Shriram One: Loan, FD, UPI

Shriram Finance Limited

Mayelana nalolu hlelo lokusebenza

Izinkokhelo ze-UPI, Izinkokhelo zeBill, Ukushajwa kabusha, Izimalimboleko, Idiphozithi Egxilile, Umshwalense nokuningi
I-Shriram One inguzakwethu omethembayo wezezimali ngezidingo zansuku zonke. Hlola uhlu lwethu olubanzi lwezinsizakalo, kufaka phakathi:
• Ukutshalwa kwezimali – Idiphozithi Egxilile, Uhlelo Lokutshalwa Kwezimali Olungaguquki
• Imalimboleko – Okomuntu siqu, kweBhizinisi, okunamasondo amabili namane, Imoto Esetshenzisiwe, Izimoto Zezentengiselwano kanye Nemalimboleko Yegolide
• Umshwalense - Okuvamile - Umshwalense Wamasondo Amabili & Amasondo Amane; Umshwalense Wempilo - Izinhlelo Zokonga, Zokuthatha Umhlalaphansi, Ingane Nokuvikela
• Izinkokhelo Zomthethosivivinywa - Yenza I-Prepaid Mobile Recharge, khokha ibhili likagesi kanye nezinye izinkokhelo zebhili yensiza ku-Shriram One
• I-UPI – Skena futhi Ukhokhe noma iyiphi i-QR, Thumela noma yamukele imali nge-UPI, Hlukanisa Izindleko nokunye
• I-Shriram One Exclusive - Zitholele okunikezwayo okuyikhethelo njenge-Digital Gold, i-Shriram One Care nokunye
• Okunye Ukunikezwa - Finyelela kuzibali zezezimali ezingu-10+, buka ulwazi lwemoto, amasevisi adumile - bhukha amathikithi okuvakasha, amahhotela, hlola amaphuzu wekhilikithi, dlala imidlalo nokunye

Izimali ezitshaliwe
Utshalomali lwethu lwenzelwe ukuhlangabezana nezidingo zakho, lunikeza amanani enzalo akhangayo, izikhathi ezivumelana nezimo nezinga eliphezulu lokuphepha.
• Idiphozithi Egxilile ye-Shriram: Tshala imali ku-Shriram Unnati Fixed Deposit ukuze uthole ukonga okuzinzile, ukhule futhi ukhiqize imbuyiselo edlula ukwehla kwamandla emali. Khulisa ukonga kwakho nge-Shriram Finance ekhiqiza kakhulu Idiphozithi Egxilile. Tshala futhi uzuze isilinganiso senzalo esingafika ku-9.40%* p.a. (kufaka phakathi u-0.50% weZakhamuzi Abadala kanye no-0.10% WamaDepositors Abesifazane)
• Uhlelo Lokutshala Olugxilile: Qala kalula i-FIP yakho ngokutshala u- ₹1,000 nje ngenyanga
• Igolide Ledijithali: Tshala imali enanini legolide elingaphelelwa isikhathi nge-Digital Gold. Thenga, uthengise, noma ubambe igolide ngokwedijithali nangokuvikelekile

Vikela Izinkokhelo ze-UPI
I-Shriram One UPI ikuvumela ukuthi uskene noma iyiphi i-QR ukuze uthumele/wamukele imali ngokushesha kunoma ubani. hlola ibhalansi ye-a/c, setha ukukhokha okuzenzakalelayo, landelela izindleko zakho ze-UPI nomlando wokwenziwe, cela imali nokuningi.

Izinkokhelo zeBill kanye nokukhokhiswa kabusha
Shaja kabusha iselula yakho (ekhokhelwe kusengaphambili nangeposi), i-DTH, Ucingo Lwezintambo, ukushajwa kabusha kwe-FASTag, ukukhokha imali mboleko, Umshwalense, inkokhelo yekhadi lesikweletu, i-broadband, i-cable TV, izikweletu zamanzi nogesi

Imalimboleko
Sinikeza izixazululo zemalimboleko ezenziwe ngezifiso. Thola imalimboleko yomuntu siqu ukuze usekele amaphupho akho noma uthole imali mboleko yebhizinisi ukuze uqhubekisele phambili izifiso zakho kwezamabhizinisi.
• Imali mboleko yomuntu siqu: Faka isicelo semalimboleko yomuntu siqu efinyelela ku-R15 lakhs. Sinikeza izinketho zokukhokha eziguquguqukayo (izinyanga eziyi-12 kuya kwezingu-60), ngaphandle kwesibambiso ngamanani enzalo aqhudelanayo (11%* ukuya ku-36%* APR).

Isibonelo
Inani Lemalimboleko elingu- ₹1,00,000 izinyanga ezingu-24 lingase libe nenzalo engu-12% p.a. (1% p.m. izinyanga ezingu-24 - izinga lenzalo elibalwe endleleni yebhalansi yokunciphisa) nge-EMI ₹4,707, inzalo ephelele ekhokhwayo ingaba ngu- ₹4,707 x 24 izinyanga - ₹1,00,000 = ₹12,968
Izindleko zokucubungula (ngaphandle kwe-GST) zingu- ₹2,000 futhi inani elikhishiwe - ₹1,00,000 - ₹2,000 = ₹98,000
Isamba Semali Ekhokhwayo: ₹4,707 x 24 izinyanga = ₹1,12,968
Ingqikithi Yezindleko Zemalimboleko = Inani Lenzalo + Izimali Zokucubungula = ₹12,968 + ₹2,000 = ₹14,968
Isamba semali ekhokhwayo sizoba ngu- ₹1,14,968 (kuhlanganise nenkokhelo yokucubungula).

*Qaphela: Lezi zinombolo ziyizinkomba. Izinga lenzalo lokugcina kanye ne-APR izoncika ekufanelekeleni isikweletu kwekhasimende nokuhlola

• Imalimboleko Yesondo Elibili: Thola iphupho lakho lamasondo amabili kalula. Faka isicelo semali mboleko yamasondo amabili, jabulela izinketho zokukhokha eziguquguqukayo kanye nezinga lenzalo elincintisanayo.
• Imalimboleko yebhizinisi: Khulisa ibhizinisi lakho nge-Shriram Business Loan.
• Imalimboleko Yezimoto Zokuhweba: Thola uxhaso lwezimali zebhizinisi lakho lezokuthutha futhi ukhulise imikhumbi yakho.
• Imalimboleko Yemoto Esetshenzisiwe: Thola imalimboleko esheshayo efika ku-85% yenani lemoto yakho, kusukela ku-£1 lakh kuya phezulu.
• Imalimboleko Yegolide: Thola ukufinyelela okusheshayo nokulula emalini ngokuthembisa igolide lakho nathi.

Umshwalense
Sinikeza uhla lwemikhiqizo yomshwalense. Iminikelo yethu kumshwalense ojwayelekile ihlanganisa umshwalense wezimoto - Amasondo amabili, amasondo amane, Umshwalense Wezimoto Zokuhweba nokunye. Siphinde futhi sinikeze uhla olubanzi lwemikhiqizo yomshwalense wempilo efana nezinhlelo zokonga, izinhlelo zezingane, ukuvikela kanye nezinhlelo zokuthatha umhlalaphansi.