{"id":24348,"date":"2022-05-30T14:23:02","date_gmt":"2022-05-30T14:23:02","guid":{"rendered":"https://www.5paisa.com/finschool/?post_type=markets\u0026#038;p=24348"},"modified":"2026-10-15T14:38:49","modified_gmt":"2026-10-15T09:08:49","slug":"personal-finance-math","status":"publish","type":"markets","link":"https://www.5paisa.com/finschool/course/financial-planning-through-mutual-funds-course/personal-finance-math/","title":{"rendered":"Personal Finance Math"},"content":{"rendered":"\u003cdiv data-elementor-type=\u0022wp-post\u0022 data-elementor-id=\u002224348\u0022 class=\u0022elementor elementor-24348\u0022\u003e\u003csection class=\u0022elementor-section elementor-top-section elementor-element elementor-element-0ac7e7a elementor-section-full_width tab_container elementor-section-height-default elementor-section-height-default\u0022 data-id=\u00220ac7e7a\u0022 data-element_type=\u0022section\u0022\u003e\u003cdiv class=\u0022elementor-container 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/\u003e\u003c/p\u003e\u003cp\u003eપૈસા પાછળ ગણિતને સમજવું એ વ્યક્તિગત ફાઇનાન્સનો પાયો છે. ઇન્ટરેસ્ટ, વળતર અને સંયોજન કેવી રીતે કામ કરે છે તે સમજ્યા વિના, બચત, લોન અથવા રોકાણો વિશે માહિતગાર નિર્ણયો લેવા અશક્ય છે. આ પ્રકરણમાં સરળ અને ચક્રવૃદ્ધિ ઇન્ટરેસ્ટ, વળતર કેવી રીતે માપવામાં આવે છે, ચક્રવૃદ્ધિ અસર, નાણાંનું સમય મૂલ્ય, SIP, ફુગાવો અને ડેબ્ટ, એવી કલ્પનાઓ છે જે સંપત્તિ સર્જનની કરોડરજ્જુ બનાવે છે.\u003c/p\u003e\u003cp\u003eવ્યાજની ગણતરી કરવા માટે સરળ ઇન્ટરેસ્ટ મૂળભૂત રીત છે. મૂળ મુદ્દલ રકમ પર સરળ ઇન્ટરેસ્ટ વસૂલવામાં આવે છે અને તે અગાઉ કમાયેલ કોઈપણ વ્યાજને ધ્યાનમાં લેતું નથી.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eઉદાહરણ: મિત્રને ધિરાણ આપવું\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eધારો કે તમે તમારા મિત્રને 10% ના ઇન્ટરેસ્ટ દરે 5 વર્ષ માટે ₹1,00,000 ઉધાર આપો છો.\u003c/p\u003e\u003cul\u003e\u003cli\u003eમુદ્દલ (P): ₹ 1,00,000\u003c/li\u003e\u003cli\u003eદર (R): 10 % પ્રતિ વર્ષ\u003c/li\u003e\u003cli\u003eસમય (T): 5 વર્ષ\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eસૂત્ર, ઇન્ટરેસ્ટ માટે છે:\u003c/p\u003e\u003cp\u003eવ્યાજ = P ⋅ R ⋅ T\u003c/p\u003e\u003cp\u003e=1,00,000⋅10%⋅5= ₹50,000\u003c/p\u003e\u003cp\u003eતેથી 5 વર્ષના અંતે તમે સરળ ઇન્ટરેસ્ટ તરીકે ₹50,000 કમાવો છો. તમારા મિત્ર ₹1,00,000 મુદ્દલમાં ₹1,50,000 ની ચુકવણી કરે છે + ₹50,000 સરળ ઇન્ટરેસ્ટ).\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવાર્ષિક વિવરણ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eબાકી મુદ્દલ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eકમાયેલ વ્યાજ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eકુલ મૂલ્ય\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e1\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,00,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,10,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e2\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,00,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,20,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e3\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,00,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,30,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e4\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,00,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,40,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e5\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,00,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,50,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003eNotice that the interest is \u003cstrong\u003e\u003cb\u003econstant every year\u003c/b\u003e\u003c/strong\u003e because it is always calculated on the original principal.\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide02\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Compound-Interest\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch3 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e2.2 \u003c/strong\u003e\u003cstrong\u003e\u003cb\u003eકમ્પાઉન્ડ વ્યાજ\u003c/b\u003e\u003c/strong\u003e\u003c/h3\u003e\u003cp\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77784 size-full\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Compound-Interest.png\u0022 alt=\u0022Compound Interest\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Compound-Interest.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compound-Interest-300x300.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compound-Interest-1024x1024.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compound-Interest-150x150.png 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compound-Interest-768x768.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compound-Interest-50x50.