{"id":128,"date":"2025-12-31T04:16:45","date_gmt":"2025-12-31T04:16:45","guid":{"rendered":"https:\/\/www.mera.money\/?page_id=128"},"modified":"2025-12-31T04:16:50","modified_gmt":"2025-12-31T04:16:50","slug":"indian-financial-dictionary","status":"publish","type":"page","link":"https:\/\/www.mera.money\/index.php\/indian-financial-dictionary\/","title":{"rendered":"Indian\u00a0Financial Dictionary"},"content":{"rendered":"\n

Sab Samjhein: Indian Finance<\/a> Terms Explained in Simple Hindi\/English<\/strong><\/p>\n\n\n

\"Financial<\/figure>\n\n\n

“Finance ki bhasha aasan hai – bus koi bataye to!”<\/strong> (Finance language is easy – if only someone explains!)<\/p>\n\n\n\n

If you’ve ever nodded along when someone said “diversification” or “asset allocation” while secretly thinking “kya bol raha hai yeh?” – this page is for you.<\/p>\n\n\n\n

Here, we break down 100+ Indian finance terms<\/strong> into simple language with real Indian examples<\/strong>. No complex English, no Western examples that don’t apply here. Just clear explanations for the average Indian.<\/p>\n\n\n\n

\ud83d\udcda THE DICTIONARY (A-Z):<\/strong><\/h2>\n\n\n\n

A<\/strong><\/h3>\n\n\n\n

Asset Allocation (\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0906\u0935\u0902\u091f\u0928)<\/strong>
What:<\/em> How you divide money between different investments
Simple:<\/em> “Your thali – some rice (safe), some sabzi (growth), some dal (balance)”
Indian Example:<\/em> Young Indian = 60% stocks, 30% FDs, 10% gold
Related:<\/em> Diversification, Portfolio<\/p>\n\n\n\n

Annual Percentage Rate (APR) – \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0926\u0930<\/strong>
What:<\/em> Real cost of loan<\/a> including all fees
Simple:<\/em> “Loan ka asli mehengaai”
Indian Example:<\/em> Personal loan says 12% but APR is 15% (processing fee + insurance included)
Watch For:<\/em> Credit cards show “monthly 3%” but APR is 42% yearly!<\/p>\n\n\n\n

B<\/strong><\/h3>\n\n\n\n

Balance Transfer (\u092c\u0948\u0932\u0947\u0902\u0938 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930)<\/strong>
What:<\/em> Moving debt from high-interest card to lower-interest one
Simple:<\/em> “Karza ek jagah se doosri jagah”
Indian Example:<\/em> Move \u20b91 lakh from HDFC (36%) to SBI (12% promo)
Tip:<\/em> Check processing fee (usually 2-3%)<\/p>\n\n\n\n

Bear Market (\u092c\u0947\u092f\u0930 \u092e\u093e\u0930\u094d\u0915\u091f)<\/strong>
What:<\/em> When stock market falls 20%+ for long period
Simple:<\/em> “Bhaav gir raha hai” (Prices falling)
Indian Example:<\/em> 2008 global crisis, 2020 COVID crash
Opposite:<\/em> Bull Market<\/p>\n\n\n\n

C<\/strong><\/h3>\n\n\n\n

CIBIL Score (CIBIL \u0938\u094d\u0915\u094b\u0930)<\/strong>
What:<\/em> Your credit report card (300-900)
Simple:<\/em> “Bank ka bharosa score”
Good Score:<\/em> 750+ (gets lower loan interest)
Improve:<\/em> Pay on time, use <30% credit limit
Check Free:<\/em> CRED, OneScore apps<\/p>\n\n\n\n

Capital Gains (\u092a\u0942\u0902\u091c\u0940\u0917\u0924 \u0932\u093e\u092d)<\/strong>
What:<\/em> Profit from selling investments
Types:<\/em> Short-term (<1 year), Long-term (>1 year)
Tax:<\/em> Shares – STCG: 15%, LTCG: 10% over \u20b91 lakh
Example:<\/em> Bought stock \u20b9100, sold \u20b9150 = \u20b950 capital gain<\/p>\n\n\n\n

D<\/strong><\/h3>\n\n\n\n

Demat Account (\u0921\u0940\u092e\u0948\u091f \u0916\u093e\u0924\u093e)<\/strong>
What:<\/em> Digital locker for shares\/mutual funds
Simple:<\/em> “Share ka Gmail”
Cost:<\/em> \u20b9200-300\/year
How to open:<\/em> Zerodha, Upstox, Groww (online, 10 minutes)
Myth:<\/em> “Only for experts” – False, SIP investors need it too<\/p>\n\n\n\n

Debt Fund (\u0921\u0947\u092c\u094d\u091f \u092b\u0902\u0921)<\/strong>
What:<\/em> Mutual fund investing in loans\/bonds
Simple:<\/em> “FD se behtar, stock se safe”
Returns:<\/em> 6-8% (better than FD after tax)
Best for:<\/em> Money needed in 1-3 years
Examples:<\/em> Liquid fund (emergency), Short-term debt fund (goals)<\/p>\n\n\n\n

E<\/strong><\/h3>\n\n\n\n

ELSS<\/a> (Equity Linked Savings Scheme)<\/strong>
What:<\/em> Mutual fund for tax saving under 80C
Simple:<\/em> “Tax bachao, paisa badao fund”
Lock-in:<\/em> 3 years (shortest in 80C)
Risk:<\/em> Medium (invests in stocks)
Start:<\/em> \u20b9500\/month SIP
Best for:<\/em> Young earners wanting growth + tax saving<\/p>\n\n\n\n

Emergency Fund<\/a> (\u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0928\u093f\u0927\u093f)<\/strong>
What:<\/em> 6 months expenses kept safe
Simple:<\/em> “Neend ki goli” (Sleeping pill)
Where:<\/em> Liquid mutual funds<\/a> (not FD)
Amount:<\/em> Monthly expenses \u00d7 6 + \u20b91 lakh buffer
Example:<\/em> \u20b930k\/month expenses = \u20b92.8 lakh emergency fund<\/p>\n\n\n\n

F<\/strong><\/h3>\n\n\n\n

Fixed Deposit (FD) – \u0938\u093e\u0935\u0927\u093f \u091c\u092e\u093e<\/strong>
What:<\/em> Money locked in bank for fixed period
Simple:<\/em> “Safe, par inflation se piche”
Interest:<\/em> 5-7% (taxable)
Better Option:<\/em> Debt funds for 3+ years (tax efficient)
Senior Citizen FD:<\/em> 0.5% extra interest<\/p>\n\n\n\n

Financial Year (FY) – \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937<\/strong>
What:<\/em> April 1 to March 31 (India)
Simple:<\/em> “Tax wala saal”
Important Dates:<\/em><\/p>\n\n\n\n