This is a present tense that describes actions that are done regularly or habitually. It is called the 'imperfective', and it consists of two parts. First, the word describing the action is बोलता bolta, which consists of the stem बोल bol plus the ending –त -ta
बोल +त =बोलता bol+ta=bolta
समझ +त =समझता samajh + ta = samajhta