Home फाइनेंस नया व्यवसाय शुरू करते समय अपने वित्त की योजना कैसे बनाएं

नया व्यवसाय शुरू करते समय अपने वित्त की योजना कैसे बनाएं

By
Kunal Sharma
-
338

परिचय

व्यवसाय शुरू करने से पहले, यह समझना बहुत महत्वपूर्ण है कि आप इसके लिए आवश्यक लागतों को कैसे कवर करेंगे। यह निर्धारित करें कि आपके पास आवश्यक फंड्स हैं या आपको पैसे उधार लेने की जरूरत है। यदि आप अपनी वर्तमान नौकरी छोड़ने का सोच रहे हैं, तो सुनिश्चित करें कि आपके पास अपने व्यवसाय के लाभकारी होने तक खुद को सहारा देने के लिए पर्याप्त बचत हो।

अपने स्टार्टअप खर्चों का अनुमान लगाएं

कई स्टार्टअप इस कारण विफल हो जाते हैं क्योंकि वे लाभ उत्पन्न करने से पहले ही पैसे खत्म कर देते हैं। स्टार्टअप खर्चों का अनुमान लगाना एक सबसे महत्वपूर्ण कदम है जो आपको व्यवसाय शुरू करने के लिए करना चाहिए। यह समझना समझदारी है कि आपके स्टार्टअप पूंजी का अधिकतम अनुमान लगाना चाहिए, क्योंकि व्यवसाय को स्थिर राजस्व उत्पन्न करने में समय लगता है।

ब्रेक-इवन विश्लेषण आपको यह समझने में मदद करता है कि आपका व्यवसाय, उत्पाद या सेवा कब लाभकारी बनेगा। इसका सूत्र इस प्रकार है:
स्थिर लागत ÷ (प्रति यूनिट औसत मूल्य – परिवर्तनीय लागत) = ब्रेक-इवन प्वाइंट।
यह विश्लेषण एक मूल्यवान उपकरण है क्योंकि यह आपको नुकसान से बचने के लिए न्यूनतम प्रदर्शन दिखाता है और आपको लाभ उत्पन्न करने के आधार पर उत्पादन लक्ष्य निर्धारित करने में मदद करता है।

ब्रेक-इवन विश्लेषण करने के तीन मुख्य कारण:

  1. लाभप्रदता निर्धारित करना
    सभी खर्चों को कवर करने के लिए आवश्यक राजस्व की गणना करें। यह पहचानें कि कौन से उत्पाद या सेवाएं लाभदायक हैं और कौन से नुकसान का कारण बनती हैं।
  2. उत्पाद या सेवा का मूल्य तय करना
    निश्चित दरें, परिवर्तनीय लागत, कुल लागत और भौतिक वस्तुओं या श्रम की लागत पर विचार करें।
  3. डेटा का विश्लेषण करें
    स्थिर लागतों को घटाने, प्रति यूनिट परिवर्तनीय लागत को कम करने और बिक्री को बढ़ाने के तरीके खोजें।

अपने खर्चों की निगरानी करें

व्यवसाय शुरू करते समय अधिक खर्च से बचें। उन खरीदों पर ध्यान दें जो आपके व्यवसाय के उद्देश्यों से मेल खाती हैं और उन भव्य उपकरणों से बचें जो आपके लक्ष्यों में योगदान नहीं करते। सुनिश्चित करें कि आप अपने व्यावासिक खर्चों पर कड़ी नजर रखें और बजट के भीतर रहें।

फंडिंग विकल्पों का अन्वेषण करें

स्टार्टअप पूंजी प्राप्त करने के लिए विभिन्न तरीके हैं, जो आपकी क्रेडिट योग्यता, फंडिंग की राशि और उपलब्ध विकल्पों पर निर्भर करते हैं:

व्यापार ऋण

बैंक से वाणिज्यिक ऋण प्राप्त करने पर विचार करें या छोटे व्यवसाय प्रशासन (SBA) या वैकल्पिक उधारदाताओं से छोटे व्यवसाय ऋण पर विचार करें।

व्यापार अनुदान

अपने व्यवसाय की स्थिति के आधार पर, जैसे अल्पसंख्यक स्वामित्व, महिला स्वामित्व, और सरकारी अनुदान, अनुसंधान करें और इन अनुदानों के लिए आवेदन करें।

एंजेल निवेशक

एंजेल निवेशकों को आकर्षित करने पर विचार करें जो व्यापार में सक्रिय भूमिका के बदले में महत्वपूर्ण पूंजी प्रदान कर सकते हैं।

इक्विटी क्राउडफंडिंग

स्पेशलाइज्ड क्राउडफंडिंग प्लेटफॉर्म का उपयोग करके छोटे निवेशकों से पूंजी जुटाने के लिए एक इक्विटी क्राउडफंडिंग अभियान लॉन्च करें।

सही व्यापार बैंक का चयन करें

जब आप अपने व्यापार के लिए एक बैंक का चयन करते हैं, तो छोटे सामुदायिक बैंकों पर विचार करें जो स्थानीय बाजार की परिस्थितियों को समझते हैं और आपके व्यापार प्रोफाइल और चरित्र के आधार पर आपके साथ मिलकर काम करने की संभावना रखते हैं। ये बैंक व्यक्तिगत रिश्तों को प्राथमिकता देते हैं और बड़े बैंकों की तुलना में तेज निर्णय-निर्माण की प्रक्रिया प्रदान कर सकते हैं, जो क्रेडिट स्कोर पर अधिक निर्भर करते हैं। बैंक चुनते समय, यह मूल्यांकन करें कि आपके और आपके व्यवसाय की ज़रूरतों के लिए सबसे महत्वपूर्ण क्या है और विभिन्न बैंकों के साथ बैठकें शेड्यूल करें ताकि आप सबसे अच्छा विकल्प ढूंढ सकें।

निष्कर्ष

अपने वित्त का मूल्यांकन करना, ब्रेक-इवन विश्लेषण करना, खर्चों की निगरानी रखना, फंडिंग विकल्पों का अन्वेषण करना और सही व्यापार बैंक का चयन करना ये सभी कदम आपके नए उद्यम के लिए वित्तीय स्थिरता सुनिश्चित करने के लिए आवश्यक हैं।

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