Course on

Computer Concepts
Based on
Latest syllabus of DOEACC(NIELIT)
&
Revised as per new guideline issued by
NIELIT for CCC examination from January
2016, with new chapter and MCQ of
Application of Digital Financial Services.

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 Table of Content Page
No.
As Per Latest NIELIT Syllabus
1 INTRODUCTION TO COMPUTER……………………………………………………………………………… 1
1.0 Introduction……………………………………………..……………………………………………........…… 1
1.1 Objectives………………………………………………………………………………………………………… 1
1.2 What is Computer? …………………………………………………………………………………......…… 2
1.2.1 History of Computers………………………………………………………………………....…… 2
1.2.2 Characteristics Of Computer System………………………………………………………… 3
1.2.3 Basic Applications of Computer………………………………………………………….…… 4
1.3 Components of Computer System………………………………………………………………….…… 5
1.3.1 Central Processing Unit………………………………………………………………….......…… 7
1.3.2 Keyboard, mouse and VDU……………………………………………………………………… 8
1.3.3 Other Input devices………………………………………………………………………………… 9
1.3.4 Other Output devices……………………………………………………………………………… 10
1.3.5 Computer Memory…………………………………………………………………………….…… 12
1.4 Concept of Hardware and Software……………………………………………………………….…… 15
1.4.1 Hardware………………………………………………………………………………………….…… 15
1.4.2 Software………………………………………………………………………………………………… 16
1.4.2.1 Application Software………………………………………………………………..…… 16
1.4.2.2 Systems software…………………………………………………………………….……. 16
1.4.3 Programming Languages………………………………………………………………………… 16
1.5 Representation of Data/Information……………………………………………………………..…… 17
1.6 Concept of Data processing…………………………………………………………………………...…… 21
1.7 Applications of IECT……………………………………………………………………………………..…… 21
1.7.1 e-governance…………………………………………………………………………………….…… 21
1.7.2 Multimedia and Entertainment…………………………………………………………..…… 22
2 INTRODUCTION TO GUI BASED OPERATING SYSTEM……………………………………………. 23
2.0 Introduction& Objective……….…………………………………………………………………………… 23
2.2 Basics of Operating System…………………………………………………………………………....…… 23
2.2.1 Operating system……………………………………………………………………………….…… 23
2.2.2 Basics of popular operating system (LINUX, WINDOWS)……………………..… 24
2.3 The User Interface……………………………………………………………………………………………… 26
2.3.1 Task Bar…………………………………………………………………………………………….…… 27
2.3.2 Icons………………………………………………………………………………………………….…… 27
2.3.3 Start Menu………………………………………………………………………………………....…… 28
2.3.4 Running an Application……………………………………………………………………....…… 29
2.4 Operating System Simple Setting………………………………………………………………………… 30
2.4.1 Changing System Date And Time……………………………………………………………… 30
2.4.2 Changing Display Properties……………………………………………………………….…… 31
2.4.3 To Add Or Remove A Windows Component………………………………………...…… 31
2.4.4 Changing Mouse Properties………………………………………………………………...…… 32
2.4.5 Adding and removing Printers…………………………………………………………….…… 33
2.5 File and Directory Management……………………………………………………………………..…… 34
2.6 Types of files……………………………………………………………………………………………………… 36
3 ELEMENTS OF WORD PROCESSING……………………………..……………………………………..………… 41
3.0 Introduction………………………………………………………………………………………………….…… 41
3.1 Objectives……………………………………………………………………………………………………..…… 41
3.2 Word Processing Basics……………………………………………………………………………………… 41
3.2.1 Opening Word Processing Package……………………………………………………..…… 42
3.2.2 Menu Bar…………………………………………………………………………………………...…… 43
3.2.3 Using The Help…………………………………………………………………………………...…… 47
3.2.4 Using The Icons Below Menu Bar………………………………………………………..…… 47
3.3 Opening and closing Documents…………………………………………………………………….…… 48
3.3.1 Opening Documents…………………………………………………………………………..…… 48
3.3.2 Save and Save as………………………………………………………………………………...…… 49
3.3.3 Page Setup………………………………………………………………………………………....…… 50
3.3.4 Print Preview…………………………………………………………………………………….…… 51
Elements of Word Processing T Balaji 3
3.3.5 Printing of Documents……………………………………………………………………….…… 52
3.4 Text Creation and manipulation……………………………………………………………………..…… 53
3.4.1 Document Creation…………………………………………………………………………….…… 53
3.4.2 Editing Text………………………………………………………………………………………..…… 53
3.4.3 Text Selection…………………………………………………………………………………….…… 53
3.4.4 Cut, Copy and Paste………………………………………………………………………………… 54
3.4.5 Font and Size selection……………………………………………………………………….…… 54
3.4.6 Alignment of Text……………………………………………………………………………….…… 55
3.5 Formatting the Text……………………………………………………………………………………....…… 56
3.5.1 Paragraph Indenting…………………………………………………………………………..…… 56
3.5.2 Bullets and Numbering……………………………………………………………………….…… 56
3.5.3 Changing case…………………………………………………………………………………….…… 57
3.6 Table Manipulation………………………………………………………………………………………..…… 57
3.6.1 Draw Table………………………………………………………………………………………...…… 57
3.6.2 Changing cell width and height…………………………………………………………..…… 58
3.6.3 Alignment of Text in cell……………………………………………………………………..…… 59
3.6.4 Delete / Insertion of row and column……………………………………………………… 59
3.6.5 Border and shading………………………………………………………………………………… 61
4 SPREAD SHEET…………………………………………………………………………………………………………. 63
4.0 Introduction………………………………………………………………………………………………….…… 63
4.1 Objectives…………………………………………………………………………………………………….…… 63
4.2 Elements of Electronic Spread Sheet…………………………………………………………………… 63
4.2.1 Opening of Spread Sheet…………………………………………………………………….…… 66
4.2.2 Addressing of Cells…………………………………………………………………………….…… 67
4.2.3 Printing of Spread Sheet…………………………………………………………………….…… 68
4.2.4 Saving Workbooks……………………………………………………………………………..…… 69
4.3 Manipulation of Cells…………………………………………………………………………………….…… 70
4.3.1 Entering Text, Numbers and Dates……………………………………………………..…… 70
4.3.2 Creating Text, Number and Date Series…………………………………………………… 71
4.3.3 Editing Worksheet Data……………………………………………………………………..…… 72
4.3.4 Inserting and Deleting Rows, Column……………………………………………………… 76
4.3.5 Changing Cell Height and Width……………………………………………………………… 77
4.4 Function and Charts…………………………………………………………………………………………… 78
4.4.1 Using Formulas………………………………………………………………………………….…… 78
4.4.2 Function………………………………………………………………………………………………… 78
4.4.3 Charts……………………………………………………………………………………………….…… 81
5 INTRODUCTIN OF INTERNET, WWW AND WEB BROWERS………………………………………… 83
5.0 Introduction……………………………………………………………………………………………………… 83
5.1 Objectives…………………………………………………………………………………………………….…… 83
5.2 Basics of Computer Networks……………………………………………………………………….…… 83
