FINANCIAL AWARENESS with News Paper Discussion

With MCQ
Credit to Business Standard News
With MCQ
With MCQ
FINANCIAL AWARENESS with News Paper Discussion

Credit to Business Standard News

A TO Z Series | Foundation | National Income| By – Vivek Singh

National income

National income means the value of goods and services

produced by a country during a financial year. Thus, it is
the net result of all economic activities of any country
during a period of one year and is valued in terms of
money.

रा#$ीय आय का मतलब एक िव0ीय वष2 के दौरान िकसी देश 9ारा उ;पािदत व=तओ ु ं और
सेवाओ ं का मCू य है। इस Hकार, यह एक वष2 कI अविध के दौरान िकसी भी देश कI
सभी आिथ2क गितिविधयO का शP ु पQरणाम है और इसका मCू यांकन पैसे के संदभ2 मS
िकया जाता है।
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh

Gross domestic product is a monetary

measure of the market value of all the
final goods and services produced in a
specific time period.

सकल घरे लू उ)पाद एक िविश1 समय अविध म6 उ)पािदत सभी

अिं तम व;तओ
ु ं और सेवाओ ं के बाजार मAू य का मौिCक माप है।
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh

Gross National Product (GNP) is the total value of all

finished goods and services produced by a country's
citizens in a given financial year, irrespective of their
location. GNP also measures the output generated by a
country's businesses located domestically or abroad.

सकल रा#$ीय उ;पाद (जीएनपी) िकसी देश के नागQरकO 9ारा िकसी भी िव0ीय वष2 मS
उ;पािदत सभी तैयार व=तओ ु ं और सेवाओ ं का कुल मCू य है, चाहे वे कहV भी रहते हO।
जीएनपी देश के घरे लू या िवदेश मS ि=थत XयवसायO 9ारा उ;पYन उ;पादन को भी मापता
है।
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh

The monetary value of an asset decreases

over time due to use, wear and tear or
obsolescence. This decrease is measured as
depreciation.
A TO Z Series | Foundation | National Income| By – Vivek Singh

Factor cost is the total amount which the manufacturer

had to invest in production of a good or commodity.
It doesn't include any taxes imposed on the final product.

But, the market price is the final cost at which the

manufacturer sells the goods to customers. And these are
inclusive of all the applicable taxes.
A TO Z Series | Foundation | National Income| By – Vivek Singh

National income
National income means the value of goods and
services produced by a country during a financial
year. Thus, it is the net result of all economic
activities of any country during a period of one year
and is valued in terms of money.

रा#$ीय आय का मतलब एक िव0ीय वष2 के दौरान िकसी देश 9ारा उ;पािदत

व=तओ ु ं और सेवाओ ं का मCू य है। इस Hकार, यह एक वष2 कI अविध के दौरान
िकसी भी देश कI सभी आिथ2क गितिविधयO का शP ु पQरणाम है और इसका
मCू यांकन पैसे के सदं भ2 मS िकया जाता है।
A TO Z Series | Foundation | National Income| By – Vivek Singh

National income
Factor Cost: This is the cost of all the resources used to produce
goods and services. It includes things like wages paid to workers,
rent paid for land, and profits earned by businesses. Think of it as
the cost of production from the producer's perspective.

कारक लागत (Factor Cost): यह व$तओ

ु ं और सेवाओं के उ0पादन
म5 उपयोग 8कए जाने वाले सभी संसाधन? क@ लागत है । इसम5
DEमक? को Fदए गए वेतन, भEू म का 8कराया और Iयवसाय?
Jवारा अिजMत लाभ जैसी चीज5 शाEमल हP। इसे उ0पादक के
QिRटकोण से उ0पादन क@ लागत के Uप म5 सोच5 ।

Factor Cost (FC) = Market Price (MP) - Indirect Taxes + Subsidies

A TO Z Series | Foundation | National Income| By – Vivek Singh

National income
Market Price: This is the final price that consumers pay
for goods and services. It includes the factor cost plus any
indirect taxes (like sales tax) and minus any subsidies
(government assistance to producers).

बाजार म,ू य (Market Price): यह अंVतम मW ू य है जो उपभोXता

व$तओु ं और सेवाओं के Eलए भगु तान करते हP। इसम5 कारक लागत
और कोई भी अZ0य[ कर (जैसे ]ब_@ कर) शाEमल है और 8कसी
भी सिaसडी (उ0पादक? को सरकारc सहायता) को घटा Fदया जाता है ।

Market Price (MP) = Factor Cost (FC) + Indirect Taxes - Subsidies

A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
BASE YEAR 2011 CURRENT YEAR 2024
CONSTANT PRICE CURRENT PRICE
2Lac/car 4lac/car

Nominal GDP
8lac @Current Price
Real GDP
4lac @Constant Price 2011
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh

What Is the GDP Price Deflator?

