{"id":7169,"date":"2026-04-21T14:20:38","date_gmt":"2026-04-21T08:20:38","guid":{"rendered":"https:\/\/swosti.net\/?p=7169"},"modified":"2026-04-21T15:00:29","modified_gmt":"2026-04-21T09:00:29","slug":"%e0%a6%95%e0%a7%8d%e0%a6%b0%e0%a6%ae%e0%a6%b9%e0%a7%8d%e0%a6%b0%e0%a6%be%e0%a6%b8%e0%a6%ae%e0%a6%be%e0%a6%a8-decline-method-%e0%a6%a8%e0%a6%be-%e0%a6%b8%e0%a6%b0%e0%a6%b2-%e0%a6%aa%e0%a6%a6","status":"publish","type":"post","link":"https:\/\/swosti.net\/bn\/%e0%a6%95%e0%a7%8d%e0%a6%b0%e0%a6%ae%e0%a6%b9%e0%a7%8d%e0%a6%b0%e0%a6%be%e0%a6%b8%e0%a6%ae%e0%a6%be%e0%a6%a8-decline-method-%e0%a6%a8%e0%a6%be-%e0%a6%b8%e0%a6%b0%e0%a6%b2-%e0%a6%aa%e0%a6%a6\/","title":{"rendered":"\u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 (Decline Method) \u00a0\u09a8\u09be \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf (Flat Method) \u0995\u09cb\u09a8 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0 \u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u0982\u09b8\u09cd\u09a5\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u0985\u09a7\u09bf\u0995\u09a4\u09b0 \u09b2\u09be\u09ad\u099c\u09a8\u0995?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7169\" class=\"elementor elementor-7169\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02b3a5e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"02b3a5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dfebd8 elementor-widget elementor-widget-text-editor\" data-id=\"4dfebd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09b0 \u09a6\u09b6\u099f\u09be \u09aa\u09a3\u09cd\u09af\u09c7\u09b0 \u09ae\u09a4\u09cb \u0985\u09b0\u09cd\u09a5\u0993 \u098f\u0995\u09a7\u09b0\u09a8\u09c7\u09b0 \u09aa\u09a3\u09cd\u09af \u09af\u0996\u09a8 \u09a4\u09be \u09a7\u09be\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u09ac\u09cd\u09af\u09ac\u09b9\u09c3\u09a4 \u09b9\u09df\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u098f\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09bf\u09a4 \u09b9\u09df \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u09ac\u09be \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b0 \u09b9\u09be\u09b0-\u098f\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7\u0964 \u09af\u09c7\u09ae\u09a8 \u09a7\u09b0\u09c1\u09a8, \u0985\u09b0\u09cd\u09a5 \u09ac\u09be \u099f\u09be\u0995\u09be\u09b0 \u09b8\u09cd\u09ac\u09b2\u09cd\u09aa\u09a4\u09be\u09b0 \u09b8\u09ae\u09df \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cb\u09a8\u09cb \u098f\u0995 \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8\u09c7 \u09af\u09a6\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09ac\u09be \u0985\u09a8\u09cd\u09af\u0995\u09cb\u09a8 \u0985\u09b0\u09cd\u09a5\u09b2\u0997\u09cd\u09a8\u09c0 \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8\u09c7 \u098b\u09a3 \u0995\u09b0\u09a4\u09c7 \u09af\u09be\u09a8, \u09a6\u09c7\u0996\u09ac\u09c7\u09a8 \u09af\u09c7 \u09a4\u09be\u09a6\u09c7\u09b0 \u098b\u09a3\u09c7\u09b0 \u09b9\u09be\u09b0 \u09b8\u09c7\u09b8\u09ae\u09df\u09c7 \u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995\u09ad\u09be\u09ac\u09c7 \u09ac\u09c7\u09b6\u09c0 \u09a5\u09be\u0995\u09c7\u0964 \u0985\u09aa\u09b0\u09a6\u09bf\u0995\u09c7, \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u09aa\u09cd\u09b0\u09be\u099a\u09c1\u09b0\u09cd\u09af\u09c7\u09b0 \u09b8\u09ae\u09df \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u0993 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u09ac\u09be\u099c\u09be\u09b0\u09c7 \u099a\u09be\u09b9\u09bf\u09a6\u09be \u0993 \u09b8\u09b0\u09ac\u09b0\u09be\u09b9\u2019\u0987 \u09ae\u09c2\u09b2 \u099a\u09be\u09b2\u09bf\u0995\u09be\u09b6\u0995\u09cd\u09a4\u09bf \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09a3 \u0995\u09b0\u09c7 \u09a5\u09be\u0995\u09c7, \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af \u09a6\u09bf\u09df\u09c7\u0964<\/p><p>\u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6\u09c7 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0\u098b\u09a3 \u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae\u09c7 \u09b8\u09c1\u09a6 \u09ac\u09be \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac \u09a8\u09bf\u09b0\u09cd\u09a3\u09df\u09c7 \u09e8\u09a7\u09b0\u09a8\u09c7\u09b0 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u09aa\u09cd\u09b0\u099a\u09b2\u09bf\u09a4 \u09b0\u09df\u09c7\u099b\u09c7 &#8211;\u00a0 \u09ab\u09cd\u09b2\u09cd\u09af\u09be\u099f \u09ae\u09c7\u09a5\u09a1 (Flat Method of interest calculation) \u09ac\u09be \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u098f\u09ac\u0982 \u09a1\u09bf\u0995\u09cd\u09b2\u09be\u0987\u09a8 \u09ae\u09c7\u09a5\u09a1 (Decline Method) \u09ac\u09be \u09b0\u09bf\u09a1\u09bf\u0989\u09b8\u09bf\u0982 \u09ac\u09cd\u09af\u09be\u09b2\u09be\u09a8\u09cd\u09b8 \u09ae\u09c7\u09a5\u09a1 (Reducing Balance Method) \u09ac\u09be \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u0964 \u09b8\u09b9\u099c\u09ad\u09be\u09ac\u09c7 \u09ac\u09c1\u099d\u09a4\u09c7 \u09aa\u09be\u09b0\u09be \u09ac\u09be \u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be\u09b0 \u0995\u09be\u09b0\u09a8\u09c7 \u098f\u0996\u09a8\u09cb \u09ac\u09c7\u09b6\u09bf\u09b0\u09ad\u09be\u0997 