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compound-Interest-100x100.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compound-Interest-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eચક્રવૃદ્ધિ ઇન્ટરેસ્ટ વધુ શક્તિશાળી છે કારણ કે તે માત્ર મુદ્દલ પર જ નહીં પરંતુ સંચિત ઇન્ટરેસ્ટ પર પણ વ્યાજની ગણતરી કરે છે. કમ્પાઉન્ડિંગને ઘણીવાર \u00228th વન્ડર ઑફ ધ વર્લ્ડ\u0022 કહેવામાં આવે છે - એક લાઇન લોકપ્રિય રીતે આલ્બર્ટ આઇન્સ્ટાઇનને આભારી છે, જો કે તેમણે ક્યારેય કહ્યું તે કોઈ પુરાવા નથી.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eચક્રવૃદ્ધિ ઇન્ટરેસ્ટ માટે ફોર્મ્યુલા\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e\u003cstrong\u003eA = P * (1+r)\u003csup\u003et\u003c/sup\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eજ્યાં:\u003c/p\u003e\u003cul\u003e\u003cli\u003e= અંતિમ રકમ\u003c/li\u003e\u003cli\u003e= મુદ્દલ\u003c/li\u003e\u003cli\u003e= વ્યાજ દર પ્રતિ સમયગાળો\u003c/li\u003e\u003cli\u003e= અવધિની સંખ્યા\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઉદાહરણઃ એક જ લોન, વાર્ષિક ચક્રવૃદ્ધિ થાય છે\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eમુખ્ય (પી):\u003c/b\u003e\u003c/strong\u003e₹1,00,000\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eરેટ (R):\u003c/b\u003e\u003c/strong\u003e10%\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eસમય (T):\u003c/b\u003e\u003c/strong\u003e5 વર્ષ\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eA =1,00,000 * (1+0.10)\u003csup\u003e5 \u003c/sup\u003e=1,00,000 *1.61051\u003cstrong\u003e\u003cb\u003e = \u003c/b\u003e\u003c/strong\u003e 1,61,051\u003c/p\u003e\u003cp\u003eઅહીં, કમાયેલ કુલ ઇન્ટરેસ્ટ ₹61,051 છે-સામાન્ય ઇન્ટરેસ્ટમાંથી ₹50,000 કરતાં નોંધપાત્ર રીતે વધુ છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવાર્ષિક વિવરણ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષના અંતે રકમ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eતે વર્ષે મળેલ ઇન્ટરેસ્ટ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eસંચિત કુલ વ્યાજ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e1\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,10,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e2\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,21,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹11,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹21,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e3\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,33,100\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹12,100\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹33,100\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e4\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,46,410\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹13,310\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹46,410\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e5\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹1,61,051\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹14,641\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹61,051\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003eનોંધ કરો કે દર વર્ષે ઇન્ટરેસ્ટ કેવી રીતે વધે છે કારણ કે તેની ગણતરી કરવામાં આવે છે \u003cstrong\u003e\u003cb\u003eનવું બૅલેન્સ\u003c/b\u003e\u003c/strong\u003e.\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide03\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Compounded-Returns\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e2.3\u003cspan style=\u0022color: #f1566d\u0022\u003e. \u003c/span\u003e\u003c/strong\u003e\u003cstrong\u003e\u003cb\u003eચક્રવૃદ્ધિ રિટર્ન\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77785 size-full\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Compounded-Returns.png\u0022 alt=\u0022Compounded Returns\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Compounded-Returns.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounded-Returns-300x300.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounded-Returns-1024x1024.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounded-Returns-150x150.png 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounded-Returns-768x768.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounded-Returns-50x50.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounded-Returns-100x100.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounded-Returns-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eWhen you invest money, the concept of \u003cstrong\u003e\u003cb\u003eરિટર્ન\u003c/b\u003e\u003c/strong\u003e mirrors interest. If you borrow, you pay interest; if you invest, you earn returns. Returns can be measured in two ways:\u003c/p\u003e\u003col\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eસંપૂર્ણ રિટર્ન\u003c/b\u003e\u003c/strong\u003e– જ્યારે ઇન્વેસ્ટમેન્ટ ક્ષિતિજ એક વર્ષથી ઓછા હોય ત્યારે ઉપયોગમાં લેવાય છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eકમ્પાઉન્ડ વાર્ષિક વિકાસ દર (સીએજીઆર)\u003c/b\u003e\u003c/strong\u003e– જ્યારે ક્ષિતિજ એક વર્ષ અથવા વધુ હોય ત્યારે ઉપયોગમાં લેવાય છે.