Capital Adequacy Ratio (CAR) kaise calculate kiya jata hai? 🏦🧮 Option: Bank's Capital / Credit Exposure, Total Assets - Total Liabilities, Market Capitalization / Book Value, Income from Investments - Interest Expenses / Average Earning Assets

Chalo finance ke superhero, **Capital Adequacy Ratio (CAR)** ke baare mein baat karte hain! 🦸‍♂️💰 CAR ka formula: **Bank's Capital / Credit Exposure** Ye ratio kya batata hai? - Bank kitna **financially strong** hai 💪 - Kitne **losses absorb** kar sakta hai 🛡️ Isko aur bhi kehte hain: - **Capital-to-risk-weighted assets ratio** CAR zyada = Bank zyada stable 📊 - Economic downturns mein bhi mazboot rahega 🏋️‍♂️ - Credit risks se bhi nahi darega 🦁 Toh agle baar jab bank ka health check karna ho, CAR ko zaroor dekhna! 🩺💼

Risk-weighted assets (RWAs) aur capital adequacy ratio (CAR) ka rishta bilkul cricket match mein run rate aur required runs jaisa hai! 🏏💼 **Kya hota hai ye sab?** - **RWAs**: Bank ke assets ka risk level - **CAR**: Bank ke paas kitna safety cushion hai **Asal mein kya hota hai:** - Zyada risky assets = Zyada RWAs - Zyada RWAs = Bank ko zyada capital rakhna padta hai - Ye bilkul opposite hai question ke pehle option ke! **Yaad rakhne wali baatein:** - CAR ko "capital-to-risk-weighted-assets ratio" bhi kehte hain - Higher risk = Higher capital requirement - Ye bank ki financial stability ensure karta hai Toh, jab bhi aap bank ke baare mein sochein, yaad rakhein: "Jitna zyada risk, utna zyada capital. Bank bhi kabhi 'Bina risk ke ishq nahi karta!'" 😄🏦💖

CRAR yani **Capital Adequacy Ratio** banking ki duniya mein ek bahut important cheez hai! 🎢 - Ye batata hai ki bank kitna **mazboot** hai - Iska matlab hai, bank ke paas kitna paisa hai uske **risky investments** ke hisaab se - Jitna zyada CRAR, utna hi safe bank! 💪 Agar bank ka CRAR kam ho gaya, to samjho bank ki **halat kharab** ho sakti hai. Isliye RBI isko bahut closely dekhta rehta hai. 👀

Credit card to aise hai jaise mithai ki dukaan - thoda khao to maza, zyada khao to pet kharab! 🍬💳 **Credit card ka zyada use karne se kya hota hai?** - **Karza (debt) badh jata hai:** Jaise jaise bill badhta hai, aapka karza bhi badhta jata hai - **Credit score pe asar:** Agar payments miss kiye ya limit cross ki, to credit score gir sakta hai **Yaad rakhne wali baatein:** - Credit card **high interest** leta hai - Har month **full payment** nahi kiya to mushkil badh jaati hai - **Overspending** ka risk bahut zyada hota hai **Credit score kharab hone se kya hota hai?** - Future mein **loans** lena mushkil ho sakta hai - **Interest rates** zyada charge ho sakte hain - **Financial opportunities** kam ho sakti hain **Smart use kaise karein?** - Sirf utna use karo jitna chuka sako - Har month **full payment** karo - **Budget** se zyada kharch na karo Credit card to pocket mein **chota sa atom bomb** hai! 💣 Sambhal ke use karo, warna financial dhamaka ho sakta hai! 💥

**CIBIL score** maintain karne ke liye, credit utilization ratio **30% se neeche** rakhna sabse accha hota hai. Ye ratio kya hota hai? * Aapke available credit mein se kitna percent aap use kar rahe hain * Ye aapke **CIBIL score** ka ek important factor hai **30% se neeche ratio rakhne ke fayde:** * Shows responsible credit management 📊 * Lenders ko lagta hai aap kam risky ho 🏦 * Aapka financial profile healthy dikhta hai 💪 **Yaad rakhein:** Credit card ko dahi handi samjho - thoda use karo, zyada nahi! Warna CIBIL score gir jayega aur loan lena mushkil ho jayega! 🪣💸

CIBIL score ke baare mein baat karte hain! Ye toh aapka financial report card hai! 📊🎓 **CIBIL score ka main kaam:** Kisi vyakti ki creditworthiness check karna 🕵️‍♂️💳 **Ye kaise kaam karta hai?** - CIBIL (Credit Information Bureau India Limited) data collect karta hai 📝 - Aapke saare loans aur credit cards ki information rakhta hai 💳🏦 - Is information se ek score generate karta hai (300-900) 🔢 **Accha score matlab:** - Loan milne ke chances zyada 👍 - Better interest rates 💰 - Credit card approval easy 💳 **Bura score matlab:** - Loan lena mushkil 😓 - High interest rates 💸 - Credit card rejection 🚫 **Yaad rakhne wali baatein:** - Regular payments maintain karo 📅 - Credit utilization kam rakho (30% se kam) 📊 - Multiple credit inquiries se bacho 🚫 Toh dosto, apna CIBIL score aise maintain karo jaise apni aankhon ki putli! Ye score accha rahega, toh aapka financial future bhi bright rahega! ✨💰