5.2.1 Local Area Network (LAN) ………………………………………………………………...…… 85
5.2.2 Wide Area Network (WAN) ……………………………………………………………….…… 85
5.3 Internet………………………………………………………………………………………………………..…… 88
5.3.1 Concept of Internet………………………………………………………………………………… 89
5.3.2 Basics of Internet Architecture…………………………………………………………...…… 89
5.4 Services on Internet……………………………………………………………………………………...…… 91
5.4.1 World Wide Web and Websites…………………………………………………………..…… 91
5.4.2 Communication on Internet……………………………………………………………….…… 92
5.4.3 Internet Services………………………………………………………………………………..…… 93
5.5 Preparing Computer for Internet Access………………………………………………………..…… 94
5.5.1 ISPs and examples (Broadband/Dialup/WiFi) ………………………………………… 94
5.5.2 Internet Access Techniques………………………………………………………..…………… 96
5.6 Web Browsing Software ……………………..…………………………………..………………………… 97
5.6.1 Popular Web Browsing Software ……………………..…………………………………..…………… 98
5.7 Configuring Web Browser ……………………..…………………………………..…………………… 101
5.8 Search Engines ……………………..…………………………………..…………………………………..… 105
5.8.1 Popular Search Engines ………………………………………………………..………………………… 106
 5.8.2 Accessing Web Browser ……………………..…………………………………..………………………. 107
5.8.3 Using Favorites Folder ……………………..…………………………………..………………………… 107
5.8.4 Downloading Web Pages ……………………..…………………………………..……………………… 108
6 COMMUNICATION AND COLLABORATION……………………………………………………………… 110
6.0 Introduction……………………..…………………………………..…………………………………..…… 110
6.1 Objectives ……………………..…………………………………..…………………………………..……… 110
6.2 Basics of E-mail ……………………..…………………………………..………………………………….. 110
6.2.1 What is an Electronic Mail? ……………………..…………………………………..…………………… 110
6.2.2 Email Addressing……………………..…………………………………..…………………………………. 111
6.2.3 Configuring Email client……………………..…………………………………..……………………… 111
6.3 Using E-mails……………………..…………………………………..…………………………………..… 112
6.3.1 Opening Email Client……………………..…………………………………..…………………………… 112
6.3.2 Mailbox……………………..…………………………………..…………………………………..…………… 112
6.3.3 Creating and sending a new E-mail ……………………..…………………………………..………… 114
6.3.4 Replying to an E-mail message……………………..…………………………………..……………… 116
6.3.5 Forwarding an E-mail message ……………………..…………………………………..……………… 117
6.3.6 Sorting and Searching emails ……………………..…………………………………..………………… 117
6.4 Advance email features ……………………..…………………………………..………………………… 118
6.4.1 Sending document by E-mail ……………………..…………………………………..………………… 118
6.4.2 Activating Spell checking ……………………..…………………………………..……………………… 119
6.4.3 Using Address book ……………………..…………………………………..……………………………… 119
6.4.4 Sending Softcopy as attachment ……………………..…………………………………..…………… 120
6.4.5 Handling SPAM ……………………..…………………………………..………………………………….. 121
6.5 Instant Messaging and Collaboration ……………………..…………………………………..…… 121
6.5.1 Using Smiley ……………………..…………………………………..…………………………………..…… 121
6.5.2 Internet etiquettes ……………………..…………………………………..…………………………………. 122
DOs ……………………..…………………………………..…………………………………..………………………… 123
7 APPLICATION OF PRESENTATIONS…………………………………………………………………………… 124
7.0 Introduction ……………………..…………………………………..…………………………………..…… 124
7.1 Objective ……………………..…………………………………..…………………………………..………… 124
7.2 Basics of Microsoft PowerPoint ……………………..…………………………………..……………… 124
7.2.1 Using PowerPoint ……………………..…………………………………..…………………………………. 125
7.2.2 Opening a PowerPoint Presentation ……………………..…………………………………..………… 125
7.2.3 Saving a Presentation ……………………..…………………………………..…………………………… 127
7.3 Creation of Presentation ……………………..…………………………………..………………………… 128
7.3.1 Creating a Presentation using a Template ……………………..…………………………………..… 128
7.3.2 Creating a Blank Presentation ……………………..…………………………………..………………… 128
7.3.3 Entering & Editing text ……………………..…………………………………..………………………… 129
7.3.4 Inserting & Deleting Slides ……………………..…………………………………..…………………… 129
7.4 Preparation of Slides……………………..…………………………………..…………………………… 130
7.4.1 Inserting Word table or Excel Worksheet……………………..…………………………………..… 130
7.4.2 Adding Clip Art pictures……………………..…………………………………..……………………… 131
7.4.3 Inserting Other Objects……………………..…………………………………..………………………… 131
7.4.4 Resizing & Scaling an Object……………………..…………………………………..………………… 132
7.5 Providing Aesthetics……………………..…………………………………..…………………………….. 133
7.5.1 Enhancing Text Presentation……………………..…………………………………..………………….. 133
7.5.2 Working with Color & Line Style……………………..…………………………………..…………… 134
7.5.3 Adding Movies & Sounds……………………..…………………………………..……………………… 135
7.5.4 Adding Headers & Footers……………………..…………………………………..…………………… 136
7.6 Presentation of Slides……………………..…………………………………..…………………………… 137
7.6.1 Viewing a Presentation……………………..…………………………………..………………………… 137
7.6.2 Choosing a Set up of Presentation……………………..…………………………………..…………… 137
7.6.3 Printing Slides & Handouts……………………..…………………………………..…………………… 138
7.7 Slides……………………..…………………………………..…………………………………..……………… 138
7.7.1 Running a Slide Show……………………..…………………………………..…………………………… 138
7.7.2 Transition & Slide Timings……………………..…………………………………..…………………… 139
7.7.3 Automating a Slide Show……………………..…………………………………..……………………… 140
8 APPLICATION OF DIGITAL FINANCIAL SERVICES…………………………………... 141
8.0 Introduction……………………………………..………………………………………. 141
Elements of Word Processing T Balaji 5
8.1 Objectives ………………………………………………...……………………………. 141
8.2 Why Savings are needed? …………………...…………………………………………. 142
8.2.1 Emergencies ………………………………………………………...………………... 142
8.2.2 Future Needs………………………….…………………………………...……..…… 142
8.2.3 Large expenses………………………….…………………………………...……….. 142
8.3 Drawbacks of keeping Cash at home CCC…………………...………………………………. 142
8.4 Why Bank Is Needed…………………………………...……………………...…………………… 143
8.5 Banking Products…………………………………...……………………...……………………… 144
8.6 Documents For Opening Accounts……………………………...……………………………… 148
8.7 Banking Service Delivery Channels……………………………...…………………………….. 150
8.8 Banking Service Delivery Channels………………………………..…………………………… 151
8.9 Insurance…………………………………...…………………………………...………………...... 152
8.10 Various Chemes……..……………………………………………………………………………………………………….. 153
8.11 Bank On Your Mobile……………………………………………………………………………………………………………… 155
9 Keyboard Shortcuts, Abbreviations & Terminologies…….……………………………….. 157
10 Multiple Choice Questions & Practice set (English)……....…………………………………….. 167
Multiple Choice Questions & Practice set (Hindi/English)…..……..………………………. 188

