The Clue "Aaj nagad, kal udhar" subject
The Answer MONEY
The phrase "Aaj nagad, kal udhar" translates to "cash today, credit tomorrow." This directly relates to the concept of money and its different forms. The clue suggests a focus on financial transactions, highlighting how money can be exchanged in various ways. Therefore, "MONEY" is the perfect answer as it encompasses both cash and credit.