Personal Loan aur Personal Finance dono alag-alag financial concepts hain, aur inmein kuch pramukh antar hain. Personal Loan aur Personal Finance mein kya antar hai (पर्सनल लोन और पर्सनल फाइनेंस में क्या अंतर है?) in dono ko samajhna aapko apne vittiya lakshyon ko sahi dhang se plan karne mein madad karega. Aaiye inke baare mein vistaar se jaante hain:
पर्सनल लोन का मतलब क्या होता है?
Personal Loan ka
matlab hai vo rin (loan) jo ek vyakti ko kisi
vyaktigat zaroorat ke liye bank ya vittiya sansthan se bina kisi sampatti
(collateral) ke diya jaata hai.
Isse asurakshit loan
(unsecured loan) bhi kaha jaata hai, kyunki ismein kisi prakar ki sampatti
(jaise ghar ya vaahan) ko girvi nahi rakha jaata.
Personal Loan ka
upyog kisi bhi vyaktigat kharch jaise shiksha, chikitsa, shaadi, yatra, ya ghar
ki marammat aadi ke liye kiya ja sakta hai. Isse chukane ke liye ek nishchit
samay seema aur byaj dar hoti hai.
Example ke madhyam se
samajhte hain:
Maan lijiye, ek yuvti
hai jo apni shaadi ke liye Rs.2,00,000/ ki zaroorat mehsoos karti hai. Uske paas itna
paisa nahi hai, lekin usse shaadi ki taiyari ke liye jaldi paison ki avashyakta
hai.
Ab, woh bank se
personal loan le sakti hai. Bank use Rs. 2,00,000/ ka loan 12% annual byaj dar par 2 saal ke liye deta hai.
Bank ne yah loan bina kisi sampatti ko girvi rakhe jaari kiya hai, yani yah ek
asurakshit loan hai.
Usko har mahine loan
ki kisht chukani hogi, jisme kuch hissa loan ki mool rashi (principal) aur kuch
hissa byaj (interest) ka hoga. Udaharan ke liye, agar Aakansha ne Rs. 2,00,000/-
ka loan liya hai, to use 2 saal mein yah loan poori tarah se chukana hoga,
jisme pratyek mahine ek nishchit rashi jama karni hogi.
Personal Loan ke
pramukh visheshatein:
- Bina sampatti ke loan: Ismein koi
sampatti girvi nahi rakhi jaati.
- Lakshya-nirdisht nahi: Personal
Loan ka upyog kisi bhi vyaktigat zaroorat ke liye kiya ja sakta hai.
- Byaj dar: Ismein ek nishchit byaj
dar hoti hai jo loan ki rashi aur avadhi par nirbhar karti hai.
- Kishton mein bhugtan: Loan ko
maasik kishton mein chukana hota hai.
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पर्सनल फाइनेंस का मतलब क्या होता है? व्यक्तिगत वित्त क्या होता है ?
Personal Finance ka
matlab hai apne financial resources ko sahi
tarike se prabandhit karna. Ismein aapka budget banana, kharchon par niyantran
rakhna, bachat karna, nivesh karna, aur bhavishya ke liye ek majboot vittiya
yojana tayar karna shamil hai.
Personal Finance ka
uddeshya yeh hota hai ki aap apni income ka sabse achha upyog karein, taaki aap
apni zarooraton ko poora kar sakein aur saath hi bhavishya mein aarthik sankat
se bach sakein.
Example ke madhyam se
samajhte hain:
Maan lijiye, Mr Gupta
ek IT peshewar hai jo har mahine Rs.50,000/- kamata hai. Use apne vyaktigat
kharchon aur bhavishya ki vittiya yojnaon ko sahi se prabandhit karne ki
zaroorat hai.
Mr Gupta personal
finance ke siddhanton ka paalan kar raha hai, taaki uski vittiya sthiti majboot
bane aur vo apne lakshyon ko haasil kar sake.
- Budget banana: Mr Gupta har mahine
apne kharchon ka budget banaata hai. Vo tay karta hai ki use Rs.50,000
mein se Rs.10,000/- kiraye ke liye,
Rs.5,000/- khane-peene par, Rs. 5,000/- bachat ke liye, aur Rs.10,000/- nivesh ke
liye nikaalne hain. Baaki Rs.20,000/- use anya kharchon jaise yatra,
manoranjan aadi ke liye rakhne hain.
- Bachat karna: Mr Gupta apne
aapaatkaaleen kharchon ke liye ek emergency fund bhi banaata hai. Maan
lijiye, usne Rs.5,000/- har mahine
bachat karne ka faisla kiya hai, taaki bhavishya mein kisi aaksamik sthiti
(jaise bimari ya naukri khona) mein use aarthik madad mil sake.
- Nivesh karna: Mr Gupta samajhta
hai ki sirf bachat karne se bhavishya surakshit nahi hoga, isliye vo apne
paise ko kuch nivesh yojnaon mein lagaata hai. Vo mutual funds, share
bazar ya real estate mein nivesh karta hai taaki uski dhan ki rashi badhe.