\u003c/li\u003e\u003c/ol\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઉદાહરણ: સંપૂર્ણ રિટર્ન\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eતમે 1 જાન્યુઆરી 2019 ના રોજ ₹1,00,000 નું રોકાણ કરો છો અને તેને 1 જુલાઈ 2019 (છ મહિના પછી) ના રોજ ₹10,000 ના લાભ સાથે ઉપાડો છો.\u003c/p\u003e\u003cp\u003eસંપૂર્ણ રિટર્ન = ગેઇન/પ્રિન્સિપલ \u003c/p\u003e\u003cp\u003e                              = 10000/1.00,000 \u003c/p\u003e\u003cp\u003e                               = 10%                              \u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઉદાહરણ: CAGR\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eતમે ₹1,00,000 ઇન્વેસ્ટ કરો છો અને 3 વર્ષ પછી ₹1,33,100 ઉપાડો છો.\u003c/p\u003e\u003cp\u003eCAGR =(1,33,100/1,00,000) \u003csup\u003e1/3 \u003c/sup\u003e-1 = 10%\u003c/p\u003e\u003cp\u003eસીએજીઆર એકથી વધુ વર્ષોમાં વૃદ્ધિ દરને સરળ બનાવે છે, જે રોકાણોની તુલના કરવાનું સરળ બનાવે છે.\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide04\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027The-Compounding-Effect\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e2.4. \u003c/strong\u003e\u003cstrong\u003e\u003cb\u003eકમ્પાઉન્ડિંગની અસર\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77786 size-full\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/The-Compounding-Effect.png\u0022 alt=\u0022The Compounding Effect\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/The-Compounding-Effect.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/The-Compounding-Effect-300x300.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/The-Compounding-Effect-1024x1024.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/The-Compounding-Effect-150x150.png 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/The-Compounding-Effect-768x768.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/The-Compounding-Effect-50x50.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/The-Compounding-Effect-100x100.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/The-Compounding-Effect-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eકમ્પાઉન્ડિંગ એ કમાણીનું ફરીથી ઇન્વેસ્ટમેન્ટ છે. નફો ઉપાડવાને બદલે, તમે તેમને રોકાણ રાખવા દો છો, તેથી તેઓ અતિરિક્ત રિટર્ન જનરેટ કરે છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઉદાહરણ: 20% વૃદ્ધિ પર ₹100\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003eવર્ષના અંત 1 : ₹100 → ₹120\u003c/li\u003e\u003cli\u003eવર્ષના અંત 2 : ₹120 → ₹144\u003c/li\u003e\u003cli\u003eવર્ષના અંત 3 : ₹144 → ₹172.80\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eજો તમે દર વર્ષે ₹20 નો નફો પાછો ખેંચી લીધો હોય, તો તમારી પાસે માત્ર ₹160 (₹100 મુદ્દલ + ₹60 નફો) હશે. ફરીથી રોકાણ કરીને, તમે ₹172.80-an સાથે સમાપ્ત થશો માત્ર રોકાણ કરીને અતિરિક્ત ₹12.80.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eલાંબા ગાળાની વૃદ્ધિ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eમૂલ્ય (20% સીએજીઆર, નજીકના ₹ સુધી રાઉન્ડ કરેલ)\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e1\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e₹120\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e2\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹144\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e3\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹173\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e4\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹207\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e5\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹249\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e6\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e₹298\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e7\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹358\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e8\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹430\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e9\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e₹516\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e10\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹619\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003eઆ ટેબલ દર્શાવે છે કે સમય જતાં સંપત્તિ કેવી રીતે ઍક્સિલરેટ થાય છે. તમે જેટલું લાંબા સમય સુધી રોકાણ કરશો, તેટલું વધુ શક્તિશાળી સંયોજન બને છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eમુખ્ય તફાવતો: સરળ વિરુદ્ધ ચક્રવૃદ્ધિ વ્યાજ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eફીચર\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eસરળ વ્યાજ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eકમ્પાઉન્ડ વ્યાજ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઆધાર\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eમાત્ર મુદ્દલ પર\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eમુદ્દલ પર + સંચિત વ્યાજ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવૃદ્ધિ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eલીનિયર\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eએક્સપોનેન્શિયલ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eફોર્મ્યુલા\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eP*R*T\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eP*(1+R)\u003csup\u003eT\u003c/sup\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઉદાહરણ (₹1,00,000, 10%, 5 વર્ષ)\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹50,000 ઇન્ટરેસ્ટ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹61,051 ઇન્ટરેસ્ટ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eપર્સનલ ફાઇનાન્સમાં ચક્રવૃદ્ધિ શા માટે મહત્વપૂર્ણ છે\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eસેવિંગ એકાઉન્ટ\u003c/b\u003e\u003c/strong\u003e– બેંકો થાપણો વધારવા માટે ચક્રવૃદ્ધિ વ્યાજનો ઉપયોગ કરે છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eફિક્સ્ડ ડિપોઝિટ\u003c/b\u003e\u003c/strong\u003e– સંચિત FD સામાન્ય રીતે ત્રિમાસિક ધોરણે ઇન્ટરેસ્ટ ભેગું કરે છે અને મેચ્યોરિટી પર તેની ચુકવણી કરે છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eમ્યુચ્યુઅલ ફંડ\u003c/b\u003e\u003c/strong\u003e– વૃદ્ધિના વિકલ્પમાં, લાભ ફંડમાં રોકાણ કરે છે અને તે તેના એનએવીમાં પ્રતિબિંબિત થાય છે, જે કમ્પાઉન્ડિંગ બનાવે છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eસ્ટૉક્સ\u003c/b\u003e\u003c/strong\u003e– કંપનીઓ જે તેમના નફાને ફરીથી રોકાણ કરે છે તે વર્ષ દર વર્ષે કમાણીમાં વધારો કરી શકે છે, તેથી શેરના ભાવમાં સમય જતાં વધારો થઈ શકે છે, પછી ભલે તમે ડિવિડન્ડનું ફરીથી રોકાણ ન કરો.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eનિવૃત્તિ આયોજન\u003c/b\u003e\u003c/strong\u003e– તમે જેટલી વહેલી શરૂઆત કરશો, તેટલી જ વધુ શક્તિશાળી કમ્પાઉન્ડિંગ થાય છે.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide05\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Time-Value-of-Money\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e2.5. \u003c/strong\u003e\u003cstrong\u003e\u003cb\u003eપૈસાનું સમય મૂલ્ય (ટીવીએમ)\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77787 size-full\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Time-Value-of-Money.png\u0022 alt=\u0022Time Value of Money\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Time-Value-of-Money.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Time-Value-of-Money-300x300.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Time-Value-of-Money-1024x1024.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Time-Value-of-Money-150x150.png 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Time-Value-of-Money-768x768.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Time-Value-of-Money-50x50.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Time-Value-of-Money-100x100.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Time-Value-of-Money-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eThe time value of money means that money you have today is worth more than the same amount in the future. 1.2 \u003cem\u003e\u003ci\u003eસમય\u003c/i\u003e\u003c/em\u003e of money matters, not just the amount.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eએક સરળ વાર્તા.\u003c/b\u003e\u003c/strong\u003e તમારા કાકા તમને પસંદગી પ્રદાન કરે છે:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eઓપ્શન A: \u003c/b\u003e\u003c/strong\u003eઆજે ₹1,000\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eઓપ્શન B: \u003c/b\u003e\u003c/strong\u003e₹1,000 આજથી એક વર્ષ\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eમોટાભાગના લોકો ઓપ્શન એ પસંદ કરે છે, અને તે યોગ્ય છે. જો તમે આજે ₹1,000 લો છો અને તેને 7% ઇન્ટરેસ્ટ પર બેંક ફિક્સ્ડ ડિપોઝિટમાં મૂકો છો, તો તમારી પાસે એક વર્ષ પછી ₹1,070 હશે. ઓપ્શન B તમને સમાન વર્ષ પછી માત્ર ₹1,000 આપે છે.\u003c/p\u003e\u003cp\u003eતેથી આજે ₹1,000 ની કિંમત ખરેખર એક વર્ષમાં ₹1,070 છે. તે અતિરિક્ત ₹70 તમારા પૈસાની \u0026quot;સમયની કિંમત\u0026quot; છે.\u003c/p\u003e\u003ch2\u003e\u003cstrong\u003e\u003cb\u003eઆજે પૈસાની કિંમત શા માટે વધુ છે?\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003eત્રણ સરળ કારણો છે.