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HedgingहेजिङHedging is taking an offsetting position, usually through a derivative or matching transaction, to reduce the risk of adverse price, rate or exchange rate movements.Forex & Trade FinanceHigh-powered Money (Reserve Money)RMउच्चशक्ति मुद्रा (सञ्चित मुद्रा)The money directly created by the central bank: currency in circulation plus the deposits of banks and others with the central bank. It is the base on which banks create broad money.Monetary Policy & NRBHigh-quality Liquid AssetsHQLAउच्च गुणस्तरका तरल सम्पत्तिUnencumbered assets that can be converted into cash quickly in private markets with little or no loss of value, held to meet liquidity needs during stress. They form the numerator of the Liquidity Coverage Ratio.LiquidityHire Purchase Loanहायरपर्चेज कर्जाA hire purchase loan finances the purchase of an asset such as a vehicle or machinery, which the buyer uses while paying instalments; ownership passes fully only after the last instalment.Loans & CreditHolder in Due CourseHDCरीतपूर्वकको धारकA holder who obtained a negotiable instrument for value, in good faith, and before its date of payment, without sufficient reason to believe the transferor's title was defective (NI Act, 2034, Section 2(ण)).Cheques & InstrumentsHome Loanआवासीय घर कर्जाA home loan is a loan to an individual to build or buy a house or apartment for own use or for renting out, repaid in instalments from the borrower's income.Loans & CreditHundiहुन्डीHundi (hawala) is an informal system of transferring money through a network of brokers who settle balances among themselves, without money physically moving through the formal banking system.Forex & Trade FinanceHypothecationदृष्टिबन्धक (हाइपोथिकेसन)Hypothecation is a charge on movable assets such as stock, receivables or vehicles given as security, where the borrower keeps both ownership and possession of the goods.Loans & Credit