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0\u098b\u09a3\u09c7\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df \u0995\u09b0\u09be \u09b9\u09df\u0964<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ec613e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"2ec613e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae7f275 elementor-widget elementor-widget-image\" data-id=\"ae7f275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"729\" height=\"729\" src=\"https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/flat-method-and-decline-method-blog.jpg\" class=\"attachment-medium_large size-medium_large wp-image-7172\" alt=\"\" srcset=\"https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/flat-method-and-decline-method-blog.jpg 729w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/flat-method-and-decline-method-blog-300x300.jpg 300w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/flat-method-and-decline-method-blog-150x150.jpg 150w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/flat-method-and-decline-method-blog-12x12.jpg 12w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/flat-method-and-decline-method-blog-600x600.jpg 600w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/flat-method-and-decline-method-blog-100x100.jpg 100w\" sizes=\"(max-width: 729px) 100vw, 729px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3500f59 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"3500f59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b230ffb elementor-widget elementor-widget-text-editor\" data-id=\"b230ffb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u09a4\u09ab\u09be\u09ce\u0997\u09c1\u09b2\u09bf \u0995\u09bf \u0995\u09bf?<\/strong><\/p><ul><li><strong>\u09b8\u09be\u09b6\u09cd\u09b0\u09df\u09c0 (<\/strong><strong>Cost Effectiveness<\/strong><strong>): <\/strong><ul><li><strong>\u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf:<\/strong> \u09a1\u09bf\u0995\u09cd\u09b2\u09be\u0987\u09a8 \u09ac\u09cd\u09af\u09be\u09b2\u09be\u09a8\u09cd\u09b8 \u09ac\u09be \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u0995\u09c7\u09ac\u09b2\u09ae\u09be\u09a4\u09cd\u09b0 \u0985\u09a8\u09be\u09a6\u09be\u09df\u09c0 \u09ac\u09be \u0985\u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09bf\u09a4 \u098b\u09a3\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf \u09ac\u09be \u09ac\u09cd\u09af\u09be\u09b2\u09a8\u09cd\u09b8\u09c7\u09b0 \u0989\u09aa\u09b0 \u09b8\u09c1\u09a6 \u09b9\u09bf\u09b8\u09be\u09ac \u0995\u09b0\u09be \u09b9\u09df\u0964 \u09af\u09be\u09b0 \u0995\u09be\u09b0\u09a8\u09c7, \u098b\u09a3\u09c7\u09b0 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09be\u09a5\u09c7 \u09aa\u09b0\u09cd\u09af\u09be\u09df\u0995\u09cd\u09b0\u09ae\u09c7 \u098b\u09a3\u09c7\u09b0 (\u0986\u09b8\u09b2) \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7 \u098f\u09ac\u0982 \u0989\u0995\u09cd\u09a4 \u09b9\u09cd\u09b0\u09be\u09b8\u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u098b\u09a3\u09c7\u09b0 \u0989\u09aa\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8\u0993 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7\u0964<\/li><li><strong>\u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf:<\/strong> \u098f\u0987 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09aa\u09cd\u09b0\u09a5\u09ae\u09c7\u0987 \u098b\u09a3\u09c7\u09b0 \u09aa\u09c1\u09b0\u09cb \u09ae\u09c7\u09df\u09be\u09a6\u09c7 \u0995\u09be\u09b0\u09cd\u09af\u09b0\u09a4 \u09a7\u09b0\u09c7 \u09a8\u09bf\u09df\u09c7 \u098b\u09a3\u09c7\u09b0 \u0986\u09b8\u09b2\u09c7\u09b0 \u0989\u09aa\u09b0\u09c7 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09ac\u09c7\u09b0 \u0995\u09b0\u09c7 \u09a8\u09c7\u09df\u09be \u09b9\u09df, \u098f\u09ac\u0982 \u0989\u0995\u09cd\u09a4 \u09b8\u09c1\u09a6\u0995\u09c7 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09b8\u0982\u0996\u09cd\u09af\u09be \u09a6\u09bf\u09df\u09c7 \u09ad\u09be\u0997 \u0995\u09b0\u09c7 \u09aa\u09cd\u09b0\u09a4\u09bf\u0995\u09bf\u09b8\u09cd\u09a4\u09bf\u09a4\u09c7 \u09a4\u09be \u09b8\u09ae\u09ad\u09be\u09ac\u09c7 \u09ac\u09bf\u09a4\u09b0\u09a3 (distribute) \u0995\u09b0\u09be \u09b9\u09df\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u098b\u09a3\u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u098b\u09a3\u09ac\u09cd\u09af\u09be\u09b2\u09be\u09a8\u09cd\u09b8 \u0995\u09ae\u09b2\u09c7\u0993 \u09b8\u09c1\u09a6 \u09aa\u09b0\u09bf\u09ac\u09b0\u09cd\u09a4\u09bf\u09a4 \u09b9\u09df \u09a8\u09be\u0964 \u09ab\u09b2\u09b6\u09cd\u09b0\u09c1\u09a4\u09bf\u09a4\u09c7, \u098b\u09a3\u09c0 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u0996\u09b0\u099a (Effective Interest Rate) \u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995\u09ad\u09be\u09ac\u09c7 \u0985\u09a8\u09c7\u0995 \u09ac\u09c7\u09b6\u09c0 \u09aa\u09dc\u09c7 \u09af\u09be\u09df\u0964<\/li><\/ul><\/li><\/ul><ul><li><strong>\u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09b8\u09cd\u09ac\u099a\u09cd\u099b\u09a4\u09be (<\/strong><strong>Transparency<\/strong><strong>):<\/strong><ul><li>\u0985\u09b0\u09cd\u09a5 \u09af\u0996\u09a8 \u098b\u09a3 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u09ac\u09bf\u09a4\u09b0\u09a3 \u0995\u09b0\u09be \u09b9\u09df, \u09a4\u0996\u09a8 \u09a7\u09b0\u09c7 \u09a8\u09c7\u09df\u09be \u09b9\u09df \u09a4\u09be \u098f\u0995\u099f\u09bf \u2018\u09aa\u09a3\u09cd\u09af\u2019, \u09af\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09bf\u09a4 \u09b9\u09df \u09b8\u09c1\u09a6 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7\u0964 \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09af\u09c7 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u0985\u09b0\u09cd\u09a5 \u098b\u09a3\u09c0\u09b0 \u0995\u09be\u099b\u09c7 \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8\u09c7 \u0985\u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09bf\u09a4 \u0985\u09ac\u09b8\u09cd\u09a5\u09be\u09df \u09b0\u09df\u09c7\u099b\u09c7, \u0995\u09c7\u09ac\u09b2\u09ae\u09be\u09a4\u09cd\u09b0 \u09b8\u09c7\u099f\u09c1\u0995\u09c1\u2019\u09b0 \u0989\u09aa\u09b0 \u09b8\u09c1\u09a6 \u09b9\u09bf\u09b8\u09be\u09ac \u0995\u09b0\u09be \u09b9\u09df\u0964 \u09ab\u09b2\u09a4: \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u098b\u09a3\u09c7\u09b0 \u09b8\u09c1\u09a6 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df\u0995\u09b0\u09a3 \u0985\u09a7\u09bf\u0995\u09ae\u09be\u09a4\u09cd\u09b0\u09be\u09df \u098b\u09a3\u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae\u09c7\u09b0 \u09b8\u09cd\u09ac\u099a\u09cd\u099b\u09a4\u09be \u09a8\u09bf\u09b6\u09cd\u099a\u09bf\u09a4 \u0995\u09b0\u09c7\u0964<\/li><li>\u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09b8\u09c1\u09a6 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df \u0985\u09a8\u09c7\u0995\u09be\u0982\u09b6\u09c7 \u09a6\u09cd\u09ac\u09be\u09b0\u09cd\u09a5\u09cd\u09af\u09ac\u09cb\u09a7\u0995 (deceptive)\u0964 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u09a6\u09bf\u09df\u09c7 \u09ae\u09cb\u099f \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df \u0995\u09b0\u09be\u09b0 \u09aa\u09b0\u09c7, \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09be\u09a5\u09c7 \u09a4\u09be \u09ae\u09cb\u099f \u09b8\u09c1\u09a6\u09c7\u09b0 \u0989\u09aa\u09b0 \u0995\u09cb\u09a8\u09cb\u09b0\u0995\u09ae \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u09a4\u09c8\u09b0\u09c0 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7 \u09a8\u09be, \u09af\u09be \u0995\u09bf\u09a8\u09be \u098b\u09a3\u09c7\u09b0 \u0996\u09b0\u099a \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u0995\u09b0\u09c7 \u09ac\u09b9\u09c1\u09b2\u09be\u0982\u09b6\u09c7\u0964<\/li><\/ul><\/li><\/ul><p>\u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u09ad\u09be\u09ac\u09c7 \u09ac\u09b2\u09be \u09af\u09be\u09df, \u098f\u0995\u0987 \u0985\u0982\u0995\u09c7\u09b0 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09af\u09c7 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09b8\u09c1\u09a6 \u09b9\u09bf\u09b8\u09be\u09ac\u09ad\u09c1\u0995\u09cd\u09a4 \u09b9\u09df, \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u098f\u0995\u099c\u09a8 \u098b\u09a3\u09c0\u0995\u09c7 \u09a4\u09be\u09b0 \u09aa\u09cd\u09b0\u09be\u09df \u09a6\u09cd\u09ac\u09bf\u0997\u09c1\u09a8 \u09b8\u09c1\u09a6\u0996\u09b0\u099a \u09ac\u09b9\u09a8 \u0995\u09b0\u09a4\u09c7 \u09b9\u09ac\u09c7\u0964\u00a0 \u00a0<\/p><ul><li><strong>\u09a8\u09bf\u09df\u09a8\u09cd\u09a4\u09cd\u09b0\u0995 \u09b8\u0982\u09b8\u09cd\u09a5\u09be\u09b0 \u09a8\u09bf\u09df\u09ae\u09c7\u09b0 \u09aa\u09cd\u09b0\u09a4\u09bf\u09aa\u09be\u09b2\u09a8:<\/strong><ul><li>\u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6\u09c7 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0\u098b\u09a3 \u098f\u09a8\u099c\u09bf\u0993\u0997\u09c1\u09b2\u09bf \u098f\u09ae\u0986\u09b0\u098f-\u098f\u09b0 \u0997\u09be\u0987\u09a1\u09b2\u09be\u0987\u09a8 \u0985\u09a8\u09c1\u09af\u09be\u09df\u09c0 \u098b\u09a3\u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u0995\u09b0\u09c7 \u09a5\u09be\u0995\u09c7\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7, \u098f\u09ae\u0986\u09b0\u098f \u0995\u09b0\u09cd\u09a4\u09c3\u0995 \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09bf\u09a4 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u09b9\u09be\u09b0 \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea \u09b6\u09a4\u09be\u0982\u09b6\u0964<\/li><li>\u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0 \u0995\u09ae \u09a6\u09c7\u0996\u09be\u09b2\u09c7\u0993 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b2\u09c1\u0995\u09be\u09df\u09bf\u09a4 \u0996\u09b0\u099a \u098b\u09a3\u09c0 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u2019\u09b0 \u099c\u09a8\u09cd\u09af \u0985\u09a8\u09c7\u0995\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7\u0987 \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u09a6\u09be\u09df \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u09aa\u09b0\u09bf\u0997\u09a3\u09bf\u09a4 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u09af\u09c7\u0995\u09be\u09b0\u09a8\u09c7, \u098f\u09ae\u0986\u09b0\u098f \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u098b\u09a3\u09c7\u09b0 \u09b8\u09c1\u09a6 \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09a3\u09c7 \u09a8\u09c0\u09a4\u09bf\u0997\u09a4\u09ad\u09be\u09ac\u09c7 \u09a8\u09bf\u09b0\u09c1\u09ce\u09b8\u09be\u09b9\u09bf\u09a4 \u0995\u09b0\u09c7\u099b\u09c7\u0964<\/li><\/ul><\/li><\/ul><p><strong>\u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995 \u099a\u09bf\u09a4\u09cd\u09b0: <\/strong><\/p><table width=\"618\"><tbody><tr><td width=\"32\"><p><strong>\u0995\u09cd\u09b0\u09ae<\/strong><\/p><\/td><td width=\"142\"><p><strong>\u09ac\u09c8\u09b6\u09bf\u09b7\u09cd\u099f\u09cd\u09af<\/strong><\/p><\/td><td width=\"216\"><p><strong>\u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf<\/strong><\/p><\/td><td width=\"228\"><p><strong>\u0995\u09cd\u09b0\u09ae:\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf<\/strong><\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09e7.