Title:- Compound Interest kya hota hai? (Simple se samjhaav aur Example)
๐น Introduction
Agar aap apne paise ko badhane ka sabse asaan aur powerful tareeka dhoond rahe hain, to "Compound Interest" aapka best friend ho sakta hai. Ye ek aisa magic formula hai jisse paise khud se paisa kamaate hain. Chaliye is concept ko ekdum simple bhaasha me samajhte hain.
๐น Compound Interest kya hota hai?
Compound Interest (Chakravaadi Byaj) ka matlab hota hai:
Byaj par bhi Byaj milna!
Iska matlab jab aap kisi bank, mutual fund ya investment me paise invest karte ho, to aapko har saal ek certain % ke hisaab se interest milta hai. Agle saal aapko us interest ke upar bhi interest milta hai.
Yahi hota hai Compound Interest – interest on interest.
๐น Simple Interest vs Compound Interest
| Factors | Simple Interest (SI) | Compound Interest (CI) |
|---|---|---|
| Interest calculate | Sirf Principal par | Principal + Interest dono par |
| Growth rate | Dheere | Tezi se |
| Return | Kam | Zyada |
๐น Ek Simple Example se Samjhte hain:
✅ Principal (Invested Amount): ₹10,000
✅ Interest Rate: 10% per year
✅ Time: 3 years
๐ธ Simple Interest:
SI = P × R × T / 100
= 10,000 × 10 × 3 / 100 = ₹3,000
Total: ₹13,000 (after 3 years)
๐ธ Compound Interest:
Year 1: ₹10,000 × 10% = ₹1,000 → ₹11,000
Year 2: ₹11,000 × 10% = ₹1,100 → ₹12,100
Year 3: ₹12,100 × 10% = ₹1,210 → ₹13,310
Compound Interest: ₹3,310
Total: ₹13,310 (after 3 years)
๐ ₹310 zyada mile Compound Interest me!
๐น Compound Interest ke Benefits:
-
Zyada returns milte hain long term me
-
Early investing ka faayda uthaya ja sakta hai
-
Retirement planning aur wealth building ke liye best
๐น Kahan milta hai Compound Interest?
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Bank Fixed Deposits (FDs)
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Recurring Deposits (RDs)
-
Mutual Funds
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Public Provident Fund (PPF)
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SIP (Systematic Investment Plan)
๐น Conclusion:
Compound Interest ek aisi financial magic trick hai jo samajhne me simple hai, lekin iska impact life-changing ho sakta hai. Jaldi invest karke, regular investing se aap future me crorepati ban sakte ho — bas patience aur discipline hona chahiye.
