• Okuqukethwe

  • Ilayisensi yasebhange e-India? Thola Ilayisensi Yebhange e-India
  • Iyini ilayisensi yasebhange e-India?
  • Izidingo zokuthola ilayisense yasebhange e-India
  • 1. Isakhiwo Sebhizinisi
  • 2. Imali encane
  • 3. Isipiliyoni emkhakheni wamabhange
  • 4. Ukuthobela Amazinga e-RBI
  • 5. Ikhono lokuhlinzeka ngezinsizakalo zebhange
  • Izinyathelo zokuthola ilayisensi yasebhange e-India
  • 1. Ukulungiselela uhlelo lwebhizinisi
  • 2. Umthethosisekelo wenhlangano
  • 3. Isicelo selayisensi yasebhange
  • 4. Ukuhlolwa kwesicelo
  • 5. Ukuhlolwa kwendawo
  • 6. Isinqumo se-RBI
  • 7. Umthethosisekelo webhange
  • Izibonelo zamabhange athole ilayisensi yasebhange e-India
  • 1. Kotak Mahindra Bank
  • 2. Bandhan Bank
  • Isiphetho

Ilayisensi yasebhange e-India? Thola Ilayisensi Yebhange e-India

Umkhakha wamabhange e-India uhlala uvela futhi unikeza amathuba amaningi kubatshalizimali nosomabhizinisi. Nokho, ukuze usebenzise ibhange e-India, kuyadingeka ukuthi uthole ilayisensi yasebhange e-Reserve Bank of India (RBI). Kulesi sihloko, sizobheka izidingo zokuthola ilayisense yasebhange eNdiya kanye nezinyathelo okudingeka uzithathe ukuze ufike lapho.

Iyini ilayisensi yasebhange e-India?

Ilayisense yasebhange iyisigunyazo esisemthethweni esinikezwe i-Reserve Bank of India (RBI) enhlanganweni ukuze iqhube ibhange e-India. I-RBI iyisiphathimandla esilawulayo nesigadayo samabhange e-India futhi inomthwalo wemfanelo wokunikeza amalayisensi ebhange.

Kunezinhlobo ezimbili zamalayisensi asebhange e-India:

• ilayisensi yasebhange commercial
• Ilayisensi yebhange lokubambisana

Amabhange ezentengiselwano ayizinhlangano ezenza inzuzo ezinikeza izinsiza zamabhange kumakhasimende amaningi ahlukahlukene, kuyilapho amabhange okubambisana eyizinhlangano ezingenzi nzuzo ngokuvamile ezisungulelwa ukusiza abalimi, izingcweti, namabhizinisi amancane.

Izidingo zokuthola ilayisense yasebhange e-India

Ukuze uthole ilayisensi yasebhange e-India, inkampane kufanele igcwalise lezi zimo ezilandelayo:

1. Isakhiwo Sebhizinisi

Ibhizinisi elifuna ukuthola ilayisensi yasebhange e-India kufanele lifakwe njengenkampani ekhawulelwe yomphakathi noma ubambiswano olukhawulelwe. Inkampani kufanele ibhaliswe ngokuhambisana nezinhlinzeko zoMthetho Wezinkampani, 2013.

2. Imali encane

Ibhizinisi kufanele libe nemali encane efinyelela ku-Rs 500 crore ukuze lithole ilayisense yebhange lezentengiselwano kanye nama-Rs 100 crore ukuze lithole ilayisensi yebhange lokubambisana.

3. Isipiliyoni emkhakheni wamabhange

Ibhizinisi kufanele libe nesipiliyoni emkhakheni wamabhange noma wezezimali okungenani iminyaka eyi-10 ukuze lithole ilayisense yebhange lezentengiso kanye neminyaka engu-5 okungenani ukuze lithole ilayisense yebhange lokusebenzisana.

4. Ukuthobela Amazinga e-RBI

Ibhizinisi kufanele lithobelane namazinga e-RBI ekwenzeni imali, ukuphathwa kwezingcuphe, ukubusa kwebhizinisi nokuthobela imithetho.

5. Ikhono lokuhlinzeka ngezinsizakalo zebhange

Ibhizinisi kufanele libe nekhono lokuhlinzeka ngamasevisi ebhange ezinhlobonhlobo zamakhasimende futhi kufanele libe nohlelo lwebhizinisi oluqinile ukuze lifinyelele le njongo.

