Financial Related Words in Hindi: A Comprehensive Glossary

Financial literacy is a crucial aspect of personal and professional growth. Whether you are a student, an employee, or a business owner, understanding financial concepts and terminology can help you make informed decisions and navigate the complex world of finance.

In this blog post, we will explore a comprehensive glossary of financial related words in Hindi. We will cover a wide range of terms, from basic concepts to advanced financial terms. Whether you are a beginner or an expert, this glossary will serve as a valuable resource.

APR (Annual Percentage Rate)

वार्षिक ब्याज दर (एपीआर) - The annual percentage rate (APR) is the annualized interest rate charged on borrowed money. It includes both the interest rate and any additional fees or charges associated with the loan.

Asset

संपत्ति - An asset is anything of value that is owned by an individual, organization, or business. Examples of assets include cash, stocks, bonds, real estate, and vehicles.

Bonds

बाणिज्य - Bonds are debt securities issued by governments, corporations, and other organizations to raise capital. When you buy a bond, you are essentially lending money to the issuer in exchange for periodic interest payments and the return of the principal amount at maturity.

Capital gain

पूंजी की वृद्धि - A capital gain is the profit earned from the sale of a capital asset, such as stocks, bonds, or real estate. It is calculated by subtracting the purchase price from the selling price.

Capital loss

पूंजी का नुकसान - A capital loss is the loss incurred from the sale of a capital asset. It is calculated by subtracting the selling price from the purchase price.

Certificate of deposit (CD)

निगम जमा प्रमाणपत्र (सीडी) - A certificate of deposit (CD) is a time deposit offered by banks and financial institutions. It is a low-risk investment option that offers a fixed interest rate over a specified period of time.

Collateral

गारंटी - Collateral refers to an asset or property that is used as security for a loan. If the borrower fails to repay the loan, the lender can seize the collateral to recover the amount owed.

Compound interest

चक्रवृद्धि ब्याज - Compound interest is the interest calculated on the initial principal as well as the accumulated interest from previous periods. It allows the investment or loan to grow at an accelerated rate.

Consumer Price Index (CPI)

उपभोक्ता मूल्य सूचकांक (सीपीआई) - The Consumer Price Index (CPI) is a measure of the average change in prices paid by urban consumers for a basket of goods and services. It is used to track inflation and assess changes in purchasing power.

Copayment (or copay)

को-भुगतान (या कोपे) - A copayment, also known as a copay, is a fixed amount paid by the insured individual at the time of receiving healthcare services. It is a form of cost-sharing between the insurance company and the insured.

Cosigner

सहगामी - A cosigner is a person who agrees to take joint responsibility for a loan or credit application. They are equally liable for repaying the debt if the primary borrower fails to do so.

Credit

उधार - Credit is the ability to borrow money or access goods and services with the understanding that payment will be made in the future. It is a form of financial trust between the lender and the borrower.

Credit limit

उधार सीमा - A credit limit is the maximum amount of credit that a financial institution or lender extends to a borrower. It represents the upper boundary of borrowing capacity.

Credit Report

ऋण रिपोर्ट - A credit report is a detailed record of an individual's credit history. It includes information about their borrowing and repayment behavior, outstanding debts, and creditworthiness.

Credit score

ऋणात्मक गुणांक - A credit score is a numerical representation of an individual's creditworthiness. It is based on their credit history and is used by lenders to assess the risk of lending to a particular individual.

Credit union

उधार संघ - A credit union is a member-owned financial cooperative that provides financial services, such as loans, savings accounts, and credit cards, to its members. It operates on a not-for-profit basis.

Cryptocurrency

क्रिप्टोकरेंसी - Cryptocurrency is a digital or virtual form of currency that uses cryptography for secure financial transactions. Examples of cryptocurrencies include Bitcoin, Ethereum, and Ripple.

Data breach

डेटा उल्लंघन - A data breach is a security incident in which unauthorized individuals gain access to confidential or sensitive information. It can result in financial loss, identity theft, and reputational damage.

Debit card

डेबिट कार्ड - A debit card is a payment card that deducts money directly from the cardholder's checking account to pay for purchases. It eliminates the need to carry cash or write checks.

Debt consolidation

ऋण संघटन - Debt consolidation is the process of combining multiple debts into a single loan or payment. It aims to simplify debt repayment and potentially reduce interest rates or monthly payments.

Deductible

कटौती योग्य - A deductible is the amount of money that the insured individual must pay out of pocket before the insurance company covers the remaining expenses. It is commonly associated with health insurance and auto insurance policies.

Direct deposit

प्रत्यक्ष जमा - Direct deposit is the electronic transfer of funds directly into an individual's bank account. It is commonly used for receiving salaries, government benefits, and tax refunds.

Dividend

डिविडेंड - A dividend is a distribution of a portion of a company's earnings to its shareholders. It is typically paid in the form of cash or additional shares of stock.

Down payment

डाउन पेमेंट - A down payment is a portion of the purchase price that is paid upfront when buying a big-ticket item, such as a house or a car. It reduces the amount of money borrowed and signifies the buyer's commitment.

FAFSA – Free Application for Federal Student Aid

फाफसा - मुफ्त राज्य छात्र सहायता आवेदन - The Free Application for Federal Student Aid (FAFSA) is a form that students and their families fill out to apply for financial aid for higher education. It determines eligibility for federal grants, loans, and work-study programs.