<\/p><\/td><td width=\"142\"><p>\u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09ae\u09c2\u09b2 \/ \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf (Calculation basis)<\/p><\/td><td width=\"216\"><p>\u09ac\u09bf\u09a4\u09b0\u09a3\u0995\u09c3\u09a4 \u09ae\u09c2\u09b2 \u098b\u09a3 (\u0986\u09b8\u09b2)<\/p><\/td><td width=\"228\"><p>\u0985\u09ac\u09b6\u09bf\u09b7\u09cd\u099f \u098b\u09a3 (outstanding loan)<\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09e8.<\/p><\/td><td width=\"142\"><p>\u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8<\/p><\/td><td width=\"216\"><p>\u09aa\u09cd\u09b0\u09a4\u09bf \u0995\u09bf\u09b8\u09cd\u09a4\u09bf\u09a4\u09c7 (\/\u09ae\u09be\u09b8\u09c7 \/\u09b8\u09aa\u09cd\u09a4\u09be\u09b9\u09c7) \u098f\u0995\u0987 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8<\/p><\/td><td width=\"228\"><p>\u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09aa\u09c2\u09b0\u09cd\u09ac\u0995 \u09aa\u09b0\u09cd\u09af\u09be\u09df\u0995\u09cd\u09b0\u09ae\u09c7 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7<\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09e9.<\/p><\/td><td width=\"142\"><p>\u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u0996\u09b0\u099a (Real Cost)<\/p><\/td><td width=\"216\"><p>\u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u09ae\u09cb\u099f \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09cd\u09b0\u09be\u09df \u09a6\u09cd\u09ac\u09bf\u0997\u09c1\u09a8\u09c7\u09b0 \u09b8\u09ae\u09aa\u09b0\u09bf\u09ae\u09be\u09a8<\/p><\/td><td width=\"228\"><p>\u09aa\u09cd\u09b0\u0995\u09be\u09b6\u09bf\u09a4 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ab\u09b2\u09a8 \u09aa\u09be\u0993\u09df\u09be \u09af\u09be\u09df<\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09ea.<\/p><\/td><td width=\"142\"><p>\u09b9\u09bf\u09b8\u09be\u09ac \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf<\/p><\/td><td width=\"216\"><p>\u09b8\u09b9\u099c\u09c7\u0987 \u09ac\u09cb\u09a7\u09cb\u0997\u09ae\u09cd\u09af<\/p><\/td><td width=\"228\"><p>\u0997\u09a3\u09a8\u09be\u09b8\u09be\u09aa\u09c7\u0995\u09cd\u09b7<\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09eb.<\/p><\/td><td width=\"142\"><p>\u098f\u09ae\u0986\u09b0\u098f \u09a8\u09c0\u09a4\u09bf\u09ae\u09be\u09b2\u09be<\/p><\/td><td width=\"216\"><p>\u09a8\u09bf\u09b0\u09c1\u09ce\u09b8\u09be\u09b9\u09bf\u09a4 \u0995\u09b0\u09be \u09b9\u09df\u09c7\u099b\u09c7<\/p><\/td><td width=\"228\"><p>\u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995 (\u09b8\u09c1\u09a6\u09c7\u09b0 \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u09b9\u09be\u09b0 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea%)<\/p><\/td><\/tr><\/tbody><\/table><p><strong>\u00a0<\/strong><\/p><p><strong>\u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995 \u099a\u09bf\u09a4\u09cd\u09b0: \u09ac\u09bf\u09a4\u09b0\u09a3\u0995\u09c3\u09a4 \u098b\u09a3: \u09e7\u09e6\u09e6,\u09e6\u09e6\u09e6 \u099f\u09be\u0995\u09be, \u09e7\u09ac\u099b\u09b0\u09c7\u09b0 \u099c\u09a8\u09cd\u09af (\u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0: \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea%)<\/strong><\/p><table><tbody><tr><td width=\"32\"><p><strong>\u0995\u09cd\u09b0\u09ae<\/strong><\/p><\/td><td width=\"238\"><p><strong>\u09ac\u09c8\u09b6\u09bf\u09b7\u09cd\u099f\u09cd\u09af<\/strong><\/p><\/td><td width=\"168\"><p><strong>\u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf<\/strong><\/p><\/td><td width=\"163\"><p><strong>\u0995\u09cd\u09b0\u09ae:\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf<\/strong><\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09e7.<\/p><\/td><td width=\"238\"><p>\u09ae\u09be\u09b8\u09bf\u0995 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf (Monthly Installment)<\/p><\/td><td width=\"168\"><p>\u099f\u09be.\u09e7\u09e6,\u09e9\u09e9\u09e9<\/p><\/td><td width=\"163\"><p>\u099f\u09be. \u09ef,\u09ea\u09eb\u09ec<\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09e8.<\/p><\/td><td width=\"238\"><p>\u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 (\u09ae\u09cb\u099f)<\/p><\/td><td width=\"168\"><p>\u099f\u09be. \u09e8\u09ea,\u09e6\u09e6\u09e6<\/p><\/td><td width=\"163\"><p>\u099f\u09be. \u09e7\u09e9,\u09ea\u09ed\u09e8<\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09e9.<\/p><\/td><td width=\"238\"><p>\u09ae\u09cb\u099f \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 (Repayment)<\/p><\/td><td width=\"168\"><p>\u099f\u09be. \u09e7\u09e8\u09ea,\u09e6\u09e6\u09e6<\/p><\/td><td width=\"163\"><p>\u099f\u09be. \u09e7\u09e7\u09e9,\u09ea\u09ed\u09e8<\/p><\/td><\/tr><tr><td width=\"32\"><p>\u09ea.