Finance Glossary A–Z — 203+ Terms Simple Hinglish Mein
India mein personal finance ki poori glossary. Koi bhi financial term search karo — SIP, mutual funds, income tax, CIBIL score, government schemes — simple Hinglish mein real Indian examples ke saath.
🔥 Popular Terms
A
Aadhaar Card
Government
Aadhaar UIDAI dwara har Indian resident ko diya jaane wala 12-digit unique ID number hai. Identity a…
Advance Tax
Tax
Advance tax wo income tax hai jo financial year ke dauraan instalments mein pay karna padta hai jab …
AMC (Asset Management Company)
Mutual Funds
AMC wo company hai jo mutual fund schemes ko manage aur operate karti hai. Investors ka paisa pool k…
Amortization
Credit
Amortization loan ko regular EMI payments se time ke saath repay karne ki process hai. Starting mein…
APY (Atal Pension Yojana)
Government Schemes
APY unorganized sector workers ke liye government pension scheme hai. 60 ki age ke baad ₹1,000-5,000…
Asset Allocation
Basics
Asset allocation apne portfolio ko alag asset categories — equity, debt, gold, real estate — mein di…
AUM (Assets Under Management)
Mutual Funds
AUM wo total market value hai jo ek mutual fund, AMC ya financial institution investors ke behalf pe…
Ayushman Bharat (PMJAY)
Government Schemes
Ayushman Bharat duniya ki sabse badi government health insurance scheme hai — har family ko ₹5 lakh …
B
Bear Market
Stock Market
Bear market wo period hai jab stock prices recent highs se 20% ya usse zyada gir jaati hain. Long-te…
Blue Chip Stocks
Stock Market
Blue chip stocks wo shares hain jo well-established, financially strong, large-cap companies ke hote…
Bond
Basics
Bond ek fixed-income debt instrument hai jisme issuer (government ya company) investors se paisa udh…
Bonus Shares
Stock Market
Bonus shares company dwara existing shareholders ko free mein diye jaane wale additional shares hain…
Brokerage Charges
Stock Market
Brokerage wo fee hai jo stockbrokers buy/sell orders execute karne ke liye charge karte hain. Discou…
BSE (Bombay Stock Exchange)
Stock Market
BSE Asia ka sabse purana stock exchange hai, 1875 mein Mumbai mein establish hua. Sensex iska benchm…
Bull Market
Stock Market
Bull market wo period hai jab stock prices lambe samay tak badhti hain (20%+ from recent lows). Opti…
C
CAGR
Basics
CAGR ek investment ki mean annual growth rate batata hai ek specific time period mein. Volatility ko…
Capital Gains Tax
Tax
Capital Gains Tax wo tax hai jo stocks, mutual funds, property ya gold jaise assets bechne pe profit…
Car Loan
Credit
Car loan ek secured loan hai vehicle kharidne ke liye, gaadi hi collateral hoti hai. Banks 80-90% fi…
Carpet Area
Real Estate
Carpet area flat ke andar walls ke beech ka actual usable floor area hai. RERA ke baad builders ko c…
CDSL
Stock Market
CDSL India ki doosri securities depository hai, BSE ne 1999 mein establish ki. Zerodha, Groww jaise …
CIBIL Score
Credit
CIBIL Score TransUnion CIBIL dwara di jaane wali 3-digit credit rating (300-900) hai. 750 se upar go…
Circle Rate
Real Estate
Circle rate wo minimum property value hai jo state government set karti hai stamp duty calculate kar…
Claim Settlement Ratio (CSR)
Insurance
CSR wo percentage hai ki insurance company ne ek saal mein total claims mein se kitne settle kiye. 9…
Collateral
Credit
Collateral wo asset hai jo loan ki security ke roop mein pledge kiya jaata hai. Default hone pe lend…
Compound Interest
Basics
Compound interest wo interest hai jo initial principal ke saath saath pehle ke accumulated interest …
Corporate Bond
Banking
Corporate bonds companies dwara capital raise karne ke liye issue hone wale debt instruments hain. G…
CPI (Consumer Price Index)
Economy
