BMM10232_Chapter 3_Interest.pdf

7/28/2019 BMM10232_Chapter 3_Interest.pdf

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Ch3||BMM10232|60144

TRODUCTO

Wheegekdpuhmeheuhekpeeehewdeeheeke

mheL.eehemepdhepvegeughepemeWheedeed

hemehewehemeheedheicidheummepdheueed

he.hewdhepphemumehweddeeheppeum

mepdheueheumheeedppheedmeedhe.

i(..

mpeeeheeeuedhegppheummepdheedehewe

hemedugwhhhemeeeguedheedheem

Riheeepeedumedpedmeheeeeuuepeed

peegeheeeeedeedheeeheppeeume

hempeeeheppeheepgve

=PTR

100dhemugve=

PTR

100(e=)

heee=TR

1100

+

Fx:

Fdhempeee

==peum=e

.P R T 1, 000 20 4

S.I. Rs. 800100 100

= = =

CdC..

mpeeeuwudhveevedhheeehemeeveequvepedhemepp

mumpepedepgkmpeOedwhdwhemeheedehe

ueumuehekhekedddueeeheedheeheppheegghe

eeduehmuheewppugeehedepmeedeeeveme

eehemedepedempudeehmpeeekgeewmpud

eeh-eeemempudedeh-equemhe

i

heppem

hughheped

heeeezedmeeh

e

Cd

hepphgeeevee

heeeezeddeeeh

e

Interest


2/16

Ch3||BMM10232|60144

hewgehegdeeeeweehempedmpudee

:

mpeeeheemehempudeehee(mpudedu)

MhdidighCd

Pcd:

Fdheveedeeempudedu

()Muphegvepphegveeeedhhedemphepduwpehe

e

==()ddheeeedepheppheee

=()Mupheeuephegveedhhedemphepduwpeheeh

gvehempudeeheede==()ddheeeedepwhhwehepphede=

()hpeuedheumeeudede()uhegppmhemuwhhhempudeeeuedheped

(e)udedeheugvehempudeehegveumhepedhegve

eeepee=

:

mpudeeedeuedughemu

=

nR

11000

+

WheeAhemuPepeeheppRheeeedheumemeeempuded

dughepedwhhhemewedmpudeegve

:

=(Deeedhepedze)

=(pedheped)d

hemepedewhhheeeddedehmemewppedvepedm

euque

eeepdemu(he)heumehedheepeepehe

e

umee =umehe

epeepeum =epeepehe

() eeepdqueheumequedheepeepeque

umee =umeque

epeepeum =epeepeque


3/16

Ch3||BMM10232|62144

Fx:

Fdhempudeepdqueumepede

()Wheheeedeedeeepeedddeepevehemu

=

31 2 RR R1 1 1100 100 100

+ + +

()ehemeheeb

ac

ehe

mu=

ab

RR c1 1

100 100

+ +

ememeheheeedkeepegeeeWhdehhppe?Bwhude

ehheueheeepevuegeddedheppdhuheeegeedehewgheueekeepgppk@p

huweevehheeeedBde+eedB+Bhuweeeh

wueveeheeeeedehghemuequheeepevueee

ehhedeeehemuwuevee(B+B)whhhguheee

hemuheedheeeedhheheeeueeheedeed

eheggwhhemuheedeeeege-veedppheeedhuhe

eeeedwehmudmuedeewehghehhemuedeee

hee

edemukepdmmukephewe

Y Pici

y

dih

y

Ahd

y

B= +B

+ +B (+B)=

+B=B+B

+B+B+B


4/16

Ch3||BMM10232|62144

humemukepmeeuedhehewehemukepwude

eeeeee

Total SI of first 2 yrs

Total CI of first 2 yrs=

2

2 x%+

PVPVheppeudeghephupeeeevedpddhemeupeeeevedpd

epedheuehemequeeveedhegveeeveeeehed

ped

eeuheedeevgeeeuwudheeeveweum(e)d

eueheduedumeee(heepeum)dugheueheehheed

heehepe eeequewheeduedumepewuduedepedheeeeekege(eheedehee)hepeevuehw

ugeeeeuedw:

