Bank jana ho ya online investment karni ho, "Paisa" har jagah hai! Lekin kya aapko pata hai ki 'Interest' aur 'Dividend' mein kya fark hai? Ya 'Collateral' kise kehte hain? Aaj hum decode karenge wo Finance terms jo har kisi ko pata honi chahiye taaki koi aapko baaton mein na phasa sake.
1. Common Banking Terms (Bank mein kaam aane wale words)
- Withdraw / Deposit: Paise nikalna aur paise jama karna.
- Sentence: "I need to withdraw some cash from the ATM." (Mujhe ATM se paise nikalne hain.)
- Insufficent Funds: Jab aapke account mein zaroorat se kam paise hon.
- Sentence: "The transaction failed due to insufficient funds."
- Overdraft: Jab bank aapko aapke account balance se thoda zyada paisa nikalne ki permission deta hai.
2. Loan & Debt (Karz aur Udhaar)
- Collateral: Loan lene ke liye jo cheez girvi rakhi jati hai (Jaise sona ya ghar).
- Sentence: "I gave my gold as collateral for the business loan."
- Mortgage: Ghar kharidne ke liye liya gaya loan.
- Sentence: "We just paid off our mortgage!" (Humne apne ghar ka loan chuka diya!)
- Default: Jab koi insaan loan ki kisht (EMI) bharne mein nakaam rahe.
3. Investment & Savings (Bachat aur Nivesh)
- Interest Rate: Wo extra paisa jo bank aapko deta hai ya loan par leta hai (Byaaj).
- Portfolio: Aapki saari investments ka ek collection (Stocks, Gold, FD etc.).
- Dividend: Jab koi company apna profit apne shareholders ke saath baant-ti hai.
- Liquidity: Kitni jaldi aap kisi cheez ko cash mein badal sakte hain.
4. Finance Dictionary Table
| English Word | Meaning in Hindi | Simple Context |
|---|---|---|
| KYC | Know Your Customer | Identity proof verify karna. |
| Grant | Manzoori dena | "My loan was granted." |
| Statement | Len-den ka hisab | Mahine bhar ka kharcha dekhna. |
| Credit Score | Udhaar lene ki kshamta | Achha score = Sasta loan. |
Interactive Quiz: Kya aap Finance Smart hain?
- Girvi rakhi hui cheez ko English mein kya kehte hain? (Dividend / Collateral)
- Paise nikalne ke liye sahi word? (Deposit / Withdraw)
- Profit ka wo hissa jo shareholders ko milta hai? (Dividend / Interest)
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