CCC New Syllabus, Examination Schedule and Online Examination

The course is designed to equip a person to use computers for professional as well as day to day use. It
provides theoretical background as well as in depth knowledge of Software/ packages. After completing the
course the incumbent will be digitally literate and will be able to acquire confidence in using computer
techniques available to users.
Topics Theory Practical Tutorials
Introduction to computer 2 hours 4 hours 1 hours
Introduction to GUI Based Operating System 3 hours 8 hours --
Elements of Word Processing 3.5 hours 9 hours 2 hours
Spreadsheets 3.5 hours 10 hours 2 hours
Introduction to Internet, WWW and web browsers 6 hours 8 hours --
Communication and Collaboration 2 hours 2 hours --
Application of presentations 4 hours 8 hours --
Application of Digital Financial Services 1 hours 1 hours --
Total 25 hours 50 hours 5 hours
Online Examination
NIELIT conduct online examination for CCC Exam. The details of Online Examination and steps to
be followed at Examination center is given below: The duration of Examination is 90 minutes and
you have to solve 50 objective types and 50 true false questions of one mark each. No negative
marking for wrong answer. From July 2014 NIELIT introduce CCC question paper in Hindi language.
 Introduction to
Computers

1.0 Introduction to Computer

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dSydqysfVax fMokbl ekuk tkrk gS tks ,sfjFkesfVd vkSj ykWftdy vkijs'kUl dks rsth ds lkFk dj ldrk gS ijUrq vkt
bldh ifjHkk’kk gh cny x;h gS D;ksafd vc dEI;wVj dk mi;ksx flQZ x.kuk rd lhfer ugh gS] vkt bldk mi;ksx
E;qftd] xzkfQDl] baVjusV vkkfn dbZ vU; {ks= es Hkh gks jgk gSA vr% vc dg ldrs gS fd ;g ,d bysDVªkfud fMokbl
gS tks MkVk dks ,DlsIV djrk gS] vkSj ,d foLr`r LVsi&ckbZ&LVsi izkslfs alx
a ds ckn mls bUQkeZs’ku es cnyrk gS vkSj
vkmViqV fjtYV izLrqr djrk gSA ;g MkVk dks ,DlsIV] LVksj vkSj mUgsa eSuhiqysV djrk gSA
1.1. Objective : In this chapter we will discuss about history of computer, Generation of
computer, Input/output devices, storage devices, hardware and software, languages, basic
operations, Multimedia and Entertainment.
1.2 What is computer? : Computer is an electronic device which is capable of receiving data and
performing a sequence of operations in accordance with a predetermined but variable set of
procedural instructions (program) to produce a result in the form of information or signals.
daI;wVj ,d bysDVªfud fMokbl gS tks fdlh fo"k;&oLrq ds ckjs esa MkVk dks crkSj buiqV ysrk gS vkSj ml ij t#jh
vijs'ku dj ,d fu;r vkmViqV çnku djrk gS A
Types of Computer: Computer has been categorized in the following parts likewise…
Analog Computer
Digital Computer
Hybrid Computer
Analog Computer: Analog Computers are used mostly in Medical Sciences. This very kind of
computers work on continuous data values, for e.g. if you have to calculate the pressure or something
similar then kind of technology having will be useful.
,ukykWx dEI;wVj esa MkVk] Vªkalfe’ku ,d lh/kh js[kk esa gksrk gS ftls ,ukykWxl Vªkalfe’ku dgrs gSaA tSls&rkieku] ikjs]
nkc ,oa vU; HkkSfrd izd`fr dh lwpuk;sa bR;kfnA
Digital Computer: Digital Computers are the most commonly used computer on a digital
technique which is widely used and preferred now-a-days. This kind of computers uses micro
processor technology which is quite digital and able to calculate and execute million of instruction
within a second. This also comes under kind of categories as we can see downwards…
fMftVy dEI;wVl oks dEI;wVj gksrs gSa tks fMfTkVy rduhd dk vuqlj.k djrs gSaA buesa ekbØks izksll s j iz;ksx fd;k
tkrk gS tks ,d lsds.M esa djksM+ks funs’Z kksa dks fØ;kfUor dj ldrk gSA ;g ckbujh oSY;w 0] 1 ds vk/kkkj ij dk;Z djrk
gS] 0 gks QkYl ¼xyr½ vkSj 1 gks Vªw¼lgh½ flXuy isfz "kr gksrk gS] ;s flXuy fMLØhV gksrs gSaA bUgs Hkh pkj Jsf.k;ksa esa ck¡Vk
x;k gS tks fUkEufyf[kr gSaA
 Micro Computer: The processor is very small so that called Micro processor and device is called
Micro Computer. Micro Computer is single user device example: Desktop, Laptop, Palmtop,
Notebook, PDA etc.
;g lokZf/kd NksVk dEI;wVj gksrk gS ftlesa ,,y;w vkSj lhih;w ,d gh fpi esa yxs gksrs gSaA
 Mini Computer: The processor of Mini Computer is small but larger than Micro processor.
MiniComputer is multi user device generally used in designing company for commercial use.
Elements of Word Processing T Balaji 7
;s ekbdzks dEI;wVj ls vf/kd {kerkoku gksrs gSa vkSj ,d le; esa dbZ iz;ksDrkvksa ds mi;ksx esa vk ldrs gSaA ;s MkVk
dks vf/kd rsth ls lalkf/kr dj ldrs gSaA
 Mainframe: It has larger processor and multiuser device. Number of users is more than
MiniComputer. This is multiuser and multitasking device mostly used in Metrology.
;s vfr mPp Hk.Mkj.k {kerk okys cgqr cM+s vkdkj ds dEI;wVj gksrs gSaA ;s MkVk dh cM+h ek=k dks rsth ls lalkf/kr
dj ldrs gSa] budk mi;ksx cSadks]a cM+h dEifu;ksa ,oa ljdkjh foHkkxksa esa gksrk gSA
 Super Computer: The processor is biggest than other Computer and processing capacity is
highest than other devices. It is Multi user fastest calculating device, generally used in nuclear
science for calculation purpose. CRAY-I is the first Super Computer. India’s First Super Computer
is PARAM-10000.
;g dEI;wVj rst xfr ,oa vR;f/kd laxzg {kerk okys gksrs gSaA budk vkdkj dkQh cM+k gksrk gSA igyk lqij
dEI;wVj Øs&1 o’kZ 1976 esa Øs fjlpZ dEiuh }kjk fodflr fd;k x;k FkkA Hkkjr dk igyklqij dEI;wVj ije&10000
gSA
Hybrid Computer : The kind of computer comes with both characteristics (digital and analog) are
called hybrid. This is used there where it needs to calculate both the digital and analog data for e.g. In
Hospitals.
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lcls vf/kd iz;ksx fpfdRlk ds {ks= esa fd;k tkrk gSA tSls&bZ0lh0th0 e’khuA
1.2.1 History of Computers: History of Computer can be considered from arise of human culture
as person known the calculation, they used to some thing for this purpose like, pebbles, stone etc. but
as a device Roman’s abacus is first device used in B.C for calculation. In A.D. various mechanical
devices were invented for the calculation like Pascaline by Blaise Pascal, Joseph Jacquard invented
loom that is 'programmed” using punched cards, Charles Babbage invented two machines Analytical
engine and Difference engine and Hollerith’s Census Machines (Tabulating machine). Atanasoff-Berry
Computer (ABC) is a fully digital electronic device used for linear equation. Howard Aiken (IBM) had
designed Mark I, the first operational general-purpose electro-mechanical Computer. John Mauchley
and Presper Eckert make the Electronic Numerical Integrator and Calculator (ENIAC) First general
purpose, digital electronic Computer used to compute a ballistic firing. Universal Automatic
Computer (UNIVAC I), was the first commercially successful Computer. Two Era arises Mechanical
Era (Before 1945) having mechanical devices and the Electronic Era (From 1945) having electronic
processing technology. Electronic Era is divided into Four generations.
dEI;wVlZ dk bfrgkl igys x.kuk ds fy, iz;ksx yk;h tkus okyh fMokblksa esa esdSfudy fMokblsa Fkh] vcSdl dks igyk
dEI;wVj dgk tkrk gSA ckn es ikLdy] ykWjl sa ] tSdc] ,VkWlkWQcsjh vkfn us dbZ fMokbls cuk;h ijUrq fdlh Hkh fMokbl es
eseksjh u Fkh rRi’pkr~ l=goha 'krkCnh esa pkYlZ cSost us ,ukfyfVdy vkSj fMQjsal e'khu dk vkfo"dkj fd;k ftles
eseksjh MkyhA mDr e’khu ds vkfo"dkj ls gh vk/kqfud ;qx dh 'kq#vkr gqbZ ckn esa vkt dh lHkh dEI;wVj esas eseksjh lcls
cM+h fo"ks’krk gSA blh ds dkj.k pkYlZ cSost dks dEI;wVj dk firkeg dgk tkrk gSA ENIAC izFke bysDVªkfud dEI;wVj
gSA ;gh ls bysDVªkfud dEI;wVlZ dk ;qx 'kq# gks x;kA
Generation of Computer : Computers are divided in these forms of generation. Here the generations
have been described time wise as well as technologies used.
 First Generation¼1945-1954½-In this very first generation of computers, it had been used Vacuum
tube technology which make a computer possible to do calculations.
 Introduction to GUI
based Operating System

