Navi: UPI, Investments & Loans

I-Navi, uhlelo lwakho lokusebenza lwezezimali lwe-All-in-one oludizayinelwe izidingo ezihlukene zezimali, inikezela ngezinsiza eziningi ukuze kube lula kuwe. Kusukela ezinkokhelweni ze-UPI ezishesha kakhulu kuye ekutshalweni kwezimali okuhlakaniphile kwezimali ezihlangene negolide, imali ebolekiwe esheshayo, umshuwalense wezempilo othembekile, kanye nezimalimboleko zezindlu ezingenamandla, uNavi ukukhokhele. Landa uhlelo lokusebenza lwe-Navi futhi uvule amathuba amaningi okuba nempilo enhle yezezimali.

1. I-Navi UPI
Yenza ukudluliselwa kwemali kube lula nge-Navi UPI (I-NPCI Igunyaziwe).
Izici ze-Navi UPI
✅ Dlulisela ngokushesha imali kunoma ubani, nganoma yisiphi isikhathi
✅ Khokha izikweletu futhi ushaje kabusha ku-inthanethi
✅ Skena kalula futhi ukhokhe kunoma yisiphi isitolo
✅ Yenza izinkokhelo ze-inthanethi kalula kuzinhlelo zokusebenza ezahlukahlukene
✅ Jabulela izinkokhelo ezingenazinkinga nge-Navi UPI Lite, ayikho i-PIN edingekayo

2. Utshalomali
Zitholele amathuba ahlukahlukene okutshalwa kwezimali nge-mutual funds negolide ledijithali.
Izici ze-Navi Mutual Fund
✅ Hlukanisa nge-Direct Index Funds ukuze ukhule kangcono
✅ Izinketho ze-SIP eziguqukayo: nsuku zonke, masonto onke, noma nyanga zonke
✅ Ikhomishini enguziro kanye nezilinganiso eziphansi zezindleko zokutshala imali ngendlela eyongayo
✅ Inkokhelo ye-oda lokuhlengwa eshesha kakhulu embonini
✅ Tshala kuze kube u-3 PM futhi uthole i-NAV yosuku olufanayo ukuze uthole imbuyiselo engcono
✅ Ukutshalwa kwezimali kuqala ngo- ₹100 nje

Khumbula, ukutshalwa kwezimali kwe-mutual fund kungaphansi kwezingozi zemakethe; funda ngokucophelela wonke amadokhumenti ahlobene nohlelo.

Izici ze-Navi Gold
✅ 24K Digital Gold
✅ 99.9% ubumsulwa
✅ Ukutshalwa kwezimali kuqala ngo- ₹50 nje

3. I-Navi Health Insurance
Zivikele wena kanye nekusasa lezezimali lomndeni wakho nge-Navi Health Insurance.
Izici Zomshwalense Wezempilo we-Navi
✅ Ifaka kufika ku- ₹3 crore
✅ Amaphrimiyamu omshwalense wezempilo aqala ku- ₹413* nje ngenyanga
✅ Thola usizo lwezempilo olusezingeni eliphezulu ezibhedlela zenethiwekhi ezingaphezu kuka-12,000+
✅ Ukukhokhelwa kwesimangalo esingenamali phakathi nemizuzu engama-20*
✅ Zuza ekumbozweni okungu-100%* kwezikweletu zasesibhedlela ngenqubo engenamaphepha

4. I-Navi Finserv Cash Loan
Finyelela imali ebolekiwe esheshayo engafika ku-R20 lakh
Izici ze-Navi Finserv Cash Loan
✅ Jabulela amanani enzalo ancintisanayo ukusuka ku-15% ukuya ku-26% ngonyaka
✅ Khetha esikhathini sokubolekwa esiguquguqukayo esisukela ezinyangeni ezi-3 kuye kwezingama-84
✅ Thola inqubo yokubolekwa kwemali yedijithali ngokugcwele ngokudluliselwa kwesikhwama esisheshayo ku-akhawunti yakho yasebhange
✅ Ufanelekela ngemali encane engenayo yasendlini engu- ₹3 Lakh ngonyaka

Isibonelo Sendlela I-Navi Cash Loan esebenza ngayo:
Inani Lemalimboleko = ₹30,000
I-ROI = 18%
EMI = ₹2,750
Isamba Senzalo Ekhokhwayo = ₹2,750 x 12 izinyanga - ₹30,000 = ₹3,000
Isamba Semali Ekhokhwayo = ₹2,750 x 12 izinyanga = ₹33,000
*Qaphela: Lezi zinombolo ezezinjongo zokumela kuphela. I-APR yokugcina izoncika ekuhlolweni kwekhredithi yekhasimende.
*I-APR (Isilinganiso Sephesenti Lonyaka) yisamba sezindleko ozozikhokhela ngokuboleka imali phakathi nonyaka. Kuhlanganisa inani lenzalo kanye nanoma yiziphi izinkokhelo ezikhokhiswa umbolekisi. I-APR ikunikeza isithombe esicacile sokuthi imalimboleko izokubiza malini ngempela.

5. I-Navi Home loan
Bhuka lelo khaya lamaphupho ngemali mboleko yendlu efika ku- ₹5 crore enezinketho eziguquguqukayo ze-EMI kanye nencwadi yokunikezwa kwezijeziso kungakapheli imizuzu emi-5
Izici ze-Navi Home loan
✅ Inani Lemalimboleko lifika ku-R5 Crore
✅ Izinga lenzalo lifika ku-13%
✅ Ukubolekwa Kwemali Kufika Kweminyaka engama-30
✅ Izimali Zokucubungula Zero
✅ Kufika ku-90% LTV
✅ I-Navi Home Loan iyatholakala e-Bengaluru, e-Chennai nase-Hyderabad

6. Uhlelo Lokudlulisela
Thola imiklomelo engapheli ngohlelo lokudlulisela luka-Navi! Yabelana ngohlelo lokusebenza lwe-Navi nabangani nomndeni, futhi uvule imiklomelo ekhethekile kukho konke ukudluliselwa okuphumelelayo.

Mayelana ne-Navi
- Uhlelo lokusebenza lwe-Navi lwakhiwe futhi luphethwe yi-Navi Technologies Limited, eyasungulwa ngu-Sachin Bansal no-Ankit Agarwal, ngoDisemba 2018.
- Imalimboleko Yezimali Nemalimboleko Yasekhaya ihlinzekwa yi-Navi Finserv Limited, I-Non-Deposit ethatha i-NBFC ebalulekile ngohlelo ebhalisiwe futhi elawulwa yi-RBI.
- Umshwalense Wezempilo uhlinzekwa yi-Navi General Insurance Limited, ebhaliswe ne-IRDAI njengomshwalense ojwayelekile.
- I-Navi Mutual Fund, ebhaliswe ne-SEBI, inikeza izikimu eziningi zesikhwama sokubambisana kubatshalizimali.
- I-Navi UPI ivunyelwe yi-NPCI.