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B2 noun 10 min read

उधारकर्ता

udhaarkarta
Examples Notes & Tips उधारकर्ता in 30 Seconds
Explanation उधारकर्ता in your Level:
At the A1 level, 'उधारकर्ता' (Udhaarkartaa) is a very advanced word. Beginners usually learn the basic verb 'लेना' (to take) or the phrase 'पैसे लेना' (to take money). If you see this word, just remember it means 'the person who takes a loan'. Think of it as 'Udhaar' (loan) + 'Kartaa' (doer). You won't need to use it in daily conversation yet. Instead of saying 'I am a borrower', you would say 'Maine paise liye hain' (I have taken money). Focus on the root word 'Udhaar' first, as you will hear that often in shops when people ask for credit. This word is like the formal label on a bank form. Just recognize the 'Kartaa' ending which always means 'a person who does something'.
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At the A2 level, you are starting to see more formal words in news or signs. 'उधारकर्ता' might appear in a simple news headline about banks. You should recognize that 'Kartaa' at the end of words like 'Sahaayakarta' (helper) or 'Udhaarkartaa' (borrower) refers to a person. At this stage, you might be able to use it in a simple sentence like 'Udhaarkartaa bank gaya' (The borrower went to the bank). However, you will still mostly use 'udhaar lene waala' in your own speaking. It is helpful to know this word if you are living in India and opening a bank account, as you might see it on the documents. It's a masculine noun, so it behaves like 'ladka' or 'kamra' in some ways, but the 'aa' at the end of 'Kartaa' doesn't always change in the same way.
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By B1, you should be comfortable seeing 'उधारकर्ता' in newspapers and formal announcements. You are moving beyond simple 'market Hindi' and into 'functional Hindi'. You should understand that this word is neutral and professional. If you are discussing a story about a business, you can use this word to describe the person taking the loan. You should also start noticing how it is used with postpositions: 'Udhaarkartaa ne' (The borrower did...), 'Udhaarkartaa ko' (To the borrower). You can distinguish it from 'karzdaar' (which sounds more like someone in trouble). At B1, you can start using it in your writing tasks, especially if the topic is about money, economy, or social issues. It makes your Hindi sound more educated and precise.
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At the B2 level, 'उधारकर्ता' is a core part of your professional vocabulary. You should be able to use it fluately in discussions about finance, banking, and legal rights. You should understand the nuances of the word—that it implies a contractual relationship. You should also be familiar with related terms like 'Saha-udhaarkartaa' (co-borrower) and 'Rindataa' (lender). At this level, you are expected to handle the oblique forms and pluralization ('udhaarkartaon') without hesitation. You can explain the responsibilities of a borrower using this term. In a debate or a presentation about the Indian economy, using 'udhaarkartaa' instead of 'udhaar lene waala' is expected to maintain the appropriate formal register.
For C1 learners, 'उधारकर्ता' is a word you use to analyze complex systems. You understand its legal implications in a contract. You can discuss the 'rights of the borrower' (उधारकर्ता के अधिकार) and the 'obligations of the borrower' (उधारकर्ता के कर्तव्य). You can use the word in academic writing or high-level business negotiations. You also understand the cultural context—how the term is used in government policy documents to define specific demographics. You might even explore the Sanskrit roots further to understand other 'Kartaa' words. Your usage should be flawless, and you should be able to distinguish when to use 'udhaarkartaa' versus the more accounting-specific 'dendaar' or the more literary 'rini'.
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At the C2 level, you have a masterly command of the word 'उधारकर्ता' and its place in the Hindi lexicon. You can perceive the subtle tone shifts when a politician uses this word versus a banker. You are capable of reading dense legal judgments where the 'udhaarkartaa' is the central figure in a dispute. You might even use the word in a meta-linguistic way, discussing how the transition from 'karzdaar' to 'udhaarkartaa' reflects a shift in India's economic identity from a traditional society to a modern financial one. You can use the word with total precision in any context, including high-stakes financial reporting, legal drafting, or philosophical discussions on the nature of debt and trust in society.
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Examples Notes & Tips

उधारकर्ता in 30 Seconds

  • A formal Hindi term for 'borrower' used primarily in finance.
  • Derived from 'Udhaar' (loan) and 'Kartaa' (doer/agent).
  • Essential for reading bank documents and formal Hindi news.
  • More professional and neutral than the common word 'Karzdaar'.

