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Byaaj aur Chakravriddhi ka Jaadoo

Class 7 Social Science · Chapter 20: Bank aur Vitt ka Jaadoo · NCERT Exploring Society: India and Beyond section 20.2

Seekho

Byaaj paisa use karne ke liye diya atirikt paisa, aamtaur par pratishat mein. Ishaan ₹1,000 6% saalaana par jama karta. Ek saal baad: ₹1,000 + ₹1,000 ka 6% = ₹1,000 + ₹60 = ₹1,060. Doosre saal ₹1,060 par 6%, yaani ₹63.60, kul ₹1,123.60. Pichhle byaaj par byaaj kamaana chakravriddhi. 12 saal chhodne par uska ₹1,000 lagbhag ₹2,012.

Kerala ki ek kahaani dugune ki shakti dikhaati. Ambalappuzha ke raaja ek saadhu se shatranj haare, jisne pehle khaane par ek chaawal, doosre par do, teesre par chaar, 64 khaanon tak doguna maanga. 8ve khaane par 128 daane, 16ve par 32,768, aur 32ve par 210 crore se zyaada: badhti chhoti raashiyaan vishaal ban jaati. Bank jama par kam byaaj dete aur karz par zyaada lete; antar unki aay. Agar bank ₹200 par 2% (₹4) de aur 5% (₹10) par udhaar de, to ₹6 kamaata.

Explore: saral doguna.

  1. Har raashi sort karo.

Yaad rakho

  • Byaaj bachat ka inaam; chakravriddhi byaaj par byaaj, to paisa samay ke saath tez badhta.
  • Bank karz aur jama byaaj dar ke antar se kamaate.

Quick check

6% saalaana chakravriddhi par ₹1,000, 2 saal baad …

  1. ₹1,123.60
  2. ₹1,120
  3. ₹1,060
  4. ₹1,200
Answer

₹1,123.60. Saadhaaran byaaj ₹1,120 deta; chakravriddhi ₹3.60 aur jodti.

Socho

Chakravriddhi karzdaar ke liye achchhi ya buri? Kyun?

Ek answer

Buri, agar karz jaldi na chukaaya jaaye: na chukaaya byaaj bhi byaaj kamaata, to karz tezi se badh sakta, isliye soch-samajhkar udhaar zaroori.

Practice

Teen levels (easy, medium, hard) ke naye sawaalon se practice karo, kuch hands-on, hints aur hal ke saath. Topic poora karne ke liye pichhle 5 mein se 4 sahi karo.