Banking aur finance ki duniya me kayin aise shabd aur phrases hain jo hume samajh nahi aate hain. Iski vajah se finance ke baare me seekhna thoda kathin ban jaata hain.
Banking aur finance ki duniya me kayin aise shabd aur phrases hain jo hume samajh nahi aate hain. Iski vajah se finance ke baare me seekhna thoda kathin ban jaata hain.
- Asset: Aisi koi cheez jo hum (ya koi company) own karte hai jiski koi value hoti hai.
Example: Loan ki keemat na chukane par bank ne uske assets ko zabt kar liya. - ATM: ATM Automatic Teller Machines hoti hain. Ye machines aapko transactions karne me help karti hai bina aapke bank jaaye. ATM ki madad se aap cash nikaal sakte hain, apna bank balance check kar sakte hain, ya money transfer kar sakte hain. Basically, ye self-service machines hoti hain jo banks alag alag jagah par install karte hain
Example: Mujhe paise nikaalne hain. Kya yahaan aas paas koi ATM hai? - Balance: Vo amount jo aapke account me bacha hua hai.
Example: Ramesh ke paas sufficient balance nahi tha. Isliye, vo payment nahi kar paya.
- Bank: Ek aisi organization jo aapka paisa safely rakhti hai.
Example: Aaj mai apne savings ke paise bank mai rakhwane gayi thi. - Bank Account: Bank ke sath kara gaya ek aisa arrangement jahaan aap amount daal aur nikaal sakte hain.
Example: Aaj usne apni beti ke liye Rs. 500 daal kar ek bank account khulwaya hai. - Borrower: Jo paisa, ya koi aur cheez, udhaar lete hain.
- Lender: Jo paisa, ya koi aur cheez, udhaar dete hain.
Example: Lender ne Borrower ko 10,000 rupaye diye. - Bank Branch: Kisi bhi bank ki koi physical location. Ek bank multiple locations par banaya ja sakta hai. Isey hi bank branch kehte hain.
Example: Kotak Bank ki ek nayi Branch Chandigarh me khuli hai. - Broker: Broker ek tarah ke agent hote hain jo buyer aur seller ke beech me transaction karate hain. Ye basically 2 parties ke beech me middleperson hote hain. Property khareedte time broker aapke aur apartment seller ke beech me ek agent hote hain aur banking terms me ye aapka trading account manage karte hain.
Example: Mera Broker zyada commission charge kar raha tha. To maine apna Broker badal liya hai. - BSE: Bombay Stock Exchange. Yeh India ki pehli aur sabse badi securities market hai aur 1875 me form hui thi.
Example: Vo har roz BSE ke through trade karta hai. - Budget: Kharche karne ka ek financial plan.
Example: Koi bhi shopping karne se pehle ek Budget zaroor banayein aur kitna kharcha aap afford kar sakte hain, uska dhyan rakhe. - Business days: Koi bhi aisa din jab normally business kara jaata hai. Generally, ye Mondays to Fridays hote hain.
Example: Vo sirf Business Days par hi trade karta hai. - Card holder: Kisi bhi card (Debit/Credit/RuPay/ATM) ke dhaarak. Vo log jo bank ka card use karte hain
Example: Cardholders ko ek minimum payment har mahine karni padti hai. - Cashback: ek aisa amount jo koi bhi payment karne par aapko vaapas milta hai. Cashbacks generally companies apni sales badhaane ke liye lekar aati hain.
Example: Kal mujhe mall me Rs. 5,000 ki shopping karne par 10% Cashback mila. - Check: Paisa transfer karne ka ek written tareeka. Check likhne par aap kisi aur ke account me money transfer karte hain. Fir, jiske liye ye check likha gaya hota hai, vo bank me jaakar paise deposit kar sakte hain.
Example: Usne payment Check me kari hai jisko jama karne ki duration 3 months hai. - Checking Account: Ek aisa deposit account jissey hum money nikaal sakte hain. Yeh account money spend karne ke liye hota hai aur ispar koi withdrawal limit nahi hoti
Example: Humne ek Checking Account khola hai jisme Rs. 7,000 added hain. - Collateral: Aisi koi cheez jo aap girwi rakhte hain.