The Hindi word उधारकर्ता (Udhaarkartaa) is a formal noun that translates directly to 'borrower' in English. It is composed of two distinct parts: उधार (udhaar), meaning 'loan' or 'credit', and the suffix कर्ता (kartaa), which denotes the 'doer' or 'agent' of an action. In the vast landscape of Hindi vocabulary, this term holds a significant place within the realms of finance, law, and formal commerce. While everyday conversations might favor the more colloquial term कर्ज़दार (karzdaar), उधारकर्ता is the gold standard for official documentation, banking applications, and economic discourse. It specifically identifies a person, organization, or entity that receives money, goods, or services with the explicit legal or moral obligation to return or pay for them at a later date, usually with interest.

Etymological Breakdown
The term is rooted in Sanskrit-derived Hindi. 'Udhaar' signifies the act of taking something on trust or credit. 'Kartaa' is a common suffix in Hindi (derived from the Sanskrit 'kṛ') used to transform a verb or concept into a personified noun. Thus, it literally means 'the one who performs the act of borrowing'.
Social and Economic Significance
In the Indian context, being an 'udhaarkartaa' carries varying social weights. In a modern urban banking environment, it is a neutral term for a client. However, in traditional rural settings, the concept of debt is often tied to 'maryada' (honor), making the responsibilities of a borrower deeply personal and community-oriented. The word is frequently used in news reports regarding micro-loans, home mortgages, and government schemes for farmers.

यदि उधारकर्ता समय पर किस्त नहीं चुकाता, तो बैंक जुर्माना लगा सकता है। (If the borrower does not pay the installment on time, the bank can impose a penalty.)

Understanding the nuance between 'udhaarkartaa' and its synonyms is crucial for B2 level learners. While 'karzdaar' sounds more like someone who is 'in debt' (often implying a burden), 'udhaarkartaa' sounds like a participant in a financial transaction. You will encounter this word in almost every Hindi-language bank form, loan agreement, and financial news article. It is also used in academic discussions about macroeconomics, such as 'the relationship between the lender and the borrower'.

एक जिम्मेदार उधारकर्ता हमेशा अपनी साख का ध्यान रखता है। (A responsible borrower always takes care of their creditworthiness.)

In summary, the word encapsulates the legal identity of a person in a credit relationship. It is neutral, precise, and carries the weight of contractual obligation. As India's economy grows and more people enter the formal banking system, the frequency of this term in daily media has increased significantly. It is a vital word for anyone looking to navigate the professional landscape of India or understand Hindi literature that deals with themes of social justice, economics, and rural life.

Using उधारकर्ता correctly requires an understanding of Hindi's case system and formal sentence structure. Since it is a masculine noun ending in 'aa', it follows the standard declension patterns. In the direct case, it remains 'उधारकर्ता', but in the oblique case (when followed by a postposition like 'ko', 'ne', or 'se'), the final 'aa' changes to 'aa' (it is an exceptional case or remains the same depending on the dialect, but usually, 'कर्ता' remains 'कर्ता' in oblique singular, while in plural it becomes 'कर्ताओं').

Subjective Use
When the borrower is the main actor: 'उधारकर्ता ने ऋण के लिए आवेदन किया' (The borrower applied for the loan). Here, 'ne' is the ergative marker used with the past tense.
Objective Use
When the borrower is the recipient: 'बैंक उधारकर्ता को सूचित करेगा' (The bank will inform the borrower). 'Ko' marks the indirect object.

प्रत्येक उधारकर्ता की क्रेडिट रिपोर्ट जांची जाती है। (Every borrower's credit report is checked.)

For learners at the B2 level, it is important to pair 'उधारकर्ता' with appropriate verbs. Common verb pairings include 'चुकाना' (to repay), 'आवेदन करना' (to apply), 'डिफ़ॉल्ट करना' (to default), and 'हस्ताक्षर करना' (to sign). Notice how the word maintains its formality regardless of the surrounding vocabulary. For example, in a sentence like 'उधारकर्ता को अपनी आय का प्रमाण देना होगा' (The borrower will have to provide proof of income), the use of 'pramaan' (proof) matches the formal register of 'udhaarkartaa'.

ग्रामीण क्षेत्रों में उधारकर्ताओं को वित्तीय साक्षरता की आवश्यकता है। (Borrowers in rural areas need financial literacy.)

