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 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 boo...

 1. DEPOSITS (जमा खाता) जब bhi koi vyakti ya business bank mein apna paisa rakhata hai, to ise Deposit (जमा खाता) kehte hain. Ye paisa savings ya investment ke roop mein hota hai. Deposit ke Prakaar (Types of Deposits) Deposits do prakar ke hote hain: (A) Demand Deposits (मांग जमा) Jisme paisa kabhi bhi nikala ja sakta hai. Bank ispar kam byaaj deta hai. Example: Saving Account (बचत खाता) - Jisme aap paisa save kar sakte hain aur thoda byaaj milta hai. Current Account (चालू खाता) - Business wale use karte hain, jisme zyada transactions hote hain lekin byaaj nahi milta. (B) Time Deposits (काल जमा) Isme paisa ek nishchit samay ke liye bank mein rakhna padta hai. Ispar zyada byaaj milta hai. Example: Fixed Deposit (FD) - Jisme ek fix samay ke liye paisa rakhna padta hai (jaise 1 saal, 5 saal). Recurring Deposit (RD) - Har mahine thoda-thoda jama karne wala plan. Deposit ka Mahatva (Importance of Deposits) Aapka paisa surakshit rehta hai - Ghar par rakhne se suraksha nahi hoti, bank me...