T-bill ka yield kaise calculate kiya jata hai? 📊🧮 Kya isme koi magic formula hai? Option: Yield = [Discount Value]/[Bond Price] * [365/number of days to maturity], Yield = [Interest Payment]/[Bond Price] * [365/number of days to maturity], Yield = [Face Value]/[Market Price] * [number of days to maturity/365], Yield = [Par Value]/[Discount Value] * [number of days to maturity/365]

Arre bhai, ye koi jadui formula nahi hai, par haan, thoda sa dimag lagana padega! 🧙‍♂️🔢 Sahi formula hai: **Yield = [Discount Value]/[Bond Price] * [365/number of days to maturity]** Chalo, ise thoda break karke samajhte hain: 1. **Discount Value** = Face Value - Bond Price - Yani, kitna discount mila aapko T-bill kharidne par 2. **Bond Price** = Aapne kitne paise diye T-bill kharidne ke liye 3. **365/number of days to maturity** - Isse hum yield ko annual basis par calculate kar paate hain Ye formula kyun important hai? - T-bills discount securities hote hain - Inpe regular interest nahi milta - Profit to tab hota hai jab aap ise face value par redeem karte hain Yaad rakhne wali baatein: - Jitna zyada discount, utna zyada yield - Maturity jitni jaldi, yield utna zyada (kyunki paisa jaldi wapas milega) Toh dosto, agli baar jab aap T-bill ka yield calculate karein, to yaad rakhna - ye koi magic nahi, bas thoda sa maths ka khel hai! 🎩🔢

**Yield to maturity (YTM)** hi asli hero hai, jo batata hai ki aapko bond se kitna paisa milega! 🦸‍♂️💰 - Ye sirf coupon payments nahi, balki **sab kuch** consider karta hai - Current market price, time to maturity, aur face value bhi isme shaamil hote hain - YTM se pata chalta hai ki aap kitna **mota maal** kama sakte hain agar bond ko maturity tak rakhenge Toh jab bhi koi bond kharidna ho, YTM zaroor check karna. Ye aapko batayega ki sach mein kitna paisa milega, na ki sirf paper par dikhne wala number! 📝🕵️‍♂️

Arre wah! Yield to Maturity (YTM) to bond ka **total return** batata hai, agar aap use puri umar (maturity) tak pakad ke rakhein! 🧓💰 Samjho aise: - YTM ek tarah ka **crystal ball** hai jo dikhata hai: * Aapne bond kitne mein kharida * Uska face value kya hai * Beech mein kitna interest milega * Maturity tak kitna time hai Ye sab mila ke batata hai ki aapko kitna paisa milega agar aap bond ko last tak rakhein. Kuch aur mast baatein: - YTM ko IRR (Internal Rate of Return) bhi kehte hain - Ye actual mein milne wale return se thoda alag ho sakta hai - Isse different bonds ko compare karna aasan ho jata hai Ab samjhe? YTM se pata chalta hai ki bond aapko kitna mota banayega! 😎💸

T-bill ka safar khatam hone par kya hota hai? Chalo jante hain! 🚀💸 **T-bill (U.S. Treasury Bill) mature hone par:** - Ye **khatam** (extinguish) ho jata hai 💨 - **Par value** seedha investor ke bank account mein **credit** ho jata hai 🏦💰 T-bill ke baare mein kuch interesting facts: 1. Ye U.S. government ki **short-term debt securities** hoti hain 2. Inki maturity kuch din se lekar 52 weeks tak ho sakti hai ⏳ 3. Ye **par value se kam** par bechi jati hain (discount par) 4. Maturity par investor ko **full par value** milta hai 💯 Yaad rakhein: - T-bills automatically renew nahi hote - Na hi secondary market mein transfer hote hain - Aur na hi bonds mein convert hote hain T-bills ek **low-risk investment** hain, kyunki inhe U.S. government ka full support milta hai. Agar aap safe investment dhundh rahe hain, to T-bills par ek nazar zaroor daaliye! 🇺🇸🦅

Arre yaar, T-bills aur Bonds dono paise kamate hain, par style alag alag hai! 😎💸 T-bills ka style: - Ye **discount pe bechte hain**, matlab kam daam pe - **Maturity pe full face value dete hain** - **Koi alag se interest nahi dete** - discount hi interest hai! Bonds ka style: - Regular intervals pe interest payments dete hain - Maturity pe principal amount wapas karte hain T-bills ek baar mein full paisa dete hain, bonds thoda thoda karke dete hain. Dono ke apne fans hain! 🎭💰

**Yield to Maturity (YTM)** yani ki **paripakwata tak pratilaabh** 🤓 Ye ek mazedaar concept hai jo batata hai ki agar aap ek **debt security** (jaise ki bond) ko uski **maturity** tak rakhte hain, to aapko kitna **average annual return** milega. YTM calculation mein ye sab cheezein shaamil hoti hain: - Bond ka **current market price** 💹 - Uska **par value** (face value) 💵 - **Coupon interest rate** 📊 - **Maturity tak kitna time bacha hai** ⏳ Basically, YTM ek bond investment ka **internal rate of return (IRR)** hota hai. Isse aap samajh sakte hain ki aapka paisa kitna badhega! 🚀