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lef"V&vFkZ'kkL=k osQ fl¼kar



                  uksV



                                   D;k vki tkurs gSa  cksey dk fo'ys"k.k ysu&nsu 'ks"kksa dh ek¡x osQ O;ogkj osQ izfr ,d vkSj egÙoiw.kZ rF;
                                                  dks y{; djrk gSA

                                bl leL;k dks gy djus osQ fy, vko';d gS fd o"kZ Hkj&udnh&'ks"kksa dks j[kus dh ykxr U;wure j[kh tk,A
                                udnh&'ks"kksa dks j[kus esa C;kt&ykxrsa vkSj xSj&C;kt (non-interest) ykxrsa lfEefyr jgrh gSaA tSlk fd ge
                                igys gh ns[k pqosQ gSa C;kt&ykxrsa volj ykxr osQ :i esa gksrh gSaA D;ksafd tc dksbZ iQeZ ysu&nsu osQ fy, udnh
                                j[krh gS] rks mls C;kt&vk; NksM+uh iM+rh gSA nwljh vksj] xSj&C;kt ykxrksa esa udnh dks ckaMksa vFkok ckaMksa dks
                                udnh esa cnyus osQ fy, nykyh] Mkd&O;;] cgh[kkrk O;; vkfn ensa 'kkfey jgrh gSaA

                                bl izdkj] tc dHkh dksbZ iQeZ ysu&nsu osQ fy, eqnzk j[krh gS] rks C;kt&ykxrsa vkSj nykyh (xSj&C;kt ykxrsa)
                                mBkuh iM+rh gSA eku yhft, C;kt dh nj r gS rks o"kZ Hkj osQ fy, fLFkj eku yh xbZ gS vkSj nykyh b gS ftls
                                Hkh fLFkj eku fy;k x;k gSA eku yhft, fd o"kZ osQ izkjaHk esa iQeZ dh vk; Y gS tks blosQ }kjk fd, ysu&nsuksa
                                osQ okLrfod ewY; osQ cjkcj gS vkSj K varjkyksa ij izR;sd ckj fudkyh xbZ jkf'k dk vkdkj gS tks ckaM cspus
                                osQ le; fudkyh xbZ gSA bl izdkj] o"kZ Hkj esa Y/K ckj jkf'k fudkyh xbZ gSA o"kZ osQ nkSjku nykyh ij b (Y/
                                K) ykxr vk,xhA D;ksafd vkSlr udnh fudkl (withdrawals) K/2 gSa] blfy, udnh 'ks"k j[kus osQ dh
                                C;kt&ykxr rK/2 gSA bl izdkj ysu&nsu djus dh oqQy ykxr vFkkZr C dks lehjd.k osQ :i esa bl izdkj
                                fy[kk tk ldrk gS %

                                              C =  r  K  +  b  Y
                                                     2    K
                                K dk b"Vre ewY; og gksxk ftlls oqQy ekylwph dh ykxr U;wure gks tk,A K osQ lacaèk esa C dk foHksnhdj.k
                                djus ls O;qRiUu dC/dK 'kwU; osQ cjkcj j[kus ls vkSj C dks gy djus ij gesa miyCèk gksrk gS]

                                               dC   r   –by
                                                  =   +      =  0
                                               dK   2    K 2

                                               r   bY
                                vFkok]           =   2
                                               2   K
                                                  2
                                vFkok nksuksa i{kksa dks 2K /r ls xq.kk djus ij gesa izkIr gksrk gS %

                                               K =  2bY
                                                2
                                                     r


                                               K=   2bY
                                vFkok]
                                                     r
                                Lo&ewY;kadu (Self Assessment)


                                fjDr LFkkuksa dh iw£r djsa (Fill in the blanks) :
                                                                    ---------------
                                  1- osaQ”k }kjk izLrqr eqnzk dh ysu&nsu ek¡x esa     us egÙoiw.kZ ;ksxnku fn;k gSA



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