Izibambiso zikahulumeni zingesinye sezimali ezinzile njengoba zingenabungozi futhi ziqinisekisa imbuyiselo ethile engaguquki ekutshalweni kwezimali minyaka yonke.
Iphinde iqinisekise ukukhokhwa okuphelele kokutshalwa kwezimali okukhulu uma ibhondi kahulumeni ivuthwa.
Ukuthuthukisa ukufinyelela kumasheya anjalo kahulumeni, uNdunankulu waseNdiya usanda kwethula i-RBI's Retail Direct Investment Scheme.
Lolu hlelo luvumela abatshalizimali abancane ukuthi batshale kuzo zonke izinhlobo zamabhondi kahulumeni kanye nohulumeni omkhulu anembuyiselo eqinisekisiwe.
Yini i-Retail Direct Scheme?
I-Retail Direct Investment Scheme iwuhlelo lukahulumeni wase-India lokuvumela abatshalizimali abadayisayo ukuthi batshale ezibambiso zikahulumeni ngokuqondile, ngaphandle kokuhlupheka.
Amabhondi kahulumeni angathengwa futhi athengiswe ku-inthanethi.
Inani elincane lokutshalwa kwezimali kusikimu esiqondile se-RBI singama-Rs 10,000 futhi siyizimpinda.
Izibambiso Zikahulumeni Omkhulu, izikweletu zikaMgcinimafa, kanye Nezokuphepha Zikahulumeni Wezwe zingathengwa ngaphansi kwalolu hlelo ku-inthanethi.
Okudingayo njengomtshalizimali ukuvula i-akhawunti ye-Retail Direct Gilt ne-Reserve Bank of India.
Isilinganiso esiphezulu ongasitshala ngebhidi ngayinye ngaphansi kwalolu hlelo ama-rupees amabili ama-crore.
Abathengisi bokuqala, amafemu lokho ukuthenga amabhondi kahulumeni zisuka ngqo kuhulumeni bese zizidayisela abatshalizimali, kulindeleke ukuthi baqhamuke nezilinganiso zokuthenga nokudayisa ngokushesha ukuze abatshalizimali bezitolo bakwazi ukuthenga nokudayisa izibambiso zikahulumeni emakethe yamabhondi yesibili.
Sethula Uhlelo Lokutshalwa Kwezimali Oluqondile Emakethe YaseNdiya
Isikhathi sokuqala lapho kukhulunywa ngaso lesi sikimu kwaba ngoFebhuwari 29021, ngaphansi kwezichibiyelo zenqubomgomo yezimali yaseNdiya.
Kodwa-ke, ngomhla ziyi-12 kuLwezi, uNdunankulu wase-India wethule ngokusemthethweni lolu hlelo, ethi “I-Retail Direct Scheme izonika amandla ekufakweni kwawo wonke umuntu emnothweni njengoba izoletha abantu abasezingeni eliphakathi, abasebenzi, osomabhizinisi abancane kanye nabantu abadala ukonga okuncane ngqo kanye nokuphepha ezibambiso zikahulumeni. "
Ngaphambi kokwethulwa kwalolu hlelo oluthile, abatshalizimali abakhulu bezikhungo, kuhlanganise isikhwama sokubambisana izinkampani, izinkampani zomshwalense, amabhange, kanye nezinhlangano ezifanayo zazibusa kakhulu imakethe ye-Indian Bond. Lokhu akushiyanga isikhala esiningi kubatshalizimali abancane bezitolo ukuthi babambe iqhaza ekubeni nesabelo kubhondi kahulumeni bona ngokwabo.
Kodwa-ke, njengoba izibambiso zikahulumeni zinikeza ivolumu ephezulu kakhulu emakethe yemali engenayo engashintshi ngenxa yezimpawu zayo ezingenabungozi, futhi ingenye yezindlela ezivumelana nezimo ezingenza abatshalizimali bezitolo bathole ukugeleza kwemali okuvamile kuso sonke isikhathi sokutshala imali.
