza utshalomali, lezo zinsuku azisekho.
I-Tyke ikuvumela ukuthi utshale imali ekuqaleni ungakapheli umzuzu. Qedela yonke imicikilisho ngaphandle komthungo futhi ungene ngokutshalwa kwezimali kwakho okuhle.
Ungakwazi ngisho nokuxhumana nabasunguli benkampani futhi wazi okwengeziwe ngamaphrojekthi abo.
Ungaphatha imigomo yakho, ufunde wonke amadokhumenti enkampani, futhi uqaphe iphothifoliyo yakho ngesikhathi sangempela ngalesi sici se-Tyke.
4. Imijikelezo yangasese
Uma ungumsunguli futhi ufuna umphakathi wakho uhlale nawe kulolu hambo, umjikelezo wangasese uyisici sakho sokuya kuso. Kulokhu, ungabhukha ucingo no-Tyke, utshele ithimba ngombono wakho, futhi uhlele umzuliswano oyimfihlo neqembu.
Ungathumela izimemo eziqondene nawe kubatshalizimali kanye namalungu omphakathi wakho.
Uthola nokuklomelisa amalungu omphakathi wakho noma abatshalizimali ngamasheya enkampani yakho ngokuqondile ngeTyke. Lokhu kuthuthukisa inethiwekhi yenkampani yakho.
5. Umphakathi Wabatshalizimali
Wonke umuntu uthanda ukusebenzelana nabantu abanomqondo ofanayo, futhi uthola lokho ku-Tyke. Isici somphakathi senkundla sikuvumela ukuthi uxhumane nabanye abatshalizimali, abasunguli bokuqala, kanye nabo bonke abanye abasebenzisi bohlelo lokusebenza.
Ungabamba iqhaza kumaseshini avamile we-AMA agcwele ulwazi nolwazi mayelana nalo mkhakha.
I-Investing Instruments Of Tyke
Kunezindlela ezahlukahlukene zokutshala imali ekuqaliseni iTyke. Nokho, ngokutshalwa kwezimali kuza nezingozi eziningi zokulahlekelwa imali oyisebenze kanzima. Ukubhekana nalokhu, uTyke unesici esaziwa nge-T-SAFE.
Iyini i-T-SAFE
I-T-SAFE idalwe ngenhloso eyodwa yokuvikela izintshisekelo zabatshalizimali kanye nokubanikeza imininingwane emfushane ngemigomo nemibandela yokutshalwa kwezimali.
Ifana kakhulu ne-SAFE– Ithuluzi lokutshala imali elisetshenziswa kakhulu ngabatshalizimali be-Angel kanye nama-VC atshala imali ekuqaleni emhlabeni jikelele.
Lokhu kwenzelwa ikakhulukazi izinkampani ezinemikhankaso yokutshala imali enamakhulu noma izinkulungwane zabatshalizimali.
I-T-SAFE inikezela ngesabelo sezimali kubatshalizimali ekuqaleni. Nokho, lokhu akubandakanyi noma yimaphi amalungelo okulingana. Manje, lesi simo sezimali ngokuyisisekelo sisho i-CCD(Compulsory Convertible Debenture) ngesikhathi sokukhishwa. Kamuva, lokhu kuguqulwa kube ukulingana uma kwenzeka kutholwa noma i-IPO.
Manje, i-T-SAFE isekela izinhlobo ezine ezihlukene zama-Investing Instruments endaweni yesikhulumi. Ake siqonde ukuthi zisebenza kanjani.
- I-CCD- I-Compulsorily Convertible Debentures yizibambiso ezinamalungelo afanayo ezezimali njengomnikazi wamasheya wenkampani. Kodwa-ke, ababambi iqhaza ekuphathweni noma emihlanganweni yenkampani, ngokungafani nabaninimasheya. Abanawo amalungelo okuvota, futhi abaveli ku-cap table.
- I-CSOP- I-Community Stock Option Pool iyithuluzi lokutshala imali likaTyke. Njenge-ESOP (I-Employee Stock Option Pool) lapho inkampani inikeza ukulingana kubasebenzi benkampani, i-CSOP inikeza ukulingana emphakathini wenkampani. Lokhu akubandakanyi amalungelo okuvota noma indawo ku-cap table. I-CSOP iyindlela enhle yokubamba umphakathi wenkampani ngalo mkhuba. Funda kabanzi mayelana no umehluko phakathi kwe-CSOP ne-CCD.
- I-NCD- Uma ufuna inketho yokutshala ephephile, hamba kuma-Non-Convertible Debentures(NCD). Lezi zinhlobo zezibambiso zezikweletu ezivikelekile zinikeza ukuphepha okuphezulu kubatshalizimali futhi zibanikeze isilinganiso esinqunyiwe senzalo ngesikhathi esishiwo. Uze uthole lonke inani lakho lokutshalwa kwezimali uma inkontileka iphela. Njenge-CCD ne-CSOP, i-NCD nayo ayikho ku-cap table.
