In today’s interconnected world, understanding financial terminology in different languages can be incredibly beneficial. Whether you’re traveling to India, conducting business with Marathi-speaking clients, or simply expanding your linguistic skills, learning banking and finance vocabulary in Marathi can be very valuable. Marathi, an Indo-Aryan language spoken predominantly in the Indian state of Maharashtra, has a rich lexicon that includes specific terms for various financial and banking concepts. This article will guide you through some essential Marathi vocabulary in the realm of banking and finance, making it easier for you to navigate financial discussions and transactions.
Basic Banking Terminology
Let’s start with some basic banking terms that you might encounter in daily conversations or transactions.
1. **Bank** – बँक (Banka)
2. **Account** – खाते (Khate)
3. **Savings Account** – बचत खाते (Bachat Khate)
4. **Current Account** – चालू खाते (Chalu Khate)
5. **Fixed Deposit** – मुदत ठेव (Mudit Thev)
6. **Loan** – कर्ज (Karz)
7. **Interest** – व्याज (Vyaj)
8. **Balance** – शिल्लक (Shillak)
9. **Deposit** – ठेव (Thev)
10. **Withdrawal** – पैसे काढणे (Paise Kadhaṇe)
Understanding Account Types
In banking, understanding different types of accounts is crucial. Here’s how you can talk about various accounts in Marathi:
– **Savings Account**: बचत खाते (Bachat Khate) is an account where you save money and earn interest on your deposits.
– **Current Account**: चालू खाते (Chalu Khate) is used for daily transactions by businesses and individuals.
– **Fixed Deposit**: मुदत ठेव (Mudit Thev) is a type of investment where you deposit money for a fixed period and earn higher interest rates.
Transactions and Services
Banking involves various transactions and services. Here are some useful terms:
1. **Cheque** – धनादेश (Dhanadesh)
2. **Cheque Book** – धनादेश पुस्तिका (Dhanadesh Pustika)
3. **Passbook** – पासबुक (Pasabook)
4. **ATM** – एटीएम (ETM)
5. **Credit Card** – क्रेडिट कार्ड (Credit Card)
6. **Debit Card** – डेबिट कार्ड (Debit Card)
7. **Online Banking** – ऑनलाईन बँकिंग (Online Banking)
8. **Mobile Banking** – मोबाइल बँकिंग (Mobile Banking)
9. **NEFT** – एनईएफटी (NEFT)
10. **RTGS** – आरटीजीएस (RTGS)
Performing Transactions
When performing transactions, you might need to use the following phrases:
– **Deposit Money**: पैसे ठेवणे (Paise Thevne)
– **Withdraw Money**: पैसे काढणे (Paise Kadhaṇe)
– **Transfer Money**: पैसे हस्तांतरित करणे (Paise Hastantarit Karne)
For example:
– “I want to deposit money into my account.” – मला माझ्या खात्यात पैसे ठेवायचे आहेत. (Mala Majhya Khatyat Paise Thevayache Ahet)
– “I need to withdraw some cash.” – मला काही रक्कम काढायची आहे. (Mala Kahi Rakkam Kadhaichi Ahe)
– “Can I transfer money online?” – मी ऑनलाइन पैसे हस्तांतरित करू शकतो का? (Mi Online Paise Hastantarit Karu Shakto Ka?)
Financial Terms
Understanding financial terminology can help you make better decisions. Here are some key terms:
1. **Investment** – गुंतवणूक (Guntavanuk)
2. **Stock Market** – शेअर बाजार (Shear Bazar)
3. **Shares** – शेअर्स (Shears)
4. **Bonds** – बाँड्स (Bonds)
5. **Mutual Funds** – म्युच्युअल फंड्स (Mutual Funds)
6. **Portfolio** – पोर्टफोलिओ (Portfolio)
7. **Profit** – नफा (Nafa)
8. **Loss** – तोटा (Tota)
9. **Revenue** – महसूल (Mahasul)
10. **Expense** – खर्च (Kharch)
Investing Wisely
Investing involves understanding where to put your money. Here are some useful phrases:
– **Invest in stocks**: शेअर्समध्ये गुंतवणूक करणे (Shearsmadhe Guntavanuk Karane)
– **Buy mutual funds**: म्युच्युअल फंड्स विकत घेणे (Mutual Funds Vikat Ghene)
– **Check the portfolio**: पोर्टफोलिओ तपासणे (Portfolio Tapasane)
For example:
– “I want to invest in stocks.” – मला शेअर्समध्ये गुंतवणूक करायची आहे. (Mala Shearsmadhe Guntavanuk Karayachi Ahe)
– “Can you help me buy mutual funds?” – तुम्ही मला म्युच्युअल फंड्स विकत घ्यायला मदत करू शकता का? (Tumhi Mala Mutual Funds Vikat Ghyayala Madat Karu Shakta Ka?)