\u003c/p\u003e\u003col\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eતે વધી શકે છે : \u003c/b\u003e\u003c/strong\u003eઆજે નાણાં એક બેંક ડિપોઝિટ, મ્યુચ્યુઅલ ફંડ અથવા શેરોમાં રોકાણ કરી શકાય છે. તે ઇન્ટરેસ્ટ અથવા વળતર મેળવે છે, તેથી તે પછીથી વધુ પૈસા બની જાય છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eકિંમતો વધી રહી છે :  \u003c/b\u003e\u003c/strong\u003eએક સમોસા જેની કિંમત આજે ₹20 છે તે થોડા વર્ષોમાં ₹30 હોઈ શકે છે. સમાન ₹100 ભવિષ્યમાં ઓછું ખરીદે છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eભવિષ્ય અનિશ્ચિત છે : \u003c/b\u003e\u003c/strong\u003eપછીથી ચુકવણી કરવાનું વચન રાખવામાં આવતું નથી. આજે તમારા હાથમાં રહેલ પૈસા ચોક્કસ છે.\u003c/li\u003e\u003c/ol\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eRemember:\u003c/b\u003e\u003c/strong\u003e When comparing two amounts of money, always ask \u003cem\u003e\u003ci\u003eકેટલું\u003c/i\u003e\u003c/em\u003e અને \u003cem\u003e\u003ci\u003eક્યારે\u003c/i\u003e\u003c/em\u003e.\u003c/p\u003e\u003ch2\u003e\u003cstrong\u003e\u003cb\u003eફ્યુચર વેલ્યૂ (એફવી): પૈસા આગળ લઈ જવું\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eભવિષ્યનું મૂલ્ય\u003c/b\u003e\u003c/strong\u003e : “જો હું આજે પૈસા ઇન્વેસ્ટ કરું, તો તે પછી કેટલું થશે?”\u003c/p\u003e\u003cp\u003eFV = PV * (1+R)\u003csup\u003et\u003c/sup\u003e\u003c/p\u003e\u003cp\u003eજ્યાં:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eપીવી\u003c/b\u003e\u003c/strong\u003e= વર્તમાન મૂલ્ય, તમે આજે ઇન્વેસ્ટ કરો છો તે પૈસા\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eR\u003c/b\u003e\u003c/strong\u003e= દર વર્ષે વળતરનો રેટ, દશાંશ તરીકે લખવામાં આવે છે (10 % = 0.10)\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eT\u003c/b\u003e\u003c/strong\u003e= વર્ષોની સંખ્યા\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eThe small T above the bracket is a power. It means you multiply by (1 + R) once for every year. This is called compounding: you earn returns on your money \u003cem\u003e\u003ci\u003eઅને\u003c/i\u003e\u003c/em\u003e on the returns you already earned.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eકામ કરેલ ઉદાહરણ.\u003c/b\u003e\u003c/strong\u003e રિયા 3 વર્ષ માટે દર વર્ષે 10% પર ₹10,000 નું રોકાણ કરે છે.\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eગણતરી\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષના અંતે મૂલ્ય\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e10,000 × 1.10\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e₹11,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e2\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e11,000 × 1.10\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹12,100\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e3\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e12,100 × 1.10\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e₹13,310\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003eUsing the formula directly: FV = 10,000 × (1.10)³ = 10,000 × 1.331 = ₹13,310.\u003c/p\u003e\u003cp\u003eનોંધ કરો કે રિયાએ વર્ષ 1 માં ₹1,000 કમાણી કરી હતી, પરંતુ વર્ષ 3 માં ₹1,210 ની કમાણી કરી હતી કારણ કે તેણીના ઇન્ટરેસ્ટ પર ઇન્ટરેસ્ટ કમાણી કરતી હતી.\u003c/p\u003e\u003ch2\u003e\u003cstrong\u003e\u003cb\u003eવર્તમાન મૂલ્ય (PV): મની બૅકવર્ડ ખસેડવું\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્તમાન મૂલ્ય\u003c/b\u003e\u003c/strong\u003e વિપરીત પ્રશ્નનો જવાબ આપે છે: \u0022મને ભવિષ્યમાં ચોક્કસ રકમની જરૂર છે. મારે આજે કેટલું ઇન્વેસ્ટ કરવું જોઈએ?”\u003c/p\u003e\u003cp\u003ePV = FV / (1+R)\u003csup\u003et\u003c/sup\u003e\u003c/p\u003e\u003cp\u003eઅહીં આપણે ગુણ કરવાને બદલે વિભાજિત કરીએ છીએ. આને ડિસ્કાઉન્ટિંગ કહેવામાં આવે છે. તેને રિવર્સમાં રમાયેલ કમ્પાઉન્ડિંગ તરીકે વિચારો.\u003c/p\u003e\u003cp\u003eકામ કરેલ ઉદાહરણ. અમન લૅપટૉપ ખરીદવા માટે 2 વર્ષ પછી ₹50,000 માંગે છે. તેમની બેંક દર વર્ષે 8 % ચૂકવે છે. આજે તેને કેટલી રકમ જમા કરવી જોઈએ?\u003c/p\u003e\u003cul\u003e\u003cli\u003eStep 1: (1 + 0.08)² = 1.08 × 1.08 = 1.1664\u003c/li\u003e\u003cli\u003eપગલું 2: PV = 50,000 ÷ 1.1664 = ₹42,867 \u003c/li\u003e\u003c/ul\u003e\u003cp\u003eતેથી જો અમન આજે લગભગ ₹42,867 જમા કરે છે, તો તે 2 વર્ષમાં ₹50,000 સુધી વધશે.\u003c/p\u003e\u003cp\u003eયાદ રાખવાની સરળ રીત: FV આગળ વધે છે અને ગુણાકાર કરે છે. પીવી પાછળ જાય છે અને વિભાજન કરે છે.\u003c/p\u003e\u003ch2\u003e\u003cstrong\u003e\u003cb\u003eવાસ્તવિક જીવનનું ઉદાહરણ: નિવૃત્તિ માટે આયોજન\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eલક્ષ્ય:\u003c/b\u003e\u003c/strong\u003e તમે 20 વર્ષ પછી ₹1 કરોડ ઈચ્છો છો. તમે દર વર્ષે 12% પર ઇન્વેસ્ટમેન્ટ કરવાની અપેક્ષા રાખો છો. તમારે આજે એક વખતની રકમ તરીકે કેટલું ઇન્વેસ્ટ કરવું આવશ્યક છે?