Daily aur 10-din collection ka hisab: roz ki kisht kaise ginein aur rakhein
Seedha jawab: daily collection ka hisab teen numbers par chalta hai: kitna diya (₹10,000), roz kitna lena (₹120) aur kitne din (100). Kul vasooli ₹12,000, yaani ₹2,000 kamai.
Roz ki kamai ₹20 hai, jo diye gaye paise ka 0.2% roz hai. Yeh mahine me lagbhag 6% flat banta hai.
VyajPay ke users me daily collection karne wale lenders ki ek baat baar-baar aayi: roz paisa aata hai, to baaki rakam bhi saath-saath kam hoti dikhni chahiye, taaki pata rahe ki abhi kitna lena hai. Yeh guide usi hisab ke baare me hai: daily aur 10-din ki vasooli ko kaise ginein, app me kaise rakhein, aur chhooti kisht ka kya karein.
Daily collection ke do aam tareeke
- Bina % ke: "₹10,000 lo, 100 din tak ₹120 roz do." Yahan byaj ki dar kabhi boli nahi jaati; kamai kul rakam me chhupi hoti hai.
- % ke saath, chhoti cycle: "₹50,000 par 2% har 10 din." Har 10 din ₹1,000 byaj, mool alag se.
Bina % wale loan ka asli hisab
Pehle tareeke me dar chhupi hoti hai, lekin use nikaalna aasaan hai:
Kamai = 12,000 − 10,000 = ₹2,000
Roz ki kamai = 2,000 ÷ 100 = ₹20 = 10,000 ka 0.2%
Mahine me (30 din) = 0.2% × 30 = 6%
Matlab ₹120 ki har kisht me ₹100 mool ka hissa hai aur ₹20 kamai. Kuch aam combinations:
| Diya | Roz × din | Kul vasooli | Kamai | Roz | Mahina (flat) |
|---|---|---|---|---|---|
| ₹10,000 | ₹100 × 120 | ₹12,000 | ₹2,000 | 0.167% | 5% |
| ₹10,000 | ₹120 × 100 | ₹12,000 | ₹2,000 | 0.2% | 6% |
| ₹20,000 | ₹250 × 100 | ₹25,000 | ₹5,000 | 0.25% | 7.5% |
| ₹50,000 | ₹600 × 100 | ₹60,000 | ₹10,000 | 0.2% | 6% |
Pehli do lines dhyan se dekhiye: dono me ₹10,000 par ₹2,000 kamai hai, par 100 din wali vasooli 120 din wali se tez hai, isliye uski dar zyada padti hai. "Flat" ka matlab hai ki yeh pratishat poore ₹10,000 par gina gaya hai. Borrower roz mool bhi lauta raha hai, isliye uske haath me jo paisa bacha hai, us par asli bojh isse bhi kaafi zyada padta hai.
VyajPay me daily loan kaise banaye
Daily collection ek Flat loan hai jiski cycle "har din" hai. Upar wali ₹10,000 / ₹120 × 100 din ki misaal ke liye:
- Loan type: Flat
- Rakam: ₹10,000
- Cycle: Every day (har din)
- Kishte: 100
- Dar: 0.2% (each cycle)
App kisht aise ginta hai:
= 10,000 ÷ 100 + 10,000 × 0.2 ÷ 100 = 100 + 20 = ₹120
Apne loan ki dar nikaalne ke liye:
Agar jawab lamba decimal aaye (jaise ₹100 × 120 din me 0.1667%), to loan banane ke baad screen par kisht zaroor dekhiye ki wahi rakam aa rahi hai jo aapne borrower se tay ki hai.
Kisht wale Flat loan me baaki rakam har payment ke saath ghat-ti hai: kul vasooli me se ab tak mila hua. Isse har din saaf dikhta hai ki is borrower se abhi kitna lena hai.
Chhooti kisht, double kisht aur chhutti
Kisht chhoot gayi
Jo kisht due thi par mili nahi, app use overdue me dikhata hai: kitni kishte chhooti aur kitne din late. Agar aap der par late fee lete hain, to use loan par "Add late fee" se alag set kijiye, taaki kisht aur late fee ka hisab mile nahi.
Agle din double kisht aayi
Jo paisa aaj mila, use aaj ki tareekh se ek payment me darj kijiye: ₹240, note me "kal ki + aaj ki kisht". Baaki rakam turant ₹240 se ghategi.
Ravivaar ki chhutti
"Har din" cycle me app calendar ka har din ginta hai, Ravivaar bhi. Agar aap Ravivaar ko vasooli nahi karte, to borrower ke saath pehle hi tay kijiye ki 100 kishte kitne calendar din me poori hongi, aur hisab usi ke hisaab se rakhiye. Varna har Ravivaar ek "chhooti kisht" dikhegi jo asal me chhooti nahi thi.
10-din ya hafte ka byaj
Doosre tareeke me, jahan dar boli jaati hai par cycle chhoti hai:
- Har 10 din sirf byaj, mool baad me: Interest-Only loan, cycle "har 10 din". ₹50,000 par 2% = ₹1,000 har 10 din, yaani mahine me lagbhag ₹3,000.
- Hafte ki fix kisht: Flat loan, cycle "har 7 din", aur kishton ki ginti.
Yaad rakhiye, "2% har 10 din" aur "2% mahina" me teen guna ka fark hai. Iska poora table mahine ka byaj kaise ginein me hai.
Roz subah ki vasooli list
Bahut saare borrowers hon to sabse kaam ki cheez hai subah ki list: aaj kis se kitna lena hai. VyajPay Pro me yeh list roz subah aapke WhatsApp par aati hai. Yeh list sirf aapke liye hoti hai; isse borrowers ko koi message nahi jaata.
Vasooli karne walon ke liye 4 aadatein
- Paisa milte hi darj kijiye. VyajPay internet ke bina bhi chalta hai; entry phone me save hoti hai aur net aate hi sync ho jaati hai.
- Har payment ke saath tareeka likhiye: cash ya UPI. Mahine ke aakhir me cash ka milan isi se hota hai.
- Hafte me ek baar overdue list dekhiye. Jo borrower lagaatar 2-3 kisht chhod raha hai, use jaldi pakadna aasaan hai.
- Aakhri kisht milte hi loan close kijiye, taaki aapki list me sirf chalu loan dikhein.
Aksar poochhe jaane wale sawaal
₹10,000 par ₹120 roz 100 din, kitna byaj hua?
Kul ₹12,000 vasooli, yaani ₹2,000 kamai. Yeh roz 0.2% hai, aur mahine me lagbhag 6%, poore ₹10,000 par flat.
Daily collection me baaki rakam kaise dekhein?
Kishton wala Flat loan banaiye. Baaki rakam = kul vasooli − ab tak mila, aur yeh har payment ke saath ghat-ti hai.
Ravivaar ko vasooli na ho to?
'Har din' cycle har calendar din ginti hai. Borrower ke saath pehle tay kijiye ki kishte kitne din me poori hongi, taaki Ravivaar chhooti kisht na dikhe.
10 din ka byaj app me kaise rakhein?
Interest-Only loan banaiye aur cycle 'har 10 din' chuniye. ₹50,000 par 2% ho to har 10 din ₹1,000.
Free VyajPay tools
- Flat rate EMI calculator
- Interest rate calculator: kul vasooli se asli dar nikaaliye
- Loan types compare kijiye