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Indian Banking product : Retail Lending

 2. RETAIL LENDING (खुदरा ऋण / लोन)

Definition:

Jab bank vyaktiyon (individuals) ya chhoti businesses ko loan deta hai, to ise Retail Lending kehte hain. Ye loan ghar, gaadi, padhai, ya business ke liye diya jata hai.










Retail Lending ke Prakaar (Types of Retail Loans)

Home Loan (गृह ऋण) – Ghar kharidne ya banwane ke liye.


Personal Loan (व्यक्तिगत ऋण) – Koi bhi personal zaroorat (shadi, vacation, emergency) ke liye.


Car Loan (वाहन ऋण) – Naya ya purana gaadi lene ke liye.


Education Loan (शिक्षा ऋण) – Higher studies ke liye.


Gold Loan (सोना ऋण) – Bank aapke gold ke badle loan deta hai.


Consumer Loan (उपभोक्ता ऋण) – TV, AC, Fridge jaise saman kharidne ke liye.


Retail Loan ka Mahatva (Importance of Retail Lending)

✔ Jeevan suvidhaayein badhti hain – Log apne sapne (ghar, car, education) pure kar sakte hain.

✔ Tijarat aur rojgar badhta hai – Business loans se naye business shuru hote hain, naye jobs bante hain.

✔ Economy grow karti hai – Log zyada paise kharch karte hain, jo market ko boost karta hai.


Example: Real-Life Retail Loan Case

Maniye Suresh ek software engineer hai. Usne ₹50 lakh ka home loan liya 20 saal ke liye. Har mahine bank ko EMI (Monthly Installment) ke roop mein ₹40,000 chuka raha hai. 20 saal baad ghar 

poori tarah uska hoga.


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