CPI consumer goods aur services ki ek basket ke average price mein time ke saath change measure kart…
Credit Card
Credit
Credit card bank dwara issued financial tool hai jisse aap pre-set limit tak khareedari kar sakte ho…
Credit Report
Credit
Credit report aapki credit history ka detailed record hai jo credit bureaus maintain karte hain. Loa…
Credit Score
Credit
Credit score 3-digit number (300-900) hai jo aapki creditworthiness batata hai. 750+ score pe best l…
CRR (Cash Reserve Ratio)
Banking
CRR wo percentage hai jo banks ko apne total deposits ka RBI ke paas cash reserves ke roop mein rakh…
Current Account Deficit (CAD)
Economy
CAD tab hota hai jab ek country ka imports uske exports se zyada ho jaaye. India typically CAD mein …
D
DBT (Direct Benefit Transfer)
Government
DBT government ki ek reform hai jisme subsidies aur benefits seedha beneficiaries ke bank accounts m…
Debit Card
Banking
Debit card aapke bank account se linked hota hai. Sirf utna kharcha kar sakte ho jitna account mein …
Debt Mutual Fund
Mutual Funds
Debt mutual funds government bonds, corporate bonds, treasury bills mein invest karte hain. Equity s…
Demat Account
Stock Market
Demat account ek electronic account hai jisme aapke shares, bonds, mutual fund units digital form me…
Derivatives
Stock Market
Derivatives wo financial instruments hain jinki value underlying asset (stocks, indices, commodities…
DICGC (Deposit Insurance)
Banking
DICGC har depositor ke per bank ₹5 lakh tak ke deposits insure karta hai. Bank fail hone pe DICGC in…
Digital Gold
Gold
Digital gold se aap ₹1 se bhi online gold kharid sakte ho. Physical gold secure vaults mein stored r…
Direct Plan
Mutual Funds
Direct Plan mein aap bina kisi distributor ya agent ke seedha AMC mein invest karte ho. Regular plan…
Direct vs Regular MF
Mutual Funds
Direct plan mein distributor commission nahi hota, expense ratio kam hota hai (0.5-1% sasta). Long t…
Diversification
Basics
Diversification ek investment strategy hai jisme risk kam karne ke liye alag-alag asset classes mein…
Dividend
Stock Market
Dividend company ki earnings ka wo portion hai jo shareholders ko distribute kiya jaata hai, usually…
E
e-KYC
Banking
e-KYC Aadhaar-based electronic process hai customer ki identity verify karne ke liye. Instant accoun…
ELSS (Equity Linked Savings Scheme)
Mutual Funds
ELSS ek equity mutual fund hai jo Section 80C ke under tax deduction deta hai. Sabse kam 3 saal ka l…
Emergency Fund
Basics
Emergency fund wo cash reserve hai jo unexpected expenses ke liye rakha jaata hai — medical emergenc…
EMI (Equated Monthly Instalment)
Credit
EMI wo fixed monthly payment hai jo loan repay karne ke liye deni hoti hai. Isme principal aur inter…
EPF (Employee Provident Fund)
Government Schemes
EPF ek retirement savings scheme hai jo EPFO manage karta hai. Employer aur employee dono basic sala…
EPS (Employee Pension Scheme)
Employment
EPS EPFO ke under pension scheme hai. Employer ke contribution ka 8.33% EPS mein jaata hai. 10 saal …
Equity (Shares)
Stock Market
Equity matlab company mein ownership shares ke through. Equity mein risk zyada hai lekin long-term r…
ETF (Exchange Traded Fund)
Mutual Funds
ETF ek investment fund hai jo stock exchange pe share ki tarah trade hota hai. Index, commodity ya s…
Exit Load
Mutual Funds
Exit load wo fee hai jo mutual fund company charge karti hai jab aap specified period se pehle units…
Expense Ratio
Mutual Funds
Expense ratio wo annual fee hai jo mutual fund aapke investment manage karne ke liye charge karta ha…
F
Face Value
Stock Market
Face value share ki original value hai jo company ke charter mein likhi hoti hai. Mostly ₹1, ₹2, ₹5 …
FD (Fixed Deposit)
Banking