2.0 Introduction: In the previous chapter we learnt about basics of computer. In this chapter we will
discuss about user friendly features of Windows Operating System and Linux. Microsoft has
produced a number of Operating Systems. Windows 95/98/ME, Windows NT, Windows XP,
Windows Vista, Windows 7, Windows 8 are some of them. The Operating System which we have
selected as reference is Windows XP and Windows 7.
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lkWQVos;j izksxkz e }kjk dEI;wVj gkMZos;j ds mi;ksx djus ds <ax ,oa ;wtlZ }kjk dEI;wVj dks daVªksy djus ds rjhds dks
fu;af=r djrk gSA
2.1 Objective: In this chapter we will discuss about Introduction, Objectives, Basics of Operating
System, The User Interface, Task Bar, Icons, Start Menu, Running an Application, Operating System
Simple Setting, Changing Mouse Properties Adding and removing Printers, File and Directory
Management.
2.2 Basics of Operating system: Basics of operating system are subject matter of letting know the
pros and cons of an operating system. Here with we will discuss some of the oprating systems like
Windows and Linux.
2.2.1 Operating System: An operating system plays an important role in the use of Computer. It
prepares a bare Machine usable for the user. In other
words an operating system works as an interface between
Computer and user. The operating system enables the user
to use the system resources and access several other
programs effectively. Windows operating system offer
icons, Graphics based interface to the users and they can
use mouse to perform a number of operations.
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ds fy, flLVe lkW¶Vos;j vFkkZr ,d Mªkboj dk dk;Z djrk gSA lkFk
gh ,Iyhds'ku lkW¶Vos;j ds fy, IysVQkEkZ iznku djrk gSA ftl ij
,Iyhds'ku lkW¶Vos;j pyrk gSA tks Hkh u;s ,Iyhds'ku lkW¶Vos;j ;k
Mªkboj bULVky fd;s tkrs gS lHkh vkijsfVax flLVe es tqM+rs tkrs gSA
vkijsfVax flLVe gh dEI;wVj dks ;wtscy cukrk gsSA
Types of Operating Systems: Generally, it can be categorized into four types, based on the type of
computer they control and sort of applications they support.
 Single User, Single task: This type of Operating System manages the computer so that one
user can effectively do one thing at a time.
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mUgsa flaxy ;wtj flaxy VkfLadx vkijsfVax flLVe dgk tkrk gSA
 Multi User, Multi-task: This allows two or more users to run programs at the same time.
Some operating systems permit hundreds or even thousands of concurrent users to work on
for example Mainframe computers.
Elements of Word Processing T Balaji 9

Elements of Word
Processing
3.0 Introduction of Word Processing : ekbdzkls kW¶V oMZ ,d oMZ izkls sflax izkxs zke gSA nwljs 'kCnksa esa ;g ek= fjiksVZ ,oa izkt
s sDV~l
dks cukus esa lgk;rk iznku djus ds fy, ,d izksxzke gSA bls mi;ksxdrkZ dh #fp ,oa vko';drkvksa dh fuHkZjrk ds vuqlkj dbZ dk;ksZa ds fy,
mi;ksx fd;k tk ldrk gS tSls ,d Vkbi fd;k gqvk ysVj] MkWD;wesUV ;k fjiksVZ dks vklkuh ls cny ldrs gSa vkSj mUgsa Hkfo"; esa mi;ksx ds fy,
LVksj Hkh dj ldrs gSaA eq[;r% ,d oMZ izksll
s j de esgur esa vf/kd izHkkoh ,oa dq'ky rjhds ls dk;Z djus dh lqfo/kk iznku djrk gSA

3.1 Objectives: In this chapter we will discuss about: Word Processing Basics, Opening Word
Processing Package, Menu Bar/Tab, Opening and closing Documents, Save, Page Setup, Print
Preview, Text Creation and Manipulation, Text Selection, Cut, Copy and Paste, Font an d Size
selection, Alignment of Text, Formatting the Text, Table Manipulation etc..
3.2 Word Prosessing Basics : Word Processing is application software which is used to manipulate
the text or words like letter drafting, paragraph composing and so on. Here we will discuss about
Microsoft Word, Word processing software. Microsoft word is application software of Microsoft
Office suite which has a large number of earlier and latest versions. Here we will discuss about only
Microsoft Word 2003, 2007 & 2010 versions.
oMZ izkslfa lx ,d rjg dk ,fIyds'ku lk¶Vos;j gS tks VsDlV iSjkxzkQ dks rS;kj djus vkSj ml ij
ekMhfQds'ku djus esa bLrseky gksrk gSaA ;gk¡ ge ekbØkslk¶V oMZ tks fd ekbØkslk¶V vkfQl lwV dk ,fIyds'ku gsS ds
ckjs esa ftØ djsxas A ;gk¡ ge ekbØkslk¶V oMZ ds 2003 ] 2007 ,oa 2010 ds otZu ds ckjs esa ppkZ djsaxsA
Microsoft Word 2003
ekbdzkslkW¶V oMZ 2003 ,d oMZ izkls fs lax lk¶Vos;j gS tks ,fIyds'ku] MkD;weVsa ] ysVj] Vscy ,oa fjiksVZ rS;kj djrk gSA ;g
ehuw vk/kkfjr lk¶Vos;j gsS ftlesa lHkh vkijs'kuy dekaM gksrs gSA buds ehuwfuEuor~ gS& tSls File, Edit, View, Insert,
Format, Tools, Table, Window and Help.

Microsoft Word 2007/2010

;fn vki oMZ 2003 dk iz;ksx dj pqds gSa rks vki ns[ksx
a s fd oMZ 2007/2010 esa vksYM ehuw flLVe ds LFkku ij fjcu
rFkkvkfQl cVu ,oa QkbZy tabdk iz;ksx fd;k x;k gSA oMZ 2003 esa vki QkbZy ehuw ij fDyd dj U;w vksisu] lso] lso
,sl bR;kfn dekaM~l dk iz;ksx djrs gSa tcfd oMZ 2007 esa vkidks QkbZy ds LFkku ij vkfQl cVu ,oa QkbZy tab ds
varxZr mDr dekaM~l iznf'kZr gksrs gSaA oMZ 2007/2010 esa fDod ,Dlsl Vwy ckj ftlds varxZr lso] vuMw ,oa fjMw cVu
 Spread Sheet

