Assets Vs Liabilities

 

Assets aur Liabilities ka kya matlab hai?

Financial understanding ka ek basic part hai: samajhna ki assets aur liabilities kya hote hain. Agar aap yeh dono concepts samajh jaate hain, to aap easily jaan sakte hain ki aap financially strong ho ya nahi.

Assets kya hote hain?

Assets wo cheezein hoti hain jo aapke liye paisa banati hain ya future mein paisa kama kar ke deti hain. Simple language mein, jo cheez aapki pocket mein paisa daale, wo asset hai.

Examples:

• Bank balance ya savings

• Property jisse rent milta ho

• Stocks aur Mutual Funds

• Business ownership

• Gold

Liabilities kya hoti hain?

Liabilities wo zimmedariyaan (burden) hoti hain jinke liye aapko paise dene padte hain. Jo cheez aapki pocket se paisa nikaale, wo liability hai.

Examples:

• Home loan

• Car loan

• Credit card bill

• Personal loan

Ek Real Life Example:

Rahul ke paas ek 2 BHK flat hai jo usne ₹50 lakh ka liya hai. Usne ₹20 lakh ka loan liya hua hai.

• Asset: ₹50 lakh ka flat (kyunki wo uska valuable possession hai)

• Liability: ₹20 lakh ka loan (kyunki usse wo chukana hai)

To Rahul ka Net Worth hoga: Asset - Liability = ₹50 lakh - ₹20 lakh = ₹30 lakh

Kyu Zaroori Hai Assets aur Liabilities ko samajhna?

• Aap apni Net Worth nikal sakte hain

• Financial planning karne mein madad milti hai

• Zyada liabilities lene se bach sakte hain

• Wealth build karne ka process samajh mein aata hai

Conclusion:

Jitni zyada aapki assets hongi aur jitni kam liabilities, utna aapka financial health strong hoga. Isiliye, smart banne ke liye assets badhaiye aur liabilities ko control mein rakhiye.

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