Effective Annual Rate ની ગણતરી કેવી રીતે કરવી
Effective Annual Rate શું છે?
Effective Annual Rate (EAR), also called Annual Equivalent Rate (AER), is the actual annual interest rate accounting for compounding within the year. It allows comparison of loans or investments with different compounding frequencies.
પગલું દ્વારા પગલું માર્ગદર્શિકા
- 1EAR = (1 + r/n)^n − 1
- 2r = nominal (stated) annual rate, n = compounding periods per year
- 3Daily compounding always gives a higher EAR than monthly, which is higher than annual
- 4APY (Annual Percentage Yield) on savings accounts IS the EAR
Worked Examples
ઇનપુટ
12% nominal, monthly compounding
પરિણામ
EAR = 12.68%
(1 + 0.12/12)^12 − 1
ઇનપુટ
12% nominal, daily compounding
પરિણામ
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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