V =

A

R

1 100

+

=muheuuehw

=eeeeued

hepeevueuegeezedveped

V =

n

n

A

R1

100

+

=muheuuehwhegveped

=eeeeued

=mepeeweewdhehw

Y i Cd

Pici Pici

= =

= + (+)

=+

+


5/16

Ch3||BMM10232|64144

PRACTCAAPPCTOOFTHEETPREETVAUE

.ch

uhhemedeewheumepuhegdmdwpmeheemgmu

peequme(whhepe-deemed)vegveped

hedeeehemupepemeheheeehewudkehgehemuudggvepme

Rb:

Wheumepmehdueeduedhmudheeehgedhee

muwhhkwheeduge

uehemupepemeweue:

=

n

n

Vr(1 r)

(1 r) 1

+

+

=mupeme

V=Vuegd(muhedwpme)

=eeepeumepeeed

=umeevewhhmeeped

.BiChqDicig

Bkemduhequepghemuhehequehepededugk

hgehkhgedeemedugVhekedeemeheumedwudkehmeeve

hmedppehepevgeeehpedheehmdhepeevuehemu

hehequewhhhepdheume

OVEDEXAMPE

Ex1:

Fdhempeeedhemuepeum

i:

heuee==16.8

100=

heeeeee==

Oeee=16.8

100=

mu=pee==

Ex2:

Fdheepeummpeeemue


6/16

Ch3||BMM10232|64144

i:

Hee===e=?

Wekwh==PTR

100=(

TR

100)

=(

2 R

100

) =

200(100 2R)

100

+

===

=

Ex3:

mueeempeeeWhwmueheme

e?

i:

Hee===e

Fwemuduheeee

Wekwh=e= PTR100

=( TR100

)

=(8 R

100

)

=4(100 8R)

100

+= ==

=100

8=

duheeugmuehemeeeewhehep

Wehve==ee=

mpeee=PTR

100=

4000 3 100

100 8

=

heeemu=p==

Ex4:

Whpwmuepeummpeee?

i:

ehhempeeeheppeheepgve

=PTR

100

= PTR100

Wehve=()=

=400

1.25=


7/16

Ch3||BMM10232|66144

Ex5:

meededvemhWhheeepeum?

i:

Hee==2

12ee=

=PTR

100=

4000 2 20

12 100

=

heeeheeemh

Ex6:

MhdepkwhhgvempeeepeumHewhdewedhee

Hwmuhmewhehvehekee?

i:

heuee2

100

=Mhwhdewheedheeheh

depheeweheueee=2

100 =

hewhvehek

Ex7:

pew;dheemgeeeHwmuheewhehvep

ee?

i:

heeee=3

100=

heeee= 5

100=

heeehhehpeewed

==

Ex8:

MukehdepedkJudheedmhwhdewFdheee

duehmheedheepeum

i:

heeeuedmhpeum

=9

12

4

100=

heeeuedmhpeum

=3

12

4

100=

heeeduehmheedhee==


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Ch3||BMM10232|66144

Ex9:

pewedmpeeepmkeehepdhekFdhw

muhwhehvepewemeehe

i:

eeep=

12

100 =heemueehek==

Heehemu==Heeheeeepeum

=12

100=

Heehehp=ehe

Ex10:

upehhdwmheempeeepeumHeepheed

heeHwmuhmueepdhmheededeehde?

i:

Hee==

Heeheeehee=PTR

100=

5500 1 15

100

=

mudueheede==muepdheede=

Heehemuepdedede

=ewppee=3825 1 15

100

=

=

upehhdhepehedewedhm

Ex11:

Whhedeeeeweempedmpudeeepeeheee?

i:

mpeee=PTR

100=

6000 3

100

=

mpudee=

TR

P 1100

+

=

314

6000 1100

+

=

3114

100

=()==

Heehedeee==


9/16

Ch3||BMM10232|68144

Ex12:

Whwehempudeeep?Hwmuhwudehempeeeheme

peddwhhedeee?

i:

Hee==e=

mpudee=TR

P 1100

+

=

=

+

10

151

100=()

mpudee===

mpeee=PTR

100=

4000 10 15

100

=

Heehedeee==

Ex13:

eummuwedheedheFdheumdheeee

i:

Fmhegvedhempeeeedhe

==

heeempeeee=300

3 / 2=

mpeeee=

heeep=muee

==

eee=400

2

100

2300

=

Ex14:

umwveedmpeeeeeHdeeveedhghewudhveehedme

Fdheum

i:

Lep=de=

FeehempeeeeP 2 R

100

heeeemeheewe

P 2 (R 4)

100

+

hedeeeeweeheeweeegvee

2P(R 4)

100

+

2PR

100 =

8P

100 ===

Ex15:

hhpuheeevudeeumepheheVdhemkedw

pmehewhheumehehphekepeum?


10/16

Ch3||BMM10232|68144

i:

Fuhpempphemu=

n

n

Vr(1 r)

(1 r) 1

+

+

GveV====

=

3

311500 0.15(1 0.15)(1 0.15) 1 ++

= 2623.510.5209

=

Heehehpume

Ex16:

eveedheequheeedvgeeedheedehe

mueedheeeeededhemueedhemeHwmuhmeddehhe?

i:

Le=

d

=

Gve

=

eequ

=

P 8 10100

P 6 10100

=e 20P100

==

heeeehehe

Ex17:

heppuvgeeeehewhmewppuduee?

i:

Leheppuee=

eeeppupee==

Hee=d

=

Heeppghemu=

()

Wehve=()

=()

Ovgwege=e

Ex18:

mepuheeevudeeumepheheVdhemkedw

pmeheheumehep(Bkeeepeum)

i:

=

n

n

Vr(1 r)

(1 r) 1

+

+ GveV===d=

=

3

3

9000 0.12(1 0.12)

(1 0.12) 1

+

+

=1517.32

0.405

=

Ex19:

OeummehempudeewedhempeeeFdheum

dheeee


11/16

Ch3||BMM10232|70144

i:

ehempeeeeeddughewehempeeehedheed

emueequehUgp()deedvehempudeedugheemu

eequmpeeeeedheeewhempudeeeedwe

dheehempudeeheedemueequhedeeeewee

hempudeehedheede=dugp()hudehe

eeeedee

Heeheeeehude36

240=

pmu=480

15 2=

Ex20:

Mmdwmkheepeummpeeeheedheehe

ephekHwmuhmuheepheedheededeehdehe

k?

i:

eeheppheedhee

=PNR

100=

4500 1 12

100

=

muwedheede=pee= =muepdheedhee=

muudgheedhee=

==ewpmuepdheedheede

mu=pee=2840 1 12

100

==


12/16

Ch3||BMM10232|70144

mueeempeee

Whwmuehemee?(ede-)

() () () () ()ehee

whmewudummeeeempudee(ede-)

()ume ()ume ()ume ()ume ()ume

eummeeeempudeegwmevueehemeum

empeeehemeehwmewudduee?(ede-)

()e ()e ()e ()e ()e

heppuueeeveepeehwmewheeeppue

?(ede-)

()epp ()e ()e ()e ()ehee

Karanwantstoinvest$4000foryearsHehasoptions(1)investtheamountat10perannumcompoundinterest,

compoundedquarterlyor()Investtheamountat105perannumcompoundinterest,interestcompoundedannually

WhichinvestmentopportunitygivesKaranbetterreturns?(AccessCode-0110005)

brothersinvestedtheirequalinheritancein10yearbondsatvaryingsimpleinterestratesofand8Attheendof10

years,theamountearnedbythelatterexceededtheamountearnedbytheformerby$0Howmuchmoneydideach

inherit?(AccessCode-011000)

(1)$000 ()$00 ()$500 (4)$4000 (5)$5000

7 Whatisthepercentrateofsimpleinterestforthefirst4yearsifthesumofRs0becomesRs540in9yearsandtherate

ofinterestforthelast5yearsis?(AccessCode-0110007)(1)4 ()5 () (4) (5)