– “I need to check my portfolio.” – मला माझे पोर्टफोलिओ तपासायचे आहे. (Mala Majhe Portfolio Tapasayache Ahe)
Loan and Credit
Taking a loan or using credit involves understanding specific terms. Here are some important ones:
1. **Home Loan** – गृहकर्ज (Grihakaz)
2. **Personal Loan** – वैयक्तिक कर्ज (Vaiyaktik Karz)
3. **Car Loan** – कार कर्ज (Kar Karz)
4. **Credit Score** – क्रेडिट स्कोर (Credit Score)
5. **EMI (Equated Monthly Installment)** – मासिक हप्ता (Masik Hapta)
6. **Mortgage** – तारण (Taran)
7. **Collateral** – गहाण (Gahān)
8. **Interest Rate** – व्याजदर (Vyajadar)
9. **Principal Amount** – मूळ रक्कम (Mool Rakkam)
10. **Repayment** – परतफेड (Paratfed)
Managing Loans
Managing loans effectively involves knowing how to discuss them:
– **Apply for a loan**: कर्जासाठी अर्ज करणे (Karzāsāṭhī Arj Karane)
– **Pay EMI**: मासिक हप्ता भरणे (Masik Hapta Bharane)
– **Check credit score**: क्रेडिट स्कोर तपासणे (Credit Score Tapasane)
For example:
– “I want to apply for a home loan.” – मला गृहकर्जासाठी अर्ज करायचा आहे. (Mala Grihakazāsāṭhī Arj Karayacha Ahe)
– “I need to pay my EMI.” – मला माझा मासिक हप्ता भरायचा आहे. (Mala Majha Masik Hapta Bharayacha Ahe)
– “Can you check my credit score?” – तुम्ही माझा क्रेडिट स्कोर तपासू शकता का? (Tumhi Majha Credit Score Tapasu Shakta Ka?)
Insurance and Safety
Insurance is crucial for financial security. Here are some relevant terms:
1. **Insurance** – विमा (Vima)
2. **Health Insurance** – आरोग्य विमा (Arogya Vima)
3. **Life Insurance** – जीवन विमा (Jeevan Vima)
4. **Premium** – हप्ता (Hapta)
5. **Policy** – पॉलिसी (Policy)
6. **Claim** – दाव (Dav)
7. **Coverage** – कव्हरेज (Coverage)
8. **Beneficiary** – लाभार्थी (Labharṭhī)
9. **Risk** – धोका (Dhoka)
10. **Safety** – सुरक्षितता (Surakshitata)
Securing Your Finances
Understanding how to secure your finances is vital:
– **Buy insurance**: विमा खरेदी करणे (Vima Kharedi Karane)
– **Pay premium**: हप्ता भरणे (Hapta Bharane)
– **File a claim**: दाव करणे (Dav Karane)
For example:
– “I need health insurance.” – मला आरोग्य विमा हवा आहे. (Mala Arogya Vima Hava Ahe)
– “I have to pay my insurance premium.” – मला माझा विम्याचा हप्ता भरायचा आहे. (Mala Majha Vimyacha Hapta Bharayacha Ahe)
– “How do I file an insurance claim?” – मी विम्याचा दाव कसा करू? (Mi Vimyacha Dav Kasa Karu?)
Business Finance
For those involved in business, understanding financial terms in Marathi can be highly beneficial:
1. **Business** – व्यवसाय (Vyavasay)
2. **Revenue** – महसूल (Mahasul)
3. **Profit** – नफा (Nafa)
4. **Loss** – तोटा (Tota)
5. **Investment** – गुंतवणूक (Guntavanuk)
6. **Capital** – भांडवल (Bhandaval)
7. **Assets** – मालमत्ता (Malamatta)
8. **Liabilities** – देणी (Deni)
9. **Equity** – इक्विटी (Equity)
10. **Budget** – अंदाजपत्रक (Andajpatrak)
Managing Business Finances
Managing business finances involves various activities:
– **Calculate revenue**: महसूल मोजणे (Mahasul Mojane)
– **Determine profit and loss**: नफा आणि तोटा ठरवणे (Nafa Aani Tota Tharavane)
– **Manage assets and liabilities**: मालमत्ता आणि देणी व्यवस्थापित करणे (Malamatta Aani Deni Vyavasthapit Karane)
For example:
– “We need to calculate the revenue.” – आपल्याला महसूल मोजायचा आहे. (Aplyala Mahasul Mojayacha Ahe)
– “What is our profit this quarter?” – या तिमाहीत आपला नफा किती आहे? (Ya Timahit Apla Nafa Kiti Ahe)
– “How do we manage our assets and liabilities?” – आपण आपली मालमत्ता आणि देणी कशी व्यवस्थापित करू? (Apan Apli Malamatta Aani Deni Kashi Vyavasthapit Karu?)
Conclusion
Learning banking and finance vocabulary in Marathi can open up new opportunities and make financial interactions smoother for you. Whether you’re dealing with a bank, making investments, or managing a business, having a grasp of these terms will enhance your confidence and competence. Remember, language is a bridge that connects people, and mastering financial terms in Marathi is a significant step towards effective communication in the financial world. Keep practicing, and soon you’ll find yourself more comfortable navigating financial discussions in Marathi.
