Sadharan Byaj Calculator – साधारण ब्याज कैलकुलेटर

kisee yojana mein arjit nivesh par pratiphal kee ganana arjit byaaj ke viruddh sanchit laabh ke roop mein kee jaatee hai. is prakaar ka laabh chakravrddhi byaaj ya saadhaaran byaaj par sanyojit hota hai. byaaj kee ganana mool raashi par kee jaatee hai.

yah ganana karana mahatvapoorn hai ki byaaj ke aadhaar par ek nishchit avadhi ke baad aapako kitanee dhanaraashi praapt hogee. yadi aapake nivesh mein saadhaaran byaaj ke aadhaar par dhan sanchay hota hai, to aap saadhaaran byaaj kailakuletar ka upayog kar sakate hain. ye kailakuletar aapako paripakvata par praapt hone vaalee kul aay kee aasaanee se ganana karane mein madad karate hain.

sadharan byaj kya hai?

byaj vah laagat hai jo aap paise udhaar lene ke lie chukaate hain ya paise udhaar dene ke lie aapako milane vaala muaavaza hai. aap oto lon ya kredit kaard par byaaj de sakate hain, ya bachat khaaton ya jama pramaanapatr (seedee) jaise byaaj vaale khaaton mein nakad jama par byaaj praapt kar sakate hain.

sadharan byaj vah byaaj hai jisakee ganana keval udhaar lee gaee ya jama kee gaee praarambhik raashi (“mooladhan”) par kee jaatee hai. aam taur par, saadhaaran byaaj ko rn kee avadhi ke lie ek nishchit pratishat ke roop mein nirdhaarit kiya jaata hai. chaahe kitanee bhee baar saadhaaran byaaj kee ganana kee jae, yah keval is mool mool raashi par laagoo hota hai. doosare shabdon mein, bhavishy ke byaaj bhugataan pahale se arjit byaaj se prabhaavit nahin honge.

sadhaaran byaj sootr

mool saadhaaran byaaj sootr is tarah dikhata hai:

saadhaaran byaaj = mool raashi × byaaj dar × samay

hamaara kailakuletar any inaput die jaane par inamen se kisee bhee char kee ganana karega.

varshon ka upayog karake saadhaaran byaaj kee ganana

aap saadhaaran byaaj sootr ko is tarah bhee dekh sakate hain:

i = prt

is sootr mein:

• i = kul saadhaaran byaaj
• p = mool raashi ya mool shesh raashi
• r = vaarshik byaaj dar
• t = varshon mein rn avadhi

is sootr ke tahat, aap vaastavik avadhi ke anusaar byaaj kee ganana karane ke lie “t” mein herapher kar sakate hain. udaaharan ke lie, yadi aap chhah maheenon mein byaaj kee ganana karana chaahate hain, to aapaka “t” maan 0.5 ke baraabar hoga.

vibhinn aavrttiyon ke lie saadhaaran byaaj
aap saadhaaran byaaj sootr ko is tarah bhee dekh sakate hain:

i = prn

is sootr mein:

• i = kul byaaj
• p = mool raashi
• r = prati avadhi byaaj dar
• n = avadhiyon kee sankhya

is sootr ke tahat, aap dainik ya maasik jaisee vibhinn aavrttiyon par lie gae saadhaaran byaaj kee ganana kar sakate hain. udaaharan ke lie, yadi aap maasik aadhaar par lie jaane vaale maasik byaaj kee ganana karana chaahate hain, to aap maasik byaaj dar ko “r” ke roop mein inaput karenge aur “n” avadhiyon kee sankhya se guna karenge.

saadhaaran byaaj ke udaaharan

aaie i=prt aur i=prn donon ke ek tvarit udaaharan kee sameeksha karen.

i = prt

udaaharan ke lie, maan len ki aap paanch varshon mein chukaane ke lie 5% vaarshik saadhaaran byaaj par $10,000 ka rn lete hain. aap poore rn ke lie apana kul byaaj bhugataan jaanana chaahate hain.

shuroo karane ke lie, aap apane mooladhan ko apanee vaarshik byaaj dar se guna karenge, ya $10,000 × 0.05 = $500.

phir, aap is maan ko rn par varshon kee sankhya se guna karenge, ya $500 × 5 = $2,500.

ab jab aap apana kul byaaj jaanate hain, to aap is maan ka upayog apane kul rn chukautee kee aavashyakata nirdhaarit karane ke lie kar sakate hain. ($10,000 + $2,500 = $12,500.) aap yah nirdhaarit karane ke lie mooly ko vibhaajit bhee kar sakate hain ki aap pratidin ya maasik kitana byaaj denge.

i = prn

vaikalpik roop se, yadi aapake paas prati maah byaaj dar hai, to aap saadhaaran byaaj sootr i=prn ka upayog kar sakate hain.

yadi aapakee maasik dar 5% hai aur aap ek varsh ke lie byaaj kee ganana karana chaahate hain, to aapaka kul byaaj $10,000 × 0.05 × 12 = $6,000 hoga. kul rn chukautee kee aavashyakata $10,000 + $6,000 = $16,000 hogee.