8 MamtamakesadepositofRs100,000intheSaurashtraBankforaperiodofyearsIftherateofinterestbe1perannum

compundedhalf-yearly,whatamountwillshegetafteryears(AccessCode-0110008)

(1)1,4789 ()15,479 ()1,479 (4)10,75 (5)Noneofthese

9 GauravborrowsRs1500fromtwomoneylendersHepaysinterestattherateof1perannumforoneloanandattherate

of14perannumfortheotherThetotalinteresthepaysfortheentireyearisRs18Howmuchdoesheborrowattherate

of1?(AccessCode-0110009)

(1)Rs100 ()Rs100 ()Rs1400 (4)Rs00 (5)Rs500

10 Twoequalamountsofmoneywereborrowedat8simpleinterestperannumforyearsandyearsrespectively

ThedifferenceintheinterestwasRs5Thevalueofeachsumborrowedwere(AccessCode-0110010)

(1)Rs90 ()Rs50 ()Rs740 (4)Rs780 (5)Rs700

PcicExci1


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Ch3||BMM10232|72144

11 FindtheproportioninwhichRs000canbedividedintotwopartssothatsimpleinterestonthefirstpartforyearsat

pamaybeequaltothesimpleinterestonthesecondpartforyearsat8pa(AccessCode-0110011)

(1)Rs4000,Rs000 ()Rs5000,Rs1000 ()Rs000,Rs000 (4)Rs000,Rs1000 (5)Noneofthese

1 DivideRs90betweenAmirandSalmansuchthatAmirsshareattheendof7yearsisequaltoSalmansshareattheend

of9yearsat4parateofcompoundinterest(AccessCode-011001)(1)Amir=Rs08,Salman=Rs1875 ()Amir=Rs008,Salman=Rs1000

()Amir=Rs90,Salman=Rs1001 (4)Amir=Rs00,Salman=Rs10 (5)Noneofthese

1 ThreepersonsShahrukh,SaifandSalmaninvesteddifferentamountsinafixeddepositschemeforoneyearattherateof1

perannumandearnedatotalinterestofRs,40attheendoftheyearIftheamountinvestedbySaifisRs5000morethan

theamountinvestedbyShahrukhandtheamountinvestedbySalmanisRs000morethantheamountinvestedbySaif,

whatistheamountinvestedbySaif?(AccessCode-011001)

(1)Rs1,000 ()Rs10,000 ()Rs7,000 (4)Rs5000 (5)Rs9000

14 AparticularamountwaslentatperannumsimpleinterestAfteroneyear,Rs800isrepaidandtherestoftheamount

isrepaidat5perannumIfthesecondyearsinterestis11/0ofthefirstyearsinterest,findwhatamountofmoneywaslentout(AccessCode-0110014)

(1)Rs17,000 ()Rs1,800 ()Rs1,500 (4)Rs17,500 (5)Rs17,700

15 Threeamountsa,bandcaresuchthatbisthesimpleinterestonaandcisthesimpleinterestonbIfinabovecases,rate

ofinterestperannumandthetimeforwhichinterestiscalculatedisthesame,thenfindtherelationbetweena,bandc

(AccessCode-0110015)

(1)abc=1 ()a=bc ()c=ab (4)b=ac (5)Noneofthese

SCORESHEET

UHBciy.Abidbyhi-ii

1

1 4 5

1 4 5

1 4 5

4

5

1 4 5

1 4 5

1 4 5

7

8

9

1 4 5

1 4 5

1 4 5

10

11

1

1 4 5

1 4 5

1 4 5

1

14

15

1 4 5

1 4 5

1 4 5


14/16

Ch3||BMM10232|72144

1 Inordertobuyavehicle,amanborrowedRs180,000ontheconditionthathehadtopay75interesteveryyearHealso

agreedtorepaytheprincipalinequalannualinstalmentsover1yearsAfteracertainnumberofyear,however,therateof

interesthasbeenreducedto7Itisalsoknownthatattheendoftheagreedperiod,hehadpaidinallRs70,900asinterest