- Rin prabandhan: Mr Gupta ke paas
ek personal loan bhi hai, jise usne kuch samay pehle liya tha. Personal
finance ka ek hissa yeh bhi hai ki Vikram us loan ko samay par chukaye aur
zyada byaj na de.
Personal Finance ke
pramukh tatva:
- Budget banana: Aay aur kharchon ka
sahi santulan banana.
- Bachat aur nivesh: Bhavishya ke
liye paise bachana aur nivesh karna.
- Rin prabandhan: Loan ya karz ka
sahi tarike se bhugtan karna.
- Lakshya nirdharit karna: Chhote
aur bade vittiya lakshyon tayar karna (jaise ghar kharidna, bachon ki
shiksha, retirement ke liye bachat aadi).
Is prakar, Personal
Finance ka uddeshya aapki vittiya sthiti ko behtar banana, aapki aay ka sahi
upyog karna aur bhavishya mein vittiya svatantrata prapt karna hota hai. Yeh
aapko apni aarthik sthiti ko samajhne aur use sthir banaye rakhne mein madad
karta hai.
Personal Loan aur
Personal Finance dono hi vyaktigat vitt se jude huye hain, lekin inka uddeshya
aur upyog alag hota hai. Aaiye ise ek udaharan ke madhyam se samajhte hain:
- Personal Loan:
Personal Loan ek prakar ka rin (loan) hai jo kisi vyakti ko kisi vyaktigat
zaroorat ke liye bank ya vittiya sansthan se diya jaata hai. Yeh rin kisi
sampatti (collateral) ke bina milta hai, isliye isse asurakshit loan
(unsecured loan) kaha jaata hai. Personal Loan ka upyog kisi bhi vyaktigat
kharch jaise shiksha, shaadi, yatra, medical treatment, ya ghar ki
marammat ke liye kiya ja sakta hai. Isse chukane ke liye ek nishchit samay
hota hai aur byaj dar bhi hoti hai.
Example: Maan lijiye Mr.
Sarmah ko apni shaadi ke liye Rs. 3,00,000/-
ki zaroorat hai, lekin uske paas itne paise nahi hain. Vo bank se
personal loan leta hai. Bank use Rs.3,00,000/- ka loan 10% byaj dar par 2 saal
ke liye deta hai. Mr. Sarmah ko har
mahine ek nishchit rashi (mool rashi + byaj) chukani hogi, taaki vo loan 2 saal
mein chukta kar sake.
- Personal Finance:
Personal Finance ka matlab hai apne vyaktigat vitt (income, expenses,
savings, investments) ka sahi tarike se prabandhan karna. Ismein budget
banana, kharchon par niyantran rakhna, bachat aur nivesh karna, rin ka
sahi tarike se prabandhan karna, aur bhavishya ke liye vittiya yojana
tayar karna shamil hota hai. Personal Finance ka uddeshya yeh hota hai ki
aap apni aay ka sahi upyog karein, taaki aap apne vittiya lakshyon ko
haasil kar sakein aur bhavishya mein aarthik sankat se bach sakein.
Example: Mrs Gupta ek naukri pesha mahila hai jo har
mahine Rs. 40,000 kamati hai. Usne apni aay ka sahi upyog karne ke liye
Personal Finance ka paalan karna shuru kiya hai. Mrs Gupta ne ek budget banaya
hai, jisme: Rs.10,000/- kiraye ke liye, Rs 5,000/- khane-peene ke liye, Rs.
5,000/- bachat ke liye, Rs. 5,000/- nivesh ke liye, aur Rs.15,000/- anya
kharchon ke liye rakha hai.
Iske alawa, Mrs Gupta
ek emergency fund bhi banati hai, taaki kisi aaksamik paristhiti mein uske paas
paise ho.
Personal Loan aur
Personal Finance mein antar:
|
Personal Loan |
Personal Finance |
|
Personal Loan ek
rin hai jo kisi vyaktigat zaroorat ke liye liya jaata hai. |
Personal Finance
vittiya yojana aur prabandhan se sambandhit hai. |
|
Ismein aapko bank
ya vittiya sansthan se paise milte hain, jo aapko byaj sahit chukane hote
hain. |
Personal Finance mein
aapko apni aay aur kharchon ka sahi tarike se prabandhan karna hota hai. |
|
Yeh ek udhaari hoti
hai, jisme loan ki rashi ko chukana hota hai. |
Yeh ek svatantra
vittiya prabandhan hota hai, jisme bachat, nivesh, aur kharchon ka niyantran
kiya jaata hai. |
|
Personal Loan ka
uddeshya turant vittiya avashyakta ko poora karna hota hai. |
Personal Finance ka
uddeshya bhavishya mein sthir vittiya sthiti banana hota hai. |
Personal Loan aur Personal Finance mein kya antar hai in dono ka uddeshya
aapki vittiya sthiti ko behtar banana hai, lekin Personal Loan ek turant
samadhan hai jab aapko paise ki zaroorat hoti hai, jabki Personal Finance ek
deerghakaalik yojana hai, jisme aap bhavishya mein vittiya svatantrata prapt
kar sakte hain.
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