FD ek financial instrument hai jisme aap bank ya NBFC mein ek fixed period ke liye lump sum amount d…
Financial Inclusion
Economy
Financial inclusion matlab society ke sabhi sections ko affordable financial services (banking, insu…
Financial Planning
Basics
Financial planning mein goals set karna, budget banana, debt manage karna, emergency fund, investing…
Financial Year and Assessment Year
Tax
India mein Financial Year April 1 se March 31 tak hota hai. Assessment Year next year hota hai jab p…
Fiscal Deficit
Economy
Fiscal deficit government ke total expenditure aur total revenue (borrowings chhod ke) ka difference…
Forex
Economy
Forex foreign exchange market hai jahan currencies trade hoti hain. India ke forex reserves $640+ bi…
Form 16
Tax
Form 16 employer dwara issue hone wala TDS certificate hai jisme salary paid, tax deducted, aur dedu…
Futures Contract
Stock Market
Futures contract ek agreement hai jisme ek specific future date pe predetermined price pe asset buy …
G
GDP (Gross Domestic Product)
Economy
GDP ek country mein ek specific time mein produce hone wale saare goods aur services ki total moneta…
Gilt Fund
Mutual Funds
Gilt funds sirf government securities (G-Secs) mein invest karte hain. Zero credit risk hai (soverei…
Gold ETF
Gold
Gold ETF ek exchange-traded fund hai jo domestic gold price track karta hai. Har unit 1 gram pure go…
Gold Loan
Credit
Gold loan mein aap physical gold (jewellery/coins) pledge karke loan lete ho. Gold value ka 75% tak …
Government Bond (G-Sec)
Banking
G-Secs Government of India ke debt instruments hain. Risk-free maane jaate hain kyunki government ba…
Gratuity
Employment
Gratuity employer dwara employee ko di jaane wali lump sum payment hai jab wo 5 saal ya usse zyada k…
GST (Goods and Services Tax)
Tax
GST India ka unified indirect tax hai jo VAT, service tax, excise duty ki jagah aaya. 1 July 2017 se…
H
Health & Education Cess
Tax
Cess income tax aur surcharge ke upar lagta hai specific government initiatives fund karne ke liye. …
Health Insurance
Insurance
Health insurance medical expenses cover karta hai — hospitalization, surgery, medicines, diagnostic …
Home Loan
Credit
Home loan banks aur housing finance companies dwara residential property kharidne, banana ya renovat…
HRA (House Rent Allowance)
Tax
HRA employer dwara employee ko accommodation expenses ke liye diya jaane wala salary component hai. …
Hybrid Mutual Fund
Mutual Funds
Hybrid funds equity aur debt dono mein invest karte hain ek fund mein. Balanced Advantage Fund autom…
I
IMPS
Banking
IMPS 24/7 real-time interbank fund transfer service hai jo NPCI offer karta hai. ₹5 lakh tak instant…
Income Tax
Tax
Income Tax wo direct tax hai jo Government of India individual aur corporate income pe lagaati hai. …
Income Tax Slab
Tax
Tax slabs alag-alag income ranges hain jinpe different rates se tax lagta hai. New Regime mein ₹12L …
Index Fund
Mutual Funds
Index Fund ek passive mutual fund hai jo Nifty 50, Sensex jaise market index ko replicate karta hai.…
Indexation
Tax
Indexation ek method hai jisme Cost Inflation Index (CII) use karke asset ka purchase price inflatio…
Indian Rupee (INR)
Economy
Indian Rupee (₹, INR) India ki official currency hai, RBI issue karta hai. Exchange rate market forc…
Inflation (Mehangai)
Economy
Inflation wo rate hai jis pe goods aur services ki prices time ke saath badhti hain. India mein CPI …
Insurance (Bima)
Insurance
Insurance ek financial contract hai jisme insurer regular premium ke badle specified losses ke liye …
Insurance Premium
Insurance
Premium wo amount hai jo insurance company ko regularly pay karte ho policy active rakhne ke liye. A…
Interest Rate
Basics