Ngakho-ke, lokhu kwethulwa nakanjani yinto elindelwe ngabomvu, engeke izuzise uhulumeni kuphela ngokunyusa imali kodwa nabatshalizimali abazothola inzalo eqinisekisiwe ngakho.
Iyini i-akhawunti ye-RBI's Retail Direct Gilt?
Bonke abatshalizimali bezitolo abafuna ukungena emakethe yezibambiso zikahulumeni futhi bajabulele izinzuzo ezihambisanayo bangenza kanjalo ngokuvula nokugcina I-akhawunti Ye-Retail Direct Gilt yi-Reserve Bank of India.
Ngale akhawunti, bangatshala ngokuqondile kuma-g-secs futhi bathole ukuchayeka ku-RBI Retail Direct Investment Scheme.
Abatshalizimali bazothola ukufinyelela kuzo zombili izimakethe eziyisisekelo nesesibili.
Emakethe eyinhloko, bazobe bethenga ngokuqondile eBhange Lokuthola Imali lase-India. Nakuba, emakethe yesibili, bazokwazi ukuthenga izibambiso zikahulumeni kwabanye abatshalizimali ngentengo eqhubekayo yemakethe.
I-akhawunti ye-RDG yakhelwe ngokukhethekile i-RBI Retail Direct Investment scheme futhi idinga kuphela izinyathelo ezimbalwa ezilula ukuze ivulwe ku-inthanethi.
Bonke abatshalizimali abayinhloko ababhalisiwe bangafinyelela ukukhishwa okuyinhloko kwe-g-sec kanye ne-Negotiating Dealing System Order Marching Systems (NDS-OM) futhi.
I-NDS-OM iwuhlelo lokufanisa lwe-oda logesi/kwi-inthanethi olufana nama-oda emakethe yesibili yezibambiso zikahulumeni.
Ngokusebenzisa I-Akhawunti Ye-Retail Direct Gilt, umuntu angatshala imali kumabhondi kahulumeni omkhulu, Izikweletu Zomgcinimafa Zikahulumeni Wase-India, Izimalimboleko Zokuthuthukiswa Kwezifundazwe (ama-SDL), Amabhondi Kahulumeni Wesifunda, kanye Nakumabhondi Egolide Abusayo phakathi nesikhathi esishiwo.
Okokugcina, uma sikhuluma ngezinzuzo nge-akhawunti ye-Retail Direct Gilt, inzuzo enkulu izobalwa kuzo zonke izibambiso onazo/ohwebayo onyakeni wezimali uma ukhetha ukutshala imali okuqondile kwe-g-sec.
Kodwa-ke, uma utshala/uhweba nge-Gilt mutual funds, inzuzo enkulu izobalwa ngesikhathi obambe ngaso amayunithi e-mutual fund, kungakhathaliseki ukuthi mangaki ukuhweba okwenziwa phakathi nokuphathwa kwesikimu.
Ubani ongafaka isicelo se-akhawunti ye-Retail Direct Gilt?
Izigaba ezintathu zabantu abafanelekile ukufaka isicelo salolu hlelo yilezi:
- Ngokwalolu hlelo, bonke abatshalizimali bezitolo bafanelekile ukubhalisa kulolu hlelo futhi bagcine i-akhawunti ye-Retail Direct Gilt. Kufanele futhi babe nenombolo ye-akhawunti ehlala njalo (i-PAN), inombolo yeselula ebhalisiwe, i-akhawunti yasebhange yokonga yase-India rupee, kanye nekheli le-imeyili elivumelekile ukuze bakwazi ukutshala imali nge-Retail Direct Investment Scheme.
- Umuntu angavula i-akhawunti ye-Retail Direct Gilt ngayinye noma ngokuhlanganyela nomtshali-zimali wesibili ongakwazi ukuhlangabezana nemibandela ebekiwe eshiwo ngenhla.