\u003c/p\u003e\u003cul\u003e\u003cli\u003eStep 1: (1.12)²⁰ ≈ 9.646\u003c/li\u003e\u003cli\u003eપગલું 2: PV = 1,00,00,000 ÷ 9.646 ≥ \u003cstrong\u003e\u003cb\u003e₹10,37,000\u003c/b\u003e\u003c/strong\u003e\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eતેથી આજે લગભગ ₹10.37 લાખનું રોકાણ, એક વર્ષમાં 12 % ની વૃદ્ધિ, 20 વર્ષમાં ₹1 કરોડ બની જાય છે. તે કેવી રીતે વધે છે તે અહીં આપેલ છે:\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eપૉઇન્ટ ઇન ટાઇમ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eરોકાણનું મૂલ્ય\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eપાછલા 5 વર્ષોમાં વૃદ્ધિ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eઆજે\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 10.37 લાખ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e—\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e5 વર્ષ પછી\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 18.28 લાખ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 7.91 લાખ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e10 વર્ષ પછી\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 32.21 લાખ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 13.93 લાખ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e15 વર્ષ પછી\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 56.76 લાખ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 24.55 લાખ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e20 વર્ષ પછી\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 1 કરોડ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 43.24 લાખ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eશું ધ્યાન આપવું:\u003c/b\u003e\u003c/strong\u003e પૈસા શરૂઆતમાં ધીમે વધે છે અને અંતે ખૂબ જ ઝડપથી વધે છે. અંતિમ રકમના 40% કરતાં વધુ એકલા છેલ્લા 5 વર્ષોમાં ઉમેરવામાં આવે છે. આ કમ્પાઉન્ડિંગની શક્તિ છે, અને જો તમે તેને સમય આપો તો જ તે કામ કરે છે.\u003c/p\u003e\u003ch2\u003e\u003cstrong\u003e\u003cb\u003eચાર મુખ્ય પાઠ\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003col\u003e\u003cli\u003e\u003cstrong\u003e\u003cb\u003e વહેલી તકે શરૂ કરો.\u003c/b\u003e\u003c/strong\u003eરાહ જોવી તમારા લક્ષ્યને વધુ ખર્ચાળ બનાવે છે. 12% પર ₹1 કરોડ સુધી પહોંચવા માટે:\u003c/li\u003e\u003c/ol\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eજ્યારે તમે શરૂ કરો\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eબાકી વર્ષો\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઆજે ઇન્વેસ્ટ કરવાની રકમ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eઆજે\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e20\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 10.37 લાખ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e5 વર્ષ પછી\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e15\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 18.27 લાખ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e10 વર્ષ પછી\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e10\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹ 32.20 લાખ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003e5-વર્ષનો વિલંબ તમને જરૂરી પૈસાને લગભગ બમણો કરે છે.\u003c/p\u003e\u003col start=\u00222\u0022\u003e\u003cli\u003e\u003cstrong\u003e\u003cb\u003e રિટર્ન બાબતોનો દર : \u003c/b\u003e\u003c/strong\u003e12% ના બદલે 8% પર, તમારે 20 વર્ષમાં ₹1 કરોડ સુધી પહોંચવા માટે આજે લગભગ ₹21.45 લાખની જરૂર પડશે. દરમાં નાનો તફાવત ઘણા વર્ષોમાં મોટો તફાવત બનાવે છે.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003e\u003cb\u003e ફુગાવાના કારણે ભાવિ નાણાંમાં ઘટાડો :\u003c/b\u003e\u003c/strong\u003eIf prices rise about 6% a year, ₹1 crore after 20 years will buy only what about ₹31 lakh buys today. You can check this with the PV formula: 1 crore ÷ (1.06)²⁰ ≈ ₹31.18 lakh.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003e\u003cb\u003e The Rule of 72 : \u003c/b\u003e\u003c/strong\u003eDivide 72 by the yearly return to find roughly how many years it takes to double your money. At 12%, 72 ÷ 12 = \u003cstrong\u003e\u003cb\u003e6 વર્ષ\u003c/b\u003e\u003c/strong\u003e. At 8%, 72 ÷ 8 = \u003cstrong\u003e\u003cb\u003e9 વર્ષ\u003c/b\u003e\u003c/strong\u003e.\u003c/li\u003e\u003c/ol\u003e\u003ch2\u003e\u003cstrong\u003e\u003cb\u003eમુખ્ય શરતો\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eટર્મ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eસરળ અર્થ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eપૈસાનું સમય મૂલ્ય\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eઆજે પૈસા ભવિષ્યમાં એક જ પૈસા કરતાં વધુ મૂલ્યવાન છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eવર્તમાન મૂલ્ય (PV)\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eભવિષ્યની રકમની કિંમત આજે કેટલી છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eફ્યુચર વેલ્યૂ (FV)\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eઆજના પૈસા પછી શું થશે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eકમ્પાઉન્ડિંગ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eતમારા અગાઉના રિટર્ન પર રિટર્ન કમાવી રહ્યા છીએ; પૈસા આગળ લઈ જાય છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eડિસ્કાઉન્ટિંગ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eકમ્પાઉન્ડિંગનું રિવર્સ; ભવિષ્યના પૈસાને આજે પાછું ખસેડે છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eરિટર્નનો રેટ (R)\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eતમારા પૈસાની વાર્ષિક ટકાવારી\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eમોંઘવારી\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eસમય જતાં કિંમતોમાં વધારો થાય છે, જે પૈસા શું ખરીદી શકે છે તે ઘટાડે છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003eસીએજીઆર\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eચક્રવૃદ્ધિ વાર્ષિક વૃદ્ધિ રેટ: સ્થિર વાર્ષિક રેટ જે કુલ વૃદ્ધિને સમજાવે છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide06\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Rule-of-72\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e2.6 \u003c/strong\u003e\u003cstrong\u003e\u003cb\u003e72 નો નિયમ\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77788 size-full\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Rule-of-72.png\u0022 alt=\u0022Rule of 72\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Rule-of-72.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Rule-of-72-300x300.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Rule-of-72-1024x1024.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Rule-of-72-150x150.png 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Rule-of-72-768x768.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Rule-of-72-50x50.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Rule-of-72-100x100.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Rule-of-72-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e1.2 \u003cstrong\u003e\u003cb\u003e72 નો નિયમ\u003c/b\u003e\u003c/strong\u003e is a shortcut to estimate how long it takes for money to double at a given interest rate.\u003c/p\u003e\u003cp\u003eડબલિંગનો સમય ≈ 72/R\u003c/p\u003e\u003cul\u003e\u003cli\u003e6 %→ 12 વર્ષે\u003c/li\u003e\u003cli\u003e12 %→ 6 વર્ષે\u003c/li\u003e\u003cli\u003e18 %→ 4 વર્ષે\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eઅહીં R ટકાવારી તરીકે દાખલ કરવામાં આવે છે (12% માટે, 12 નો ઉપયોગ કરો, 0.12 નહીં). આ નિયમ લગભગ 18 % છે, ઉદાહરણ તરીકે, ચોક્કસ બમણો સમય લગભગ 4.2 વર્ષ છે - પરંતુ તે રોકાણકારોને સંયોજનની શક્તિને ઝડપથી માપવામાં મદદ કરે છે.\u003c/p\u003e\u003cp\u003eધારો કે તમે દર વર્ષે 8% કમાતા ફંડમાં ₹1,00,000 નું રોકાણ કરો છો, જે વાર્ષિક ચક્રવૃદ્ધિ થાય છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e72 ના નિયમનો ઉપયોગ કરીને:\u003c/b\u003e\u003c/strong\u003e\u003cbr /\u003eડબલિંગનો સમય ≥72 ÷ 8 = \u003cstrong\u003e\u003cb\u003e9 વર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eતેથી લગભગ 9 વર્ષમાં, તમારું ₹1,00,000 લગભગ ₹2,00,000 સુધી વધવું જોઈએ.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eચોક્કસ ફોર્મ્યુલા સાથે તપાસ કરી રહ્યા છીએ:\u003c/b\u003e\u003c/strong\u003e\u003cbr /\u003e₹1,00,000 × (1.08)⁹ = ₹1,99,900\u003c/p\u003e\u003cp\u003eતે લગભગ બરાબર બમણું છે, તેથી આ રેટ પર નિયમ ખૂબ જ સારી રીતે કામ કરે છે.\u003c/p\u003e\u003ch3\u003eઉદાહરણ: બહુવિધ દસ્તાવેજો\u003c/h3\u003e\u003cp\u003eYou invest ₹1,00,000 at \u003cstrong\u003e\u003cb\u003e12%\u003c/b\u003e\u003c/strong\u003e માટે \u003cstrong\u003e\u003cb\u003e18 વર્ષ\u003c/b\u003e\u003c/strong\u003e.\u003c/p\u003e\u003cul\u003e\u003cli\u003eડબલિંગનો સમય ≥ 72 ÷ 12 = 6 વર્ષ\u003c/li\u003e\u003cli\u003e18 વર્ષ ÷ 6 = 3 ડબલિંગ\u003c/li\u003e\u003cli\u003e₹1 લાખ → ₹2 લાખ → ₹4 લાખ → ₹8 લાખ\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eThe exact value is ₹1,00,000 × (1.12)¹⁸ ≈ ₹7.69 lakh, so the rule gets you close.\u003c/p\u003e\u003ch3\u003eઉદાહરણ: પાછળથી કામ કરવું\u003c/h3\u003e\u003cp\u003eYou want your money to double in \u003cstrong\u003e\u003cb\u003e5 વર્ષ\u003c/b\u003e\u003c/strong\u003e. What return do you need?\u003c/p\u003e\u003cp\u003eજરૂરી દર ≥ 72 ÷ 5 = 14.4% પ્રતિ વર્ષ\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide07\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027SIPs-and-Lump-Sum-Investing\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e2.7 \u003c/strong\u003e\u003cstrong\u003e\u003cb\u003eSIP અને લમ્પસમ રોકાણ\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77789 size-full\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing.png\u0022 alt=\u0022SIP and Lump Sum Investing\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing-300x300.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing-1024x1024.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing-150x150.png 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing-768x768.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing-50x50.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing-100x100.