📅 Last updated: October 2026
Aam combinations par kitna byaj banta hai:
| Principal | Rate | Time | Interest | Total |
|---|---|---|---|---|
| ₹1,00,000 | 8% | 5 saal | ₹40,000 | ₹1,40,000 |
| ₹50,000 | 6% | 3 saal | ₹9,000 | ₹59,000 |
| ₹2,00,000 | 7.5% | 2 saal | ₹30,000 | ₹2,30,000 |
| ₹1,00,000 | 8% | 6 mahine | ₹4,000 | ₹1,04,000 |
Simple interest wo byaj hai jo sirf mooldhan (principal) par lagta hai. Byaj par byaj nahi lagta — har saal same amount ka byaj banta hai. Formula yaad rakhna aasaan hai: SI = (P × R × T) ÷ 100. Jaise ₹1,00,000 par 8% se 5 saal = (1,00,000 × 8 × 5) ÷ 100 = ₹40,000.
Compound interest me byaj par bhi byaj lagta hai, isliye lambi avadhi me wo simple interest se zyada badhta hai. 1-2 saal ke chhote tenure par farak mamuli hota hai, par 10-20 saal me farak bahut bada ho jata hai. Isliye investments me compounding ka jadoo kehte hain!
Short-term loans, kuch fixed deposits ka approximate hisaab, doston-rishtedaron ke beech udhaar, aur school-college ke maths problems — har jagah simple interest ka use hota hai. Bank FDs me aam taur par quarterly compounding hoti hai, par simple interest se minimum byaj ka andaza turant lag jata hai.
Rate hamesha annual (% p.a.) me daalein aur time ko saalon me convert karein — months ko 12 se, days ko 365 se divide karke. Galat unit sabse aam galti hai; ye calculator unit select karne par conversion khud kar leta hai.
Principal, rate aur time daalo — byaj turant dekho.
Total simple interest
₹40,000
byaj (interest)
SI = P × R × T ÷ 100 — T hamesha saalon me (months ÷ 12, days ÷ 365).
⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.
SI = (P × R × T) ÷ 100
Total Amount = P + SI
T hamesha saalon me — months ÷ 12, days ÷ 365.
Example: ₹1,00,000 principal, 8% annual rate, 5 saal → SI = (1,00,000 × 8 × 5) ÷ 100 = ₹40,000; total = ₹1,40,000. Wahi paisa sirf 6 mahine ke liye ho to T = 0.5 saal → SI = ₹4,000.
Simple interest wo byaj hai jo sirf mooldhan (principal) par lagta hai — byaj par byaj nahi lagta. Formula: (Principal × Rate × Time) ÷ 100. Jaise ₹1,00,000 par 8% rate se 5 saal me ₹40,000 byaj banega.
Simple interest me byaj sirf principal par lagta hai, har saal same amount. Compound interest me byaj par bhi byaj lagta hai, isliye lamba time par compound interest zyada badhta hai. Chhote tenure par farak kam dikhta hai.
SI = (P × R × T) ÷ 100, jahan P = principal (mooldhan), R = annual interest rate (%), T = time saalon me. Total amount = P + SI. Time months me ho to 12 se, days me ho to 365 se divide karke saal me badlein.
Months ko 12 se divide karke saal banayein — jaise 18 mahine = 1.5 saal. Days ko 365 se divide karein — jaise 90 din ≈ 0.25 saal. Phir wahi formula lagayein. Ye calculator unit select karne par conversion khud kar leta hai.
Zyadatar bank FDs par quarterly compounding hoti hai, matlab effectively compound interest milta hai. Lekin kuch short-term deposits aur informal udhaar me simple interest use hota hai. Simple interest se aap minimum expected byaj ka andaza laga sakte ho.