Skip to main content

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.


Comments

Post a Comment

Popular posts from this blog

Nomination in Bank – Agar Kal Hum Na Rahe Toh Paise Ka Kya?

 Nomination in Bank – Agar Kal Hum Na Rahe Toh Paise Ka Kya? (Bank Account Nominee Ka Simple Aur Dil Chhoo Lena Wala Gyaan) 🤔 Intro: Achanak kuch ho gaya, aur paise par jhagda? Har koi bank mein paisa jama karta hai – salary, saving, FD, pension sab. Lekin sochiye agar kal aap na rahe, toh aapke paise ka kya? Kya family ko bina pareshani ke milega? Jawab hai – "Haan", agar aapne Nomination kara rakha hai. Varna… court ke chakkar, bank ka delay, aur parivaar mein tanav! ❓ Nomination Kya Hota Hai? https://amzn.to/3T4fcgo Nomination ka matlab hai: "Aap bank ko pehle se batate ho ki agar aapki death ho jaye, toh paisa kis family member ko diya jaye." Yeh legal declaration hota hai, jo account kholte waqt ya baad mein bhar sakte ho. ✅ Kaun-kaun se account mein nomination ho sakta hai? Saving Account Current Account Fixed Deposit Recurring Deposit PPF Account Lockers 👪 Kaun ban sakta hai nominee? Wife / Husband Son / Daughter Parents Even friend ya trusted person (Lekin...
Post a Comment
Read more

Sarkari Bank Bharti 2025: Clerk aur PO Posts ke Liye Apply Karein — Full Guide"

  Sarkari Bank Bharti 2025: Clerk aur PO Posts ke Liye Apply Karein — Full Guide" Introduction:- 2025 mein kai bade Sarkari Banks jaise SBI, PNB, Bank of Baroda ne nayi bhartiyan announce kari hain. Agar aap banking career chahte hain to ye moka haath se mat jane dein. Main Points: Total Vacancies: 15,000+ Posts: Clerk, PO, Specialist Officers Eligibility: Graduation minimum 60% (General Category) Age Limit: 20-30 years Exam Pattern: Prelims + Mains + Interview Important Dates: Application Start: 5 May 2025 Last Date: 25 May 2025 Prelims Exam: June 2025 Mains Exam: July 2025 Application Process: Official website par jaakar registration karen. Photograph, Signature aur Educational Documents upload karen. Exam fees online payment karen. Conclusion: Bank jobs ke liye competition tough hai, lekin taiyari smart tarike se karein to success guarantee hai. 👉 Bankosphare ki free Banking Career Guide Daily read kre and educate rahe 
Post a Comment
Read more

BREAKING: 50,000 Bank Bharti 2025 | Apply Karein Aaj Se! Full Detail Bankosphare Exclusive

  BREAKING: 50,000 Bank Bharti 2025 | Apply Karein Aaj Se! Full Detail Bankosphare Exclusive  Introduction :- 2025 ka sabse bada mauka aapke liye aa gaya hai! SBI, PNB, Canara Bank, Bank of Baroda, aur 10+ banks milkar 50,000 se zyada vacancies announce kar rahe hain. Graduate pass hone par seedha apply Minimum age 20 saal Private + Government dono sector mein job chance 👉 Last date jaldi hai! 👉 Apply ka process aasan hai! Bankosphare aapko exclusive, full step-by-step details de raha hai! Recruitment Ka Timelin Particular Detail Notification Release 27 April 2025 Online Form Start 28 April 2025 Last Date Apply Karne Ki 15 May 2025 Exam Date June 2025 Expected Major Banks Jo Vacancy Dene Wale Hain: State Bank of India (SBI) Punjab National Bank (PNB) Bank of Baroda (BOB) Canara Bank Union Bank of India Bank of India Indian Bank Central Bank of India Indian Overseas Bank Eligibility Criteria Educational Qualification: Graduation kis...
Post a Comment
Read more