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/SIP-and-Lump-Sum-Investing-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eMutual fund investors often use \u003cstrong\u003e\u003cb\u003eસિસ્ટમેટિક ઇન્વેસ્ટમેન્ટ પ્લાન (એસઆઇપી)\u003c/b\u003e\u003c/strong\u003e, where a fixed amount is invested every month. SIPs harness compounding and rupee-cost averaging.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eકેસ સ્ટડી: SIP વર્સેસ લમ્પસમ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eરોકાણની શૈલી\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eમાસિક/ પ્રારંભિક ઇન્વેસ્ટમેન્ટ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eસમયગાળો\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eસીએજીઆર\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઅંતિમ કોર્પસ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eલમ્પસમ રકમ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹24,00,000 અપફ્રન્ટ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e20 વર્ષ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e12%\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹2,31,51,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eSIP\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹10,000 દર મહિને (કુલમાં ₹24 લાખ)\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e20 વર્ષ\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e12%\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e₹91,99,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003eબંને રોકાણકારો એક જ ₹24 લાખ મૂકે છે અને સમાન 12% CAGR કમાવે છે. આ ઉદાહરણમાં, દર વર્ષે સ્થિર 12% રિટર્ન સાથે, લમ્પસમ રકમ ઘણી વધુ હોય છે કારણ કે સંપૂર્ણ રકમ 20 વર્ષ માટે કમ્પાઉન્ડ થાય છે, જ્યારે દરેક SIP હપ્તા ટૂંકા સમયગાળા માટે કમ્પાઉન્ડ થાય છે. રિયલ માર્કેટમાં રિટર્ન સ્થિર નથી, અને SIP ની શક્તિ અન્યત્ર હોય છે: તે એવા લોકો માટે અનુકૂળ છે જેઓ માસિક કમાણી કરે છે અને તેમની પાસે ઇન્વેસ્ટ કરવા માટે મોટી રકમ નથી, અને તે માર્કેટ હાઇ અને લોમાં ખરીદીને ફેલાવીને સમયના જોખમને ઘટાડે છે.\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide08\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Compounding-in-Equity-Markets\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e2.8 \u003c/strong\u003e\u003cstrong\u003e\u003cb\u003eઇક્વિટી માર્કેટમાં કમ્પાઉન્ડિંગ\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77790 size-full\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets.png\u0022 alt=\u0022Compounding in Equity Markets\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets.png 1080w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets-300x300.png 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets-1024x1024.png 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets-150x150.png 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets-768x768.png 768w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets-50x50.png 50w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets-100x100.png 100w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/05/Compounding-in-Equity-Markets-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eUnlike FDs, stock market returns are volatile. Yet, compounding works through \u003cstrong\u003e\u003cb\u003eprice appreciation\u003c/b\u003e\u003c/strong\u003e અને \u003cstrong\u003e\u003cb\u003eડિવિડન્ડ રીઇન્વેસ્ટમેન્ટ\u003c/b\u003e\u003c/strong\u003e.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઉદાહરણઃ લાંબા ગાળાના ઇક્વિટી વૃદ્ધિ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e2003 ના અંતે નિફ્ટી 50 માં ₹1 લાખનું રોકાણ (ઇન્ડેક્સ લેવલ 1,879.75) 2023 ના અંત સુધીમાં લગભગ ₹11.6 લાખ સુધી વધ્યું (index લેવલ 21,731.40), 2008 અને 2020 માં ક્રૅશ હોવા છતાં. ડિવિડન્ડની ગણતરી કરતા પહેલાં, તે એકલા ભાવ લાભથી લગભગ 13% નું સીએજીઆર છે. રોકાણમાં રહેવું એ અસ્થિરતા હોવા છતાં ચક્રવૃદ્ધિ કામ કરવાની મંજૂરી આપે છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eમુખ્ય ટેકઅવે\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eસરળ વ્યાજ\u003c/b\u003e\u003c/strong\u003eરેખીય અને ગણતરી કરવામાં સરળ છે પરંતુ ઓછું રિવૉર્ડિંગ છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eકમ્પાઉન્ડ વ્યાજ\u003c/b\u003e\u003c/strong\u003eઝડપથી વધે છે, જે તેને વધુ શક્તિશાળી બનાવે છે.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eસંપૂર્ણ રિટર્ન\u003c/b\u003e\u003c/strong\u003emeasures growth over periods shorter than one year, while \u003cstrong\u003e\u003cb\u003eસીએજીઆર\u003c/b\u003e\u003c/strong\u003e measures annualized growth over one year or more.\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eકમ્પાઉન્ડિંગની અસર\u003c/b\u003e\u003c/strong\u003eદર્શાવે છે કે ફરીથી રોકાણ કરેલ નફો કેવી રીતે સંપત્તિ નિર્માણને વેગ આપે છે.\u003c/li\u003e\u003cli\u003eસમય સૌથી મહત્વપૂર્ણ પરિબળ છે - ધીરજ અને શિસ્તને પુરસ્કાર આપે છે.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003cscript 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