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.
Turant hisaab
Number kaise nikalta 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
Asli zindagi ki teen misaal
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.
Ye galtiyan mat kijiye
- 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.
Bharatiya sthiti 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.
Aage ye bhi dekhiye
Byaj ke aam sawaal — sainkda, mahina aur saal
Log ise kai naam se khojte hain — byaj calculator, sadharan byaj calculator, simple byaj, monthly byaj. Sab ek hi hisaab hain, bas dekhne ka tarika alag hai.
Mahine ka byaj = Saal ka byaj ÷ 12
₹1,00,000 par 12% saalana:
| Samay | Sadharan byaj |
|---|---|
| 1 mahina | ₹1,000 |
| 6 mahine | ₹6,000 |
| 1 saal | ₹12,000 |
| 3 saal | ₹36,000 |
Gaon ka "rupaye sainkda" hisaab
Bharat ke bade hisse me byaj aaj bhi rupaye sainkda per mahina me bola jaata hai. "Do rupaye sainkda" ka matlab hai ₹100 par ₹2 per mahina.
| Sainkda (per mahina) | Saalana dar |
|---|---|
| ₹1 | 12% |
| ₹1.5 | 18% |
| ₹2 | 24% |
| ₹3 | 36% |
| ₹5 | 60% |
Compound byaj isse alag hai aur usme byaj par bhi byaj lagta hai — wo Compound Interest Calculator me dekhiye. Aur agar kisti me chukana hai to EMI Calculator ya EMI se byaj dar zyada sahi jawab dega.
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.
Byaj kaise nikalte hain?
Sadharan byaj = mool × dar × samay ÷ 100. ₹1 lakh par 12% saalana ka matlab saal ka ₹12,000 aur mahine ka ₹1,000.
Do rupaye sainkda ka matlab kya hai?
₹100 par ₹2 per mahina — yaani 24% saalana. Sunne me chhota lagta hai par ye bank ke personal loan se lagbhag dugna hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: