Simple Interest Calculator
Saral byaj wo hota hai jo sirf mool rakam par lagta hai — jo byaj bana, usme aage byaj nahi judta. Gaon-dehat ke lenden, kuch gold loan, kai vehicle loan aur school ke ganit — sab me yahi chalta hai. Ye calculator seedha byaj aur kul rakam dono nikaal deta hai.
Calculator
Kaise banta hai
Simple interest me har saal barabar byaj banta hai. ₹1 lakh par 8% saalana matlab har saal ₹8,000 — chahe 2 saal ho ya 20. Compound interest me byaj bhi mool me jud kar aage byaj kamata hai, isliye samay badhne par dono ka farak tezi se badhta jaata hai.
Kul rakam = P + SI
P = mool, R = saalana dar, T = saal
Teen asli misaal — number ke saath
Misaal 1 — lamba samay. ₹4,00,000 par 8% dar, 35 saal. Byaj = 4,00,000 × 8 × 35 ÷ 100 = ₹11,20,000, aur kul rakam ₹15,20,000.
Misaal 2 — chhota lenden. ₹50,000, 12% dar, 2 saal. Byaj ₹12,000, kul ₹62,000.
Misaal 3 — simple vs compound. ₹1 lakh, 10% dar, 10 saal. Simple interest se byaj ₹1,00,000 (kul ₹2 lakh). Wahi compound (saalana) se kul lagbhag ₹2,59,000. Yaani ₹59,000 ka farak sirf byaj jodne ke tareeke se.
Log yahan galti kya karte hain
- Mahine ki dar ko saalana samajh lena. "2% byaj" bolne wale aksar mahine ka matlab rakhte hain — jo saal ka 24% hota hai. Hamesha poochhein ki dar mahine ki hai ya saal ki.
- Adhoore saal ka hisaab galat lagana. 8 mahine ka matlab 0.67 saal hota hai. Poora saal ginne se byaj zyada nikal aata hai.
- Loan ko simple maan lena. Zyadatar bank loan reducing balance par chalte hain, simple interest par nahi. EMI wale loan ke liye EMI calculator istemaal karein.
- Likhit kaagaz na banana. Nijee lenden me rakam, dar, tareekh aur wapasi ka samay likhit me rakhein — baad ka jhagda bach jaata hai.
- Bahut oonchi dar maan lena. Mahine 5-10% maangne wale saal ka 60-120% le rahe hote hain. Aise lenden se door rahein.
Bharat me khaas baatein
- Kahan lagta hai: Kai gold loan, kuch vehicle loan, chhoti avadhi ke nijee lenden aur padhai ke sawaal.
- Bank loan: Home aur personal loan aam taur par reducing balance par hote hain — wahan EMI calculator theek rehta hai.
- FD/RD: Bank inpar compounding karte hain, isliye simple interest ka number kam nikalta hai.
- Flat rate ka jaal: "Flat 6%" sunne me sasta lagta hai, par reducing balance me ye lagbhag 11-12% ke barabar padta hai.
- Likhawat: Kisi ko udhaar dete waqt tareekh, dar aur rakam likhit me lein.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
Simple interest ka formula kya hai?
SI = (P × R × T) ÷ 100, jahan P mool, R saalana dar aur T saal hai.
Simple aur compound interest me kya farak hai?
Simple me byaj sirf mool par lagta hai. Compound me bana hua byaj bhi aage byaj kamata hai.
Mahine ka byaj kaise nikaalein?
Saalana dar ko 12 se bhaag dein. 12% saalana = 1% mahina.
Kya bank FD simple interest deti hai?
Nahi, zyadatar bank quarterly compounding karte hain.
Aadhe saal ka byaj kaise ginein?
T me 0.5 daalein. 6 mahine = 0.5 saal.