Interest rate paisa udhaar lene ki cost ya deposits/investments pe milne wala return hai. Fixed rate…
Intraday Trading
Stock Market
Intraday trading matlab ek hi din mein shares buy aur sell karna, market close hone se pehle. Levera…
IPO (Initial Public Offering)
Stock Market
IPO wo process hai jisme ek private company pehli baar stock exchange pe list hoke apne shares publi…
IRDAI
Insurance
IRDAI India ka insurance regulator hai jo insurance industry ko regulate aur promote karta hai. 1999…
ITR (Income Tax Return)
Tax
ITR ek annual tax document hai jo Income Tax Department ko file karna hota hai. Total income, deduct…
K
L
Large Cap
Stock Market
Large cap companies ka market cap ₹20,000 crore se zyada hota hai (top 100). Stable, less volatile h…
Liquid Fund
Mutual Funds
Liquid fund ek debt mutual fund hai jo bahut short-term instruments (91 days tak) mein invest karta …
Loan Against Property (LAP)
Credit
LAP mein aap apni residential ya commercial property pledge karke loan lete ho. Property value ka 50…
Loan Prepayment
Credit
Prepayment matlab loan ka kuch ya poora amount scheduled tenure se pehle pay karna. Floating rate ho…
LTA (Leave Travel Allowance)
Employment
LTA salary ka ek component hai jo leave ke dauraan travel expenses pe tax exemption deta hai. Sirf d…
LTCG (Long Term Capital Gains)
Tax
LTCG tab lagta hai jab minimum holding period ke baad asset bechte ho. Equity pe ₹1.25 lakh tak exem…
Lumpsum Investment
Basics
Lumpsum matlab ek baar mein badi amount invest karna, SIP ke opposite. Jab surplus funds ho (bonus, …
M
Margin Trading
Stock Market
Margin trading mein broker se paisa udhaar lekar securities kharide jaati hain. Gains aur losses don…
Market Capitalization
Stock Market
Market cap ek company ke total outstanding shares ki total market value hai. Large Cap (>₹20,000 Cr)…
Market Correction
Stock Market
Correction stocks ki prices mein 10-20% ki girawat hai recent highs se. Normal aur healthy hota hai.…
Mid Cap
Stock Market
Mid cap companies 101st se 250th rank pe hoti hain market cap mein (₹5,000-20,000 crore). Large cap …
Motor Insurance
Insurance
Motor insurance vehicle damage aur third-party liabilities ke against financial protection deta hai.…
MSME
Economy
MSMEs investment aur turnover ke basis pe classify hote hain. India ki GDP mein 30%+ contribute kart…
Mudra Loan
Government Schemes
Mudra Loan PMMY ke under micro/small businesses ko ₹10 lakh tak ka collateral-free loan deta hai. Sh…
Multi Cap / Flexi Cap Fund
Mutual Funds
Multi Cap funds large, mid aur small cap teeno mein invest karte hain. Flexi Cap mein fund manager d…
Mutual Fund
Mutual Funds
Mutual fund ek professionally managed investment hai jisme bahut saare investors ka paisa ek saath p…
Mutual Fund Sahi Hai
Mutual Funds
'Mutual Fund Sahi Hai' AMFI ka investor awareness campaign hai jo 2017 mein launch hua. Retail inves…
Mutual Fund Taxation
Tax
Equity funds: STCG 20%, LTCG 12.5% (₹1.25L exempt). Debt funds (after April 2023): slab rate. Hybrid…
N
NACH
Banking
NACH NPCI ka centralized clearing system hai jo bulk aur repetitive electronic payments ke liye use …
NAV (Net Asset Value)
Mutual Funds
NAV ek mutual fund scheme ki per-unit market value hoti hai. Total assets minus liabilities ko outst…
NBFC
Banking
NBFC financial institutions hain jo loans, credit facilities deti hain lekin bank nahi hain. Demand …
NCB (No Claim Bonus)
Insurance
NCB wo discount hai jo har claim-free year ke baad insurance premium pe milta hai. Motor mein 20% (1…
NEFT
Banking
NEFT ek nationwide electronic payment system hai jo bank accounts ke beech half-hourly batches mein …
New Tax Regime
Tax
New Tax Regime mein lower tax rates hain lekin bahut kam deductions milti hain. HRA, 80C, 80D nahi m…