Forhowmanyyearsdidhepayatthereducedinterestrate?(AccessCode-011001)(1)7years ()1years ()10years (4)1years (5)14years

MangalPandeyborrowsacertainsumofmoneyfromtheICICIBankat10perannumatcompoundinterestTheentiredebt

isdischargedinfullbyMangalPandeyonpaymentoftwoequalamountsofRs1000each,oneattheendofthefirstyear

andtheotherattheendofthesecondyearWhatistheapproximatevalueoftheamountborrowedbyhim?(AccessCode

-0110017)

(1)Rs185 ()Rs17 ()Rs194 (4)Rs179 (5)Rs1800

IfaprincipalAbecomesBinyearswheninterestCiscompoundedhalf-yearlyAndifthesameprincipalAbecomesBin

yearswheninterestDiscompoundedannually,thenwhichofthefollowingistrue(AccessCode-0110018)

(1)C>D ()C=D ()C


15/16

Ch3||BMM10232|74144

Softloanisapartofthetotalloanandtheinterestonthisloanishalfthenormalrateofinterestcharged

7 SoldierAtooksomeloanunderscheme1,soldierBunderscheme,soldierCunderschemeandsoldierDunderscheme

4Iftheygetthemaximumloanundertheirrespectiveschemesforoneyear,findwhichloanisMUL(MUL,MaximumUtility

Loan,isdefinedastheratioofthetotalloantointerestpaidoverthetimeLowerthisratiothebettertheMUL)(AccessCode

-01100)(1)A ()B ()C (4)D (5)Noneofthese

8 Extendingthisplan,ISBIfurtherannouncedthatwidowsofallthemartyrscangettheloansinwhichtheproportionofsoft

loanwillbedoubleThisincreaseintheproportionofthesoftloancomponentisonlyapplicableforthefirstyearForall

subsequentyears,thesoftloancomponentapplicableontheloan,followsthevaluesprovidedinthetableThewidowof

asoldiertakesRs40,000underscheme1inoneaccountfor1yearandRs0,000underschemeforyearsFindthetotal

interestpaidbyherovertheyearperiod(AccessCode-01100)

(1)Rs11,00 ()Rs10,000 ()Rs8800 (4)Rs9000 (5)Rs9500

DiciQ.9-10:

MrDavidmanufacturesandsellsasingleproductatafixedpriceinanichemarketThesellingpriceofeachunitisRs0

Ontheotherhand,thecost,inrupees,ofproducingxunitsis40+bx+cx,wherebandcaresomeconstantsMrDavid

noticedthat

doublingthedailyproductionfrom0to40unitsincreasesthedailyproductioncostby2

66 %.3

However,anincreasein

daily

productionfrom40to0unitsresultsinanincreaseof ony50inthedailyproductioncostAssumethatdemandis

unlimitedandthatMrDavidcansellasmuchashecanproduceHisobjectiveistomaximizetheprofit

9 HowmanyunitsshouldMrDavidproducedaily?(AccessCode-011004)

(1)100 ()70()150(4)10(5)Cannotbedetermined

10 Whatisthemaximumdailyprofit,inrupees,thatMrDavidcanrealizefromhisbusiness?(AccessCode-011005)

(1)90 ()840()70(4)0(5)Cannotbedetermined

SCORESHEET

UHBciy.Abidbyhi-ii

1

1 4 5

1 4 5

4

1 4 5

1 4 5

5

1 4 5

1 4 5

7

8

1 4 5

1 4 5

9

10

1 4 5

1 4 5


16/16

Ch3||BMM10232|74144

Aw

PcicExci-1

1() 4(1) 7() 10(5) 1()

(5) 5(ndoption)8() 11(1) 14(1)

(5) () 9(1) 1(1) 15(4)

PcicExci-2

1(5) () 5() 7(4) 9(1)

() 4(1) () 8() 10()

BMM10232_Chapter 3_Interest.pdf

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