Illustrative estimates only; not financial or legal advice. VyajPay app loan records do not compound interest. Check local lending rules. Disclaimers.
Estimates only — for record-keeping reference. VyajPay does not provide loans or financial advice.
Byaj ka formula — ek baar samajh lijiye
Simple byaj (साधारण ब्याज): Interest = (Principal × Rate × Time) ÷ 100. Yeh Indian lending ka default hai — mool rakam par hi byaj lagta hai, har mahine same. ₹50,000 at 1.5% monthly for 10 months = 50000 × 1.5 × 10 ÷ 100 = ₹7,500.
Compound byaj (चक्रवृद्धि): har period ka byaj principal mein jud jaata hai, agle period ka byaj us bade amount par lagta hai. Lambi avadhi mein farak bada ho jaata hai — isliye compound option upar diya hai.
Sekdo: "2 rupaye sekda" = ₹2 per ₹100 per month = 2% monthly = 24% yearly. Traditional mandi aur bazaar lending isi mein boli jaati hai — calculator ka "Monthly (sekdo)" mode wahi hai. Detailed Hindi examples ke liye humara guide padhiye: Byaj/Vyaj formula in Hindi.
Calculator se aage — pura byaj khata
Ek sum calculator karta hai. Par 20 borrowers, alag-alag rates, beech mein payments — woh hisab haath se nahi hota. VyajPay app har cycle ka byaj calculate karta hai, WhatsApp par due-list bhejta hai, aur PDF statement ek tap mein deta hai. Unlimited entries free.
Aksar puchhe jaane waale sawaal (FAQ)
Aur tools & guides
Zyada calculators: Simple Interest, Compound Interest, EMI Calculator