- I-CCPS- Isabelo Esithandwayo Esiguqulelwa Ngokuphoqelekile siyisibambiso esiyingxube esinikeza imali engenayo engashintshi kubatshalizimali futhi siguqulelwa ngempoqo kuzabelo zamasheya. Banamalungelo ezezimali afanayo nabanikazi bamasheya benkampani. Kodwa-ke, abanawo amalungelo okuvota futhi abezi etafuleni.
Izinzuzo zeTyke
1. Esebenzayo
Enye yezinzuzo eziyinhloko zeTyke ukuthi inikeza ukuphepha kwedokhumenti eyodwa ngaphandle kwamathani wamaphepha kanye nezinqubo. Ungakwazi ukutshala imali ekuqaleni kwakho okuthandayo kungakapheli imizuzu embalwa futhi usayiqonda yonke imigomo nemibandela yokutshalwa kwezimali.
2. Iphephile futhi Ivikelekile
Ngesivumelwano esenziwe ngesisekelo se-T-SAFE, izintshisekelo zabatshalizimali zihlala zivikelekile. Uthola amalungelo okukhetha enkampanini, okungcono kunabanikazi bamasheya uma kuziwa ekukhokhweni kwezimali ezitshaliwe.
Esimeni sokuqedwa kwenkampani, uyafaneleka ukuthola inkokhelo yakho kuqala ngesivumelwano se-T-SAFE.
3. Iziphesheli Ezithengekayo
Cha, awusadingeki ukuthi utshale ama-lakhs ezimali ukuze ube yingxenye yabaqalayo abakhulayo. Ngamadili e-Tyke, ungatshala imali ephansi njenge-Rs.5000 enkampanini. Lokhu kunikeza umuzwa wokuphepha nokuvumelana nezimo ukuze uhlukanise iphothifoliyo yakho.
4. Thola Izinzuzo Zokulingana Ngaphandle Kwezinkinga Eziningi
Enye inzuzo enkulu yokuqalisa ngeTyke ukuthi inikeza i-Equity kubasebenzisi bayo lapho isivunyiwe ngaphandle kokubandakanya indima kanye nomsebenzi womnikazi wokulingana wenkampani. Awudingi ukuya emihlanganweni evamile yenkampani noma usayine amadokhumenti amakhulu.
Inokuphuma okulula kakhulu enkampanini uma kunesidingo futhi inikeza amalungelo amaningi olwazi kumtshali-zimali.
Ungatshala Kanjani Ku-Tyke
Ukutshala imali ekuqaliseni akukaze kube lula. Okufanele ukwenze ukukhetha idili oyikhonzile, ufunde yonke imigomo, wenze inkokhelo, bese ekugcineni usayine isivumelwano se-T-SAFE.
Ake sibone ukuthi ungenza kanjani utshalomali lwakho lokuqala ngesinyathelo ngesinyathelo uma uqala ngeTyke.
1. Iya engxenyeni ethi Izidili ukusuka Kudeshibhodi yesikhulumi
Lapha, ungakwazi ukuqapha kalula futhi uhlole izinkampani zakho ozithandayo futhi ufunde yonke imininingwane mayelana nokusebenza kwazo nokuphatha ngokuchofoza kuzo.
2. Njengoba uvula isivumelwano esithile, uzothola inketho yokuqhubeka nokutshalwa kwezimali.
3. Qaphela ukuthi ngeke ukwazi ukuqhubekela phambili kulesi sivumelwano ngaphandle kokuqinisekisa i-KYC yakho. Lokhu kukhulisa ukuphepha nokuthembeka kwabo bobabili abatshalizimali kanye nenkampani.
4. Manje, ungakhetha imali ofuna ukuyisebenzisela ukutshala imali ekuqaleni. Uzokwazi ukubona inani eliphelele, izintela ezihilelekile, nesamba sokugcina esidinga ukukhokhwa.
5. Ngemva kokwenza inkokhelo, ungathola kalula ukutshalwa kwezimali kwakho esigabeni sakho sezibalo.
6. Isinyathelo sokugcina esisele ekuqedeni utshalomali lwakho ukusayina isivumelwano se-T-SAFE. Ukwenza kanjalo, vula isivumelwano se-T-SAFE bese uqala inqubo yokusayina i-E.
7. Ungakhetha isiginesha yakho futhi uqedele yonke inqubo. Ingasaphathwa, kuthatha cishe imizuzu emi-5 ukuqeda yonke inqubo yokutshala imali.