Fixed expenses

निश्चित खर्च - Fixed expenses are recurring expenses that remain constant or relatively stable month after month. Examples of fixed expenses include rent or mortgage payments, insurance premiums, and loan payments.

Form W-2: Wage and Tax Statement

फॉर्म डब्ल्यू-२: वेतन और कर विवरण प्रमाणपत्र - Form W-2 is a tax form used by employers to report wages paid to employees and the amount of taxes withheld from their paychecks. It is used by employees to file their individual income tax returns.

Form W-4: Employee’s Withholding Allowance Certificate

फॉर्म डब्ल्यू-४: कर्मचारी का कर कटौती अनुमति प्रमाणपत्र - Form W-4 is a tax form completed by employees to indicate the amount of federal income tax to withhold from their paychecks. It helps employers calculate the correct amount of tax to deduct.

Grace period

क्षमा अवधि - A grace period is a specified period of time after the due date of a payment during which no late fees or penalties are charged. It provides a buffer for individuals to make the payment without incurring additional costs.

Gross income

कुल आय - Gross income is the total income earned by an individual or business before deductions and taxes. It includes wages, salaries, tips, rental income, and other sources of income.

Identity theft

व्यक्तित्व चोरी - Identity theft is a crime in which an individual's personal information is stolen and used without their consent for fraudulent purposes. It can result in financial loss, damage to reputation, and legal implications.

Inflation

मुद्रास्फीति - Inflation is the rate at which the general level of prices for goods and services is rising, eroding purchasing power. It is measured by the Consumer Price Index (CPI) and is influenced by factors such as supply and demand, government policies, and economic conditions.

Interest

ब्याज - Interest is the cost of borrowing money or the return on investment. It is calculated as a percentage of the principal amount and is typically expressed as an annual rate.

Interest rate

ब्याज दर - An interest rate is the percentage of the principal amount charged or paid for the use of money over a specified period of time. It is determined by various factors, such as market conditions, inflation, and the borrower's creditworthiness.

Investment

निवेश - Investment refers to the allocation of money or resources with the expectation of generating income or profit in the future. It can involve various asset classes, such as stocks, bonds, real estate, and commodities.

Money order

मनी आर्डर - A money order is a payment instrument issued by a financial institution or post office. It is a secure alternative to cash or personal checks and is often used for making payments or sending money through the mail.

Mortgage

गृह ऋण - A mortgage is a loan used to finance the purchase of real estate. The property serves as collateral, and the borrower makes regular payments to repay the loan over a specified period of time.

Mutual fund

संयुक्त निधि - A mutual fund is an investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. It is managed by professional fund managers.

Net income

निःशुल्क आय - Net income is the amount of money an individual or business earns after deducting expenses, taxes, and other deductions from gross income. It represents the final profit or income available.

Overdraft

ओवरड्राफ्ट - An overdraft is a banking service that allows an individual to withdraw more money from their bank account than they have available. It is a form of short-term borrowing and is subject to interest charges and fees.

Phishing scam

फिशिंग घोटाला - A phishing scam is a fraudulent attempt to obtain sensitive information, such as usernames, passwords, and credit card details, by disguising as a trustworthy entity in electronic communication. It often involves email or website spoofing.

Principal

मुख्य - Principal refers to the original amount of money borrowed or invested, excluding interest. It is the basis for calculating interest payments and determining the total amount owed.

Rate of return

वापसी दर - The rate of return is the gain or loss on an investment relative to the amount of money invested. It is expressed as a percentage and reflects the profitability of the investment.

Redlining

रेडलाइनिंग - Redlining is the discriminatory practice of denying or limiting financial services, such as loans or insurance, to certain geographic areas based on the racial or ethnic composition of the residents. It is illegal in many jurisdictions.

Secured credit card

गारंटीबद्ध क्रेडिट कार्ड - A secured credit card is a type of credit card that requires a cash deposit as collateral. It is often used by individuals with limited or poor credit history to build credit or improve creditworthiness.

Stock

स्टॉक - A stock is a type of security that represents ownership in a company. It entitles the holder to a share of the company's assets, earnings, and voting rights.

Tax credit

कर श्रेय - A tax credit is a dollar-for-dollar reduction in the amount of income tax owed to the government. It is a form of tax incentive provided to individuals or businesses for certain expenses or activities.

Tax deduction

कर छूट - A tax deduction is an expense that can be subtracted from taxable income, reducing the amount of income subject to taxation. It lowers the taxpayer's overall tax liability.

Unsecured loan

असुरक्षित ऋण - An unsecured loan is a loan that is not backed by collateral. It is based solely on the borrower's creditworthiness and ability to repay.

Withholding ("pay-as-you-earn" taxes)

कर कटौती ("वेतन के रूप में कटवाए गए" कर) - Withholding refers to the deduction of income tax from an employee's wages or salary by the employer. It is done on a pay-as-you-earn basis to ensure timely tax payments.

License

लाइसेंस - A license is an official permission or authorization granted by a government or regulatory body to engage in a specific activity or profession. It is often required for certain occupations, such as driving, practicing medicine, or operating a business.

Share This Book

इस पुस्तक को साझा करें - Share This Book is a phrase used to encourage individuals to share a book or its content with others. It promotes knowledge sharing and collaboration.

Now that we have explored a wide range of financial related words in Hindi, you can use this comprehensive glossary as a reference to enhance your financial literacy. Whether you are studying finance, working in the financial industry, or simply interested in personal finance, understanding these terms will empower you to make informed decisions and achieve financial success.