Here is the answer for the question - these are gathered from various sources and presented here for your information and understanding.
Human Resource is simply human potential. Potential with infinite capabilities and capacity with the possibility of beneficial engagement. Potential however, it must be noted does not have to be productive and that an opportunity has to be provided to translate potential into real value.
Human Capital is a well employed human resource that is actively engaged in meaningful, worthwhile work and delivering some level of desired productivity. Human Capital is a question of factoring knowledge and application to physicality.
Human Investment is determined by the degree to which the human capital is productive and producing dividends. Human Investment is a question of physicality, knowledge and application channeled towards great returns on investment.
"Resources" have been defined as "The total means available for economic and political development, such as mineral wealth, labor force and armaments. An available supply that can be drawn on when needed."
"Capital" is defined as "Any form of wealth employed or capable of being employed in the production of more wealth."
Simply put, resources are finite. We can strip coal, gold and iron mines until the supply is exhausted. Capital can be infinite, as it can be used to produce more and more capital.
Human capital is partially comprised of skills, understanding, knowledge and experience - some of which may be innate. From a broader perspective, human capital includes the character, ethics, personality and creativity of a human being. Even if we are born with these attributes, it is often required we spend time, effort and money to retain or to grow them - thereby, increasing human capital.
We may accumulate, maintain and increase human capital in many ways; through education, job training, work experience, life experience, investment in health, etc. Time, money and effort are spent acquiring human capital.
Capital is capital - you spend something now, in hopes of getting a return on your investment later. Many companies have come to recognize their investment in human capital may be the most important investment they will ever make. When it comes to human capital, you are investing in people and the "return" you receive most likely is much more than financial gain. You may also gain knowledge, a larger group of contacts, more productivity, increased happiness and security.
M.J.SUBRAMANYAM, BANGALORE