- Umtshalizimali ongeyena umhlali we-Anu ufanelekile futhi ukutshala imali kumabhondi kahulumeni uma imininingwane yakhe iwela ngaphansi koMthetho Wokuphathwa Kwezimali Zangaphandle (1999).
Izinzuzo zokutshala imali ngohlelo lokutshala imali oluqondile lokudayisa
- Lolu hlelo luzovumela bonke abatshalizimali, abakhulu noma abancane, ithuba lokutshala ngokuqondile ezibambiso zikahulumeni futhi bazuze okufanayo.
- Lolu hlelo luyisixazululo esisebenza kanye kuphela sokwenza abatshalizimali bakwazi ukungena kuzo zombili izimakethe zezibambiso zikahulumeni eziyisisekelo nesesibili.
- Maduze, i-NDS-OM izokwethula uhlelo lwenkatho eyinqaba lapho abatshalizimali bezitolo bezovunyelwa ukuthi bahwebe ngenkatho ethile yokudayisa, okungeke kudinge ingxenye enkulu yemali yabo ukuthi itshalwe ethuluzini elilodwa ngokwalo.
- Lolu hlelo luzovumela abatshalizimali abadayisayo ukuthi bahwebe ngezibambiso zikahulumeni njengokukhetha kwabo, ngaphandle kwemikhawulo.
- Izibambiso zikahulumeni azinabungozi nhlobo futhi zinikeza izinzuzo eziqinisekisiwe kubatshalizimali.
- Lolu hlelo luzophinde luvumele bonke abatshalizimali ukuthi bavule bese begcina i-akhawunti yokuphepha kahulumeni ngaphandle kwezindleko ezengeziwe.
- Kukhona ithuba lokuthi abatshalizimali abadayisayo bathole izinzuzo zentela zokutshala izimali ezibambiso zikahulumeni eziqondile.
Ungatshala kanjani ezibambiso zikahulumeni ngalolu hlelo?
- Yiya ku Ingosi ye-inthanethi ye-RBI Retail Direct bese uvule i-akhawunti ye-Retail Direct nge-RBI.
- Gcwalisa ifomu eliku-inthanethi bese uthumela igama-mfihlo elitholwa kanye kanye olithola enombolweni yakho yeselula ebhalisiwe
- Zibhalise ukuze ufinyelele izibambiso zikahulumeni emakethe yokuqala.
- Landela izinyathelo ezinemininingwane eyengeziwe ozithola nge-ID yakho ye-imeyili evumelekile
- Uma usubhalise ngempumelelo, ungathenga amabhondi kahulumeni emakethe eyinhloko ngokudayiswa kwezikweletu eziyinhloko noma emakethe yesibili ngokwayo.
- Izindali zamabhondi zibanjwa njalo ngoLwesihlanu yimenenja yezikweletu zikahulumeni, iReserve Bank of India
- Ungakhokhela ukuthengwa kwamabhondi nge-UPI noma izinsiza zebhange zensalela ezihlinzekwe yiphothali.
- Isamba siyadonswa lapho kuthunyelwa ibhidi
Sinjani isimo samabhondi kahulumeni njengamanje?
Njengamanje, cishe izibambiso zikahulumeni ezingaba ngu-97 ezisele ezinesikhathi esiphakathi kwezinyanga ezi-3 kuya kwengama-40.
Zonke lezi zibambiso zihlangene zafinyelela kuma-rupee angama-79 lakh crore. Uhulumeni omkhulu waseNdiya ukubheke ngabomvu ukuboleka ama-rupees angaba ngu-12 lakh crore ngokukhipha amabhondi kahulumeni kubatshalizimali bezikhungo nabadayisayo.
Ngokushesha nje lapho lolu hlelo seluqalisiwe, kwaba nokungena okukhulu kokubhaliswa esikhathini esingamahora ambalwa. Ukubhaliswa okungu-12,000 kwenzeke ngokuhlanganyela okubonakalayo kubatshalizimali abaphethe i-Sovereign Gold Bonds.