When discussing multiple borrowers, use the plural form 'उधारकर्ताओं' (udhaarkartaon). Example: 'बैंक ने सभी उधारकर्ताओं को नोटिस भेजा' (The bank sent a notice to all borrowers). This pluralization is vital for accuracy in business reporting. In addition, you may see it used in compound terms like 'सह-उधारकर्ता' (co-borrower), which is frequent in joint home loan applications. Mastering these variations allows for precise communication in professional Hindi settings.

The environment in which you encounter उधारकर्ता is almost always structured and professional. If you are walking into a branch of the State Bank of India (SBI) or ICICI Bank, the posters on the walls explaining loan schemes will invariably use this word. It is the 'official' way to address the customer who is seeking credit. Unlike the English word 'borrower' which can be used casually (e.g., 'He's a constant borrower of books'), 'उधारकर्ता' is almost exclusively reserved for financial contexts.

News and Media
On news channels like NDTV India or Zee Business, analysts discuss 'उधारकर्ताओं का बोझ' (the burden on borrowers) when interest rates rise. It is a staple of the financial segment of any Hindi newspaper like Dainik Jagran or Navbharat Times.
Legal and Government Documents
In the 'Gazette of India' or state government notifications regarding debt relief for farmers, 'उधारकर्ता' is the legal term used to define who is eligible for the scheme. It distinguishes a formal borrower from an informal one.

आरबीआई ने उधारकर्ताओं के हितों की रक्षा के लिए नए नियम जारी किए हैं। (RBI has issued new rules to protect the interests of borrowers.)

You will also hear this word in educational settings. Professors teaching economics or commerce in Hindi medium universities will use 'उधारकर्ता' to explain the flow of capital. It is also common in the growing industry of Hindi-language podcasts focused on personal finance and stock markets. In these contexts, the word is used to educate the public about 'credit scores' (सिबिल स्कोर) and the responsibilities of taking a loan.

क्या आप एक नए उधारकर्ता के रूप में अपनी योग्यता जानना चाहते हैं? (Do you want to know your eligibility as a new borrower?)

Finally, in the world of Hindi cinema (Bollywood), especially in movies dealing with social issues or the banking sector (like 'Scam 1992' or rural dramas), this word appears in court scenes or bank confrontations. It adds a layer of 'sarkari' (governmental) or legal gravity to the dialogue. Understanding this word helps you transition from basic 'market Hindi' to the Hindi used by professionals and policymakers.

One of the most frequent mistakes English speakers make when using उधारकर्ता is misapplying it to casual situations. Because 'borrower' in English is quite flexible, a learner might say 'वह मेरी किताब का उधारकर्ता है' to mean 'He is the borrower of my book'. In Hindi, this sounds incredibly stiff and unnatural, almost as if the book-lending was a formal bank transaction. For casual lending, the phrase 'उधार लेने वाला' (udhaar lene waala) or simply 'उसने किताब ली है' (he has taken the book) is much better.

Confusing with 'Karzdaar'
While 'karzdaar' and 'udhaarkartaa' are synonyms, 'karzdaar' often carries a negative connotation of being 'burdened' or 'trapped' in debt. Using 'udhaarkartaa' in a story about a poor farmer losing his land might sound too clinical and detached. Conversely, using 'karzdaar' in a formal loan agreement might sound slightly unprofessional.
Pronunciation Errors
Learners often struggle with the aspirated 'dh' (ध) in 'udhaar' and the 'rt' (र्त) conjunct in 'kartaa'. Pronouncing it as 'udaarkarta' (without the breathy 'h') changes the sound significantly and can make the word hard to recognize for native speakers.

गलत: वह मेरा पैसे का उधारकर्ता है। (Wrong context for a friend).
सही: उसने मुझसे पैसे उधार लिए हैं। (Right: He has borrowed money from me.)

Another mistake involves gender agreement. As mentioned earlier, even though the borrower might be female, 'udhaarkartaa' is usually treated as a masculine noun grammatically unless you use the archaic 'udhaarkartri'. Don't try to force a feminine ending like 'udhaarkarti'—this is not a word and will confuse people. Stick to the standard form and let the surrounding verbs or adjectives indicate gender if necessary, though in formal writing, the masculine 'neutral' is preferred.

सावधान रहें: उधारकर्ता और ऋणदाता (lender) के बीच अक्सर भ्रम हो जाता है। (Be careful: confusion often occurs between the borrower and the lender.)

