Effective Annual Rate ची गणना कशी करावी
Effective Annual Rate म्हणजे काय?
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.
चरण-दर-चरण मार्गदर्शक
- 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
इनपुट
12% nominal, monthly compounding
परिणाम
EAR = 12.68%
(1 + 0.12/12)^12 − 1
इनपुट
12% nominal, daily compounding
परिणाम
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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