Money and Credit for CBSE Class 10

What is money? पैसा क्या है?
Answer: Medium of exchange

What is a barter system? वस्तु-विनिमय प्रणाली क्या है?
Answer: Exchange of goods without money

Why was the barter system difficult? वस्तु-विनिमय प्रणाली कठिन क्यों थी?
Answer: Lack of double coincidence of wants

What is double coincidence of wants? द्वैध इच्छाओं की संगति क्या है?
Answer: Both parties need what the other offers

What are modern forms of money? आधुनिक धन के रूप क्या हैं?
Answer: Currency notes and coins

What is a demand deposit? माँग जमा क्या है?
Answer: Deposit withdrawable anytime

What is a cheque? चेक क्या होता है?
Answer: Written order directing bank to pay

Why are demand deposits considered money? माँग जमा को धन क्यों माना जाता है?
Answer: Easily used for payments

What is credit? ऋण क्या है?
Answer: Borrowing of funds with promise to repay

Money and Credit for CBSE Class 10

What is interest? ब्याज क्या है?
Answer: Cost of borrowing money

What is collateral? संपार्श्विक क्या है?
Answer: Asset pledged to secure loan

What is a loan? ऋण क्या होता है?
Answer: Money borrowed from a lender

Who are lenders? ऋणदाता कौन होते हैं?
Answer: Those who give loans

Who are borrowers? ऋण लेने वाले को क्या कहते हैं?
Answer: People who take loans

What is a credit transaction? ऋण लेन-देन क्या है?
Answer: Borrowing and repaying process

What is formal credit? औपचारिक ऋण क्या है?
Answer: Loans from banks and cooperatives

What is informal credit? अनौपचारिक ऋण क्या है?
Answer: Loans from moneylenders, traders, etc.

Why is formal credit cheaper? औपचारिक ऋण सस्ता क्यों होता है?
Answer: Lower interest rates

Why is informal credit risky? अनौपचारिक ऋण जोखिमभरा क्यों है?
Answer: High interest and no regulation

What is the main role of banks? बैंकों की मुख्य भूमिका क्या है?
Answer: Accept deposits and provide loans

What are the two types of deposits? जमा के दो प्रकार कौन-से हैं?
Answer: Demand and fixed deposits

What is a fixed deposit? सावधि जमा क्या है?
Answer: Deposit for fixed time earning interest

What is money supply? मुद्रा आपूर्ति क्या है?
Answer: Total money available in economy

Why do people save money in banks? लोग बैंक में पैसा क्यों बचाते हैं?
Answer: Safety and earning interest

What is net interest margin? शुद्ध ब्याज मार्जिन क्या है?
Answer: Difference between lending and deposit rates

What are self-help groups (SHGs)? स्वयं सहायता समूह क्या होते हैं?
Answer: Small groups pooling savings for credit

How many members are in an SHG? एक SHG में कितने सदस्य होते हैं?
Answer: 10–20 members

What is the purpose of SHGs? SHG का उद्देश्य क्या है?
Answer: Provide credit to poor, especially women

Why is collateral required? संपार्श्विक क्यों आवश्यक है?
Answer: To ensure loan repayment

What is creditworthiness? ऋण क्षमता क्या है?
Answer: Ability to repay loan

What is a credit cycle? ऋण चक्र क्या है?
Answer: Sequence of borrowing and repayment

What is informal sector? अनौपचारिक क्षेत्र क्या है?
Answer: Unregulated sector

What is formal sector? औपचारिक क्षेत्र क्या है?
Answer: Regulated financial institutions

What is the role of RBI? RBI की क्या भूमिका है?
Answer: Regulates banks and money supply

What is overdraft? ओवरड्राफ्ट क्या होता है?
Answer: Facility to withdraw more than balance

What is credit limit? ऋण सीमा क्या है?
Answer: Maximum loan allowed

Money and Credit for CBSE Class 10

What is an EMI? EMI क्या है?
Answer: Equal Monthly Installments

What is microfinance? सूक्ष्म वित्तीय सेवा क्या है?
Answer: Small loans to low-income people

Why do banks ask for documents? बैंक दस्तावेज़ क्यों मांगते हैं?
Answer: To verify borrower identity

Why do borrowers prefer informal lenders? उधारकर्ता अनौपचारिक ऋणदाताओं को क्यों चुनते हैं?
Answer: Easy and quick loans

What is a cooperative bank? सहकारी बैंक क्या है?
Answer: Bank owned by group of members

Why do banks maintain cash reserves? बैंक नकद भंडार क्यों रखते हैं?
Answer: To meet withdrawal demands

What is cash reserve ratio (CRR)? CRR क्या है?
Answer: Percentage of deposits kept as cash with RBI

What is statutory liquidity ratio (SLR)? SLR क्या है?
Answer: Percentage of deposits kept in liquid assets

What is a credit term? ऋण शर्तें क्या होती हैं?
Answer: Conditions of borrowing

What is default in credit? ऋण में डिफॉल्ट क्या है?
Answer: Failure to repay loan

What is credit crunch? ऋण संकट क्या है?
Answer: Shortage of available credit

Why is credit important in development? विकास में ऋण क्यों महत्वपूर्ण है?
Answer: Helps expand income and business

What is a moneylender? साहूकार कौन होता है?
Answer: Informal lender

Why do moneylenders charge high interest? साहूकार उच्च ब्याज क्यों लेते हैं?
Answer: No regulation and high risk