Lastly, remember that 'udhaar' can mean both 'loan' and 'credit'. If you are talking specifically about a bank loan (rin), you might occasionally hear 'rin-karta', but 'udhaarkartaa' remains the more versatile and common term. Avoid over-complicating the word; its beauty lies in its technical precision.

In Hindi, the concept of borrowing has several linguistic layers depending on the register and the specific nature of the debt. While उधारकर्ता is the formal, technical term, knowing its alternatives will help you navigate different social situations and understand literature more deeply.

कर्ज़दार (Karzdaar)
This is the most common synonym. Derived from Persian 'qarz', it is used in both formal and informal contexts. It often emphasizes the state of being in debt.
Example: 'वह भारी कर्ज़दार है' (He is heavily in debt).
ऋणी (Rini)
A highly formal, Sanskritized word. It is often used metaphorically to express gratitude.
Example: 'मैं आपका ऋणी हूँ' (I am indebted to you/grateful to you). In a financial sense, it is equivalent to 'debtor'.
देनदार (Dendaar)
Literally 'the one who has to give'. This is an accounting term used in bookkeeping to denote 'debtors' or 'accounts receivable'. It is the direct opposite of 'lena-daar' (creditor).

तुलना:
1. उधारकर्ता (Formal/Banking)
2. कर्ज़दार (General/Emotional)
3. ऋणी (Literary/Grateful)
4. देनदार (Accounting/Business)

Choosing the right word depends on your audience. If you are writing a business report, 'उधारकर्ता' or 'देनदार' is best. If you are writing a poem or a heartfelt letter, 'ऋणी' is appropriate. If you are talking about a neighbor who owes you money for groceries, 'उधार लेने वाला' is the most natural choice. There is also the term 'अधमर्ण' (adhamarn), which is an extremely high-level Sanskrit legal term for a debtor, but you will likely only see this in ancient texts or very specialized legal documents.

बैंक उधारकर्ता की भुगतान क्षमता का आकलन करता है। (The bank assesses the borrower's repayment capacity.)

Understanding these distinctions is a hallmark of a B2/C1 learner. It shows that you don't just know the translation of 'borrower', but you understand the socio-linguistic fabric of the Hindi language. In your practice, try to swap these words in different contexts to see how the 'feeling' of the sentence changes.

How Formal Is It?

Fun Fact

The suffix '-kartaa' is one of the most productive suffixes in Hindi, used to create hundreds of professions and roles.

Pronunciation Guide

UK /ʊ.d̪ʱɑːɾ.kəɾ.t̪ɑː/
US /u.ðɑːr.kɑːr.tɑː/
The primary stress is on the second syllable 'dhaar'.
Rhymes With
Sahaayakarta (Helper) Abhikarta (Agent) Karta (Doer) Vidharta (Creator) Hartaa (Taker) Vicharkarta (Thinker) Nirmaankarta (Builder) Prayogkarta (User)
Common Errors
  • Pronouncing 'dh' as a simple 'd' (Udaarkartaa).
  • Missing the 'r' sound before 'taa'.
  • Using a retroflex 'T' (like in 'Tom') instead of a dental 't'.

Difficulty Rating

Reading 7/5

Requires knowledge of conjunct characters and formal vocabulary.

Writing 8/5

Spelling the 'reph' and 'dh' correctly is challenging for learners.

Speaking 7/5

Pronouncing the aspirated 'dh' and dental 't' requires practice.

Listening 6/5

Easy to recognize in a formal context due to the 'kartaa' suffix.

What to Learn Next

Prerequisites

उधार (Loan) देना (To give) लेना (To take) बैंक (Bank) पैसे (Money)

Learn Next

ऋणदाता (Lender) ब्याज दर (Interest rate) किस्त (Installment) साख (Credit/Reputation) अनुबंध (Contract)

Advanced

दिवालियापन (Bankruptc
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Examples by Level

1

उधारकर्ता कौन है?

Who is the borrower?

Simple question structure with 'kaun' (who).

2

उधारकर्ता यहाँ है।

The borrower is here.

Using 'yahan' (here) to show location.

3

वह एक उधारकर्ता है।

He is a borrower.

Basic subject-complement sentence.

4

उधारकर्ता पैसे लेता है।

The borrower takes money.

Present simple tense with 'leta hai'.

5

क्या आप उधारकर्ता हैं?

Are you the borrower?

Interrogative sentence using 'kya'.

6

उधारकर्ता खुश है।

The borrower is happy.

