Punjabi

Xwd rKo ik ieho ijhy mwfl iksy Kws p`Dr dI Awmdn leI B`ivK bwxI leI iqAwr nhIN kIqygey[ sMp`qI dw AwvMtn jo^m ƒ kuJ Gtw skdw hY, pr ieh quhwfI soc qoN G`t Awmdn/munwPw/lwBimlx dI sMBwvnw ƒ pUrI qrHW Kqm nhIN krdw[ ieh vI iDAwn rKo ik sMp`qI dw AwvMtn sQweInhIN huMdw ikauNik smyN dy bIqn nwl ijauN-ijauN qusIN AwpxI syvw inivRqI dI aumr dy nyVy AwauNdy ho,ho skdw hY ik qusIN iSAr ivc lwey Awpxy pYsy ƒ iksy rUVHIvwdI ivklp ivc lwaux bwry ivcwr kroqW jo qusIN bwzwr ivc CotI AvDI dy nukswnw qoN Awpxy invyS ƒ bcw sko[ invyS krn qoN pihlWvsqU dI pUrI jwxkwrI hoxw zrUrI hY[10. ivAwj dr ivAwjiksy vI hor qwkq jW Skqi nwloN smyN dw quhwfy invyS aupr sB qoN v`D pRBwv pYNdw hY[ivAwj dr ivAwj dI SkqI nwl, pYsy dI CotI ijhI rwSI kuJ smyN ivc iek TIk-Twk rkm bxskdI hY[ ivAwj-dr-ivAwj invySk dw sB qoN cMgw dosq huMdw hY[ invyS smyN nwl v`D jWdw hYAqy smW ijMnw izAwdw hovy rkm aunHI izAwdw v`D skdI hY[ ieh aus Awmdn nwl mumikn hY jokmweI qW jWdI hY pr KrcI nhIN jWdI[ jdoN Awmdn ƒ dubwrw invyS kIqw jWdw hY qW qusIN Awmdnqy Awmdn Aqy iesy prkwr kwmauNdy ho[ ies leI, ieh zrUrI hY ik qusIN jldI bcq krnI SurUkr idau qW jo qusIN ivAwj-dr-ivAwj dw lwB lY sko[pYsy dI smyN muqwbk kImq pYsy dI auh kImq hY jo iksy inSicq smyN ivc inSicq rwSI auprivAwj dy rUp ivc kmweI jWdI hY[ ijvyN ik 5% dI ivAwj dr aupr iek swl leI A`j invySkIqw 100 rupey swl bwAd 105 ho jweygw[ Bwv invySk duAwrw A`j id`qw igAw 100 rupey iekswl bwAd id`qy 105 qoN &rk nhIN hY[B`ivK ivc imlx vwlI kul rwSI dw mulWkx krn leI hr swl hox vwlI Awmdn ƒ v`Krw-v`KrwkF ky Awps ivc joV ilAw jWdw hY ijs nwl B`ivK ivc imlx vwlI kul rwSI dI A`j kI kImq hYpqw cl jWdI hY[ ies le pI.vI dw Bwv hY B`ivK dy pYsy dI A`j ivc kImq[ ijvyN ik iksy iekswl ivc B`ivK ivc imlx vwlI rwSI dw mulWkx id`qI jwx vwlI ivAwj dr qy krn nwl A`j dIkImq dI rwSI kfI jw skdI hY[PV= FV/(1+r)B`ivK ivc AwauNx vwly pYsy dw mulWkx Cut dr qy kqw jWdw hY, Cut dr ijnHI izAwdw hovygI, B`ivKivc imlx vwly pYsy dI A`j ivc kImq aunHIN G`t hovygI[ invyS ivc pYsy dI smyN Anuswr kImq dwmh`qv Aqy pYsy dI kImq jW mul ƒ bcweI jW bxweI r`Kxw mh`qvpUrn huMdw hY[ quhwƒ Awpxy pYsy dymUl ƒ bxweI r`Kx leI invyS krnw cwhIdw hY[kwrj: aunHW cIzw dI sUcI iqAwr kro ijnHW ƒ qusIN Aksr iesqmwl krdy ho Aqy aunHW dI A`j ivckImq Aqy 10 swl pihlW dI kImq ilKo[ donW kImqW dI qulnw kro Aqy dyKo ik ikvyN smyN nwl pYsydI kImq ivc bdlwv AwauNdw hY[15