what is equity and debt with Example | इक्विटी और डेट क्या हैं इसे आसान भाषा में समझें, उदाहरण के साथ

 Equity aur debt, dono hi tarah ke financial instruments hain jo logon ko paise invest karne aur companies ko capital prapt karne mein madad karte hain. Yeh dono investment options alag-alag risk aur return level ke saath aate hain.

  1. Equity (Udhar):

    • Equity ka matlab hota hai hissa ya share.
    • Jab aap ek company mein equity invest karte hain, toh aap us company ke malik ban jaate hain.
    • Agar company acchi performance karti hai, toh aapko uska hissa badhne ka fayda milta hai.
    • Magar agar company ki performance kharab hoti hai, toh aapka investment bhi kam ho sakta hai.
    • Example: Suppose aap ek startup company mein invest karte hain. Agar wo company successful hoti hai, toh aapka investment bhi zyada valuable ho sakta hai.

    • Debt (Karz):
  • Debt ka matlab hota hai karz ya udhar.
  • Jab aap ek company ko debt dete hain, toh aap us company ko paise udhaar dete hain.
  • Company aapko wapas us karz ke saath interest ke saath paise wapas karti hai.
  • Debt holders company ke maalik nahi hote, sirf lenders hote hain.

Example: Aap ek bank se loan lete hain. Aapko wapas wahi amount dena hota hai jo aapne liya tha, saath mein interest ke saath.

  1. Toh, equity mein aap ek company ka hissa lete hain aur uska maalik ban jaate hain, jabki debt mein aap udhaar dete hain aur interest ke saath wapas paise paate hain. Equity zyada risk wala hota hai lekin zyada returns bhi ho sakte hain, jabki debt mein risk kam hota hai lekin returns bhi kam hote hain.

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