Overdraft facility kya hoti hai? 💸🏦 Ye to bank se udhar lene ka fancy tarika lagta hai! Option: Ek long-term loan, Ek type ka savings account, Ek type ka investment fund, Ek short-term credit agreement

**Overdraft facility** ek **short-term credit agreement** hoti hai: - **Kya karta hai?** - Aapko apne bank account se zyada paise withdraw karne deta hai - Ek pre-approved limit tak - **Kyu use karte hain?** - Short-term cash flow issues ke liye - Unexpected expenses cover karne ke liye - Temporary shortfalls handle karne ke liye Ye ek financial safety net ki tarah kaam karta hai. Jaise aap circus mein tightrope walker ke neeche safety net dekhte hain, waise hi overdraft aapke finances ke liye ek safety net hai. Lekin yaad rakhein, zyada der tak net pe latke rehna theek nahi, jaldi balance regain karna zaroori hai!

**Overdraft facility** ek **short-term credit agreement** hoti hai: - **Kya karta hai?** - Aapko apne bank account se zyada paise withdraw karne deta hai - Ek pre-approved limit tak - **Kyu use karte hain?** - Short-term cash flow issues ke liye - Unexpected expenses cover karne ke liye - Temporary shortfalls handle karne ke liye Ye ek financial safety net ki tarah kaam karta hai. Jaise aap circus mein tightrope walker ke neeche safety net dekhte hain, waise hi overdraft aapke finances ke liye ek safety net hai. Lekin yaad rakhein, zyada der tak net pe latke rehna theek nahi, jaldi balance regain karna zaroori hai!

Overdraft facility pe interest calculation **roz ka khel** hai! 📅💰 Kaise hota hai ye magic? * **Daily calculation:** Har din dekha jaata hai kitna overdraft use hua * **Sirf used amount pe:** Agar 1 lakh ka limit hai, par aapne sirf 10,000 use kiye, toh sirf 10,000 pe interest lagega * **Zyada use, zyada interest:** Jitna zyada use karoge, utna zyada interest dena padega Smart tips: * Overdraft ko emergency fund ki tarah use karo, regular spending ke liye nahi * Jaldi se jaldi amount repay karo, taki kam se kam interest lage Yaad rakhein, ye loan se alag hai jahan fixed amount pe interest lagta hai. Overdraft mein aap apne interest ko control kar sakte hain!

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! 💥

Financial safety net ek aisa kavach hai jo aapko financial crisis ke samay high-interest debt ke chungal se bachata hai! 🦸‍♂️💸 Ye aapka financial superhero hai! **Safety Net ka Jaadu**: - **Debt Se Bachao**: Jab crisis aaye, to aapko loan lene ki zaroorat na pade 🚫💳 - **Peace of Mind**: Tension-free rehne ka mantra 😌🧘‍♂️ - **Financial Stability**: Ups and downs mein bhi steady rehne ka raaz 📊➡️ **Kaise Kaam Karta Hai**: - Job loss 😢 ya medical emergencies 🏥 jaise situations mein, ye aapka sahara banta hai - High-interest loans lene se bachata hai, jo aapki financial health ko aur kharab kar sakte hain **Yaad Rakhne Wali Baat**: Safety net sirf paise bachane ke liye nahi hai, ye aapko financial disasters se protect karta hai. Ye aapka financial airbag hai! 🛡️💼

Dosto, emergency fund aapki financial zindagi ka airbag hai! 🛡️💼 Iska main fayda: - **Unexpected kharche** ke liye credit card use karne se bachna Kyun zaroori hai? - Achanak medical bills aa jaye 🏥 - Naukri chali jaye 😱 - Gaadi kharab ho jaye 🚗 In sab situations mein, emergency fund aapko high-interest wale credit card debt se bachata hai. Yeh aapki financial stability ka hero hai! 🦸‍♂️💰 Yaad rakhiye, emergency fund na hona, khud ko financial emergency mein daalne jaisa hai! 🆘