BMM10232_Chapter 3_Interest.pdf
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Transcript of BMM10232_Chapter 3_Interest.pdf
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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
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7/28/2019 BMM10232_Chapter 3_Interest.pdf
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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
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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
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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
= =
= + (+)
=+
+
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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
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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=
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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==
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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?
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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
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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
==
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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
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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
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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
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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()