NFO (New Fund Offer)
Mutual Funds
NFO ek naye mutual fund scheme ki initial subscription offering hai. NFO period mein units face valu…
Nifty 50
Stock Market
Nifty 50 National Stock Exchange (NSE) ka benchmark index hai jisme India ki 50 sabse badi aur liqui…
Nomination (Nominee)
Basics
Nomination wo process hai jisme aap ek person designate karte ho jo aapki death ke case mein financi…
NPCI
Banking
NPCI India ki retail payment systems ka umbrella organization hai. UPI, IMPS, RuPay, FASTag, Bharat …
NPS (National Pension System)
Government Schemes
NPS ek voluntary government pension scheme hai jo equity, bonds aur govt securities mein invest kart…
NRI Investment Options
Banking
NRIs India mein NRE aur NRO accounts ke through invest kar sakte hain. Mutual funds, stocks, NPS, FD…
NSC (National Savings Certificate)
Government Schemes
NSC India Post ki 5-saal lock-in wali fixed income investment scheme hai. Current rate 7.7% hai. Sec…
NSDL
Stock Market
NSDL India ki pehli aur sabse badi securities depository hai. Aapka demat account NSDL ya CDSL mein …
NSE (National Stock Exchange)
Stock Market
NSE trading volume ke hisaab se India ka sabse bada stock exchange hai. 1992 mein establish hua aur …
O
P
P/E Ratio
Stock Market
P/E ratio batata hai ki investors company ki har ₹1 ki earnings ke liye kitna pay karne ko ready hai…
PAN Card
Tax
PAN (Permanent Account Number) Income Tax Department dwara issue hone wala 10-character unique ID ha…
Pension
Employment
Pension retirement ke baad milne wali regular income hai. India mein EPS, NPS, APY, aur Old Pension …
Personal Loan
Credit
Personal loan ek unsecured loan hai jo kisi bhi purpose ke liye le sakte ho — medical, wedding, trav…
PF Withdrawal Rules
Employment
EPF partial withdrawal specific reasons ke liye ho sakta hai — medical, home, education, marriage. F…
PM Awas Yojana
Government Schemes
PMAY government housing scheme hai jo EWS/LIG/MIG families ko affordable housing provide karti hai. …
PM Jan Dhan Yojana
Government Schemes
Jan Dhan Yojana 2014 mein launch hua financial inclusion program hai. Zero-balance savings account, …
PM Kisan Samman Nidhi
Government Schemes
PM-KISAN har land-holding farmer family ko ₹6,000 per year deta hai, 3 instalments mein ₹2,000 har 4…
Portfolio
Basics
Portfolio aapke saare financial investments ka collection hai — stocks, mutual funds, bonds, FDs, re…
Post Office Savings Schemes
Government Schemes
India Post 9 savings schemes offer karta hai — Savings Account, RD, TD, MIS, NSC, PPF, KVP, SSY, SCS…
Power of Compounding
Basics
Power of compounding ka matlab hai ki jab returns reinvest hote hain toh investments exponentially g…
PPF (Public Provident Fund)
Government Schemes
PPF ek government-backed long-term savings scheme hai jisme 15 saal ka lock-in hota hai. Tax-free re…
Professional Tax
Employment
Professional tax ek state-level tax hai jo employer salary se deduct karta hai. Maximum ₹2,500 per y…
Property Tax
Real Estate
Property tax wo annual tax hai jo property owners ko local municipal corporation ko dena padta hai. …
R
RBI (Reserve Bank of India)
Banking
RBI India ka central bank hai, 1935 mein establish hua. Monetary policy manage karta hai, repo rate …
RD (Recurring Deposit)
Banking
RD ek savings scheme hai jisme aap har mahine ek fixed amount deposit karte ho ek fixed period ke li…
RD vs FD
Banking
RD monthly saving ke liye acha hai (SIP jaisa), FD lump sum ke liye. Dono mein interest rate similar…
Real Return
Basics
Real return wo investment return hai jo inflation adjust karne ke baad milta hai. FD pe 7% return - …
Registration Charges
Real Estate
