do u use words like mohtarma benazir bhutoo sahiba. la hol bila kuwat..begum khalida zia etc etc in regular day to day urdu. doest it sound a little too much takuluuf.
Mohtarma is used for respected elder ladies, yes. Benazir is just a name, and so is Bhutto. Sahiba is female of Sahib (alot of the times pronounced Saab)
La hol bila kuwait....is actually La Hawla Wala Quwwata and it's a common prayer
Begum can be a surname, and yeah, it can be used to mean "wife" as well
Khalida and Zia are both names, Zia is a masculine name btw
And no, none of that sounds "Takalluf". We use the word Takalluf to mean something entirely different, buddy.
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Just to confirm one thing to you; in Urdu we don't have a Pure and Common variant of Urdu as you do in Hindi. Urdu is simply Urdu, and words be they of Perso-Arabic or Indic origin, are both used commonly. Both are correct.
In Hindi, because of excessive Sasnkritisation to get rid of Islamic (Perso-Arabic) influence on Hindi, it has created a gap between the Common (as it is called nowadays) Hindi and this new Hindi called Shuddh Hindi. People learn one type of Hindi at schol and speak another at home, that's where the confusion arises. Nothing of the sort happens in with Urdu.