Izinyathelo zokuthola ilayisensi yasebhange e-India

Izinyathelo ezilandelayo kufanele zilandelwe ukuze uthole ilayisensi yasebhange e-India:

1. Ukulungiselela uhlelo lwebhizinisi

Ibhizinisi kufanele lilungiselele uhlelo lwebhizinisi olunemininingwane eminingi oluchaza izinjongo zebhizinisi, imikhiqizo namasevisi anikezwayo, izimakethe eziqondiwe, amasu okumaketha, ukuqagela kwezezimali, nezinhlelo zokukhula.

2. Umthethosisekelo wenhlangano

Ibhizinisi kufanele lifakwe njengenkampani ekhawulelwe yomphakathi noma ubambiswano olulinganiselwe ngokuvumelana nezinhlinzeko zoMthetho Wezinkampani, 2013.

3. Isicelo selayisensi yasebhange

Ibhizinisi kufanele lithumele isicelo selayisensi yasebhange kwa-RBI lisebenzisa ifomu lesicelo elinqunyiwe. Isicelo kumele sihambisane nohlelo lwebhizinisi olunemininingwane eminingi, uhlelo lokuthobela imithetho, uhlelo lokulawula ubungozi kanye nohlelo lokuphatha ngokubambisana.

4. Ukuhlolwa kwesicelo

I-RBI izohlola isicelo selayisensi yasebhange futhi ihlole isizinda ebhizinisini nabathuthukisi balo. I-RBI ingase futhi icele ulwazi olwengeziwe noma izincazelo ngesicelo.

5. Ukuhlolwa kwendawo

I-RBI izokwenza ukuhlola endaweni yebhizinisi ukuze ihlole amandla ayo okunikeza izinsizakalo zasebhange ngokuhambisana namazinga e-RBI. Ukuhlola endaweni kungathatha izinyanga ezimbalwa futhi kungase kuhlanganise ukuvakashelwa kwesayithi, izingxoxo nabasebenzi benhlangano kanye nokubuyekezwa kwemibhalo.

6. Isinqumo se-RBI

Ngemva kokuhlola isicelo selayisensi yasebhange kanye nokwenza ukuhlola endaweni, i-RBI izokwenza isinqumo ekunikezeni ilayisensi yasebhange. Uma isicelo sivunyiwe, i-RBI izokhipha incwadi yokugunyaza ilayisensi yasebhange.

7. Umthethosisekelo webhange

Ngemva kokuthola incwadi yokugunyaza ilayisensi yasebhange, inkampane kufanele ihlanganise ibhange ngokuvumelana nezinhlinzeko zoMthetho Wezinkampani, 2013. Ibhange kufanele futhi lithobele izindinganiso ze-RBI mayelana nokwenza imali, ukuphathwa kwezingcuphe, ukubusa kwebhizinisi nokuthobela imithetho.

Izibonelo zamabhange athole ilayisensi yasebhange e-India

Amabhange amaningana athole ilayisensi yasebhange eNdiya eminyakeni edlule. Nazi izibonelo:

1. Kotak Mahindra Bank

I-Kotak Mahindra Bank yasungulwa ngo-1985 njengefemu yokuthengisa izibambiso. Ngo-2003, ibhange lathola ilayisensi yebhange lezentengiselwano kwa-RBI futhi laba yibhange lokuqala lase-India elizimele ukuguqulwa libe yibhange lezohwebo. Namuhla, i-Kotak Mahindra Bank ingelinye lamabhange azimele ahamba phambili e-India anenethiwekhi yamagatsha angaphezu kuka-1 nama-ATM ezweni lonke.

2. Bandhan Bank

I-Bandhan Bank yasungulwa ngo-2001 njengenhlangano engenzi nzuzo ukusiza abesifazane nezingane ezindaweni zasemakhaya zaseNdiya. Ngo-2014, i-RBI yanikeza i-Bandhan Bank ilayisensi yebhange lezentengiselwano, okwenza leli bhange libe ibhange lokuqala ukusungulwa esifundazweni sase-West Bengal selokhu i-India yathola inkululeko. Namuhla, i-Bandhan Bank ingelinye lamabhange azimele ahamba phambili e-India anenethiwekhi yamagatsha angaphezu kwe-1 nama-ATM ezweni lonke.

Isiphetho

Ukuthola ilayisense yasebhange e-India kuyinqubo eyinkimbinkimbi edinga ukuhlela ngokucophelela nokuhambisana ngokuqinile nezindinganiso ze-RBI. Kodwa-ke, kosomabhizinisi nabatshalizimali abathole ngempumelelo ilayisense yasebhange, maningi amathuba embonini yamabhange ehlala ishintsha eNdiya.