4.0 Introduction: Excel is an office package used for calculation and analysis of data. MS Excel
provides a rich library in formula for calculation and a list of commands for analysis of data. Excel file
is known as a workbook; a Workbook is collection of three Worksheets by default. You can create
new spreadsheet according to your requirement.
LizsM'khV ,d dEI;wVj izksxkz e gksrk gS orZeku le; esa bl ,Iyhds'ku dk iz;ksx izk;% dkQh vf/kd fd;k tkrk gSA ;g
,Iyhds'ku vkidks ,d lkFk gtkjksa dSydqys'ku djus dh lqfo/kk iznku djrk gSA ,Dly Qkby dks vksisu djus ij ,d
odZcqd iznf'kZr gksxk ftlesa rhu odZ'khV ckbZ fMQkYV iznf'kZr gksrs gSA vki viuh vko';drk ds vuqlkj ubZ odZ'khV
dks vksisu dj mUgsa uke ns ldrs gSaA vkxs ge bysDVªkfud LizsM'khV dks vksisu dju]s lsy dks ,sMªl
s djus] ,fDVo djus]
fizVa djus] lso djus ,oa QkewZyk bR;kfn ds fo’k; esa ppkZ djsaxsA
4.1 Objective: In this chapter we will discuss about Elements of Electronic Spread Sheet, Opening of
Spread Sheet, Addressing of Cells, Printing of Spread Sheet, Saving Workbooks, Manipulation of Cells,
Entering Text, Numbers and Dates, Creating Text, Number and Date Series, Editing Worksheet Data,
Inserting and Deleting Rows, Column, Changing Cell Height and Width, Function and Charts, Using
Formulas, Function and Charts.
4.2 Element of Electronic Spreadsheet: There are number of elements in Microsoft Excel
Application which facilitates a user a user friendly environment to fulfill the goal object, here are the
elements Workbook, Worksheet, Row, Column, Cell, Functionsand Formulas.
ekbØkslk¶V ,Dlsy ds dbZ ,yhesVa gksrs gS tks LiszM'khV lEcfU/kr dk;Z dks iw.kZ djus esa lgk;rk iznku djrs gS tks
fuEuor~ gSA
Element of Electronic Spreadsheet
Workbook: A Workbook is the collection of odZcqd-;s vusd odZ'khV~l dk dysD'ku gSA tc vki
worksheets where the user works. A ,Dly Qkby vksius djrs gSa rks Ldzhu ij ,d odZcqd
workbook can contain maximum 225 sheets iznf'kZr gksrh gSa ftlesa ckbZ fMQkYV rhu odZ'khV iznf'kZr
to work in. Whenever a Workbook opens, it gksrs gSaA ,d odZcqd esa vf/kdre 225 odZ'khV [kskys tk
displayed three worksheets by default. ldrs gSaA odZcqd esa usohxs'ku cVu ds ek/;e ls ,d
Worksheet: AWorksheet is the place where odZ'khV ls nwljs odZ'khV ij tk ldrs gSaA odZcqd
the user works and performs arithmatical and O;ofLFkr rjhds ls vkidks dk;Z djus esa lqfo/kk miyC/k
functional calculations. By default it is named djkrk gSA
as Sheet1, Sheet2, Sheet3….etc. A sheet can be odZ'khV-;s jks vkSj dkWye dks feykdj curh gSA ;g ,d
renamed too. vkWxZukbts'ku ds QkbuSfU'k;y odZ'khV izkstsDV fFkfll
Row: A Row is the horizontal block of the bR;kfn dh Iykfuax ds fy, iz;ksx dh tkrh gSA
Worksheet or the Table which moves from jks-;s lsYl ls cuk gkWjhtkaVa y Cykd gksrk gS tks odZ'khV
left to right. A Row is named as the numbers dh iwjh pkSM+kbZ esa ck, ls nk, dh vksj pyrk gSA jks es]a
1, 2, 3..etc. There are 1,048,576 row (2007) odZ'khV ds ck,Wa fdukjs ij] Åij ls uhps dh vksj uEcj
65,536 rows (2003) comes under Excel Mkys tkrs gSaA ,sjks&dh ,oa ekml ds ek/;e ls vki ,d jks
Application. ls nwljs jks esa vklkuh ls tk ldrs gSaA odZ'khV esa vf/kdre
Column: A Column is the vertically situated in 65536 jkst gksrs gSaA
the worksheet or the table which flows from dkye-;s lsYk dk ,d ofVZdy CykWd gksrk gS tks iwjh
top to bottom. It is named as A, B, C… etc in odZ'khV esa pyrk gSA ,d dkye ls nwljs dkye esa tkus
Excel Application. There are 16,384 Columns gsrq ,sjk&dh ;k ekml dk iz;ksx fd;k tkrk gSA ,d
(2007) 256 Columns (2003) in Excel odZ'khV esa 16]384 dkWye ¼2007½ 256 dkWye ¼2003½ gksrs
Worksheet. gSaA
 Introductin of internet, www
and web browers