The GDP (gross domestic product) price deflator, also known as the GDP deflator or
the implicit price deflator, measures the changes in prices for all the goods and
services produced in an economy.

•The GDP price deflator measures the changes in prices for all the goods and
services produced in an economy.

•Using the GDP price deflator helps economists compare the levels of real economic
activity from one year to another.

•The GDP price deflator is a more comprehensive inflation measure than the
Consumer Price Index (CPI) index because it isn't based on a fixed basket of goods.
A TO Z Series | Foundation | National Income| By – Vivek Singh

What Is the GDP Price Deflator?

Ø जीडीपी (सकल घरे लू उ0पाद) मW
ू य eडfलेटर, िजसे जीडीपी eडfलेटर या
अंतVनMFहत मW
ू य eडfलेटर के Uप म5 भी जाना जाता है , एक
अथMIयव$था म5 उ0पाFदत सभी व$तओ ु ं और सेवाओं के Eलए क@मत? म5
बदलाव को मापता है ।

Ø जीडीपी मWू य अप$फ@Vतकारक 8कसी अथMIयव$था म5 उ0पाFदत सभी

व$तओु ं और सेवाओं क@ क@मत? म5 बदलाव को मापता है ।

Ø जीडीपी मW ू य eडfलेटर का उपयोग करने से अथMशाि$iय? को एक वषM

से दस
ू रे वषM म5 वा$तkवक आmथMक गVतkवmध के $तर क@ तल ु ना करने
म5 मदद Eमलती है ।

Ø जीडीपी मWू य अप$फ@Vतकारक उपभोXता मW ू य सचू कांक (सीपीआई)

सच
ू कांक क@ तलु ना म5 अmधक Iयापक मn
ु ा$फ@Vत माप है Xय?8क यह
व$तओु ं क@ एक Vनिoचत टोकरc पर आधाpरत नहcं है ।
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh

NATIONAL INCOME ESTIMATIONS IN INDIA

•The first attempt to calculate national income of India was
made by Dadabhai Naoroji in 1867 – 68, who estimated per
capita income to be ₹ 20.

•The first scientific method was made by Professor VKRV

Rao in 1931-32, but was not very satisfactory.
A TO Z Series | Foundation | National Income| By – Vivek Singh

•The first official attempt was made by National Income Committee headed by
Professor PC Mahalanobis in 1949.

•According to the National Income Committee Report (1954), National Income of

India was ₹ 8710 crore and Per Capita Income was ₹ 225 in 1948 – 49.
•In India, Central Statistical Organisation (1949) now renamed as Central Statistical
Office (CSO) has been formulating National Income.

•पहला आिधकाQरक Hयास 1949 मS Hोफे सर पीसी महालनोिबस कI अ\य]ता वाली रा#$ीय आय सिमित
9ारा िकया गया था।

•रा#$ीय आय सिमित कI Qरपोट2 (1954) के अनसु ार, 1948-49 मS भारत कI रा#$ीय आय ₹ 8710
करोड़ और Hित Xयि` आय ₹ 225 थी।

•भारत मS, कS aीय सांिbयकI संगठन (1949) िजसे अब कS aीय सांिbयकI काया2लय (सीएसओ) का नाम
िदया गया है, रा#$ीय आय तैयार करता रहा है।
A TO Z Series | Foundation | National Income| By – Vivek Singh

The National Statistical Office (NSO), Ministry of

Statistics and Programme Implementation
has released the First Advance Estimates of National
Income at both Constant (2011-12) and Current Prices.
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
A TO Z Series | Foundation | National Income| By – Vivek Singh
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-1
English: Which of the following is NOT a method of
calculating National Income?
Hindi: !न#न$ल&खत म* से कौन सी रा234य आय क7 गणना
करने क7 एक ;व=ध नह4ं है ?
(a) Income method / आय ;व=ध
(b) Expenditure method / Dयय ;व=ध
(c) Value-added method / मF ू य व=धGत ;व=ध
(d) Inflation method / मI
ु ाJफ7!त ;व=ध
(e) Product method / उMपाद ;व=ध
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-1
Explanation:
•English: National Income can be calculated using the
Income method, Expenditure method, and Product method
(also known as the Value-added method). There is no
"Inflation method" for calculating National Income.
•Hindi: रा234य आय क7 गणना आय ;व=ध, Dयय ;व=ध और
उMपाद ;व=ध (िजसे मF ू य व=धGत ;व=ध भी कहा जाता है ) का
उपयोग करके क7 जा सकती है । रा234य आय क7 गणना के
$लए कोई "मI ु ाJफ7!त ;व=ध" नह4ं है ।