What is social exclusion? सामाजिक बहिष्करण क्या है?
Answer: Exclusion from financial system

Why do banks not lend to poor easily? बैंक गरीबों को आसानी से ऋण क्यों नहीं देते?
Answer: Lack of collateral

What is financial literacy? वित्तीय साक्षरता क्या है?
Answer: Knowledge of banking and money

What is a loan document? ऋण दस्तावेज़ क्या होते हैं?
Answer: Written agreement of loan terms

What is productive loan? उत्पादक ऋण क्या होता है?
Answer: Loan used for income generation

What is unproductive loan? गैर-उत्पादक ऋण क्या होता है?
Answer: Loan used for consumption

Why is productive credit good? उत्पादक ऋण अच्छा क्यों है?
Answer: Helps repay loan easily

Why is unproductive credit risky? गैर-उत्पादक ऋण जोखिमपूर्ण क्यों है?
Answer: No income generated to repay

What is inflation? मुद्रास्फीति क्या है?
Answer: Rise in general price level

How does inflation affect loans? ऋणों पर मुद्रास्फीति का क्या प्रभाव होता है?
Answer: Increases interest burden

What is bank loan? बैंक ऋण क्या है?
Answer: Loan provided by bank

What is credit cooperative society? क्रेडिट सहकारी समिति क्या है?
Answer: Group lending through shared resources

Money and Credit for CBSE Class 10

What is borrowing capacity? उधार क्षमता क्या है?
Answer: Maximum amount one can borrow

Why do banks give loans? बैंक ऋण क्यों देते हैं?
Answer: Earn profit from interest

What is transparency in credit? ऋण में पारदर्शिता क्या है?
Answer: Clear and legal terms

What are loan sharks? लोन शार्क कौन होते हैं?
Answer: Extremely high-interest informal lenders

What is KYC? KYC क्या होता है?
Answer: Know Your Customer verification

What is a savings account? बचत खाता क्या है?
Answer: Account allowing deposit and withdrawal

What is a current account? चालू खाता क्या है?
Answer: Account used mainly for business

What is ATM? एटीएम क्या है?
Answer: Automated Teller Machine

What is digital payment? डिजिटल भुगतान क्या है?
Answer: Payments through electronic means

Why is digital payment increasing? डिजिटल भुगतान क्यों बढ़ रहा है?
Answer: Fast, safe and convenient

What is UPI? UPI क्या है?
Answer: Unified Payments Interface

Which country launched UPI? UPI किस देश ने शुरू किया?
Answer: India

What is a debit card? डेबिट कार्ड क्या है?
Answer: Card used to withdraw own money

What is a credit card? क्रेडिट कार्ड क्या है?
Answer: Card used to borrow money for payment

What is loan tenure? ऋण अवधि क्या होती है?
Answer: Time given to repay loan

What is processing fee? प्रोसेसिंग फीस क्या होती है?
Answer: Fee charged for loan application

What is loan waiver? ऋण माफी क्या होती है?
Answer: Government cancels loan repayment

Why are farmers often in debt? किसान अक्सर कर्ज़ में क्यों रहते हैं?
Answer: Crop failure and high expenses

What is credit creation? ऋण सृजन क्या है?
Answer: Banks creating credit through deposits

What is shadow banking? शैडो बैंकिंग क्या है?
Answer: Unregulated financial activities

What are financial institutions? वित्तीय संस्थान क्या हैं?
Answer: Banks, cooperatives, NBFCs

What is NBFC? NBFC क्या है?
Answer: Non-Banking Financial Company

Why do banks give priority sector loans? बैंक प्राथमिक क्षेत्र को ऋण क्यों देते हैं?
Answer: For equality and development

What is liquidity? तरलता क्या होती है?
Answer: Ability to convert assets into cash

Money and Credit for CBSE Class 10

What is a money market? मुद्रा बाजार क्या होता है?
Answer: Market for short-term funds

What is a credit score? क्रेडिट स्कोर क्या है?
Answer: Numeric score of creditworthiness

What is bankruptcy? दिवालियापन क्या है?
Answer: Legal inability to repay debts

Why is money better than barter? धन वस्तु-विनिमय से बेहतर क्यों है?
Answer: More convenient and efficient

What is a gold standard? स्वर्ण मानक क्या होता है?
Answer: Currency backed by gold

What is fiat money? फिएट मनी क्या है?
Answer: Currency backed by government guarantee

What is a loan agreement? ऋण समझौता क्या होता है?
Answer: Legal document of terms

Why is repayment important? ऋण चुकाना क्यों ज़रूरी है?
Answer: Builds trust and credit history

What is social collateral? सामाजिक संपार्श्विक क्या है?
Answer: Group guarantee in SHGs

Why do women benefit more from SHGs? महिलाएँ SHGs से अधिक लाभ क्यों पाती हैं?
Answer: Easy loans and empowerment

What is mobile banking? मोबाइल बैंकिंग क्या है?
Answer: Banking through mobile phones

Why does formal credit increase development? औपचारिक ऋण विकास क्यों बढ़ाता है?
Answer: Supports investment and growth

Which sector faces highest loan shortage? किस क्षेत्र में ऋण की कमी सबसे अधिक होती है?
Answer: Rural and agricultural sector

What is the overall role of money and credit? धन और ऋण की कुल भूमिका क्या है?
Answer: Supports economic activity and development

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