Example: Usne loan ke liye apne ghar ko as a Collateral rakh dia. - Commission: Kisi bhi cheez ko bechne ke baad mila gaya paisa.
Example: Usey aaj ghar bechne ka Rs. 10,000 ka Commission mila hai. - Credit: Account me paisa add karne ko Credit karna kehte hain. Credit ek aisa amount bhi hota hai jo banks hume provide karte hain.
Example: Mere account me aaj meri salary ka Rs. 500 Credit ho gaye. - Credit Card: Ek aisa card jo banks hume issue karte hain transaction purposes ke liye. Credit Card ke madhyam se hum ek amount udhaar lekar payment karte hain aur fir baad me usey chukaate hain.
Example: Fraud hone ki vajah se usne apna Credit Card block karwa liya tha. - Credit limit: Aapke credit card par maximum spending limit.
Example: Kyonki usne apne Credit Card me aur paise add kare, uski Credit Limit increase ho gai. - Credit Score: Yeh number hamari creditworthiness check karta – kya humne past me time par credit card bills bhare hain, kya hum loans aasani se repay kar sakte hain, etc. Credit Score lenders, jaise banks, aur borrowers, yaani hum, me ek trust bhi build karta hai. Accha Credit Score hume easily loans dilwa sakta hai.
Example: Bank ne usey uske kam Credit Score ki vajah se loan nahi diya. - Debit: Account me se paisa nikaalne ko Debit kehte hain.
Example: Aaj Priya ne apne account se Rs. 5,000 Debit kare. - Debit Card: Ek aisa card jo banks hume issue karte hain transaction purposes ke liye. Debit card se transaction karne par amount hamare Savings account se nikaala jaata hai aur yeh amount hamare Savings account me rakhe gaye paise se zyada nahi ho sakta.
Example: Uska Debit Card ghar hi chhoot gaya jis vajah se vo ATM se paise nahi nikaal paya. - Debt: Karz
Example: Usne paisa abhi tak nahi chukaya aur vo ab Debt me hai. - Default: Loan ka debt na chuka paane ko Default kehte hain.
Example: - Deposit: Paisa jamaa karna.
Example: Dilip aaj paisa Deposit karne bank gaya. - Depositor: Jo paisa jamaa karate hain, unhe Depositor kehte hain.
Example: Ramya teen banks me Depositor hai. - E-Banking: Online hone vali banking.
Example: Usne E-Banking ka sahara lekar apna sara kaam kar liya. - FD: Fixed Deposit ek aisa investment option hota hai jisme hum ek fixed amount ek fixed period ke liye invest karte hain. Yeh amount iss time period ke liye lock ho jaata hai aur aap interest earn karte rehte hain.
Example: Usne paisa FD me invest kara hai. - FD Mature hona: Ek FD ka term khatam hone ko FD Mature hona kehte hain. Mature hone par aap ya to paisa FD me se nikaal kar Savings account me daal sakte hain ya fir FD ko renew kar sakte hain.
Example: Parso meri FD Mature ho jaegi. - Fraud: Dhokha
Example: Neha ke sath Rs. 1 lakh ka Fraud hua. - Inflation: Mehengai
Example: Inflation ki vajah se hamari economy par bahut asar pada hai. - Interest: Byaaz
Example: Savings account me paisa rakhne se bank hume ek Interest deti hai. - IPO: Initial Public Offering. Jab bhi koi company public company banti hai, aur apne shares stock exchange par pehli baar offer karti hai, usey IPO kehte hain
Example: Shyam ki company ka kal IPO khul raha hai. - Joint Account: Aisa bank account jo ek se zyada log ek sath open karte hain
Example: Ridhima ki family ne ek Joint Account khola. - KYC: Know Your Customer. Yeh client ki identity dekhne ka ek checking system hota hai. Issey banks ya insurance companies yeh ensure karte hain ke unka client ya citizen sahi hai ya nahi. Yeh customers ki identity aur address verification ke liye use hota hai
Example: Paytm account kholte samay aapko KYC karana zaroori hota hai. - Liability: Usually ek aisa amount jo aap kisi ko owe karte hain
Example: - Loan: Udhaar
Example: Usne ghar khareedne ke liye bank se ek Loan liya hai. - Mobile Banking: Facility jisme aap phone se hi saari transactions/financial activities kar sakte hain
Example: Mobile Banking ne hamari lives kaafi simple bana di hain. Ab hum kahi se bhi banking facilities ka faayda utha sakte hain. Zaroorat hai to bas ek internet connection ki. - Mortgage: Vo amount jo hum ghar khareedne ke liye borrow karte hain
Example: Unhone Rs. 50,000 ki Mortgage li.