Answer: (d) Inflation method / मI

ु ाJफ7!त ;व=ध
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-2
English: What does the term "Net factor income from abroad"
refer to?
Hindi: ";वदे श\ से ]ा^त श_ु ध कारक आय" श`द का aया अथG
है ?
(a) The total income earned by a country's citizens. / 8कसी दे श के नागpरक?
Jवारा अिजMत कुल आय।
(b) The total income earned within a country's borders. / 8कसी दे श क@
सीमाओं के भीतर अिजMत कुल आय।
(c) The difference between income earned by residents from overseas
investments and income earned by foreigners within the country. / kवदे श? म5
Vनवेश से VनवाEसय? Jवारा अिजMत आय और दे श के भीतर kवदे Eशय? Jवारा
अिजMत आय के बीच का अंतर।
(d) The total value of exports minus the total value of imports. / VनयाMत के
कुल मW ू य घटा आयात के कुल मW ू य।
(e) The total amount of taxes collected by the government. / सरकार Jवारा
एकi 8कए गए कर? क@ कुल राEश।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-2
•English: Net factor income from abroad represents the difference between
the income earned by a country's residents from their investments abroad and
the income earned by foreigners from their investments 1 within that
country.

• Hindi: kवदे श? से Zाrत शJ

ु ध कारक आय उस आय के बीच के अंतर का
ZVतVनmध0व करती है जो 8कसी दे श के VनवाEसय? ने kवदे श? म5 अपने Vनवेश
से अिजMत क@ है और उस आय से जो kवदे Eशय? ने उस दे श के भीतर अपने
Vनवेश से अिजMत क@ है ।

Answer: (c) The difference between income earned by residents from

overseas investments and income earned by foreigners within the country. /
kवदे श? म5 Vनवेश से VनवाEसय? Jवारा अिजMत आय और दे श के भीतर
kवदे Eशय? Jवारा अिजMत आय के बीच का अंतर।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-3
English: Which of the following would be included in the
calculation of India's GDP?
Hindi: "न$न%ल'खत म, से कौन भारत के GDP क4 गणना म, शा%मल
होगा?
(a) A car produced in India by a Japanese company. / एक जापानी कंपनी Jवारा
भारत म5 उ0पाFदत एक कार।
(b) A salary earned by an Indian citizen working in the United States. / संयX
ु त
राsय अमेpरका म5 काम करने वाले एक भारतीय नागpरक Jवारा अिजMत वेतन।
(c) Profits earned by an American company from its subsidiary in India. / भारत म5
अपनी सहायक कंपनी से एक अमेpरक@ कंपनी Jवारा अिजMत लाभ।
(d) Dividends earned by an Indian citizen from shares in a foreign company. / एक
kवदे शी कंपनी म5 शेयर? से एक भारतीय नागpरक Jवारा अिजMत लाभांश।
(e) Rent paid by an Indian citizen for an apartment in London. / लंदन म5 एक
अपाटM म5ट के Eलए एक भारतीय नागpरक Jवारा भग ु तान 8कया गया 8कराया।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-3
Explanation:
•English: GDP includes the value of goods and services produced within a
country's borders, regardless of the nationality of the producer. Therefore, a car
produced in India by a Japanese company would be included in India's GDP.

•Hindi: GDP म5 8कसी दे श क@ सीमाओं के भीतर उ0पाFदत व$तओ ु ं और सेवाओं

का मWू य शाEमल होता है , चाहे उ0पादक क@ राRtcयता कुछ भी हो। इसEलए, एक
जापानी कंपनी Jवारा भारत म5 उ0पाFदत एक कार को भारत के GDP म5 शाEमल
8कया जाएगा।