<\/p><\/td><td width=\"238\"><p>\u09ae\u09cb\u099f \u09b8\u09be\u09b6\u09cd\u09b0\u09df (Total Savings)<\/p><\/td><td width=\"168\"><p>&#8212;<\/p><\/td><td width=\"163\"><p>\u099f\u09be. \u09e7\u09e6,\u09eb\u09e8\u09ee<\/p><\/td><\/tr><\/tbody><\/table><p><strong>\u09ae\u09c2\u09b2\u09a4: \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea% \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u09ac\u09bf\u09aa\u09b0\u09c0\u09a4\u09c7 \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09b8\u09ae\u09a4\u09c1\u09b2\u09cd\u09af (equivalent) \u09b8\u09c1\u09a6\u09b9\u09be\u09b0 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e7\u09e9.\u09eb%\u0964 <\/strong>\u09a6\u09c1\u0987\u099f\u09bf \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u09ae\u09be\u09b8\u09bf\u0995 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995 \u0996\u09b0\u099a \u09a8\u09c0\u099a\u09c7\u09b0 \u0997\u09cd\u09b0\u09be\u09ab\u099f\u09bf\u09a4\u09c7 \u09a6\u09c7\u0996\u09be\u09a8\u09cb \u09b9\u09b2\u09cb-<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6753d3f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6753d3f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ee1877 elementor-widget elementor-widget-image\" data-id=\"8ee1877\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"509\" src=\"https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-768x509.png\" class=\"attachment-medium_large size-medium_large wp-image-7173\" alt=\"\" srcset=\"https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-768x509.png 768w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-300x199.png 300w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-1024x679.png 1024w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-1536x1018.png 1536w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-2048x1358.png 2048w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-18x12.png 18w, https:\/\/swosti.net\/wp-content\/uploads\/2026\/04\/graph-method-600x398.png 600w\" sizes=\"(max-width: 768px) 100vw, 768px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fa9082 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"2fa9082\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afc4cff elementor-widget elementor-widget-text-editor\" data-id=\"afc4cff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u09aa\u09b0\u09bf\u09b6\u09c7\u09b7\u09c7:<\/strong><\/p><p>\u0989\u09aa\u09b0\u09c7\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac \u09a5\u09c7\u0995\u09c7 \u098b\u09a3\u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae\u09c7 \u09a8\u09bf\u09df\u09cb\u099c\u09bf\u09a4 \u0989\u09a6\u09cd\u09af\u09cb\u0995\u09cd\u09a4\u09be\u0997\u09a3 \u09ae\u09a8\u09c7 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8, \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u098b\u09a3\u09c7\u09b0 \u09ae\u09cb\u099f \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09ac\u09c7\u09b6\u09c0 \u09b9\u09ac\u09be\u09b0 \u0995\u09be\u09b0\u09a8\u09c7 \u09a4\u09be \u09b2\u09be\u09ad\u099c\u09a8\u0995, \u09a4\u09be\u0987 \u09b8\u0982\u09b8\u09cd\u09a5\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u098f\u0987 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u099f\u09bf \u09b9\u09df\u09a4\u09cb \u09ac\u09c7\u09b6\u09c0 \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u09a8\u09bf\u09df\u09c7 \u0986\u09b8\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1, \u0986\u09aa\u09a8\u09bf \u09af\u09a6\u09bf \u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6\u09c7\u09b0 \u098f\u09a8\u099c\u09bf\u0993 \u09b9\u09df\u09c7 \u09a5\u09be\u0995\u09c7\u09a8 \u09a4\u09ac\u09c7 \u098f\u09ae\u0986\u09b0\u098f-\u098f\u09b0 \u09ac\u09c7\u0981\u09a7\u09c7 \u09a6\u09c7\u09df\u09be \u098b\u09a3\u09c7\u09b0 \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u0995\u09be\u09b0\u09cd\u09af\u0995\u09b0 \u09b9\u09be\u09b0 (effective rate) \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea\u09b6\u09a4\u09be\u0982\u09b6\u09c7\u09b0 \u09ac\u09c7\u09b6\u09c0 \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u09a8\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8 \u09a8\u09be\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7, \u09b8\u09ae\u09a4\u09c1\u09b2\u09cd\u09af \u09b8\u09b0\u09b2 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e7\u09e9.\u09eb% \u09ae\u09be\u09a4\u09cd\u09b0\u0964<\/p><p>\u09b8\u09b0\u09b2 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u098b\u09a3\u09c0 \u09b8\u09a6\u09b8\u09cd\u09af \u09ae\u09c7\u09df\u09be\u09a6\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7 \u09ac\u09cd\u09af\u09b0\u09cd\u09a5 \u09b9\u09b2\u09c7 (\u09ac\u0995\u09c7\u09df\u09be \u098b\u09a3\u09c0 \u09b9\u09b2\u09c7) \u0986\u09aa\u09a8\u09bf \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u09b8\u09ae\u09df\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u0995\u09cb\u09a8\u09cb\u09b0\u0995\u09ae \u099c\u09b0\u09bf\u09ae\u09be\u09a8\u09be \u09a7\u09be\u09b0\u09cd\u09af\u09cd\u09af \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8 \u09a8\u09be\u0964 \u0985\u09aa\u09b0\u09a6\u09bf\u0995\u09c7, \u0995\u09cd\u09b0\u09ae:\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09ae\u09c7\u09df\u09be\u09a6\u09c7\u09b0 \u09aa\u09b0\u09c7\u0993 \u09b8\u09c1\u09a6 \u099a\u09be\u09b0\u09cd\u099c \u0995\u09b0\u09be\u09b0 \u09b8\u09c1\u09af\u09cb\u0997 \u0986\u099b\u09c7 \u2013 \u09af\u09be\u09b0 \u0995\u09be\u09b0\u09a8\u09c7, \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u09b8\u09ae\u09df\u099c\u09a8\u09bf\u09a4 \u099c\u09b0\u09bf\u09ae\u09be\u09a8\u09be \u0986\u09aa\u09a8\u09bf \u09ac\u09bf\u09a8\u09be\u09ac\u09be\u0995\u09cd\u09af \u09ac\u09cd\u09af\u09df\u09c7 \u0986\u09a6\u09be\u09df \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8\u0964<\/p><p>\u0986\u09b0 \u0985\u099f\u09cb\u09ae\u09c7\u09b6\u09a8\u09c7\u09b0 \u09af\u09c1\u0997\u09c7 \u09b8\u09ac \u09b9\u09bf\u09b8\u09be\u09ac \u09a4\u09cb \u09aa\u09be\u09ac\u09c7\u09a8 \u09b8\u09cd\u09ac\u09df\u0982\u0995\u09cd\u09b0\u09bf\u09df\u09ad\u09be\u09ac\u09c7, \u09b8\u09ab\u099f\u0993\u09df\u09cd\u09af\u09be\u09b0\u09c7\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7\u0964<\/p><p>\u09a4\u09be\u09b9\u09b2\u09c7 \u0986\u09b0 \u099a\u09bf\u09a8\u09cd\u09a4\u09be \u0995\u09bf?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4be72d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"b4be72d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da0013f elementor-widget elementor-widget-heading\" data-id=\"da0013f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u09b2\u09c7\u0996\u0995\u0983 \u0986.\u0987 \u09ae\u09c1\u0995\u09b8\u09bf\u09a4 (\u098f\u0995\u09cd\u09b8 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09be\u09b0)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09b0 \u09a6\u09b6\u099f\u09be \u09aa\u09a3\u09cd\u09af\u09c7\u09b0 \u09ae\u09a4\u09cb \u0985\u09b0\u09cd\u09a5\u0993 \u098f\u0995\u09a7\u09b0\u09a8\u09c7\u09b0 \u09aa\u09a3\u09cd\u09af \u09af\u0996\u09a8 \u09a4\u09be \u09a7\u09be\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u09ac\u09cd\u09af\u09ac\u09b9\u09c3\u09a4 \u09b9\u09df\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u098f\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09bf\u09a4 \u09b9\u09df \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u09ac\u09be \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b0 \u09b9\u09be\u09b0-\u098f\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7\u0964 \u09af\u09c7\u09ae\u09a8 \u09a7\u09b0\u09c1\u09a8, \u0985\u09b0\u09cd\u09a5 \u09ac\u09be \u099f\u09be\u0995\u09be\u09b0 \u09b8\u09cd\u09ac\u09b2\u09cd\u09aa\u09a4\u09be\u09b0 \u09b8\u09ae\u09df \u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09cb\u09a8\u09cb \u098f\u0995 \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8\u09c7 \u09af\u09a6\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09ac\u09be \u0985\u09a8\u09cd\u09af\u0995\u09cb\u09a8 \u0985\u09b0\u09cd\u09a5\u09b2\u0997\u09cd\u09a8\u09c0 \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8\u09c7 \u098b\u09a3 \u0995\u09b0\u09a4\u09c7 \u09af\u09be\u09a8, \u09a6\u09c7\u0996\u09ac\u09c7\u09a8 \u09af\u09c7 \u09a4\u09be\u09a6\u09c7\u09b0 \u098b\u09a3\u09c7\u09b0 \u09b9\u09be\u09b0 \u09b8\u09c7\u09b8\u09ae\u09df\u09c7 \u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995\u09ad\u09be\u09ac\u09c7 \u09ac\u09c7\u09b6\u09c0 \u09a5\u09be\u0995\u09c7\u0964 \u0985\u09aa\u09b0\u09a6\u09bf\u0995\u09c7, \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u09aa\u09cd\u09b0\u09be\u099a\u09c1\u09b0\u09cd\u09af\u09c7\u09b0 \u09b8\u09ae\u09df \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u0993 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u09ac\u09be\u099c\u09be\u09b0\u09c7 \u099a\u09be\u09b9\u09bf\u09a6\u09be \u0993 \u09b8\u09b0\u09ac\u09b0\u09be\u09b9\u2019\u0987 \u09ae\u09c2\u09b2 \u099a\u09be\u09b2\u09bf\u0995\u09be\u09b6\u0995\u09cd\u09a4\u09bf \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09a3 \u0995\u09b0\u09c7 \u09a5\u09be\u0995\u09c7, \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u09ae\u09a7\u09cd\u09af \u09a6\u09bf\u09df\u09c7\u0964 \u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6\u09c7 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0\u098b\u09a3 \u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae\u09c7 \u09b8\u09c1\u09a6 \u09ac\u09be \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac \u09a8\u09bf\u09b0\u09cd\u09a3\u09df\u09c7 \u09e8\u09a7\u09b0\u09a8\u09c7\u09b0 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u09aa\u09cd\u09b0\u099a\u09b2\u09bf\u09a4 \u09b0\u09df\u09c7\u099b\u09c7 &#8211;\u00a0 \u09ab\u09cd\u09b2\u09cd\u09af\u09be\u099f \u09ae\u09c7\u09a5\u09a1 (Flat Method of interest calculation) \u09ac\u09be \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u098f\u09ac\u0982 \u09a1\u09bf\u0995\u09cd\u09b2\u09be\u0987\u09a8 \u09ae\u09c7\u09a5\u09a1 (Decline Method) \u09ac\u09be \u09b0\u09bf\u09a1\u09bf\u0989\u09b8\u09bf\u0982 \u09ac\u09cd\u09af\u09be\u09b2\u09be\u09a8\u09cd\u09b8 \u09ae\u09c7\u09a5\u09a1 (Reducing Balance Method) \u09ac\u09be \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u0964 \u09b8\u09b9\u099c\u09ad\u09be\u09ac\u09c7 \u09ac\u09c1\u099d\u09a4\u09c7 \u09aa\u09be\u09b0\u09be \u09ac\u09be \u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be\u09b0 \u0995\u09be\u09b0\u09a8\u09c7 \u098f\u0996\u09a8\u09cb \u09ac\u09c7\u09b6\u09bf\u09b0\u09ad\u09be\u0997 \u0995\u09cd\u09b7\u09c1\u09a6\u09cd\u09b0\u098b\u09a3\u09c7\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df \u0995\u09b0\u09be \u09b9\u09df\u0964 \u09a4\u09ab\u09be\u09ce\u0997\u09c1\u09b2\u09bf \u0995\u09bf \u0995\u09bf? \u09b8\u09be\u09b6\u09cd\u09b0\u09df\u09c0 (Cost Effectiveness): \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf: \u09a1\u09bf\u0995\u09cd\u09b2\u09be\u0987\u09a8 \u09ac\u09cd\u09af\u09be\u09b2\u09be\u09a8\u09cd\u09b8 \u09ac\u09be \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u0995\u09c7\u09ac\u09b2\u09ae\u09be\u09a4\u09cd\u09b0 \u0985\u09a8\u09be\u09a6\u09be\u09df\u09c0 \u09ac\u09be \u0985\u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09bf\u09a4 \u098b\u09a3\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf \u09ac\u09be \u09ac\u09cd\u09af\u09be\u09b2\u09a8\u09cd\u09b8\u09c7\u09b0 \u0989\u09aa\u09b0 \u09b8\u09c1\u09a6 \u09b9\u09bf\u09b8\u09be\u09ac \u0995\u09b0\u09be \u09b9\u09df\u0964 \u09af\u09be\u09b0 \u0995\u09be\u09b0\u09a8\u09c7, \u098b\u09a3\u09c7\u09b0 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09be\u09a5\u09c7 \u09aa\u09b0\u09cd\u09af\u09be\u09df\u0995\u09cd\u09b0\u09ae\u09c7 \u098b\u09a3\u09c7\u09b0 (\u0986\u09b8\u09b2) \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7 \u098f\u09ac\u0982 \u0989\u0995\u09cd\u09a4 \u09b9\u09cd\u09b0\u09be\u09b8\u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u098b\u09a3\u09c7\u09b0 \u0989\u09aa\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8\u0993 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7\u0964 \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf: \u098f\u0987 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09aa\u09cd\u09b0\u09a5\u09ae\u09c7\u0987 \u098b\u09a3\u09c7\u09b0 \u09aa\u09c1\u09b0\u09cb \u09ae\u09c7\u09df\u09be\u09a6\u09c7 \u0995\u09be\u09b0\u09cd\u09af\u09b0\u09a4 \u09a7\u09b0\u09c7 \u09a8\u09bf\u09df\u09c7 \u098b\u09a3\u09c7\u09b0 \u0986\u09b8\u09b2\u09c7\u09b0 \u0989\u09aa\u09b0\u09c7 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09ac\u09c7\u09b0 \u0995\u09b0\u09c7 \u09a8\u09c7\u09df\u09be \u09b9\u09df, \u098f\u09ac\u0982 \u0989\u0995\u09cd\u09a4 \u09b8\u09c1\u09a6\u0995\u09c7 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09b8\u0982\u0996\u09cd\u09af\u09be \u09a6\u09bf\u09df\u09c7 \u09ad\u09be\u0997 \u0995\u09b0\u09c7 \u09aa\u09cd\u09b0\u09a4\u09bf\u0995\u09bf\u09b8\u09cd\u09a4\u09bf\u09a4\u09c7 \u09a4\u09be \u09b8\u09ae\u09ad\u09be\u09ac\u09c7 \u09ac\u09bf\u09a4\u09b0\u09a3 (distribute) \u0995\u09b0\u09be \u09b9\u09df\u0964 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u098b\u09a3\u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u098b\u09a3\u09ac\u09cd\u09af\u09be\u09b2\u09be\u09a8\u09cd\u09b8 \u0995\u09ae\u09b2\u09c7\u0993 \u09b8\u09c1\u09a6 \u09aa\u09b0\u09bf\u09ac\u09b0\u09cd\u09a4\u09bf\u09a4 \u09b9\u09df \u09a8\u09be\u0964 \u09ab\u09b2\u09b6\u09cd\u09b0\u09c1\u09a4\u09bf\u09a4\u09c7, \u098b\u09a3\u09c0 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u09b0 \u09b8\u09c1\u09a6\u09c7\u09b0 \u0996\u09b0\u099a (Effective Interest Rate) \u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995\u09ad\u09be\u09ac\u09c7 \u0985\u09a8\u09c7\u0995 \u09ac\u09c7\u09b6\u09c0 \u09aa\u09dc\u09c7 \u09af\u09be\u09df\u0964 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09b8\u09cd\u09ac\u099a\u09cd\u099b\u09a4\u09be (Transparency): \u0985\u09b0\u09cd\u09a5 \u09af\u0996\u09a8 \u098b\u09a3 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7 \u09ac\u09bf\u09a4\u09b0\u09a3 \u0995\u09b0\u09be \u09b9\u09df, \u09a4\u0996\u09a8 \u09a7\u09b0\u09c7 \u09a8\u09c7\u09df\u09be \u09b9\u09df \u09a4\u09be \u098f\u0995\u099f\u09bf \u2018\u09aa\u09a3\u09cd\u09af\u2019, \u09af\u09be\u09b0 \u09ae\u09c2\u09b2\u09cd\u09af \u09a8\u09bf\u09b0\u09cd\u09a7\u09be\u09b0\u09bf\u09a4 \u09b9\u09df \u09b8\u09c1\u09a6 \u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7\u0964 \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09af\u09c7 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u0985\u09b0\u09cd\u09a5 \u098b\u09a3\u09c0\u09b0 \u0995\u09be\u099b\u09c7 \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8\u09c7 \u0985\u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09bf\u09a4 \u0985\u09ac\u09b8\u09cd\u09a5\u09be\u09df \u09b0\u09df\u09c7\u099b\u09c7, \u0995\u09c7\u09ac\u09b2\u09ae\u09be\u09a4\u09cd\u09b0 \u09b8\u09c7\u099f\u09c1\u0995\u09c1\u2019\u09b0 \u0989\u09aa\u09b0 \u09b8\u09c1\u09a6 \u09b9\u09bf\u09b8\u09be\u09ac \u0995\u09b0\u09be \u09b9\u09df\u0964 \u09ab\u09b2\u09a4: \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u098b\u09a3\u09c7\u09b0 \u09b8\u09c1\u09a6 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df\u0995\u09b0\u09a3 \u0985\u09a7\u09bf\u0995\u09ae\u09be\u09a4\u09cd\u09b0\u09be\u09df \u098b\u09a3\u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae\u09c7\u09b0 \u09b8\u09cd\u09ac\u099a\u09cd\u099b\u09a4\u09be \u09a8\u09bf\u09b6\u09cd\u099a\u09bf\u09a4 \u0995\u09b0\u09c7\u0964 \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09b8\u09c1\u09a6 