उपन्यास अभी उधार है।

A word-by-word breakdown is:

• उपन्यास = novel
• अभी = now / at the moment / still
  In this sentence, still / currently is often the best sense.
• उधार = borrowed / on loan / in loan status
• है = is

So the structure is basically:

• उपन्यास = the subject
• अभी उधार है = is currently on loan

Hindi does not have articles like a, an, and the in the same way English does.

So उपन्यास can mean:

• a novel
• the novel
• sometimes just novel

The exact meaning depends on context. If the meaning shown to the learner is The novel is currently on loan, that comes from context, not from a separate Hindi word meaning the.

अभी often means:

• now
• right now
• at the moment
• still, depending on context

In उपन्यास अभी उधार है, it does not just mean a point in time like right now. It often gives the idea that the situation is true for the time being or still.

So a natural interpretation is:

• The novel is still on loan
• The novel is currently borrowed
• The novel is out on loan at the moment

उधार literally relates to loan / credit / borrowing. In actual usage, it can behave quite flexibly.

In this sentence, it works like a predicate expression after the subject, similar to:

• on loan
• borrowed
• lent out

So उपन्यास अभी उधार है means the novel is in a state of being loaned/borrowed.

You do not need to force it into a single English category. In Hindi, many words can function more loosely than their nearest English equivalent.

है is the present tense of to be for a singular subject.

Since उपन्यास is singular, है is used:

• उपन्यास ... है = The novel ... is

If the subject were plural, you would normally use हैं instead:

• उपन्यास अभी उधार हैं। = The novels are currently on loan.

उपन्यास is masculine.

In this particular sentence, gender does not change much visibly, because:

• उधार does not change form here
• है also does not show masculine/feminine distinction in the present singular

So even though उपन्यास is masculine, the sentence looks the same structurally as it would with many feminine nouns:

• किताब अभी उधार है। = The book is currently on loan.

The difference in gender matters more in sentences with participles or adjectives that agree visibly.

Because this sentence is expressing a state, not specifying all the details of the borrowing event.

It simply says that the novel is on loan. It does not say:

• to whom it was lent
• from whom it was borrowed
• where it is

So Hindi can leave those details out when they are not important.

If you wanted to add them, you could say things like:

• उपन्यास अभी रवि के पास है। = The novel is with Ravi right now.
• उपन्यास अभी उधार पर है। = The novel is on loan.
• उपन्यास अभी किसी को उधार दिया गया है। = The novel has been lent to someone.

By itself, उपन्यास अभी उधार है focuses on the status of the novel, not strongly on who did the borrowing or lending.

Depending on context, English might express it as:

• The novel is on loan
• The novel is borrowed
• The novel is lent out

So the sentence is more about the novel being not currently available because it is in loan circulation, rather than about one person’s action.

Yes, there is a nuance.

• अब often means now in the sense of from now on / now as opposed to before
• अभी often means right now / at this moment / currently / still

In this sentence, अभी sounds more natural because it describes the present temporary status of the novel.

So:

• उपन्यास अभी उधार है। = The novel is currently/still on loan.

Using अब would shift the feeling slightly toward now it is on loan, possibly contrasting with an earlier state.

The normal order here is very natural:

• उपन्यास अभी उधार है।

Hindi word order is flexible, but not all rearrangements sound equally natural.

This sentence follows a common pattern:

• subject + time word + predicate + है

You may also hear variations in conversation for emphasis, but the given order is a good default to learn.

Yes, it is understandable and natural enough, especially in a short contextual statement.

That said, depending on situation, speakers might also use more explicit alternatives such as:

• उपन्यास अभी उधार पर है।
• उपन्यास अभी किसी के पास है।
• उपन्यास अभी दिया हुआ है।

These can sound a bit clearer in some contexts. But उपन्यास अभी उधार है is a compact, valid way to say that the novel is currently not available because it is out on loan.

A simple pronunciation guide is:

• उपन्यास ≈ upanyaas
• अभी ≈ abhee
• उधार ≈ udhaar
• है ≈ hai

So the whole sentence is roughly:

• upanyaas abhee udhaar hai

A few notes:

• ny in उपन्यास is pronounced together, somewhat like the ny sound in canyon
• ध in उधार is an aspirated d sound
• ै in है sounds like ai in aisle or eye, depending on accent and teaching style

You would usually change है to हैं:

• उपन्यास अभी उधार हैं। = The novels are currently on loan.

If the plural noun were different, the same idea would apply:

• किताबें अभी उधार हैं। = The books are currently on loan.

So the main visible change is in the form of to be:

• singular: है
• plural: हैं