What will be the difference between simple interest and annual compound interest on a loan of ₹1,20,000 at 6% per annum after 2 years?₹1,20,000 के ऋण पर 6% वार्षिक साधारण ब्याज और 6% वार्षिक चक्रवृद्धि ब्याज में 2 वर्षों बाद कितना अंतर होगा?
Answer and explanationउत्तर और व्याख्या
Correct answer:सही उत्तर: ₹432₹432
Simple interest for 2 years = ₹1,20,000 × 6/100 × 2 = ₹14,400. Compound interest = ₹1,20,000[(1.06)² − 1] = ₹14,832. Therefore, the difference is ₹14,832 − ₹14,400 = ₹432. ₹14,400 and ₹14,832 are the respective simple and compound interest amounts, not their difference. Exam tip: for 2 years of annual compounding, the difference equals the interest earned on the first year’s interest in the second year.2 वर्षों का साधारण ब्याज = ₹1,20,000 × 6/100 × 2 = ₹14,400। चक्रवृद्धि ब्याज = ₹1,20,000[(1.06)² − 1] = ₹14,832। अतः अंतर = ₹14,832 − ₹14,400 = ₹432। ₹14,400 और ₹14,832 क्रमशः साधारण तथा चक्रवृद्धि ब्याज हैं, अंतर नहीं। परीक्षा-युक्ति: 2 वर्षों के लिए वार्षिक चक्रवृद्धि और साधारण ब्याज का अंतर दूसरे वर्ष के ब्याज पर प्राप्त ब्याज के बराबर होता है।
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