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df \u0985\u09a8\u09c7\u0995\u09be\u0982\u09b6\u09c7 \u09a6\u09cd\u09ac\u09be\u09b0\u09cd\u09a5\u09cd\u09af\u09ac\u09cb\u09a7\u0995 (deceptive)\u0964 \u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0 \u09a6\u09bf\u09df\u09c7 \u09ae\u09cb\u099f \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09a8\u09bf\u09b0\u09cd\u09a3\u09df \u0995\u09b0\u09be\u09b0 \u09aa\u09b0\u09c7, \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09be\u09a5\u09c7 \u09a4\u09be \u09ae\u09cb\u099f \u09b8\u09c1\u09a6\u09c7\u09b0 \u0989\u09aa\u09b0 \u0995\u09cb\u09a8\u09cb\u09b0\u0995\u09ae \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u09a4\u09c8\u09b0\u09c0 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7 \u09a8\u09be, \u09af\u09be \u0995\u09bf\u09a8\u09be \u098b\u09a3\u09c7\u09b0 \u0996\u09b0\u099a \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u0995\u09b0\u09c7 \u09ac\u09b9\u09c1\u09b2\u09be\u0982\u09b6\u09c7\u0964 \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u09ad\u09be\u09ac\u09c7 \u09ac\u09b2\u09be \u09af\u09be\u09df, \u098f\u0995\u0987 \u0985\u0982\u0995\u09c7\u09b0 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09af\u09c7 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09b8\u09c1\u09a6 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\u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u09e7. \u09b9\u09bf\u09b8\u09be\u09ac\u09c7\u09b0 \u09ae\u09c2\u09b2 \/ \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf (Calculation basis) \u09ac\u09bf\u09a4\u09b0\u09a3\u0995\u09c3\u09a4 \u09ae\u09c2\u09b2 \u098b\u09a3 (\u0986\u09b8\u09b2) \u0985\u09ac\u09b6\u09bf\u09b7\u09cd\u099f \u098b\u09a3 (outstanding loan) \u09e8. \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09aa\u09cd\u09b0\u09a4\u09bf \u0995\u09bf\u09b8\u09cd\u09a4\u09bf\u09a4\u09c7 (\/\u09ae\u09be\u09b8\u09c7 \/\u09b8\u09aa\u09cd\u09a4\u09be\u09b9\u09c7) \u098f\u0995\u0987 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09aa\u09c2\u09b0\u09cd\u09ac\u0995 \u09aa\u09b0\u09cd\u09af\u09be\u09df\u0995\u09cd\u09b0\u09ae\u09c7 \u0995\u09ae\u09a4\u09c7 \u09a5\u09be\u0995\u09c7 \u09e9. \u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u0996\u09b0\u099a (Real Cost) \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u09ae\u09cb\u099f \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09cd\u09b0\u09be\u09df \u09a6\u09cd\u09ac\u09bf\u0997\u09c1\u09a8\u09c7\u09b0 \u09b8\u09ae\u09aa\u09b0\u09bf\u09ae\u09be\u09a8 \u09aa\u09cd\u09b0\u0995\u09be\u09b6\u09bf\u09a4 \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u09aa\u09cd\u09b0\u0995\u09c3\u09a4 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ab\u09b2\u09a8 \u09aa\u09be\u0993\u09df\u09be \u09af\u09be\u09df \u09ea. \u09b9\u09bf\u09b8\u09be\u09ac \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u09b8\u09b9\u099c\u09c7\u0987 \u09ac\u09cb\u09a7\u09cb\u0997\u09ae\u09cd\u09af \u0997\u09a3\u09a8\u09be\u09b8\u09be\u09aa\u09c7\u0995\u09cd\u09b7 \u09eb. \u098f\u09ae\u0986\u09b0\u098f \u09a8\u09c0\u09a4\u09bf\u09ae\u09be\u09b2\u09be \u09a8\u09bf\u09b0\u09c1\u09ce\u09b8\u09be\u09b9\u09bf\u09a4 \u0995\u09b0\u09be \u09b9\u09df\u09c7\u099b\u09c7 \u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995 (\u09b8\u09c1\u09a6\u09c7\u09b0 \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u09b9\u09be\u09b0 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea%) \u00a0 \u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995 \u099a\u09bf\u09a4\u09cd\u09b0: \u09ac\u09bf\u09a4\u09b0\u09a3\u0995\u09c3\u09a4 \u098b\u09a3: \u09e7\u09e6\u09e6,\u09e6\u09e6\u09e6 \u099f\u09be\u0995\u09be, \u09e7\u09ac\u099b\u09b0\u09c7\u09b0 \u099c\u09a8\u09cd\u09af (\u09b8\u09c1\u09a6\u09c7\u09b0 \u09b9\u09be\u09b0: \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea%) \u0995\u09cd\u09b0\u09ae \u09ac\u09c8\u09b6\u09bf\u09b7\u09cd\u099f\u09cd\u09af \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u0995\u09cd\u09b0\u09ae:\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u09e7. \u09ae\u09be\u09b8\u09bf\u0995 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf (Monthly Installment) \u099f\u09be.\u09e7\u09e6,\u09e9\u09e9\u09e9 \u099f\u09be. \u09ef,\u09ea\u09eb\u09ec \u09e8. \u09b8\u09c1\u09a6\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 (\u09ae\u09cb\u099f) \u099f\u09be. \u09e8\u09ea,\u09e6\u09e6\u09e6 \u099f\u09be. \u09e7\u09e9,\u09ea\u09ed\u09e8 \u09e9. \u09ae\u09cb\u099f \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a8 (Repayment) \u099f\u09be. \u09e7\u09e8\u09ea,\u09e6\u09e6\u09e6 \u099f\u09be. \u09e7\u09e7\u09e9,\u09ea\u09ed\u09e8 \u09ea. \u09ae\u09cb\u099f \u09b8\u09be\u09b6\u09cd\u09b0\u09df (Total Savings) &#8212; \u099f\u09be. \u09e7\u09e6,\u09eb\u09e8\u09ee \u09ae\u09c2\u09b2\u09a4: \u0995\u09cd\u09b0\u09ae\u09b9\u09cd\u09b0\u09be\u09b8\u09ae\u09be\u09a8 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09e8\u09ea% \u09b8\u09c1\u09a6\u09b9\u09be\u09b0\u09c7\u09b0 \u09ac\u09bf\u09aa\u09b0\u09c0\u09a4\u09c7 \u09b8\u09b0\u09b2 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf\u09a4\u09c7 \u09b8\u09ae\u09a4\u09c1\u09b2\u09cd\u09af (equivalent) 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