Maths

Dr. T.K. Jain.

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M: 9414430763
tkjainbkn@yahoo.co.in
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What is the value of 100 Rs. After
3 years, if compound interest rate
is 10%?
• One rupee will become 1.1 after one
year (.1 of interest on 1 rupee)
• One rupee will become 1.1*1.1 after
two years, and so on
• =100*1.1*1.1*1.1 =133.1 Ans

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What will be the value of annuity of 100
Rs. After 3 years, if compound interest
rate is 10% p.a.
• Annuity means, annual deposits.
• It means we are depositing Rs. 100 every year.
• 2.6.8: The 100 Rs. Deposited will be worth Rs. 133.1
• 2.6.9: The 100 Rs. Deposited after one year from today will
be worth: 100*1.1*1.1 = 121
• 2.6.10: the worth of the 100 deposited on this day will be
100*1.1 =110
• 2.6.11: (assuming that we deposit Rs. 100 on that day also).
the value of all the money deposited so far is :
133.1+121+110+100 = 464.1 ans.

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 What is the worth of Rs.
220 that we will receive
after one year? (r=10%)
• We will use here a formulae to
calculate present worth.
• =(100* amt) /(100+(r*t))
• R= rate of interest, t= time.
• =(100*220)/(100+(10*1))= 22000/110
• =200 Ans.

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 What is the worth of Rs.
399 which we will receive
after 3 years. R=10?
• Applying present worth formulae:
• =(100*399)/(100+(10*3) =
• 39900/130 =306.9 Ans.

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 If I have two options to receive a
payment: (1) Rs. 10000 today (2) Rs.
13345 after 3 years. Which is
preferable? (r=12%)
• We will use present worth formulae.
• =(100*13345) / (100+(12*3))
• =1334500/136 =9812
• Naturally, getting Rs. 10000 today is
preferable to me.

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 If some money becomes Rs. 100000 after 8
years, and it is 40000 today. What will it be
after 4 year. Compound interest is being
followed. Interest rate is not given.
• Four years are middle value between today
and 8 years hence. Because it is using
compound interest, we will use Geometric
Mean to find the answer.
• =square root of (40000*100000)
• =square root of 4000000000
• =63245 Ans.

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 If some money becomes Rs. 100000 after 8
years, and it is 40000 today. What will it be
after 4 year. Simple interest is being followed.
Interest rate is not given.
• Now this is a question of arithmetic
progression.
• Difference between 100000 and
40000 = 60000
• Annual interest is : 60000/8=7500
• Money after 4 years:
40000+(7500*4) = 70000 Ans.

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 Population of Bikaner is 500000 today.
It is growing @10% p.a. What was the
population 3 years ago.
• It is a question similar to compound interest
question. Population of 100 will be 110 after one
year, 121 after 2 years and 133.1 after 3 years. 1
will be 1.331 after 3 years. We want to go back 3
years, so let us divide this amount by 1.331.
• =500000 / 1.331 = 375657 Ans.
• You can also solve it as : 500000/(1.1*1.1*1.1)
• You can check it :
• 375657*1.1*1.1*1.1 = 500000

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 Population of my town increases by 10% and
then decreases by 5% and again increases by
10% and again decreases by 5% and so on.
What will be the population of my town after 5
years, if it is 100000 today & this year it will
increase.

• When it increases: multiply by 1.1

• When it decreases, multiply by .95
• Therefore answer is:
• 100000*1.1*.95*1.1*.95*1.1 =120122
• Ans.

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 In the previous question, will the
answer be different, if it first
decreases by 5% for 2 years and then
increases by 10% for 3 years?
• We can verify it by using the same
structure:
• 100000*.95*.95*1.1*1.1*1.1 = 120122

• Thus there is no difference in

answer.

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 Our population is 100000 today.
Population growth rate is 20%. When
was it half of present population?
• Multiplying 100000 by 1/1.2, we get 83333,
which was the population one year ago.
Multiplying it with 1/1.2, we get 69444,
which was two years ago, similarly,
population was 57870 three years ago.
Similarly, the population was 48000 4
years ago. Thus the population was 50000
about 3 years and 10 months (approx.)
back.

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 Mohan will pay me 1404 in two equal
half yearly instalments. If I want to get
the entire money now, how much should
I demand? R =8
• I shall be getting Rs. 702 in two instalments.
• First instalment is due 6 months, so its present
worth is :
• =100*702/(100+(8*1/2) = 70200/104
• =675
• Other instalment is due after one year, its
present worth is :
• 100*702/(100+(8*1) = 70200/108 =650
• =1325 Ans.

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