{
  "schema_version": 1,
  "title": "ब्याज गणना के स्वतंत्र उदाहरण",
  "currency": "INR",
  "creator": "ByajCalculator",
  "reference_page": "https://byajcalculator.in/about-us#methodology-examples",
  "purpose": "Fixed educational examples; not a bank quote, recommended rate, APR or investment forecast",
  "rate_definition": "Per-period decimal rate = quoted_rate_percent / 100 / rate_divisor; periods counts matching units stated in accrual_period_hi",
  "rounding": "Decimal precision40; no intermediate rounding; final nearest paise ROUND_HALF_UP",
  "assumptions": [
    "One principal amount",
    "Constant entered illustrative rate",
    "No deposits/withdrawals/instalments/fees/tax",
    "Complete compounding periods only",
    "No claim of bank-specific crediting or investment outcome"
  ],
  "formulas": {
    "period_rate": "quoted_rate_percent / 100 / rate_divisor",
    "simple_total": "principal * (1 + period_rate * periods)",
    "compound_total": "principal * (1 + period_rate) ** periods",
    "interest": "unrounded total - principal"
  },
  "cases": [
    {
      "id": "annual-simple",
      "method": "simple",
      "principal": "10000",
      "quoted_rate_percent": "8",
      "rate_divisor": 1,
      "periods": 1,
      "interest_rounded": "800.00",
      "total_rounded": "10800.00",
      "label_hi": "साधारण ब्याज: सालाना दर",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "साल"
    },
    {
      "id": "monthly-simple-six",
      "method": "simple",
      "principal": "10000",
      "quoted_rate_percent": "2",
      "rate_divisor": 1,
      "periods": 6,
      "interest_rounded": "1200.00",
      "total_rounded": "11200.00",
      "label_hi": "साधारण ब्याज: महीने की दर",
      "quoted_rate_period_hi": "महीना",
      "accrual_period_hi": "महीना"
    },
    {
      "id": "annual-equivalent-six",
      "method": "simple",
      "principal": "10000",
      "quoted_rate_percent": "24",
      "rate_divisor": 12,
      "periods": 6,
      "interest_rounded": "1200.00",
      "total_rounded": "11200.00",
      "label_hi": "साधारण ब्याज: सालाना दर, अवधि महीनों में",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "महीना"
    },
    {
      "id": "annual-compound-three",
      "method": "compound",
      "principal": "50000",
      "quoted_rate_percent": "12",
      "rate_divisor": 1,
      "periods": 3,
      "interest_rounded": "20246.40",
      "total_rounded": "70246.40",
      "label_hi": "चक्रवृद्धि ब्याज: तीन साल",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "साल"
    },
    {
      "id": "annual-compound-two",
      "method": "compound",
      "principal": "50000",
      "quoted_rate_percent": "12",
      "rate_divisor": 1,
      "periods": 2,
      "interest_rounded": "12720.00",
      "total_rounded": "62720.00",
      "label_hi": "चक्रवृद्धि ब्याज: दो साल",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "साल"
    },
    {
      "id": "annual-compound-ten",
      "method": "compound",
      "principal": "10000",
      "quoted_rate_percent": "10",
      "rate_divisor": 1,
      "periods": 10,
      "interest_rounded": "15937.42",
      "total_rounded": "25937.42",
      "label_hi": "चक्रवृद्धि ब्याज: दस साल",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "साल"
    },
    {
      "id": "monthly-compound-six",
      "method": "compound",
      "principal": "10000",
      "quoted_rate_percent": "2",
      "rate_divisor": 1,
      "periods": 6,
      "interest_rounded": "1261.62",
      "total_rounded": "11261.62",
      "label_hi": "चक्रवृद्धि ब्याज: महीने की दर",
      "quoted_rate_period_hi": "महीना",
      "accrual_period_hi": "महीना"
    },
    {
      "id": "annual-twelve",
      "method": "compound",
      "principal": "10000",
      "quoted_rate_percent": "12",
      "rate_divisor": 1,
      "periods": 1,
      "interest_rounded": "1200.00",
      "total_rounded": "11200.00",
      "label_hi": "साल में एक बार ब्याज जोड़ना",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "साल"
    },
    {
      "id": "quarterly-twelve",
      "method": "compound",
      "principal": "10000",
      "quoted_rate_percent": "12",
      "rate_divisor": 4,
      "periods": 4,
      "interest_rounded": "1255.09",
      "total_rounded": "11255.09",
      "label_hi": "साल में चार बार ब्याज जोड़ना",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "तिमाही"
    },
    {
      "id": "monthly-twelve",
      "method": "compound",
      "principal": "10000",
      "quoted_rate_percent": "12",
      "rate_divisor": 12,
      "periods": 12,
      "interest_rounded": "1268.25",
      "total_rounded": "11268.25",
      "label_hi": "साल में बारह बार ब्याज जोड़ना",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "महीना"
    },
    {
      "id": "zero-compound",
      "method": "compound",
      "principal": "10000",
      "quoted_rate_percent": "0",
      "rate_divisor": 1,
      "periods": 2,
      "interest_rounded": "0.00",
      "total_rounded": "10000.00",
      "label_hi": "शून्य दर पर चक्रवृद्धि ब्याज",
      "quoted_rate_period_hi": "साल",
      "accrual_period_hi": "साल"
    }
  ]
}