Registration charges wo government fees hain jo property purchase ko legally buyer ke naam register …
Regular Plan
Mutual Funds
Regular Plan mein aap distributor, broker ya agent ke through mutual fund khareedtey ho. AMC unko co…
Rent Agreement
Real Estate
Rent agreement landlord aur tenant ke beech ka legal contract hai jisme rent amount, tenure, deposit…
Rent Receipt
Tax
Rent receipt rent payment ka proof hai, HRA exemption claim karne ke liye chahiye. ₹1 lakh/year se u…
Repo Rate
Banking
Repo Rate wo interest rate hai jis pe RBI commercial banks ko short-term money deta hai government s…
RERA
Real Estate
RERA ek regulatory body hai jo Real Estate Act 2016 ke under banayi gayi hai homebuyers ko protect k…
Retirement Planning
Basics
Retirement planning mein future expenses estimate karna, inflation account karna, aur itna corpus ba…
Reverse Repo Rate
Banking
Reverse repo rate wo interest rate hai jis pe RBI commercial banks se paisa udhaar leta hai. Excess …
Risk Appetite
Basics
Risk appetite aapki wo willingness hai ki aap kitna risk le sakte ho higher returns ke liye. Age, in…
RTGS
Banking
RTGS high-value transactions (minimum ₹2 lakh) ke liye ek real-time fund transfer system hai. Decemb…
Rule of 72
Basics
Rule of 72 ek quick formula hai jo batata hai ki investment kitne saalon mein double hogi. Bas 72 ko…
RuPay Card
Banking
RuPay India ka apna card payment network hai jo NPCI ne launch kiya Visa aur Mastercard ke alternati…
Rupee Cost Averaging
Mutual Funds
Rupee cost averaging SIP ka fayda hai — jab price kam hoti hai to zyada units milti hain, jab zyada …
S
Salary Components (CTC Breakup)
Employment
India mein salary ka CTC breakup hota hai: Basic Salary (40-50%), HRA, Special Allowance, LTA, EPF, …
Savings Account
Banking
Savings account ek basic bank account hai jisme interest milta hai (2.7-7% bank ke hisaab se). ₹10,0…
SCSS (Senior Citizens Savings Scheme)
Government Schemes
SCSS sirf senior citizens (60+) ke liye government savings scheme hai. 8.2% interest rate (quarterly…
SEBI (Securities and Exchange Board of India)
Stock Market
SEBI India ka securities market regulator hai, 1992 mein establish hua. Stock exchanges, mutual fund…
Section 24(b)
Tax
Section 24(b) self-occupied property ke home loan interest pe ₹2 lakh per year tak deduction deta ha…
Section 54
Tax
Section 54 residential property sell karne pe LTCG tax se exemption deta hai agar profits ko doosri …
Section 80C
Tax
Section 80C Income Tax Act ka rule hai jisme aap taxable income se ₹1.5 lakh tak ki deduction le sak…
Section 80D
Tax
Section 80D health insurance premium aur preventive health checkup pe tax deduction deta hai. Self k…
Section 80EEA
Tax
Section 80EEA first-time home buyers ke liye home loan interest pe ₹1.5 lakh ki additional deduction…
Section 87A Rebate
Tax
Section 87A ek rebate hai jo specified income limit tak ke taxpayers ko milti hai. New Regime mein ₹…
Sensex (BSE Sensex)
Stock Market
Sensex Bombay Stock Exchange (BSE) ka benchmark index hai jisme BSE ki 30 sabse badi aur active comp…
SGB (Sovereign Gold Bond)
Gold
SGB government securities hain jo gold ke grams mein denominated hain, RBI dwara issue hoti hain. 2.…
SGB Taxation
Tax
SGB ka unique tax benefit: maturity pe redeem karo to LTCG 100% tax-free hai. 2.5% annual interest s…
Share (Stock)
Stock Market
Share company mein ownership ki ek unit hai. Stock exchanges (NSE, BSE) pe trade hote hain market ho…
Simple Interest
Basics
Simple interest sirf original principal amount pe calculate hota hai, compounding nahi hota. Formula…
SIP (Systematic Investment Plan)
Mutual Funds
SIP ek tarika hai jisme aap har mahine ya quarter mein ek fixed amount mutual fund mein invest karte…