Adjective 'khush' modifying the noun.

7

उधारकर्ता का नाम क्या है?

What is the borrower's name?

Genitive case using 'ka'.

8

उधारकर्ता बैंक गया।

The borrower went to the bank.

Simple past tense.

1

उधारकर्ता को पैसे चाहिए।

The borrower needs money.

Use of 'ko... chahiye' construction.

2

उधारकर्ता ने फॉर्म भरा।

The borrower filled the form.

Ergative 'ne' with a transitive verb in past tense.

3

नया उधारकर्ता बैंक में है।

The new borrower is in the bank.

Adjective 'naya' (new) modifying the noun.

4

उधारकर्ता को बैंक जाना है।

The borrower has to go to the bank.

Infinitival 'ko... jaana hai' for obligation.

5

उधारकर्ता के पास कागज़ हैं।

The borrower has the papers.

Possession using 'ke paas'.

6

उधारकर्ता बहुत ईमानदार है।

The borrower is very honest.

Adverb 'bahut' and adjective 'imaandaar'.

7

उधारकर्ता ने ऋण माँगा।

The borrower asked for a loan.

Past tense of 'maangna' (to ask for).

8

क्या उधारकर्ता यहाँ काम करता है?

Does the borrower work here?

Present simple interrogative.

1

बैंक उधारकर्ता की आय की जाँच करता है।

The bank checks the borrower's income.

Genitive 'ki' with feminine noun 'aay' (income).

2

उधारकर्ता को समय पर ऋण चुकाना चाहिए।

The borrower should repay the loan on time.

Use of 'chahiye' for advice/duty.

3

यदि उधारकर्ता भुगतान नहीं करता, तो समस्या होगी।

If the borrower doesn't pay, there will be a problem.

Conditional 'yadi... toh' structure.

4

उधारकर्ता ने सभी नियमों को ध्यान से पढ़ा।

The borrower read all the rules carefully.

Adverbial phrase 'dhyaan se'.

5

हर उधारकर्ता का अपना क्रेडिट स्कोर होता है।

Every borrower has their own credit score.

Use of 'apna' (reflexive possessive).

6

उधारकर्ता ने बैंक मैनेजर से बात की।

The borrower spoke with the bank manager.

Compound verb 'baat ki' (spoke).

7

क्या उधारकर्ता ने दस्तावेज़ जमा कर दिए हैं?

Has the borrower submitted the documents?

Present perfect tense with 'kar diye hain'.

8

उधारकर्ता को कम ब्याज दर मिली।

The borrower got a low interest rate.

Dative subject with 'milna' (to get/receive).

1

उधारकर्ता की साख उसके पिछले रिकॉर्ड पर निर्भर करती है।

The borrower's creditworthiness depends on their past record.

Verb 'nirbhar karna' (to depend).

2

बैंक उधारकर्ता को डिफ़ॉल्ट के बारे में चेतावनी देता है।

The bank warns the borrower about defaulting.

Use of 'ke baare mein' (about).

3

एक जिम्मेदार उधारकर्ता अपनी वित्तीय योजना बनाता है।

A responsible borrower creates their financial plan.

Adjective 'zimmedaar' and 'vittiya' (financial).

4

उधारकर्ता को गारंटर की आवश्यकता हो सकती है।

The borrower might need a guarantor.

Modal 'ho sakti hai' (might/may).

5

उधारकर्ता ने गिरवी रखने के लिए संपत्ति के कागज़ दिए।

The borrower gave property papers for collateral.

Purpose clause with 'ke liye'.

6

आरबीआई उधारकर्ताओं के हितों की रक्षा के लिए नियम बनाता है।

RBI makes rules to protect the interests of borrowers.

Plural oblique 'udhaarkartaon'.

7

उधारकर्ता को ऋण की शर्तों को समझना चाहिए।

The borrower should understand the terms of the loan.

Noun 'sharton' (terms/conditions).

8

यदि उधारकर्ता दिवालिया हो जाता है, तो बैंक को नुकसान होता है।

If the borrower goes bankrupt, the bank suffers a loss.

Complex conditional with 'ho jaata hai'.

1

उधारकर्ता की ऋण शोधन क्षमता का सूक्ष्म विश्लेषण आवश्यक है।

A detailed analysis of the borrower's solvency is necessary.

High-level vocabulary: 'rin shodhan kshamta' (solvency).

