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Indian Banking product: Foreign Exchange


8. FOREIGN EXCHANGE (विदेशी मुद्रा




 लेन-देन)

Definition:

Jab kisi desh ki mudra (currency) ko kisi doosre desh ki mudra me exchange kiya jata hai, to ise Foreign Exchange (Forex) ya विदेशी मुद्रा विनिमय kehte hain.

Foreign Exchange ke Pramukh Components (मुख्य घटक)

  1. Foreign Currency Exchange (मुद्रा विनिमय) – ₹ (Rupee) ko USD ($), Euro (€), Pound (£) jaise foreign currencies me convert karna.

  2. Forex Trading (फॉरेक्स ट्रेडिंग) – Mudraon ki buying aur selling karke munafa kamaana.

  3. Remittance (विप्रेषण सेवा) – Bharat me paisa bhejna ya videsh se paisa mangwana. (Western Union, SWIFT, Wire Transfer)

  4. Export & Import Payments (निर्यात एवं आयात भुगतान) – Jab Indian companies goods ya services export-import karti hain, to payment foreign exchange me hoti hai.

  5. Travel Forex Card (यात्रा फॉरेक्स कार्ड) – Foreign travel ke liye prepaid forex card jisme foreign currency load hoti hai.

  6. Nostro & Vostro Accounts – Bank jo foreign banks ke saath accounts maintain karta hai taaki transactions smoothly ho sake.

Foreign Exchange ka Mahatva (Importance)





✔ Desh ki economy aur trade sudhar ti hai – Import-export badhne se Bharat ko foreign currency milti hai.
✔ Tourism aur Education ke liye zaroori – Students aur travelers foreign exchange ka use karte hain.
✔ International Business transactions easy hoti hain – Foreign trade me USD, Euro, Pound use kiya jata hai.

Example: Real-Life Forex Case

Ramesh USA ghoomne gaya aur usne ₹50,000 ko $600 me exchange karwaya taaki waha shopping kar sake.

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