Meaning of (बक़ाया) baqaya in english
As noun :
arrears Ex:  Jane's student-loan payments are in arrears .
Suggested : the state of being behind or late, especially in the fulfillment of a duty, promise, obligation, or the like
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(बक़ाया) baqaya
can be used as noun.. No of characters: 6 including consonants matras.
Transliteration :
baqaayaa