2

अक्सर उधारकर्ता और बैंक के बीच सूचना की विषमता होती है।

Often there is information asymmetry between the borrower and the bank.

Abstract concept 'vishamta' (asymmetry/inequality).

3

उधारकर्ता को अपनी देयताओं का पूर्ण प्रकटीकरण करना चाहिए।

The borrower should make a full disclosure of their liabilities.

Formal term 'deyaton' (liabilities).

4

नियामक ढांचा उधारकर्ता को शोषण से बचाने के लिए बनाया गया है।

The regulatory framework is designed to protect the borrower from exploitation.

Passive voice 'banaya gaya hai'.

5

उधारकर्ता की चुकौती क्षमता ब्याज दरों में उतार-चढ़ाव से प्रभावित होती है।

The borrower's repayment capacity is affected by fluctuations in interest rates.

Compound noun 'utaar-chadhaav' (fluctuations).

6

सह-उधारकर्ता की उपस्थिति ऋण की स्वीकृति की संभावना बढ़ा देती है।

The presence of a co-borrower increases the likelihood of loan approval.

Abstract noun 'sambhaavna' (possibility/likelihood).

7

उधारकर्ता को ऋण संवितरण से पहले सभी शुल्कों की जानकारी होनी चाहिए।

The borrower should be aware of all charges before loan disbursement.

Technical term 'sanvitaran' (disbursement).

8

डिजिटल युग में उधारकर्ता की पहचान का सत्यापन आसान हो गया है।

In the digital age, verification of the borrower's identity has become easier.

Genitive construction 'pehchan ka satyapan'.

1

उधारकर्ता की मनोवैज्ञानिक प्रवृत्तियाँ उसके वित्तीय निर्णयों को निर्देशित करती हैं।

The borrower's psychological tendencies guide their financial decisions.

Advanced psychology/finance crossover vocabulary.

2

ऋण समझौते में उधारकर्ता के प्रति बैंक का दायित्व स्पष्ट रूप से परिभाषित है।

The bank's liability toward the borrower is clearly defined in the loan agreement.

Postpositional phrase 'ke prati' (towards).

3

उधारकर्ता द्वारा ऋण का समयपूर्व भुगतान बैंक की लाभप्रदता को प्रभावित कर सकता है।

Prepayment of the loan by the borrower can affect the bank's profitability.

Instrumental 'dwara' used in formal contexts.

4

आर्थिक मंदी के दौरान, उधारकर्ताओं की चूक की दर में वृद्धि स्वाभाविक है।

During an economic recession, an increase in the default rate of borrowers is natural.

Complex genitive 'udhaarkartaon ki chook ki dar'.

5

उधारकर्ता की साख का मूल्यांकन अब वैकल्पिक डेटा स्रोतों के माध्यम से भी किया जा रहा है।

The evaluation of the borrower's credit is now also being done through alternative data sources.

Continuous passive 'kiya ja raha hai'.

6

एक परिपक्व वित्तीय बाजार में, उधारकर्ता को प्रतिस्पर्धी दरों का लाभ मिलता है।

In a mature financial market, the borrower gets the benefit of competitive rates.

Adjective 'paripakva' (mature).

7

उधारकर्ता और ऋणदाता के बीच का संबंध विश्वास और संविदात्मक स्पष्टता पर आधारित है।

The relationship between the borrower and the lender is based on trust and contractual clarity.

Sanskritized pair 'vishwaas' and 'sanvidaatmak'.

8

उधारकर्ता की ऋण वहनीयता का सटीक आकलन व्यापक आर्थिक स्थिरता के लिए अनिवार्य है।

Accurate assessment of the borrower's debt affordability is mandatory for macroeconomic stability.

Abstract academic structure.

Common Collocations

उधारकर्ता की साख
सह-उधारकर्ता
उधारकर्ता का डिफ़ॉल्ट
उधारकर्ता की पहचान
उधारकर्ता के अधिकार
उधारकर्ता की आय
पात्र उधारकर्ता
उधारकर्ता की चुकौती
उधारकर्ता का विवरण
नया उधारकर्ता

Common Phrases

उधारकर्ता को सूचित करना

— To inform the borrower about something important.

बैंक ने उधारकर्ता को सूचित किया।

उधारकर्ता की सहमति

— The consent of the borrower, usually for data sharing.

उधारकर्ता की सहमति आवश्यक है।

उधारकर्ता का रिकॉर्ड

— The historical financial behavior of the borrower.