- NEFT: National Electronic Funds Transfer. Payment system jo ek within country ek account se doosre me amount transfer karta hai
Example: Usne amount NEFT ke through bheja hai. - NSE: National Stock Exchange. BSE ki tarah yeh bhi ek stock exchange hai jo shares me trade karne me aapki madad karta hai. Yeh 1992 me form hua tha
Example: Vo BSE ke through trade karta hai. - Online transfer: Electronically amount bhejna, bina cash ke
Example: Aaj kal har jagah Online Transfers ki facility available hai. - OTP: OTP yaani One Time Password ek aisa code hota hai jo security purposes ke liye use kara jaata hai. For example, jab bhi aap koi transaction karte hain, aapko aapko banking company ek code bhejti hai to ensure ki aapne hi vo transaction kari hai. Yeh code sirf ek hi baar use kara ja sakta hai.
Example: Tumhare phone par ek OTP aya hoga. Kisi ke sath vo share mat karna. - Overdraft: Aapke bank account me rakhe gaye amount se zyada spend kara gaya/nikaala gaya amount. Happens jab banks ye zyada transaction allow kar dete hain
Example: Garima ke bank ke paas Overdraft facility nahi thi. - Passbook: Booklet jo aapki banking transactions ko note karti hai
Example: Bank se humne Passbook update kara li hai. - PIN: Ek 4-digit number jo bank account ya card ko unlock karne ke liye use hota hai
Example: Vo ATM jaakar apna PIN bhool gaya. - Portfolio: Aapne jin jin cheezo me invest kara hua hai, uska ek collection hota hai Portfolio
Example: Mera Portfolio mera Broker manage karta hai. - Public Company: Aisi ek company jiski ownership general public ke paas bhi hoti hai
Example: SBI ek Public Company ya ek Publicly Listed Company hai. - RD: Recurring Deposit ek aisa investment option hota hai jisme hum ek fixed interval par (jaise har mahine) ek amount daalte hain ek fixed time period ke liye. Unlike FDs, yaha aap saara amount ek sath invest nahi karte
Example: Usne paisa RD me invest kara hai. - Remittance: Ek aisa amount jo kisi ko bheja jaata hai. Generally ye overseas transfers ko refer karta hai
Example: Vo Australia me rehti hai. Usne ghar par Remittance bheji hai. - Savings: Bachat
Example: Iss saal usne Rs. 10,000 ki Savings ka plan kara hai. - Savings account: Ek aisa account jo aap bank me khol sakte hain aur paise add aur save kar sakte hain. Savings account se aap amount withdraw bhi kar sakte hain. Savings account me jamaa kare gaye amount par bank aapko interest bhi deti hai
Example: Usne Rs. 200 apne Savings account me daale hain. - SME: Small and Medium-sized Enterprises. Aisi companies and businesses jo zyada badi nahi hoti. Inka revenue bhi kam hota hai aur team size bhi
Example: India me aajkal kaafi SMEs dekhne ko mil rahe hain. - Statement: Bank dwara provided ek aisi list jo aapke mahine (ya lambi duration) bhar ki transactions ko show karti hai. Kitna paisa aapke account me jama hua aur kitna nikaala gaya, sab is statement me show hota hai
Example: Statement dekh kar use andaaza hua ki vo over-budget jaa chuka hai. - Stock/Shares: Company ka ek hissa jisme hum invest kar sakte hain
Example: Aaj usne IRCTC ke 5 Shares khareede. - Tax: Vo amount jo aapko har saal government ko pay karna hota hai. Taxes ki madad se government public services provide karti hai
Example: Tax bharne ki data nazdeek aa rahi hai. - Tax evasion: Jo tax aapko bharna hai use na pay karne ka crime
Example: - Withdraw: Paisa nikaalna
Example: Usey amount Withdraw karna that but vo apna debit card ghar bhool aya.
