Compound Interest Kya Hai?
Compound interest ka matlab hai “interest on interest” — yaani jo interest aapko har period mein milta hai, woh aapke principal mein add ho jata hai, aur agle period mein interest us badhe hue amount par calculate hota hai. Isi wajah se paisa simple interest ke comparison mein kaafi tezi se grow karta hai, especially jab investment period lamba ho.
Formula hai: A = P (1 + r/n)n·t, jahan P principal hai, r annual rate hai, n compounding frequency hai (jitni baar saal mein interest add hota hai), aur t total years hai. Compounding jitni frequent hogi (jaise monthly vs yearly), utna hi thoda zyada final amount milega, kyunki interest jaldi-jaldi principal mein add hota rehta hai.
Example
Agar aap ₹1,00,000 invest karte hain 10% annual rate par, quarterly compounding ke saath, 10 saal ke liye:
A = 1,00,000 × (1 + 0.10/4)4×10 ≈ ₹2,70,148
Total Investment = ₹1,00,000, aur Total Interest Earned ≈ ₹1,70,148 — sirf compounding ki wajah se aapka paisa 2.7x ho gaya, bina koi extra contribution kiye.