5.0 Introduction: A group of two or more computers interconnected by the telephone lines, co-axial
cable, satellite links, radio/microwave transmission or some other communication techniques are
called networking. A computer network is a group of computers that are connected together and that
communicate with and sharing the resources (like printer, folder etc.) from one to another.
usVofdZax lwpukvksa ;k vU; lalk/kuksa ds ijLij vknku&iznku ,oa lk>snkjh ds fy, nks ;k nks ls vf/kd dEI;wVjksa dk
ijLij tqM+ko dEI;wVj usVofdZax dgykrk gSA dEI;wVj usVodZ ds varxZr lalk/kuksa ,oa la;U=ksa dh ijLij lk>snkjh gksrh
gS] ftlls MkVk rFkk lwpuk,Wa ,d dEI;wVj ls nwljs dEI;wVj esa leku #i ls igqWp
a rh gSaA dEI;wVj usVodZ ,d dEiuh] ,d
vFkok vf/kd Hkouks]a ,d dejs rFkk 'kgj ds e/; LFkkfir fd, tk ldrs gSaA
5.1 Objectives: In this chapter we will discuss about Basics of Computer Networks, Local Area
Network (LAN), Wide Area Network (WAN), Internet, Concept of Internet, Basics of Internet
Architecture, Services on Internet, World Wide Web and Websites, Communication on Internet,
Internet Services, and Preparing Computer for Internet Access, ISPs and examples
(Broadband/Dialup/Wi-Fi), Internet Access Techniques.
5.2 Basics of Computer Networks: Networking is a technique which is used to make personal
computer to multi user behavior. Though the computers having single user multi tasking operating
system or network operating system (NOS). By sharing resources and peripheral devices more than
one user can work at a single resource or device.
,d usVodZ] dEI;wVlZ dk ,d xqzi gksrk gS tks bl rjg ls dusDVsM gksrk gS rkfd fjlksl Z l
s dks 'ks;j dj ldsA ,d
usVodZ esa dEI;wVlZ dk ,d xqzi ,d Lora= LVSaM,yksu e'khu dh vis{kk T;knk LVksjst {kerk vkSj izkslfs lax ikWoj iznku
djsxkA dEI;wVlZ ds lkFk&lkFk] ,d usVodZ esa isjhQsjy fMokblst Hkh gksrh gS tks dSfj;j vkSj MkVk dEI;wfuds'ku
fMokblst ds lkFk gksrh gS tks MkVk vkSj lwpuk dks ,Dlpst
a djus ds fy, bLrseky fd;k tkrk gSA
Type of Networking
 Based on Transmission media: Wired (UTP, coaxial cables, fiber-optic cables) and Wireless;
 Based on Network size: LAN and WAN;
 Based on Management method: Peer-to-peer and Client/Server; and
 Based on Topology (connectivity): Bus, Star, Ring, Tree and Mesh.
usVofdZax ds izdkj&usVodZ fofHkUu vk/kkj ij foHkkftr fd;k tkrk gSA mues ls eq[;r% fuEu izdkj ds gksrs gSa%
 MkVk Vªkalfe'ku ds ek/;e ds vk/kkj ij nks izdkj ds gksrs gSA ok;j usVodZ vkSj ok;jysl usVodZA
 usVodZ lkbt ds vk/kkj ij ;s Hkh ;g eq[;r% nks izdkj ds gSA ySu ¼yksdy ,fj;k usVodZ½ vkSj oSu ¼okbZM ,fj;k
usVodZ½
 usVodZ eSut s esUV esFkM ds vk/kkj ij Hkh ;s nks izdkj dk gksrk gSA ih;j Vw ih;j usVodZ vkSj DykbUV loZj
usVodZA
 VksiksykWth ds vk/kkj ij usVofdZax ikWp izdkj ls gksrk gSA cl] LVkj] fjax] Vªh vkSj esl VksiksykWthA
Network Media (Transmission Media): This is actual physical environment by which data travels
from one computer to another, and it connects network devices. The most basic hardware required
for communication is the media through which data is transferred. There are several types of
transmission media, and the choice of the right media depends on many factors such as cost of
transmission media, efficiency of data transmission and the transfer rate. It can be divided into two
main categories theses are:
 Communication &
Collaboration
6.0 Introduction: Communication has been the vital tool in our daily life routine, Business,
Education, Research and many more. Communication impacts a vital impression in any sector of life.
Email, Social Networking, chats, blogs and many more are key tools used in communication.
dE;wfuds'ku fctusl dh ykbQ ykbu gSA cxSj izHkkodkjh dE;wfuds'ku ds dksykcksjs'ku laHko ugha gSaA baVjusV ds ek/;e
ls vki vius fctusl ikVZulZ ds lkFk dksykcksjsV dj ldrs gSaA Vsyh dE;wfuVht ds cuus ls Nk=ksa dh ,drk c<+h gS vkSj
mUgsa ,d lkFk feydj dke djus dk vuqHko feyk gSA dksykcksjsfVo yfuZax ds }kjk iwjs fo'o ds Nk= ,d nwljs ls tqM+s
gq, gSaA
6.1 Objectives: In this chapter we will discuss about Basics of E-mail, What is an Electronic Mail,
Email Addressing, Configuring Email Client, Using E-mails, Opening Email Client, Mailbox: Inbox and
Outbox, Creating and Sending a new E-mail, Replying to an E-mail message, Forwarding an E-mail
message, Sorting and Searching emails, Advance email features, Sending document by E-mail,
Activating Spell checking, Using Address book, Sending Softcopy as attachment, Handling SPAM,
Instant Messaging and Collaboration, Using Smiley, Internet etiquettes.
6.2 Basics of E-mail: Electronic mail, commonly known as email or e-mail, is a method of sharing
digital messages from a person to another person. The person who sent message is called sender or
host and those who receive are called recipients. The term electronic mail was used for electronic
document transmission. Now a day this is the most popular way to send message, documents, bio-
data photographs etc., to anyone anywhere either in India or abroad. Email become popular because
it carry multi-media content attachments (liked text file, photograph, signature, video etc.), is called
Multipurpose Internet Mail Extension (MIME).
bysDVªfud esy ftls çk;% ge bZesy ds uke ls tkurs gSa tks ,d fMftVy eslst dks ,d txg ls nwljh txg igqpus
dh rduhd gSA blesa bysDVªfud 'kCn dk bLrseky esy ;k MkVk dks bysDVªfud ek/;e ls Hkstus ds fy, fd;k x;k gSA
vktdy ;g fdlh eslst] MD;wesaV] ck;ks&MkVk] QksVksxkz ¶l bR;fn Hkstus ds fy, dkQh pfpZr ek/;e gS ftls ge dgh
ls Hkh bLrseky dj ldrs gSA
6.2.1 What is an Electronic Mail: E-Mail (Electronics Mail) messages are useful and recordable
method of communication, other method including chatting and instant messaging. The difference
between email and instant messaging is the email is encrypted message and in instant messaging, no
any encryption is made. Many free email providers serves as web-based E-mail (e.g. Gmail, Hotmail,
Yahoo Mail, Rediffmail, mail.in.com, etc). This allows users to login the email account by using
an Internet browser to send and receive their email.
bZ&esy] ,d i= dks esy ls Hkstus dk ,d bysDVªkfud rjhdk gSA bZ&esy eSlt s sl] okW,l] ohfM;ks vkSj xzkfQDl dks
fMftVy dE;wfuds'ku laidZ tSls baVjusV ij] fo'o esa dgha Hkh] cgqr de dher ij Hkstus dk ,d rjhdk gSA rduhdh
#i ls] bZ&esy ,d izdkj dk DykbaV@loZj ,sIyhds'ku gS tks fdUgha nks bZ&esy vdkmaV~l ds e/; ,d jkmVsM LVksMZ
eSlt
s lfoZl iznku djrk gSA pwfa d lHkh ekWMuZ dEI;wVlZ dks baVjusV ls tksM+k tk ldrk gS] blfy, ;wtlZ baVjusV ij
bZ&esy dks fdlh Hkh yksds'ku rd Hkst ldrs gSa ftlds ikl VsyhQksu ;k ok;jySl fMftVy lfoZl gksrh gSaA
Benefits of Email: Email is almost the easiest way to communicate over internet. Here is brief
feature of email…
 Making Small
Presentations
7.0 Introduction: PowerPoint a best presentation program of MicrosoftOffice and each page of
presentation is called slide. It is used for creating animations. The objective of this chapter is to make
understand the reader that how to create presentation using template, how to Open existing
presentation slide, how to Run a Slide Show during presentation, how to create table, insert clip Art,
Pictures etc.
ekbØkslkW¶V ikWojikWbaV esa tSlkfd vf/kdka'k vU; izstsUVs'ku lkW¶Vos;j esa gksrk gS] VsDLV] xzkfQDl] ewoht vkSj vU;
vkWCtsDV~l dks vyx&vyx istsl ;k LykbM~l ij j[kh tkrh gSaA ,d izstsUVs'ku dh vksojvkWy fMtkbu dks ,d ekLVj
LykbM ls daVªksy fd;k tk ldrk gSA izstsUVs'ku dks dbZ izdkj ds Qkby QkWeVsZ l ~ esa lso vkSj ju fd;k tk ldrk gSA
7.1 Objective: In This Chapter We Will Discuss About: Using PowerPoint, Opening, Saving and
Creation of Presentation, Creating a Presentation Using a Template, Preparation of Slides, Inserting
Word Table, Clip Art Pictures, Movie and Sound and Excel Worksheet, Printing Slides And Handouts
etc. 8.2 Basics of Microsoft PowerPoint
There are few terms of Microsoft PowerPoint we will mention and discuss; here they are as follows…

Presentation: A PowerPoint presentation is a presentation created using Microsoft PowerPoint

software. The presentation is a collection of individual slides that contain information on a topic.
PowerPoint presentations are commonly used in business meetings and for training and educational
purposes.
çstsVa 's ku MkVk dks O;ofLFkr rjhds ls çnf'kZr djus dk ,d lqyHk rjhdk gS ftlds ek/;e ls vki fdlh fo"k; fo'ks"k ds
lqpuk dh çn'kZuh cukdj çLrqr dj ldrs gSaA ,d çstVsa 's ku <sj lkjs LykbM dk lewg gksrk gS tgk¡ ge çstVsa 's ku ds
fo"k; ls lEcaf/kr lqpuk dks best] VsDLV] vfM;ks ,oa fofM;ks ds ek/;e ls çnf'kZr djrs gSaA
Slides: Slide is a content page of the PowerPoint Presentation which completes a page to be printed
along with notes pages. It is the place using where you can type or insert the content about a
presentation; color it, assign a theme and style etc to make the presentation attractive
LykbM fdlh çstsVa 's ku esa ,d ist dh rjg gS tgk¡ ge çstVsa 's ku ds fo"k; ls lEcaf/kr lqpuk çnf'kZr djrs gSaA LykbM esa
dksbZ Hkh VsDLV Iysl gksYMj ds ek/;e ls bUlVZ djrs gSaA vkSj dyj ,oa Fkhe dk bLrseky dj çstsVa 's ku dks vkd"kZd
cukrs gSaA
Layout: Layout refers to the way things are arranged on a slide. A layout contains placeholders,
which in turn hold text such as titles and bulleted lists and slide content such as tables, charts,
pictures, shapes, and clip art.
ysvkmV fdlh Hkh çstsVa 's ku esa daVVsa ;k LykbM ds O;oLFkkiu ds fo"k; oLrq dks cksyrs gSaA çstVsa 's ku esa LykbM ds
ysvkmV esa Iysl gksYMj gksrs gSa tgk¡ ge VsDLV vkSj oSY;w bUlVZ djrs gSaA LykbM ds ysvkmV esa ge fiDpj] Vscy] pkVZ]
VsDLV] vVks 'ksi bR;knh bUlVZ dj ldrs gSaA çstsVa 's ku esa LykbM dbZ ysvkmV gksrs gSa ftUgsa ge vius t#jr ds fglkc
ls pqu ldrs gSaA
View: Microsoft PowerPoint provides several views in the presentation you can use and view and
demonstrate that as well. We have Normal view, Slide Sorter view, Notes Pages view, Slide Show
view, Slide Master View, Handouts Master, Notes Master view etc
ekbØksl¶V vfQl iojibaV çstVsa 's ku rS;kj djus ;k mls ns[kus vkSj çnf'kZr djus ds fy, dbZ rjg ds O;w çksokbM
djrh gS tSls ukeZy O;w] LykbM lVZj O;w] uksVl
~ istst O;w] gSaMvkmV ekLVj O;w] uksV~l ekLVj O;w bR;kfnA
Application of Digital Financial Services T Balaji 15

