Punjabi

B`ivK leI bxweI Xojnw ivc inrDwirq lkS Aqy audyS Swml huMdy hn[hryk lkS leI, do bhuq hI mh`qvpUrn pihlUAW ƒ iDAwn ivc zrUr r`Ko, pihlw joKm sihx dISkqI Aqy dUjw iks smyN sImw AMDr qusIN Awpxy lkSw ƒ pRwpq krnw cwhuMdy ho[ joKm ƒ sihx dwquhwfw ivAkqIgq p`Dr quhwƒ ihswb lwaux ivc mdd krdw hY ik qusIN iks isikaurtI ivc AqykdoN q`k invyS krnw cwhuMdy ho qW jo qusIN Awpxy audySw ƒ pUrw kr sko[ iv`qI XojnwvW dI imAwdhwsl krn vwly lkSw au~qy inrBr krdI hY[ ieh CotI AvDI, m`Dm Aqy lMmI AvDI dy audySw dyihswb nwl huMdy hn[ CotI AvDI dy lkSw dw dwierw iek qoN iqMn swldy drimAwn dw huMdw hY ijvyNivdyyS Cu`tIAW mnwaux dI Xojnw, m`Dm AvDI dy lkSW dw dwierw iqMn qoN pMj swl dy drimAwn dwhuMdw hY ijvyN nvIN g`fI KrIdx dI Xojnw Aqy lMmI AvDI dy lkSW dw dwierw pMj jW aus qoN v`DswlW dw huMdw hY ijvyN nvW Gr KrIdx jW syvw inivRqI dI Xojnw[quhwƒ AwpxI swlwnw Awmdn Aqy bcq dy sqr ƒ iDAwn ivc r`Kxw bhuq zrUrI hY[ ijvyN ik qusIN1,80,000 rupey swlwnw kmwauNdy ho Aqy aus dw 20% (36,000 rupey) bcq krdy ho[ qusIN Awpxyb`cy ƒ pVHweI pUrI krn leI muMbeI Byjxw cwhuMdyho ijs dw AMdwzn Krcw 2,00,000 rupey bYTygw[quhwfw b`cw cwr swlW ivc AwpxI hwier skYNfrI dI pVHweI pUrI krygw[ ies dw Bwv ik qusIN jo^mauTwaux dI AwpxI Smqw muqwbk hI ies kMm leI pYsw lwaugy[ jy qusIN joKm auTwaux qoN frdy ho qWquhwfI Awpxy byty ƒ pVHweI pUrI krn leI muMbeI Byjx dy Awpxy supny ƒ pUrw krn ivc prySwnIhovygI[ pr jy qusIN joKm lYx qoN frdy nhIN ho qW ieh mumikn hY ik qusIN Aijhy PMfW jW iSArW ivcpYsw invyS kro ijs ivc joKm Aqy Awmdn dovyN ijAwdw hovy[ iksy ƒ vI invyS krn qoN pihlW ausPMf nwl juVy joKm Aqy Awmdn bwry pUrI jwxkwrI lY lYxI cwhIdI hY[ mn lau ik qusIN 36,000rupey pihly swl ivc invyS krdy ho, 25,000 rupey dUsry swl, 30,000 rupey qIsry Aqy cOQy swlqW cwr swlW bwAd quhwfw kul invyS 1,21,000 ho jWdw hY[ ies dw mqlb ieh hoieAw ik isrPAijhy isikaurtI invyS krn dw lwB hY ijs ivc AOsqn 22% dI Awmdn hovy, qW hI qusIN Awpxyb`cy ƒ muMbeI Byj ky pVHwaux dy supny ƒ pUrw kr skogy[AsIN ies jvwb qy ikvyN phuMcy?B`ivK mwn dy sU`qr dw pRXog kr ky AsIN vwpsI dI loVINdI dr dw ihswb lw skdy hW, qusIN ies ƒAwp vI kr skdy ho ikauNik ies ivc K`bY h`Q vwlw ih`sw = s`jy h`Q vwly ih`swFV=Σ[PV(1+r)n] = PV(1+r) 4 + PV(1+r) 3 + PV(1+r) 2 + PV(1+r) 1ij`Qy FV = B`ivK mwn, PV = vrqmwn mwn, R = vwpsI dI dr, N = swlW dI igxqI2,00,000 = 36,000 (1.22) 4 + 25,000 (1.22) 3 + 30,000 (1.22) 2 + 30,000 (1.22) 12,00,000 = 79752.044 + 45396.2 + 44652 + 366002,00,000 = 206,400.244ies dw mqlb ik AMdwzn 22% ivAwj dr dy cwr swlW leI kIqw igAw 1,21,000 dw invyS2,06,400.244 bx jweygw[ iv`qI XojnwvW leI ivhwrk hoxw bhuq zrUrI hY; Awpxy Awp kolo pu`Co ikkI qusIN Aijhw jo^m cuk skdy ho ijs nwl quhwƒ 22% dI Amdn hovy[ ies leI bjwey iesdy ikAwpxw pYsw AijhI QW lwauxw ij`Qy jo^m bhuq izAwdw hovy, rwey ieh id`qI jWdI hY ik suriKAq QWpYsw lwieAw jwvy jW AwpxI bcq dI rwSI ƒ vDwieAw jwvy jW bcq krn CyqI SurU kr id`qw jwvy[9