PaisaBhanu · Class 4-5
Karz aur byaj: bank ka bank
Agar tum doston se 10 rupaye udhaar lo, toh kya wapas bhi 10 hi karoge? Aur bank mein kya hota hai?
Socho pehle… phir dekho jawab
Bank mein karz lene par lautate waqt thoda extra dena padta hai. Us extra ko byaj kehte hain. Aur bankon ka bhi ek 'bank' hota hai: Reserve Bank of India (RBI).
Bank do kaam karta hai: logon ke paise rakhta hai aur logon ko karz deta hai. Karz lene wale ko lautate waqt thoda extra (byaj) dena hota hai. Isi byaj se bank apna kaam chalata hai aur bachat karne walon ko bhi byaj deta hai.
Bankon ka bhi ek bada bank hai: RBI. RBI doosre bankon ko karz deta hai, aur us karz ki ek dar tay hoti hai. RBI ki ek samiti (Monetary Policy Committee) is dar ke baare mein baithak karti hai.
Cause-effect: agar RBI ki dar badhti hai, toh bankon ke karz bhi mehenge ho sakte hain. Is hafte RBI ki samiti 5 se 7 October tak baithak kar rahi hai aur faisla 7 October ko aayega. Abhi sirf baithak chal rahi hai, faisla nahi hua.
Ghar pe try karo
Bade ke saath 'udhaar' ka khel khelo. Bade tumhe 10 khilone ke sikke karz mein dete hain, tum lautate waqt 11 lauta dena. Woh 1 extra sikka kya hai? Byaj!
Wow!
Bharat ka bank RBI sirf bankon ko hi nahi, poori arthvyavastha ko sambhalne mein madad karta hai!
Mummy-Papa ke liye
Aaj bachche se poochiye: 'Bank mein byaj kyun milta hai?' Aur ghar ke ek udhaar-wapsi ke udaharan se karz aur byaj ka rishta samjhaiye.
3 sawaal
- Bankon ka bank kaun hai?
Jawab dekho
RBI. RBI (Reserve Bank of India) bankon ka bank hai.
- Karz lautate waqt jo extra dete hain, use kya kehte hain?
Jawab dekho
Byaj. Karz par lautate waqt jo extra diya jaata hai, use byaj kehte hain.
- RBI ki dar badhe toh karz kaise ho sakte hain?
Jawab dekho
Mehenge ho sakte hain. RBI ki dar badhne par bankon ke karz mehenge ho sakte hain.
NCERT se jodo: NCERT Class 5 Mathematics aur Social Studies — paise aur bank ka kaam