Answer: (a) A car produced in India by a Japanese company. / एक जापानी कंपनी

Jवारा भारत म5 उ0पाFदत एक कार।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-4
English: What is the relationship between GDP and NDP?
Hindi: GDP और NDP के बीच ?या संबंध है ?
(a) NDP = GDP + Depreciation / NDP = GDP + मF ू यdास
(b) GDP = NDP + Depreciation / GDP = NDP + मF ू यdास
(c) NDP = GDP - Net factor income from abroad / NDP = GDP -
;वदे श\ से ]ा^त श_ ु ध कारक आय
(d) GDP = NDP - Net factor income from abroad / GDP = NDP -
;वदे श\ से ]ा^त श_ ु ध कारक आय
(e) There is no relationship between GDP and NDP. / GDP और NDP
के बीच कोई संबंध नह4ं है ।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-4
Explanation:
•English: NDP (Net Domestic Product) is calculated by subtracting
depreciation from GDP (Gross Domestic Product).
•Hindi: NDP (श_ ु ध घरे लू उMपाद) क7 गणना GDP (सकल घरे लू
उMपाद) से मF ू यdास घटाकर क7 जाती है ।
Answer: (b) GDP = NDP + Depreciation / GDP = NDP + मF ू यdास
USE AATO
TOZ
CODE Y856
–ZSeries
Series| for
Foundation
Bank Exams
| Foundation & J856
| National Income|
| National By––Vivek
For By
Income|JAIIB & CAIIB
Singh Exams
Vivek Singh

Question No-5
English: Which of the following is a limitation of using per capita
income as a measure of economic well-being?
Hindi: आEथGक कHयाण के माप के Jप म, K"त Lयि?त आय का
उपयोग करने क4 "न$न%ल'खत म, से कौन सी सीमा है ?
(a) It does not account for income inequality. / यह आय असमानता
के $लए िज#मेदार नह4ं है ।
(b) It does not account for environmental degradation. / यह
पयाGवरणीय iरण के $लए िज#मेदार नह4ं है ।
(c) It does not account for non-market activities. / यह गैर-बाजार
ग!त;व=धय\ के $लए िज#मेदार नह4ं है ।
(d) All of the above. / उपरोaत सभी।
(e) None of the above. / उपरोaत म* से कोई नह4ं।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-5
Explanation:
•English: Per capita income, while useful, has limitations. It doesn't
show income distribution (inequality), environmental costs of
economic activity, or the value of non-market activities like
housework.
•Hindi: ]!त Dयिaत आय, उपयोगी होते हुए भी, सीमाएँ हl। यह
आय ;वतरण (असमानता), आ=थGक ग!त;व=ध क7 पयाGवरणीय लागत,
या घर के काम जैसी गैर-बाजार ग!त;व=धय\ के मF ू य को नह4ं
दशाGता है ।
Answer: (d) All of the above. / उपरोaत सभी।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-6
English: Which of the following is NOT a component of GDP
calculated using the income approach?
Hindi: आय OिPटकोण का उपयोग करके गणना क4 गई GDP का
"न$न%ल'खत म, से कौन सा घटक नहTं है ?
(a) Wages and salaries / वेतन और मजदरू 4
(b) Rent / mकराया
(c) Interest / `याज
(d) Profits / लाभ
(e) Exports / !नयाGत
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-6
Explanation:
•English: The income approach to calculating GDP includes wages
and salaries, rent, interest, and profits. Exports are a component of
GDP calculated using the expenditure approach.
•Hindi: GDP क7 गणना के $लए आय nि2टकोण म* वेतन और
मजदरू 4, mकराया, `याज और लाभ शा$मल हl। !नयाGत Dयय nि2टकोण
का उपयोग करके गणना क7 गई GDP का एक घटक है ।

Answer: (e) Exports / !नयाGत

USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-7
English: What is the purpose of calculating real GDP?
Hindi: वाVतWवक GDP क4 गणना करने का उXदे Zय ?या है ?
(a) To measure the total value of goods and services produced in a
country. / mकसी दे श म* उMपाoदत वJतओ ु ं और सेवाओं के कुल मF ू य
को मापने के $लए।
(b) To compare economic output across different countries. / ;व$भqन
दे श\ म* आ=थGक उMपादन क7 तल ु ना करने के $लए।
(c) To track changes in the price level over time. / समय के साथ
मF ू य Jतर म* पrरवतGन को 3ै क करने के $लए।
(d) To measure economic growth over time, while accounting for
inflation. / मI
ु ाJफ7!त के $लए लेखांकन करते हुए, समय के साथ
आ=थGक ;वकास को मापने के $लए।
(e) To measure the distribution of income in a country. / mकसी दे श म*
आय के ;वतरण को मापने के $लए।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-7
Explanation:
•English: Real GDP is adjusted for inflation, allowing for a more
accurate comparison of economic output over time and a better
measure of economic growth.