8. Ngemva kokungena ku-OTP, uzokwazi ukuvala isivumelwano ngempumelelo futhi ube yingxenye yokuqalisa kwakho okuhle.
Isebenza Kanjani I-Tyke Standup Against Grip & Klub
Ngezinketho ezimbalwa ezitholakalayo emakethe, kuyadida ukukhetha inkundla engcono kakhulu yokutshala imali. Njengamanje, umkhakha wokutshalwa kwezimali oqalayo uphethwe yizinkampani ezintathu-Grip, Klub, kanye neTyke.
Ngakho-ke, ake siwaqhathanise womathathu futhi sinqume ukuthi iyiphi egqamayo phakathi kwezinye.
Kuyini Ukuphatha?
Gamba iyinkundla yokutshala imali yedijithali evumela abasebenzisi bayo ukuthi batshale kwezinye izimpahla ezihlukahlukene. Lezi zimpahla ezinye zihlanganisa ukutshalwa kwezimali okuqashiswayo, Ukutshalwa kwezimali ku-Inventory, Ukutshalwa kwezimali Kwezindawo Zohwebo, kanye Nokutshalwa Kwezimali Kwezokuqala.
Nge-Grip, ungakwazi ukusayina kalula wonke amadokhumenti ku-inthanethi futhi uthole noma iyiphi impahla ngokunethezeka kwendlu yakho.
Iyini I-Klub?
Ukutshalwa kwezimali kwemikhiqizo yabathengi njenge-FMCG, imfashini, nokubhaliselwe.
Imikhiqizo inenani elincane lemali engenayo lama-Rs.15 lakh nesamba semali engenayo engu-60-70%.
Umsebenzi we-Klub uyinkundla yokutshala imali esebenza kumikhiqizo yabathengi abavela emikhakheni efana ne-FMCG, Imfashini, amamodeli okubhaliselwe, nokuningi. Inkundla ivumela abasebenzisi ukuthi batshale imali ngokuqondile kulawa mabhrendi futhi bathole imbuyiselo engaguquki yanyanga zonke. Iphinde inikeze izinhlobo zabathengi izinsizakalo ezinhle zokuqongelela imali kanye nemijikelezo yangasese.
Njengoba sesixoxile kakade noTyke, manje sizoqhathanisa izici nezinzuzo zazo zontathu izinhlelo zokusebenza.
Izici ze-Tyke
- Utshalomali lokuqala oluqala ngo-Rs.5000 nje
- Amathuluzi wokutshala imali amaningi
- Thola izimbuyiselo ezilungisiwe zanyanga zonke
- Inikeza wonke amalungelo ezezimali omninimasheya
- Ukungena ngokushesha kanye nokutshalwa kwezimali
Izici Ze-Grip
- Izinketho zokutshala izimali kwezinye izimpahla ezihlanganisa Ukuqashisa, Izindlu Zokuthengisa, I-Inventory, kanye Neziqalo
- Amadokhumenti angenamaphepha
- Ubuncane bokutshalwa kwezimali buqala ku-Rs. 10,000 ezimpahleni zokuqashisa
- Izimbuyiselo zanyanga zonke zabatshalizimali
- Qedela ukubhalisa utshalomali lwakho ngophawu lwe-E
Izici ze-Klub Works
- Faka imali kumikhiqizo yabathengi
- Funda yonke ingqikithi kanye nerekhodi lezezimali lezinkampani
- Thola cishe u-18-25% wezimbuyiselo zanyanga zonke
- Thola imali engenayo exhunywe kwimali engenayo ngaphandle kokuncishiswa
- Ihlinzeka Ngoxhaso Lwezikweletu
Ngemuva kokuhlaziya zonke izinkundla ezintathu zokutshala imali, into eyodwa iqinisekile, i-India ibona ukukhula okukhulu emkhakheni webhizinisi. Ngezici nezinsizakalo eziningi ezahlukahlukene, abantu manje sebengakwazi ukutshala imali kalula ezinkampanini ezikhuphukayo ngaphandle kokuba nama-rupees amaningi.
Imakethe yamasheya ibika ama-3% kuphela amaNdiya abamba iqhaza ezimakethe. Kodwa-ke, leli qiniso elibi libonakala lishintsha njengoba abatshalizimali abaningi bezitolo bebonakala benentshisekelo emkhakheni wokutshala imali oqalayo.
Ngemuva kokusebenzisa zonke izinkundla ezintathu isikhashana, singasho ukuthi zifeza izidingo ezihlukene zabasunguli nabatshalizimali. Ake sikuqonde lokhu ngokuqhathanisa kafushane kwawo wonke amapulatifomu amathathu.
