PaisaPushan · Class 9-10
Paisa badha, par kya tum ameer hue?
Bank ne tumhare Rs 1000 ko saal bhar mein Rs 1060 bana diya. Par agar cheezein bhi mehngi ho gayi, toh asli fayda kitna?
Socho pehle… phir dekho jawab
Asli fayda = bank ka byaaj minus mehngaai (inflation), mote taur par. Byaaj 6% aur mehngaai 5% ho toh tumhari khareedne ki taakat sirf lagbhag 1% badhi. Isse real return kehte hain.
Neeche ke saare numbers sirf example hain, aaj ke asli rates nahin. Maano bank 6% saalana byaaj deta hai. Rs 1000 ek saal mein Rs 1060. Par agar jo chocolate pichhle saal Rs 100 ki thi, ab Rs 105 ki hai (5% inflation), toh tumhara naya paisa utna kamaal nahin jitna dikhta hai.
Jo number bank batata hai woh nominal rate hai. Mehngaai ghata kar jo bachta hai woh real rate. Agar mehngaai byaaj se zyada ho jaaye, toh real rate negative — paisa bank mein badh raha hai, par uski taakat ghat rahi hai. Isliye sirf 'kitne rupaye' nahin, 'kitna khareed paunga' poochho.
Compound interest yahan dost hai: byaaj par bhi byaaj lagta hai. Ek aasaan tareeka, Rule of 72: 72 ko byaaj dar se bhaag do, lagbhag itne saal mein paisa double. Example: 6% par 72/6 = lagbhag 12 saal. Jaldi bachat shuru karna isliye itna powerful hai.
Ghar pe try karo
Ghar ke kisi bade se poochho: 5-10 saal pehle doodh, petrol ya ek samosa kitne ka tha, aur aaj kitne ka hai. Percentage badhat nikaalo. Yahi mehngaai ko 'mehsoos' karna hai.
Wow!
Tijori mein rakha paisa kabhi 'ghat' nahin dikhta — par mehngaai chupchaap uski taakat kha jaati hai.
3 sawaal
- Example: byaaj 7%, mehngaai 4%. Real return lagbhag kitna?
Jawab dekho
3%. Real rate mote taur par nominal minus inflation = 7 - 4 = 3%.
- Rule of 72 se 8% par paisa lagbhag kitne saal mein double hoga?
Jawab dekho
9 saal. 72 / 8 = 9 saal (ek approximate niyam).
- Real interest rate negative kab hota hai?
Jawab dekho
Jab mehngaai byaaj dar se zyada ho. Mehngaai byaaj se tez badhe toh paise ki khareedne ki taakat ghatti hai.
NCERT se jodo: NCERT Class 10 Economics — money aur credit (bank deposits aur byaaj)