kaun se vitteey upakaran saadhaaran byaaj ka upayog karate hain?

saadhaaran byaaj ek udhaarakarta ke roop mein aapake paksh mein kaam karata hai, kyonki aap keval mool shesh raashi par byaaj ka bhugataan kar rahe hain. yah chakravrddhi byaaj ke vipareet hai, jahaan aap kisee bhee sanchit byaaj par bhee byaaj ka bhugataan karate hain. aap alpakaalik rnon par saadhaaran byaaj dekh sakate hain.

isee kaaran se, rnadaata ya niveshak ke roop mein saadhaaran byaaj aapake paksh mein kaam nahin karata hai. aisee sampattiyon mein nivesh karana jo chakravrddhi vrddhi pradaan nahin karatee hain, isaka matalab hai ki aap sambhaavit vrddhi se chook sakate hain.

haalaanki, kuchh sampattiyaan saralata ke lie saadhaaran byaaj ka upayog karatee hain – udaaharan ke lie bond jo byaaj koopan ka bhugataan karate hain. nivesh laabhaansh ke roop mein saadhaaran byaaj ritarn bhee pradaan kar sakate hain. chakravrddhi ka laabh uthaane ke lie aapako laabhaansh ko atirikt mooladhan ke roop mein punarnivesh karana hoga.

isake vipareet, adhikaansh cheking aur bachat khaate, saath hee kredit kaard, chakravrddhi byaaj ka upayog karake sanchaalit hote hain.

saadhaaran byaaj banaam chakravrddhi byaaj

chakravrddhi byaaj byaaj ka aakalan karane ka ek aur tareeka hai. saadhaaran byaaj ke vipareet, chakravrddhi byaaj praarambhik raashi ke saath-saath kisee bhee byaaj par byaaj arjit karata hai jo rn par jama hota hai aur judata hai. (doosare shabdon mein, chakravrddhi anusoochee par, aap na keval mool shesh raashi par, balki byaaj par bhee byaaj ka bhugataan karate hain.)

lambe samay mein, chakravrddhi byaaj aapako udhaarakarta ke roop mein adhik kharch kar sakata hai (ya niveshak ke roop mein aapako adhik kama sakata hai). adhikaansh kredit kaard aur rn chakravrddhi byaaj ka upayog karate hain. bachat khaate bhee chakravrddhi byaaj anusoochee pradaan karate hain. aap apane baink se apane khaaton kee chakravrddhi aavrtti ke baare mein pata kar sakate hain.

chakravrddhi byaaj sootr

chakravrddhi byaaj ka mool sootr hai:

a = p × (1 +rn)nt

is sootr mein:

• a = antim shesh raashi
• p = mool shesh raashi
• r = byaaj dar (dashamalav ke roop mein vyakt)
• n = ek varsh mein byaaj ke chakravrddhi hone kee sankhya
• t = samay (varshon mein vyakt)

dhyaan den ki byaaj alag-alag samay par chakravrddhi ho sakata hai – sabase aam taur par maasik ya vaarshik. jitanee adhik baar byaaj chakravrddhi hota hai, utana hee adhik byaaj aap dete hain (ya kamaate hain). yadi aapaka byaaj pratidin chakravrddhi hota hai, to aap byaaj ke vaarshik chakravrddhi hone kee sankhya ke lie 365 darj karenge. yadi yah maasik chakravrddhi hota hai, to aap isake bajaay 12 darj karenge.

chakravrddhi byaaj ke baare mein adhik jaanen

chakravrddhi byaaj kee ganana jaldee hee jatil ho sakatee hai kyonki isake lie pratyek chakravrddhi avadhi mein praarambhik shesh raashi kee punarganana karane kee aavashyakata hotee hai.

chakravrddhi byaaj kaise kaam karata hai, is baare mein adhik jaanakaaree ke lie, ham hamaare chakravrddhi byaaj kailakuletar par jaane kee salaah dete hain.

aapake lie kaun sa behatar hai: sadharan ya chakravriddhi byaj?

ek udhaarakarta ke roop mein, sadharan byaj ka bhugataan karana aapake paksh mein kaam karata hai, kyonki aap samay ke saath kam bhugataan karenge. isake vipareet, chakravrddhi byaaj kamaane ka matalab hai ki aap samay ke saath bade ritarn praapt karenge, chaahe vah rn, nivesh ya aapake niyamit bachat khaate par ho.

ek tvarit udaaharan ke lie, paanch varshon mein chukae jaane vaale 5% byaaj par $10,000 ke rn par vichaar karen.

jaisa ki oopar bataaya gaya hai, is aakaar ka rn paanch varshon ke baad kul $12,500 hoga. yah mool mooladhan par $10,000 aur byaaj bhugataan mein $2,500 hai.

ab usee rn par vichaar karen jo maasik roop se chakravrddhi hai. paanch varshon mein, aap kul $12,833.59 chukaenge. yah aapake mool mooladhan ka $10,000 aur byaaj mein $2,833.59 hai. samay ke saath, saadhaaran byaaj aur chakravrddhi byaaj rn ke beech ka antar tejee se badhata hai.