imSirq ivAwjimSirq ivAwj

klws:- 8 vINivSw:- gixqAiDAwie:- 6iqAwr krqw:-snyh lqw (mYQ imstrs)s.s.s. gMFUklW, mwnsw

ividAwrQI:-

rwjdIp isMG

gurpRIq isMG

hrpwl kOr

gurqyj kOr

pUrv igAwnpUrv igAwn

• ivAwj kI hY ?

• imSrDn iksnMU kihMdy hn?

• imSirq ivAwj qON kI mqlb hY?

ivAwjivAwj• mnu`K hr roz dI loV leI Dn kmwauNdw hY Aqy

ies kmweI iv`coN auh Awpxw Krcw k`Fx qoN bwAd auh kuJ Dn AOKy smyN leI bcwauNdw hY[ pr iPr vI aus nUM v`fy kMm leI v`D Dn dI jrUrq pYNdI hY[

• ijs leI keI vwrI ivAwkqI bYNk jW iksy mnu`K qoN Dn kuJ smyN leI auDwr lY lYNdw hY ijs nUM irx dwqw ikhw jWdw hY[ kuJ smyN bwAd ausnUM auDwr ley Dn qoN ielwvw kuJ Dn hor vI v`D Dn vwps dyxw pYNdw hY, ijs nUM ivAwj ikhw jWdw hY[

imSrDnimSrDn

• auDwr ley gey Dn nUM mUlDn kihMdy hn[• mUlDn auqy ivAwj dy joV nUM imSrDn kihMdy hn[

imSirq ivAwjimSirq ivAwj

• jdoN kuJ smyN bwAd mUlDn iv`c ivAwj joVn dy kwrn nvW mUlDn pRpq huMdw hY, ijhVw ik pUry irx smyN ie`ko ijhw nhIN rihMdw, qW ies nvyN mUlDn qy pRwpq ivAwz nUM imSirq ivAwz ikhw jWdw hY[

audwhrx:-• 10000 ru: dw 10% dy ihswb nwl 3 swl bwAd

imSrDn Aqy imSirq ivAwj pqw kro jdoN ik ivAwj slwnw joiVAw jwvy[

jdoN ik ivAwj slwnw jdoN ik ivAwj slwnw

joiVAw jwvyjoiVAw jwvy

• sUqr• A+P(1+r/100)n

• mMn lau• 10000(1+10/100)3

• 10000*11/10*11/10*11/10• =13310• imSirq ivAwj = imSrqDn -

mUlDn = A-P

= 13310 - 10000

= 3310 ru:

h`l

pihlw swlmUlDn = 10000 ru:dr = 10%smW = 1 swl• sDwrn ivAwj=mUlDn * dr * smW/100

= 10000*10*1/100= 1000 ru:

• dUjw swl• mUlDn= 10000+1000=11000 ru:• dr = 10%• smW = 1 swl

• sDwrn ivAwj=mUlDn * dr * smW/100

= 11000*10*1/100= 1100 ru:

• qIsrw swl• mUlDn= 11000+1100=12100 ru:• dr = 10%• smW = 1 swl

• sDwrn ivAwj=mUlDn * dr * smW/100

= 12100*10*1/100= 1210 ru:

• imSirq ivAwj = pihly swl dw sDwrn ivAwj + dUsryy swl dw sDwrn ivAwj + qIsry swl dw sDwrn ivAwj = 1000 ru: + 1100 ru:

+ 1210 ru:joV= 3310 ru:

audwhrx

• 12000 ru: dw 20% swlwnw dr nwl 2 swl bwAd imSrDn Aqy imSirq ivAwj pqw kro jdoN ik ivAwj iCmwhI joiVAw jwvy[

jdoN ik ivAwj iCmwhI jdoN ik ivAwj iCmwhI

joiVAw jwvyjoiVAw jwvy

h`lh`lie`Qy•mUlDn=12000 ru:•ivAwj dI dr= 20% slwnw

•ivAwj dI dr pRqI rupWqrx smW

Bwv iCmwhI Anuswr = ½*20%

=10%smW 2 swlie`k swl dy smyN iv`c rupWqrx smyN dI

sMiKAw=2*2=4

huximSrDn = 12000*(1+10/100)4 ru:

= 12000*(1+1/10)4 ru:= 12000*(11/10)4 ru:=

12000*11/10*11/10*11/10*11/10 ru:= 17569.20 ru:

imSirq ivAwj = (17559.20-12000) ru: = 5569.20 ru:

AiBAwsAiBAws

• 10000 ru: dw 20% swlwnw dr nwl 2 swl bwAd imSrDn Aqy imSirq ivAwj pqw kro jdoN ik ivAwj iCmwhI joiVAw jwvy[

• 13000 ru: dw 18% swlwnw dr nwl 2 swl bwAd imSrDn Aqy imSirq ivAwj pqw kro[

• 23000 ru: dw 15% swlwnw dr nwl 2 swl bwAd imSrDn Aqy imSirq ivAwj pqw kro[

• 21000 ru: dw 30% swlwnw dr nwl 2 swl bwAd imSrDn Aqy imSirq ivAwj pqw kro jdoN ik ivAwj iCmwhI joiVAw jwvy[

sRoqsRoq pMjwb skUl is`iKAw borf dI 8 vIN dI ihswb

dI pwT pusqk