Application of Digital
Fianancial Services
8.0 Introduction: Digital financial services can be defined broadly as digital access and use of
financial services by the people. Such services should be suited to customers’ needs, and delivered
responsibly, at a cost both affordable to customers and providers. There are three key components of
any such digital financial services:
Digital Transactional Platform -It enables a customer to use a device to make or receive payments and
transfers and to store value electronically with a bank or any such nonbank institutes which
permitted to store electronic values.
Retail Agent - Retail agents use a digital device connected to communications infrastructure to
transmit and receive transaction details. It enables customers to convert cash into electronically
stored value and to transform stored value back into cash.
Devices –The customer’s device can be digital like mobile phones that is a means of transmitting data
and information or an instrument like payment card machines that connects to a digital device like
POS terminal.
fMthVy QkbZuafs l;y lfoZll
s ] foRrh; lsokvksa dk ykHk fMthVy :Ik esa mBkus dks dgrs gSaA ,slh lqfo/kk;sa tks xzkgdks ds
mEehn ij [kjh mrjs vkSj vklkuh ls gj txg miyC/k gks ldsA blds rhu eq[; ?kVd gksrs gSa&
fMthVy VªkatsD’ku IysVQkWeZ& ;g ,d ek/;e gS ftlesa xzkgd lHkh foRrh; ysu&nsu ,d fMokbl ds }kjk djrs gSaA blesa
cSad ;k vU; foÙkh; lqfo/kk nsus okys dk;kZy; lEefyr gksrs gSaA ;s vkil esa ,d djkj ds ek/;e ls ,d nwljs ls tqMd + j
xzkgdksa ds iSls ds ysunsu ds dk;Z dks iwjk djrs gSaA egRoiw.kZ ckr ;g gS dh blesa udn iSls dk dksbZ ;ksxnku ugha gksrk gSA
fjVsy ,tsVa & fjVsy ,tsVa fMthVy fMokbl }kjk ,d lajpuk rS;kj djrs gSa ftlesa lHkh bysDVªkfud ysu&nsu gksrs gSaA ;s
xzkgdks ds iSls dks bysDVªfud :Ik esa cny dj mudk fglkc lqjf{kr j[krs gSaA budk eq[; dk;Z fMftVy lsok ds çpkj
o çlkj dks xzkgd rd igq¡pkus dk çca/k djuk gksrk gSA
fMokbl& fMokbl fMthVy midj.k gksrs gSaA fMthVy fMokbl esa lHkh ysu&nsu bysDVªfud :Ik esa lqjf{kr jgrs gSa vkSj
vko';drk iM+us ij og fjdMZ vklkuh ls ns[k ldrs gSa vkSj mldks fçaV dj ldrs gSaA tSls fd eksckbZy Qksu ;k iseVsa
dkMZ ;U= tks fd cSad ;k foRrh; laLFkk ls tqM+ dj dke djrs gSA ;g dkMZ iseVsa fMokbl ;k POS ds :i esa Hkh gks
ldrh gSA mngkj.k ds fy, eksckby Qksu }kjk fdlh vU; Qksu esa iSls fjpktZ djokukA ;gk¡ eksckby ,d iseVsa fMokbl
ds :i esa gh dk;Z djrk gSA
8.1 OBJECTIVES : Main objective of the Digital Financial Services is to delivering financial services
through technological innovations like mobile phones. Digital finance also has an important role to play for
small businesses. It not only provides them with access to financing but also to electronic payment systems,
secure financial products and a chance to build a financial history. It can be a catalyst for the provision and
use of a diverse set of other financial services – including credit, insurance, savings, and financial
education.
fMthVy Qkbusafl;y lfoZll s dk eq[; mn~n’s ; foRrh; lsokvksa dk ykHk VsDukWykth }kjk vklku cukuk gSA tSls fd
eksckbZy Qksu }kjkA ;s NksVs m|ksxksa ds fy, ,d egRoiq.kZ Hkwfedk fuHkkrk gSA ;s uk dsoy foRrh; lsokvksa dks ns[kus cfYd
iSlks ds ysu&nsu esa vklkuh mRiUu djrk gSA ;s mu yksxksa ds fy, vR;Ur egRoiq.kZ gS tks iSlks dk vnku&iznku vDlj
djrs gSaA iSlksa ds lkjs iqjkus fglkc dk C;kSjk iwjh rjg ls lqjf{kr jgrk gS vkSj le;uqlkj ns[kk tk ldrk gSA
8.2 WHY SAVINGS ARE NEEDED? We all know how important savings are ? But why? Why should we
put money away that we could spend now? Few are given below reasons that may help convince you
to start saving today.
 You can never expect the unexpected.
 Savings are very ncessary for a comfortable retirement.
 Saving saves future worrying and
 There are always more important things than your immediate wants.
cpr dk ykHk ge lHkh tkurs gSaA ij lkspus okyh ckr ;g gS dh ge D;ksa mu iSlks dks cpk dj j[ksa ftUgsa vkt ge [kpZ
dj ldrs gSaA blds eq[;dkj.k fuEuor gSa&
 ge dHkh nq?kZVukvks dks Hkkai ugha ldrs gS D;ksfa d Hkfo"; ge ugha ns[k ldrsA fdlh Hkh vugksuh esa gekjh cpr
gh gekjs dke vkrh gSA
 cpr gekjs lsokfuo`r gks tkus ij gekjk lgkjk curh gSA
 dy dh fpark dk bykt vkt dh cpr gh gSA
 Hkfo"; dh vko';drk,a lnSo orZeku dh vko';drkvksa ls egRoiw.kZ gksrh gSaA
8.2.1 EMERGENCY FUND [EMERGENCIES] vkikrdkyhu fuf/k An emergency fund should be easy to
access in the event of unemployment, illness or a major unplanned expense. Establishing an
emergency fund is one of the most important things that anyone does when they are in good
condition and that emergency fund take care of several difficulties when they face financial crisis.
vkikrdkyhu fuf/k ls rkRi;Z ml /ku ls gS tks fd gekjs foRrh; eqlhcr ds le; dke vk;s tSls csjkstxkjh] fcekjh ;k
dksbZ Hkkjh iSls dh eqlhcr vkus ij gekjs dke vk ldsA ;s ,slh egRoiq.kZ pht gS ftls gj O;fDr dks vius vPNs fnuksa esa
,df=r djuk pkfg, rkfd cqjs oDr esa mlds dke vk ldsA
8.2.2 FUTURE NEEDS : Life is not about money — but how you deal with money has a huge impact on
your quality of life, your family’s life, and the life of your community. We all have some things that we
cannot compromise on. For example, your father may have taken a loan to pay for your B.Tech or
MCA, and you want to pay him back in a few years. Your parents may have used up all their
retirement savings for you or your siblings, and you want to take care of them financially after their
retirement. You want to buy your own car or house. All this need requires money which makes
saving necessary.
thou esa vius /ku dk bLrseky fdl izdkj djuk gS ;s vR;Ur egRoiq.kZ ckr gS ftldk vlj vius mij] vius ifjokj
ds mij vkSj vius lekt ds mij iM+rk gSA mnkgj.k ds fy, ;fn vkids firk us vkidh i<+kbZ ds fy, dksbZ _.k ys
j[kk gS rks Hkfo"; esa mls okil djus dk nkf;Ro vkidk gS tksfd vkids Hkfo"; ds fy, /ku dh vko';drkvksa esa ls ,d
gS ;k Hkfo"; esa vkidks ?kj [kjhnuk gks bu lcds fy, /ku dk lap; vHkh ls djuk pkfg,A bl izdkj orZeku esa Hkfo";
ds fy, /ku lap; djuk gekjh vko’;drk cu tkrh gSA
8.2.3 LARGE EXPENSES : Huge expenses are the expenses which completes big event like marriage
ceremony, house purchase, car purchase, business establishment etc. Huge expenses can be only
meet out with our savings. That is why saving are also necessary for huge expenses.
gekjs dqN [kpsZ cgqr vf/kd gksrs gSa] ftUgs dke djuk gekjs gkFk esa ugha gksrk gSA tSls Hkkjr esa fdlh 'kknh dk çca/k
djuk] ?kj [kjhnuk] dkj [kjhnuk vkfnA bl rjg ds [kpsZ ds fy, gesa FkksM+s FkksM+s iSls gh cpkus gksrs gSaA ;s gekjh cpr
djus dh vknr ls gh Hkfo"; esa lEHko gksrs gSaA
8.3 Drawbacks of keeping cash at home
8.3.1 Unsafe method: When people have extra cash, many people opt to carry it around in their wallet,
place it in a piggy bank or stash it under their mattress. Unfortunately, all of these strategies put their
money at risk. Those who carry their cash around can lose it if their wallet gets stolen. Those who
keep their money at home (either in a piggy bank or under their bed) can find themselves without
any savings if their house gets burglarized or becomes damaged in a fire.
tc yksxksa ds ikl vf/kd ek=k esa /ku gksrk gS rks vDlj oks mls ?kj esa Nqik dj j[krs gSa nqHkkZX;o’k ;s rjhdk [krjukd
gksrk gSA blesa pksjh dk Mj] ?kj esa fdlh Hkh dkj.ko'k u"V gksus dk Mj gksrk gS] tSls dh ?kj esa vkx yx tkuk] ;k ck<+
vk tkuk vkfnA bles /kks[kk/kM+h dh laHkkouk Hkh cgqr c<+ tkrh gSA
8.3.2 Loss of growth opportunity: Another reason why you shouldn't be hiding money in your house
is because you earn no interest on it. While banks are exactly paying top rupees on their high interest
savings accounts. nqljk bldk eq[; uqdlku ;s gS fd /ku esa o`)h :d tkrh gS tcfd cSad j[ks gq, /ku ij Hkh C;kt
dh lqfo/kk iznku djrk gSA
 Application of Digital Financial Services T Balaji 17