SLR (Statutory Liquidity Ratio)
Banking
SLR wo minimum percentage hai jo banks ko deposits ka liquid assets (govt securities, cash, gold) me…
Small Cap
Stock Market
Small cap companies 251st aur neeche rank pe hain market cap mein (₹5,000 crore se kam). Sabse zyada…
Sovereign Guarantee
Basics
Sovereign guarantee matlab investment Government of India backed hai — virtually risk-free. PPF, SSY…
SSY (Sukanya Samriddhi Yojana)
Government Schemes
SSY Beti Bachao Beti Padhao campaign ka part hai, girls ke liye government savings scheme. 10 saal s…
SSY Rules
Government Schemes
SSY sirf 10 saal se chhoti ladkiyon ke liye hai, max 2 accounts. ₹250-1.5 lakh/year deposit, 15 saal…
Stamp Duty
Real Estate
Stamp Duty wo state-level tax hai jo property buy ya transfer karte waqt register karne ke liye dena…
Standard Deduction
Tax
Standard deduction salary/pension income se ek flat deduction hai. New Regime mein ₹75,000 aur Old R…
Standing Instruction (Auto-Debit)
Banking
Standing instruction bank ko ek mandate hai ki har month fixed amount automatically specified accoun…
STCG (Short Term Capital Gains)
Tax
STCG tab lagta hai jab aap minimum holding period se pehle asset bech dete ho. Listed equity pe 20% …
Step-Up SIP
Mutual Funds
Step-Up SIP automatically aapki SIP amount har saal ek fixed percentage se badhata hai. Income badhn…
Stock Split
Stock Market
Stock split mein company apne existing shares ko multiple shares mein divide kar deti hai. Total val…
Stop Loss Order
Stock Market
Stop loss ek order hai jo broker ke paas place karte ho — jab stock ek specified price pe pahunchta …
STP (Systematic Transfer Plan)
Mutual Funds
STP mein ek mutual fund scheme se doosri scheme mein regularly fixed amount transfer hota hai same A…
STT (Securities Transaction Tax)
Tax
STT wo tax hai jo Indian stock exchanges pe listed securities ki har buy aur sell pe lagta hai. Deli…
Sum Assured
Insurance
Sum assured wo guaranteed amount hai jo insurance company nominee ko pay karti hai jab insured event…
Surcharge
Tax
Surcharge high-income earners ke liye income tax pe additional tax hai. ₹50L-1Cr pe 10%, ₹1-2Cr pe 1…
SWP (Systematic Withdrawal Plan)
Mutual Funds
SWP mein aap mutual fund investment se har mahine fixed amount withdraw karte ho. Retirement ke liye…
T
Tax Loss Harvesting
Tax
Tax loss harvesting ek strategy hai jisme investments ko loss pe sell karke capital gains tax liabil…
TCS (Tax Collected at Source)
Tax
TCS seller dwara buyer se specified goods ki sale ke time collect kiya jaane wala tax hai. Foreign r…
TDS (Tax Deducted at Source)
Tax
TDS ek system hai jisme income ke source pe hi tax kat jaata hai. Salary, interest, rent, profession…
Term Insurance
Insurance
Term insurance ek pure life insurance hai jo specific period ke liye coverage deta hai. Sabse sasta …
Trading Account
Stock Market
Trading account stock exchanges pe securities buy aur sell karne ke liye chahiye. Ye bank account au…
Types of Fixed Deposits
Banking
FD kayi types ki hoti hain: Regular FD, Tax-Saving FD (5-year lock-in, 80C deduction), Senior Citize…
Types of Mutual Funds
Mutual Funds
SEBI mutual funds ko 5 categories mein classify karta hai: Equity, Debt, Hybrid, Solution-oriented, …
U
UAN (Universal Account Number)
Employment
UAN EPFO dwara EPF member ko diya jaane wala 12-digit unique number hai. Job change karne pe bhi sam…
Union Budget
Economy
Union Budget Finance Minister dwara har saal 1 February ko Parliament mein present hota hai. Tax pro…
UPI (Unified Payments Interface)
Banking
UPI NPCI dwara develop kiya gaya real-time payment system hai. Mobile apps se bank accounts ke beech…
W
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