•Hindi: वाJत;वक GDP को मI ु ाJफ7!त के $लए समायोिजत mकया

जाता है , िजससे समय के साथ आ=थGक उMपादन क7 अ=धक सट4क
तल
ु ना और आ=थGक ;वकास का बेहतर माप $मलता है ।

Answer: (d) To measure economic growth over time, while

accounting for inflation. / मI
ु ाJफ7!त के $लए लेखांकन करते हुए,
समय के साथ आ=थGक ;वकास को मापने के $लए।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-8
English: If a country's GDP is higher than its GNP, it indicates
that:
Hindi: य[द \कसी दे श का GDP उसके GNP से अEधक है , तो यह
इंEगत करता है \क:
(a) The country has a high level of foreign investment. / दे श म5 kवदे शी Vनवेश का
उvच $तर है ।
(b) The country has a trade surplus. / दे श म5 Iयापार अmधशेष है ।
(c) Foreigners earn more income within the country than the country's residents
earn from investments abroad. / दे श के भीतर kवदे शी VनवाEसय? क@ तल ु ना म5
अmधक आय अिजMत करते हP जो kवदे श? म5 Vनवेश से अिजMत करते हP।
(d) The country's residents earn more income from investments abroad than
foreigners earn within the country. / दे श के Vनवासी kवदे श? म5 Vनवेश से अmधक
आय अिजMत करते हP जो दे श के भीतर kवदे शी कमाते हP।
(e) The country has a high level of government spending. / दे श म5 सरकारc खचM का
उvच $तर है ।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-8
Explanation:
•English: If GDP is higher than GNP, it means that more value is being generated
within the country's borders than by its residents, including those overseas. This
often implies higher foreign investment within the country.

•Hindi: यFद GDP, GNP से अmधक है , तो इसका मतलब है 8क दे श क@ सीमाओं के

भीतर उसके VनवाEसय?, िजनम5 kवदे शी भी शाEमल हP, क@ तल
ु ना म5 अmधक मW ू य
उ0पxन हो रहा है । इसका अथM अXसर दे श के भीतर उvच kवदे शी Vनवेश होता है ।

Answer: (c) Foreigners earn more income within the country than the country's
residents earn from investments abroad. / दे श के भीतर kवदे शी VनवाEसय? क@ तल
ु ना
म5 अmधक आय अिजMत करते हP जो kवदे श? म5 Vनवेश से अिजMत करते हP।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-9
English: NNP (Net National Product) is calculated as:
Hindi: NNP (श#ु ध रा()*य उ-पाद) क2 गणना इस 8कार
क2 जाती है :
(a) GNP - Depreciation / GNP - मF
ू यdास
(b) GDP - Depreciation / GDP - मFू यdास
(c) GNP + Net factor income from abroad / GNP + ;वदे श\ से ]ा^त
श_ु ध कारक आय
(d) GDP + Net factor income from abroad / GDP + ;वदे श\ से ]ा^त
श_ ु ध कारक आय
(e) None of the above / उपरोaत म* से कोई नह4ं।
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-10
English: Which of the following is an example of a transfer
payment that is NOT included in the calculation of National
Income?
Hindi: "न$न%ल'खत म, से कौन सा हVतांतरण भग ु तान का एक
उदाहरण है जो राPdTय आय क4 गणना म, शा%मल नहTं है ?
(a) Salaries paid to government employees / सरकार4 कमGचाrरय\ को
oदया गया वेतन
(b) Old-age pensions / व_ ृ धावJथा प* शन
(c) Profits earned by a company / एक कंपनी _वारा अिजGत लाभ
(d) Rent paid for a factory building / एक कारखाने क7 इमारत के
$लए भग ु तान mकया गया mकराया
(e) Interest earned on a bank deposit / बlक जमा पर अिजGत `याज
USE A
CODE –Y856
TO Z Series | for
Foundation & J856
| National
Bank Exams Income|
For By – Vivek
JAIIB & CAIIB
Singh Exams

Question No-10
Explanation:
•English: Transfer payments are payments made by the government
to individuals for which no good or service is received in return. Old-
age pensions are an example of a transfer payment. These are not
included in National Income as they do not represent any production
of goods or services.
•Hindi: हJतांतरण भग ु तान सरकार _वारा Dयिaतय\ को mकए गए
भग ु तान होते हl िजसके बदले म* कोई वJतु या सेवा ]ा^त नह4ं होती
है । व_ृ धावJथा प* शन हJतांतरण भग ु तान का एक उदाहरण है । ये
रा234य आय म* शा$मल नह4ं हl aय\mक ये वJतओ ु ं या सेवाओं के
mकसी भी उMपादन का ]!त!न=धMव नह4ं करते हl।

Answer: (b) Old-age pensions / व_

ृ धावJथा प* शन