Yeh kaise hota hai, kadam dar kadam
Shuruaat
₹1,000 ki 3 kishton ka allotment ₹20, ₹16 aur ₹25 NAV par hai. Rakam ko NAV se baantne par 50, 62.5 aur 40 units milti hain. Kul ₹3,000 par 152.5 units. Statement mein scheme, plan, option, date, rakam aur units hoti hain. Usmein woh adjustments bhi hote hain jo is misaal mein jaan-boojhkar chhode hain.
Aage kya hota hai
Jama paison ko units se baantein. ₹3,000 ÷ 152.5, ya 1 unit ke liye lagbhag ₹19.67. ₹20, ₹16 aur ₹25 ka saadhaaran ausat ₹20.33 hai. Fark isliye hai kyunki sabse sasti kisht ne sabse zyada units li. Kul mein uska wazan prices ki list se zyada hai. Rupee-cost averaging bas yahi karti hai.
Iska matlab — aur kya nahi
Khareed alag waqt ki prices par bant-ti hai. Isse girta NAV sasta hai, yeh pata nahi chalta. Scheme aapke waqt, cash ki zaroorat ya loss sahne ki taqat ke liye sahi hai, yeh bhi tay nahi hota. Schedule risk ko guarantee nahi bana sakta. Wohi 152.5 units baad mein ₹18 NAV par ₹2,745 ki hain, diye ₹3,000 ke saamne. ₹22 par ₹3,355 ki hain. Wohi kishton se dono nateeje ho sakte hain. 3 kishton se averaging ke baare mein aam nateeja nahi nikalta.
- Allotment ke samay NAV (₹)
- Diya ausat cost: ₹19.67 · 19.67
₹1,000 ki 3 kishton ko ₹20, ₹16 aur ₹25 NAV par 50, 62.5 aur 40 units milti hain. Kul ₹3,000 par 152.5 units. Diye paison se nikli ausat cost ₹19.67 hai. Yeh 3 NAVs ke saadhaaran ausat ₹20.33 se neeche hai. Sabse sasti kisht ne sabse zyada units khareedi.
Chart ka data dekhein
| Kisht | Allotment ke samay NAV (₹) |
|---|---|
| 1 | 20 |
| 2 | 16 |
| 3 | 25 |
Isse kya establish nahi hota
Misaal ki saral shartein hataayein, toh uski vyakhya lagu nahi rehti. Yahan units = rakam ÷ NAV. Allotment mein scheme ka cut-off waqt aur lagu date lagte hain. Isliye statement ki units is ganit se alag ho sakti hain. Bank debit ki date allotment record nahi. Alag dates ki kishton par 1 saaf saalana rate lagaana bhi galat hai. Market waise nahi chalta. jaisa date wala cash-flow tareeka woh sawaal hal karta hai jo 1 growth rate nahi karta. 2 tools milaane se pehle 1 baat jaan lein. Site ka /tools/sip-calculator aam published calculators ki tarah saalana rate ko 12 se baantta hai: r ÷ 1200. Woh (1 + r) ka 12va root lekar compound nahi karta. Kisht mahine ki shuruaat mein maani hai. Use us mahine ki growth milti hai. Doosra calculator inmein se koi shart alag le, toh wohi inputs par alag number hoga. Yeh tareeke ka fark hai, sahi-galat ka nahi.
Kya check karein
5Ek poora record kam se kam itna batata hai: kaunsi scheme, kaunsa plan, kaunsa option, kaunsi tareekh, kitna amount, aur kitni units allot hui. Sirf bank ka debit dekh kar yeh maan lena ki kitni units aayi hongi ek anumaan hai, record nahi.
Ausat paison ko units se baantkar nikla hai ya prices ka saadhaaran ausat hai?
Return kul rakam par 1 saalana rate se padha hai ya dates wali kishton se?
Doosra calculator saalana rate ko 12 se baantta aur kisht mahine ki shuruaat mein leta hai? Site ka calculator aisa karta hai.
Yaad rakhein: 3 kishton ki misaal averaging ke aam vyavahaar ka saboot nahi.
Aam galtiyan
4NAVs ke saadhaaran ausat ₹20.33 ko di hui ausat cost samajhna. Yahan cost ₹19.67 hai. Har price par khareedi units uska wazan hain.
Schedule ko suraksha samajhna. Baad ka NAV tay karta hai ki wohi 3 kishton ki value diye paison se neeche hogi ya upar.
SIP ko fund ki shreni kehna. Yeh paisa jama karne ka tareeka hai. Exposure scheme tay karti hai.
kisi calculator par dikhta maturity figure aane wala paisa nahi hai. Woh sirf us assumption ka arithmetic hai jo reader ne khud daali thi.
₹1,000 ki 3 kishton ka allotment ₹20, ₹16 aur ₹25 NAV par hai. 1 fund unit ki ausat cost kitni hai?
- ₹20.33, 3 NAVs ka saadhaaran ausat, kyunki 3 kishton ki rakam barabar thi
- Ant ki value jaane bina nahi nikal sakta
- ₹19.67
Answer dikhao
C. ₹19.67
Barabar rakam barabar units nahi leti. ₹16 par ₹1,000 se 62.5 units mili. ₹25 par sirf 40. Kul 152.5 units ki cost ₹3,000, aur ausat ₹19.67 hai. Jawab A sahi lagta hai kyunki kishton ki rakam barabar thi. Lekin prices ke ausat mein units ka wazan hai. Sabse sasti kisht ki units sabse zyada hain.
Aksar poochhe sawaal
3Kya SIP waqt ke saath profit ki guarantee hai?
Nahi. Yeh jama ka tareeka hai. Scheme ka exposure nateeja tay karta hai. Upar wohi 3 kishton ki value ₹18 NAV par ₹2,745 aur ₹22 par ₹3,355 hai.
Kya SIP khud mutual fund ki kism hai?
Nahi. Scheme mein paisa jama karne ka tareeka hai. Alag schemes mein wohi schedule chalaane wale 2 log bilkul alag risks rakhte hain.
Kya kam NAV matlab fund ki value zyada achhi hai?
Nahi. Kam NAV se us scheme ki zyada units milti hain. Sirf number se aur kuch nahi nikalta. /learn/mutual-fund-nav-and-expenses samjhata hai ki units ki ginti percentage return kyon nahi badalti.