Izinzuzo Zokutshalwa Kwezimali Kwezimakethe Zesibili Ngohlelo Lotshalomali lwe-RD
Uhlelo olusha lunikeza abatshalizimali ukufinyelela emakethe yesibili, okuyinto iningi labantu elijabule ngayo. Lokhu kungenxa yokuthi ukutshalwa kwezimali ezimakethe kwesibili kwaziwa ngokunikeza imbuyiselo ephezulu ngesikhathi esifushane.
Ngokufanayo, ukutshala izimali ezibambiso zikahulumeni ngokusebenzisa imakethe yesibili nakho kubatshalizimali beminyaka emisha ukuze bakwazi ukuzuza imbuyiselo ebalulekile ngesikhathi esincane.
Abatshalizimali bangafinyelela kuphothali yemakethe yesibili ye-g-sec ngokusebenzisa iphothali eqondile yebhange elikhulu ku-inthanethi. I-ID evela kwa-Clearing Corporation of India Ltd. izonikezwa umuntu ngamunye otshala imali emakethe yesibili.
Ngemuva kwalokho, i-oda lokumasha, kanye nezicelo ezithule zingafinyelelwa ngabatshalizimali ku-inthanethi.
Abatshalizimali bangabeka, bathenge, futhi badayise ama-oda nge-akhawunti yabo yokuthengisa eqondile ye-gilt. Lokhu kufanele kwenziwe ngemva kokuba sebekhiphe izimali ngohlelo lokukhokha nge-inthanethi. Kungosi yezitolo. Izinga i-akhawunti yakho ebamba ngalo ibhalansi lingasetshenziswa ukwenza ukuthenga kwe-g-sec khona manjalo.
Ekugcineni, umtshali-zimali angakwazi ukukhokhela ukuhweba ngokusekelwe ku-T+1, okusho usuku olulodwa ngemva kwedethi yokuthenga.
Ngakho-ke, ingabe lesi yisikhathi esifanele sokutshala izimali ezibambiso zikahulumeni njengamanje?
Ungakwazi nakanjani ukulangazelela ukuthenga ibhondi ebanjelwe ekuvuthweni esikhathini samanje, njengoba kulindeleke ukuthi ikusindise kusukela ekuguquguqukeni okuqhubekayo kwemakethe kuya emakethe. Kuzoba ukubheja okufanele kulabo abafuna ukubuyiselwa okuqinile nokuphepha kwezimali ngenkathi betshala imali.
Kodwa-ke, njengoba lolu hlelo lusanda kwethulwa, ukulinda cishe izinyanga ezi-4 kuye kweziyi-6 yisikhathi esifanele sokuhlaziya ukuthi imakethe ihamba kuphi nokuthi isebenza kanjani.
Impumelelo yohlelo lwe-RBI Retail Direct Investment izoncika ekubangeni kwezimali kwalawa mabhondi uma umtshali-zimali eza ngaphambili ezowadayisa futhi uma engakwazi ukuyidayisa ngenani elinenzuzo.
Njengamanje, noma ubani okhetha lo mzila othize oqondile wokungena emakethe yezibambiso zikahulumeni kufanele aziswe kahle mayelana nemakethe nazo zonke izici ezithinta futhi zisuse izintengo zalezi zibambiso.
Kuphinde kwelulekwe ukuthi kufundwe kabanzi ngalokho uhulumeni aphezu kwayo, akwenzile, nahlela ukukwenza, ukuze uthole umbono wokuthi uhulumeni umi kuphi. Uma umusha ekutshaleni imali, ukuthatha usizo lochwepheshe kuzokusiza wenze izinqumo ezingcono nezihlakaniphile zokutshala izimali.
Nazi izixhumanisi ezisemthethweni ze-RBI Retail Direct Scheme uma kwenzeka ufuna ulwazi olwengeziwe:
shiya impendulo