उसका उधारकर्ता रिकॉर्ड खराब है।

उधारकर्ता की श्रेणी

— The classification of the borrower (e.g., individual, SME).

आप किस उधारकर्ता की श्रेणी में आते हैं?

उधारकर्ता का पता

— The residential or business address of the borrower.

उधारकर्ता का पता बदल गया है।

उधारकर्ता की मृत्यु

— A legal clause regarding the death of the borrower.

उधारकर्ता की मृत्यु के मामले में क्या होगा?

उधारकर्ता का हस्ताक्षर

— The signature of the borrower on a document.

यहाँ उधारकर्ता का हस्ताक्षर चाहिए।

उधारकर्ता की पात्रता

— The eligibility criteria for a borrower.

उधारकर्ता की पात्रता के नियम कड़े हैं।

उधारकर्ता का बैंक

— The bank from which the borrower has taken money.

यह उधारकर्ता का मुख्य बैंक है।

उधारकर्ता का जोखिम

— The risk associated with lending to a specific borrower.

बैंक उधारकर्ता का जोखिम कम करना चाहता है।

Idioms & Expressions

"उधार की ज़िंदगी जीना"

— To live on borrowed money/time; to be in a precarious state.

वह आजकल उधार की ज़िंदगी जी रहा है।

Informal
"पैसे का गुलाम होना"

— To be a slave to money; often applied to a desperate borrower.

कर्ज़ के कारण वह पैसे का गुलाम बन गया है।

Literary
"सिर पर कर्ज़ होना"

— To be heavily burdened by debt.

उधारकर्ता के सिर पर बहुत कर्ज़ है।

Colloquial
"हाथ तंग होना"

— To be short of money (often why one becomes an udhaarkartaa).

आजकल मेरा हाथ तंग है, इसलिए मैं उधारकर्ता बना।

Informal
"ऋण जाल में फँसना"

— To be caught in a debt trap.

बेचारा उधारकर्ता ऋण जाल में फँस गया।

Formal
"साख पर बट्टा लगना"

— To have one's reputation/credit ruined.

डिफ़ॉल्ट करने से उधारकर्ता की साख पर बट्टा लग गया।

Formal
"पानी सिर से ऊपर जाना"

— When a situation (like debt) becomes unbearable.

जब पानी सिर से ऊपर चला गया, तो उधारकर्ता ने मदद माँगी।

Informal
"दूध का जला छाछ भी फूँक-फूँक कर पीता है"

— Once bitten, twice shy (a lender dealing with a bad borrower).

बैंक अब हर उधारकर्ता की बारीकी से जाँच करता है।

Proverb
"हाथ फैलाना"

— To beg or ask for money/help.

उधारकर्ता को सबके सामने हाथ फैलाना पड़ा।

Informal
"कौड़ी-कौड़ी चुकाना"

— To pay back every single penny.

ईमानदार उधारकर्ता कौड़ी-कौड़ी चुकाता है।

Colloquial

Word Family

Nouns

उधार (Loan)
ऋण (Debt)
कर्ज़ (Debt)
उधारकर्ता (Borrower)

Verbs

उधार लेना (To borrow)
उधार देना (To lend)
चुकानी (To repay)

Adjectives

उधार (On credit)
ऋणी (Indebted)
कर्ज़दार (In debt)

Related

बैंक
ब्याज
किस्त
साख
अनुबंध
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Memorize It

Mnemonic

Imagine a 'Kart' (cart) full of 'Udhaar' (debt) being pulled by a 'Kartaa' (doer). The Udhaar-Kart-aa is the one pulling the debt cart.

Visual Association

A person signing a huge paper (contract) with a bank logo in the background.

Word Web

Bank Money Loan Interest Repayment Contract Signature Credit Score

Challenge

Try to use 'उधारकर्ता' in a sentence describing a character in a movie who takes a loan to save their family home.

Word Origin

Derived from Sanskrit 'Uddhāra' (lifting up, debt) and 'Kartṛ' (doer).

Original meaning: The one who takes up a debt or obligation.

Indo-Aryan

Cultural Context

Be careful when calling someone a 'karzdaar' as it can be offensive; 'udhaarkartaa' is always safer and more polite.

Unlike the English 'borrower' which is used for books or sugar, 'उधारकर्ता' is strictly for money/finance.

RBI guidelines for 'उधारकर्ता' Financial literacy campaigns in India Hindi business news segments
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