- I-Tyke inikeza utshalomali oluncane lwama-Rs.5000, oluphansi kakhulu phakathi kwabanye abadlali emakethe
- Uhlelo lokusebenza lwe-Grip lunikeza ukutshalwa kwezimali okuqashiswayo kanye Nokutshala imali Kwezindlu Zokuthengisa, isici esingatholakali e-Tyke noma e-Klub.
- Zontathu izinkundla zinikeza imibhalo engenaphepha kanye nokugibela okungenazinkinga.
- I-Tyke inikeza ukulingana kubatshalizimali njengenketho, kuyilapho i-Klub ivumela abasunguli bayo ukuthi bakhuphule imali ngaphandle kokunciphisa.
- I-Tyke igxile kakhulu ekubambeni imiphakathi yabaqalayo ngokunikeza amathuluzi okutshala izimali aguqulayo njenge-CSOP. I-Klub ne-Grip, bagxile kakhulu ekunikezeni amathuba okutshala izimali kubatshalizimali abadayisayo kanye nezimali kwabaqalayo njengezinhloso zabo eziyinhloko.
- Uzothola amadili amaningi ku-Grip ne-Klub uma uqhathanisa ne-Tyke okwamanje
Sekukonke, womathathu amapulatifomu mahle emikhakheni eyahlukene. Uma unentshisekelo nje ekutshalweni kwezimali ngokulingana ekuqaleni, khona-ke i-Tyke ingaba ekufanele.
Kodwa, uma uthemba ekutshaleni imali okuqashiswayo noma ekutshaleni imali ezinkampanini zabathengi ezinikeza inani elisezingeni eliphansi, ungase uye ku-Grip noma i-Klub kanyekanye.
Isiphetho
Ngemva kokubuyekeza inkundla yeTyke futhi uyiqhathanise nezimbangi zayo, kucace bha ukuthi iTyke inikeza amadili ashibhile futhi angabizi kakhulu kubasebenzisi bayo kuneGrip ne-Klub.
Ngamathuluzi ayo e-CSOP kanye ne-CCD, uthola ukutshalwa kwezimali okuhle ngentshisekelo yakho. Isivumelwano se-T-SAFE esihlinzeka ngokuphepha nokuguqulwa okushelelayo kwezibambiso zibe ukulingana nakho kufanele kusetshenziswe.
Sekukonke, uTyke unikeza amathuba amaningi kwabaqalayo abakhulayo nabatshalizimali abadayisayo ukuze bazuze ngokugcwele ngemali yabo. Ngazise ukuthi ucabangani ngeplatifomu nokuthi uzotshala imali yakho kule nkundla noma cha.
Imibuzo Evame Ukubuzwa
Ingabe kuphephile ukutshala imali ekuqaleni?
Ukutshala imali ekuqaliseni kubandakanya ingozi enkulu kumtshali-zimali. Ezehlakalweni zokuqedwa kwenkampani, kungenzeka ukuthi ulahlekelwe yinani lakho eliyinhloko. Ngakho-ke, kuyimpoqo ukufunda yonke imigomo nemibandela kusengaphambili.
Ukhona yini ongatshala imali ekuqaliseni?
Sezadlula lezo zikhathi lapho abatshalizimali be-VCs kanye ne-Angel kuphela ababenayo yonke ijusi ezinkampanini ezikhulayo. Ngokwethulwa kwezinkundla zokutshala izimali zokuqala ezifana ne-Tyke, ungakwazi ukutshala imali kalula ekuqaliseni okufakwe ohlwini endaweni yesikhulumi nge-ID evumelekile kahulumeni kanye nobuncane beminyaka engu-18.
Ingabe kusemthethweni ukutshala imali ekuqaleni?
Kusemthethweni ngokuphelele ukutshala imali ekuqaliseni ibhizinisi ezweni. Nokho, ayikalawulwa.
Ayini amalungelo ami njengomtshali-zimali eTyke?
Unamalungelo amaningana uma uba umtshali-zimali ku-Tyke. Ilungelo lolwazi likuvumela ukuthi uthole yonke imininingwane mayelana nenkampani, ukusebenza kwayo kwangaphambilini, nemali engenayo. Uthola amalungelo ezezimali ngokutshalwa kwezimali kwakho, okusho ukuthi ungakwazi ukuthengisa kalula ukutshalwa kwezimali kwakho ezimakethe zesibili noma ngokuhlanganyela uma kukhona ukuthenga okungu-100% kwenkampani.
Ngingakwazi ukukhuluma nabasunguli benkampani engitshala kuyo imali?
Yebo, ngesici somphakathi sikaTyke, ungakwazi ukuxhumana kalula nabasunguli bezinkampani nabanye abatshalizimali.
shiya impendulo