When learning a new language, expanding your vocabulary in various domains can be immensely useful. One such domain is personal finance, an area that touches everyone’s life. Whether you’re managing your own finances, understanding economic news, or discussing financial matters with others, knowing the right terminology is crucial. If you’re learning Marathi, the official language of Maharashtra in India, you’re in the right place. This article will guide you through essential Marathi vocabulary related to personal finance.
Basic Financial Terms
Let’s start with some basic financial terms that you will come across in everyday conversations and transactions.
– **Money** – पैसे (Paise)
– **Currency** – चलन (Chalan)
– **Bank** – बँक (Bank)
– **Account** – खाते (Khate)
– **Savings** – बचत (Bachat)
– **Investment** – गुंतवणूक (Guntavanuk)
– **Income** – उत्पन्न (Utapanna)
– **Expense** – खर्च (Kharch)
– **Budget** – अंदाजपत्रक (Andajpatrak)
Banking Vocabulary
Understanding banking terms is essential for managing your personal finances effectively. Here are some Marathi terms related to banking:
– **Deposit** – ठेवी (Thevi)
– **Withdrawal** – पैसे काढणे (Paise Kadne)
– **Interest Rate** – व्याजदर (Vyajdar)
– **Loan** – कर्ज (Karz)
– **Credit Card** – क्रेडिट कार्ड (Credit Card)
– **Debit Card** – डेबिट कार्ड (Debit Card)
– **Mortgage** – गहाणखत (Gahanakhat)
– **Branch** – शाखा (Shakha)
– **ATM** – एटीएम (ATM)
– **Cheque** – धनादेश (Dhanadesh)
Investment Vocabulary
Investing your money wisely can help you build wealth over time. Here are some important Marathi terms related to investment:
– **Stock Market** – शेअर बाजार (Shear Bazar)
– **Stocks** – शेअर्स (Shears)
– **Bonds** – रोखे (Rokhe)
– **Mutual Funds** – म्युच्युअल फंड (Mutual Fund)
– **Portfolio** – पोर्टफोलिओ (Portfolio)
– **Risk** – जोखीम (Jokhim)
– **Return** – परतावा (Paratava)
– **Dividend** – लाभांश (Labhash)
– **Capital** – भांडवल (Bhandaval)
– **Asset** – मालमत्ता (Malmata)
Income and Tax Vocabulary
Managing your income and understanding taxes is crucial for personal financial health. Here are some terms you should know:
– **Salary** – पगार (Pagar)
– **Bonus** – बोनस (Bonus)
– **Commission** – कमिशन (Commission)
– **Tax** – कर (Kar)
– **Income Tax** – उत्पन्न कर (Utapanna Kar)
– **Tax Return** – कर परतावा (Kar Paratava)
– **Deductions** – कपात (Kapat)
– **Exemption** – सूट (Soot)
– **Tax Bracket** – कर श्रेणी (Kar Shreni)
– **Gross Income** – एकूण उत्पन्न (Ekun Utapanna)
– **Net Income** – निव्वळ उत्पन्न (Niwal Utapanna)
Expense Vocabulary
Controlling and understanding your expenses is vital for a healthy financial life. Here are some Marathi terms related to expenses:
– **Rent** – भाडे (Bhade)
– **Utilities** – उपयुक्तता (Upayuktata)
– **Grocery** – किराणा (Kirana)
– **Bills** – बिले (Bile)
– **Insurance** – विमा (Vima)
– **Premium** – हप्ता (Hapta)
– **Maintenance** – देखभाल (Dekhbhaal)
– **Subscription** – सदस्यता (Sadasyata)
– **Education** – शिक्षण (Shikshan)
– **Healthcare** – आरोग्यसेवा (Aarogyaseva)
Financial Planning Vocabulary
Planning your finances involves setting goals and making strategies to achieve them. Here are some important Marathi terms:
– **Financial Planning** – आर्थिक नियोजन (Aarthik Niyojan)
– **Goal** – उद्दिष्ट (Uddishta)
– **Savings Plan** – बचत योजना (Bachat Yojana)
– **Retirement Plan** – निवृत्ती योजना (Nivrutti Yojana)
– **Emergency Fund** – आपत्कालीन निधी (Apatkalin Nidhi)
– **Debt Management** – कर्ज व्यवस्थापन (Karz Vyavasthapan)
– **Wealth Management** – संपत्ती व्यवस्थापन (Sampatti Vyavasthapan)
– **Estate Planning** – इस्टेट नियोजन (Estate Niyojan)
– **Financial Advisor** – आर्थिक सल्लागार (Aarthik Sallagar)
Advanced Financial Terms
For those who are delving deeper into the world of personal finance, here are some advanced terms:
– **Equity** – इक्विटी (Equity)
– **Liquidity** – तरलता (Tarlata)
– **Derivatives** – व्युत्पन्न (Vyutpanna)
– **Hedge Fund** – हेज फंड (Hedge Fund)
– **Leverage** – उत्तोलन (Uttolan)
– **Capital Gains** – भांडवली लाभ (Bhandavali Labh)
– **Inflation** – महागाई (Mahagai)
– **Deflation** – चलनफुगी (Chalanfugi)
– **Recession** – मंदी (Mandi)
– **Depression** – महामंदी (Mahamandi)
Practical Scenarios
Understanding vocabulary is one thing, but applying it in real-life scenarios is another. Here are some practical sentences to help you use these terms:
– I need to open a bank account.
– मला बँक खाते उघडायचे आहे. (Mala Bank Khate Ughadayache Aahe.)
– How much interest does this loan have?
– या कर्जावर किती व्याज आहे? (Ya Karzavar Kiti Vyaj Aahe?)
– I want to invest in mutual funds.
– मला म्युच्युअल फंडमध्ये गुंतवणूक करायची आहे. (Mala Mutual Fundmadhe Guntavanuk Karaychi Aahe.)
– What is your monthly income?
– तुमचे मासिक उत्पन्न किती आहे? (Tumche Masik Utapanna Kiti Aahe?)
– Please pay the electricity bill.
– कृपया वीज बिल भरा. (Kripaya Vij Bil Bhara.)
– We need to save for retirement.
– आपल्याला निवृत्ती साठी बचत करावी लागेल. (Aplyala Nivrutti Sathi Bachat Karavi Lagel.)
Conclusion
Expanding your Marathi vocabulary in the realm of personal finance can significantly boost your confidence and ability to manage your finances effectively. Whether it’s opening a bank account, understanding investment options, or planning for retirement, these terms will serve you well. Practice using them in sentences and real-life situations to make them a natural part of your financial conversations. Happy learning!