MCQ on Digital Fianancial Services

New chapter added as per DOEACC/NIELIT syllabus
1 Full form of DFS is….. 2 How many saving accounts may be opened by an
DFS dk Qqy QeZ gS adult in his own name in any bank?
a) Dynamic b) Digital Financial DksbZ Hkh o;Ld ,d cSad esa vius uke ls fdrus cpr [kkrs
Financial Schem Services [kqyok ldrk gS&
c) Digital Funds d) Double Finance a) One b) Four
Scheme Services c) Three d) Two
3 A positive current account balance indicates that 4 An overdraft facility for a time period allows you
the – pkyw [kkrk dh ldjkRed gkyr ls irk pyrk gS fdlh fuf'pr le; ds fy, vksojMªk¶V lqfo/kk }kjk
a) Nation has b) Nation is a a) Can not b) Withdraw limited cash
heavy debt net lender to the withdraw cash from your nill balance
ns'k vf/kd _.k ls nck rest of the world - ge udn jkf'k account
gS ns'k us nqljs ns'kksa dks ugha fudky ,d r; jkf'k [kkrs ls fudky
_.k ckaVk gSa ldrs ldrs gSa tcfd [kkrs esa
c) Nation’s d) None of the iSls u gks
debt at high above c) Withdraw cash d) Withdraw unlimited
interest buesa ls dksbZ ughas with no interest cash from your nill
ns'k ds _.k dh C;kt nj fcuk C;kt ds udn balance account
vf/kd gS fudky ldrs gSaS vlhfer jkf'k [kkrs ls fudky
ldrs gSa tcfd [kkrs esa
iSls u gk
7 Documents required for opening an account in 8 PAN card is valid only for- iSu dkMZ oS/k gS &
bank- cSad esa [kkrk [kqyokus ds fy, vko';d nLrkost+ gS a) ID of card holder b) Address of the card
a) Only ID proof dsoy b) Only address dkMZ /kkjd dh dsoy vkbZ holder - dkMZ /kkjd ds
vkbZ Mh çwQ proof dsoy ,Mªsl Mh ds fy, ,Mªsl çwQ ds fy,
çwQ c) ID and Date of d) None of the above
c) ID proof and d) Either ID proof Birth of card buesa ls dksbZ ugha
address proof or address proof holder - dkMZ /kkjd
both - vkbZ Mh çwQ - vkbZ Mh çwQ ;k ds ,Mªsl çwQ ds fy,
vkSj ,Mªsl çwQ nksuksa ,Mªsl çwQ nksuksa esa
ls ,d
9 The Indian rupee symbol ' ' officially adopted in- 10 In which year NEFT services has been started-
Hkkjrh; #i;s dk fpUg gS] ftls ekU;rk feyh gS NEFT lsok fdl o"kZ esa çkjEHk dh x;h Fkh \
a) 2009 b) 2010 a) 2005 b) 2002
c) 2001 d) 2006
c) 2012 d) 2015.
Sl. State whether statement is true or false – T- True
No fuEufyf[kr dFkuks ds vkxs vko';drkuqlkj gka ;k ugha fy[ksa F – False
21 POS terminal is a digital device- POS ,d fMftVy fMokbl gS
22 When we put money in our home, it's inusred by the banks also. –
gekjs ?kj esa j[ks iSls Hkh cSad }kjk lqjf{kr jgrs gSa
23 A demand draft in India is used for transfer of money
Hkkjr esa fMekaM Mªk¶V }kjk /ku dk vknku çnku fd;k tkrk gS
24 A negative current account balance indicates that it is a net borrower from the rest of the
world
pkyw [kkrk ds udkjkRed gkyr ls irk pyrk gSa fd ns'k us _.k fy;k gSaA
51. 25 For our daily savings, we use current account scheme –
ge çfrfnu dh cpr ds fy, pkyw [kkrs dk ç;ksx djrs gSa
52. 26 Personal loans can also be taken by private companies –
O;fäxr _.k futh daifu;ksa dks Hkh fey ldrk gS
 Keyboard Shortcuts,
Abbreviations &
Terminologies
Key Board: Detail knowledge about keyboard button and the functions of each key are very essential
for student for examination, practical and day to day work. Without knowing keyboard functions you
can’t do your work smoothly.

We are going to discuss about key board buttons and its functions without knowing keyboard functions
we can’t do our work smoothly.
F1- F12: Function key-These keys act according to operating system. Mainly we use these keys for
printing, saving, repeat last action etc.
Tab Tab key Tab key is used the cursor forward/set point.
Shift Shift key Used for upper case of alphabet.
Caps Lock Caps Lock It also used for upper case of alphabet.
Alt Alt (AlterNet) It located both side of spacebar. It used with another key as discussed
key in key board shortcuts.
Backspace Backspace key Used to Delete any alphabet/character before the current position.
Delete Delete key It used to Delete the alphabet/character after the current position.
Enter Enter key This key is used as return key. It used for next line. Several other uses
are discussed in next heading (key board short cuts).
Prt Scrn Print Screen Used to print screen image.
Key
Scroll lock Scroll Lock It used to stop the scrolling of the text temporarily.
Key
Pause Pause key It used to stop the action of the program being run temporarily. We can
able to work after pressing pause tab again.
Insert Insert Key This key allows text to be inserted.