Present Value of Annuity - EMI Calculation - Formula Derivation - video Dailymotion

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00:01Now, I am going to discuss the present value annuity.

00:04Present value annuity.

00:05That is why there is a period of 1000 rupees.

00:12If you look at F, that is the future value.

00:17And F is also the future value.

00:18In this case, what is the future value annuity?

00:22Future value annuity is the 1000 rupees.

00:24What is the future value annuity in the 1000s?

00:26We have to bring it to the 0th period value.

00:35That is the present value annuity.

00:38If we do the same thing,

00:42one of the present value is the 1st value.

00:44One of the present value is the 1st value annuity.

00:49One of the present value is the 1st value annuity.

00:51Other way, 0, 1, 2, 3.

00:57Here is 1000 rupees.

00:58Here is 1000 rupees.

00:59Here is 1000 rupees.

01:00Here is 1000 rupees.

01:02If you look at the third value annuity,

01:04if you look at the third value annuity,

01:07if you look at the third value annuity,

01:08the 0th period will be the P factor.

01:11Here is the future value annuity,

01:12In future value,

01:13This is the present value factor.

01:16It is the present value factor.

01:18The 2nd method is the answer.

01:20You will get the same answer.

01:22If you notice the present value annuity,

01:24when the present value is the future value annuity.

01:26This is the ultimate present value annuity.

01:28This is the 2nd value.

01:30Here is the 1st value value.

01:30Is it okay?

01:32Here we go

01:341 divided by 1 plus i

01:36First year

01:38Second year we go

01:401 divided by 1 plus i to the power 2

01:42Third year we go

01:443

01:46Present value factor

01:48F is equal to

01:50P into 1 plus i

01:52To the power n

01:54The rate

01:56P is equal to

01:58F into

02:001 plus i to the power n

02:02Minus n

02:04F divided by 1 plus i to the power n

02:06Right so both the way it will work

02:081 plus i to the power minus n

02:10Both the way this will work

02:12I hope so you could not understand

02:14These two methods here

02:16Randomly we work

02:18Clear

02:20Clear

02:22In the 1 plus

02:241 divided by 1 plus i

02:26This value is

02:280.909

02:30909

02:321 divided by 1 point

02:341 to the power 2

02:360.826

02:380.751

02:401 divided by 1

02:421 to the power 3

02:440.751

02:46Calculator

02:48Ekyo

02:501 for 1

02:5209

02:541

02:561

03:061

03:081

03:091

03:101

03:131

03:141

03:151

03:161

03:172

03:18This is 826

03:20This is 751

03:22Okay

03:24Ultimate total

03:26Okay

03:276

03:318

03:332486

03:35You

03:370.909

03:40Into 1000

03:420.826

03:44Into 1000

03:450.751

03:47Into 1000

03:482.486

03:50If you multiply that 2.486

04:06With 1000

04:06You will be getting direct value

04:08The 2.486

04:10The present value

04:12Anity factor

04:13Which is nothing but

04:17Summation of

04:18P factors

04:18So when it comes to the present value

04:21Anity factor

04:21It is nothing but

04:22Summation of P factor

04:23Formula

04:24Thayway

04:25Yerla

04:25Yerundhal

04:26Formula

04:26Teach

04:26And the derivations

04:28In the class

04:28Teach

04:48Theram

04:492.826

04:49Theram

04:500.826

04:50Theram

04:51Equality

04:510.751

04:52under she it's a summation than a

04:54unguide calculator grant total

04:56gt button and the gt button

04:58you press pending na you get the summed up

05:01value so

05:02you get calculator vahangam bode gt

05:04button irukkaan paath vahangam

05:06FOMO subsequent learning code in the

05:08anti-factor use paanam bode nama cut time

05:10gt button will be most useful

05:12illa nama calculations time jasi

05:14edukum so gt button irindiccuna nang

05:16anti-factor easier kandaputu chalam

05:17is that clear

05:18so in the question

05:21the formula is also very simple

05:26the formula is very simple

05:28formula illaamal na orkot

05:29paanam chan formula podampad ippd

05:31varudna formula one

05:34F is equal to

05:36P into 1 plus i to the power

05:38n minus 1 divided by 1 plus i to the power

05:41n into i

05:42is the formula for present value

05:44anti-factor

05:45yewunopirya complicated

05:48equation maandri irukku

05:49but ninguya calculator la podampod

05:51naa sondan madri n number of years

05:53yukku ninguya present value

05:54panini tiyo ondita

05:55grand total button ondita data

05:56answer vondita wrong

05:57ingya paharunga

05:58idha eich czu salpani kaam kira

06:00thousand rupees irukku

06:011.i vendu 0.1

06:041.1 to the power n

06:06n ondita 3 minus 1 divided by

06:081.1 to the power 3 into 0.1

06:11idha formula

06:131.1 to the power 1.1 to the power 3

06:171.331 varum

06:20minus 1 na

06:210 3 point

06:22so 1.1 to the power 3

06:25minus 1

06:26the numerator will be 0.331

06:29denominator la 1.1 to the power 3 na 1.331

06:33inter point ondita 0.133

06:361 na havarudhu

06:37appa 1000 inter

06:39this value

06:40this value

06:410.331

06:43divided by 0.1331

06:45putting na

06:46so 0.331 divided by 1.331

06:49the ultimate answer is

06:51okay

06:542.486

06:57so the final answer is

06:582486

07:00you got this answer

07:01so unghil present value

07:03anti-factor ni chunna

07:04our stream of future

07:06payment

07:06intray

07:07over value

07:08intray

07:08mithi

07:08p factor

07:10which

07:10array

07:10p factor

07:11that's how we can go on

07:28that's how we can go on

07:30number of years

07:30just to press the grand total

07:32you will get this answer

07:33this 2.486

07:35direct

07:35this will be applicable

07:38shortcut for the calculator

07:39right

07:39this will be applicable

07:40for the present value

07:41anti-calculations

07:42you saw

07:43so in the value

07:44play on the sheet

07:451 divided by

07:461.1

07:47calculator

07:48this is equal to power 2

07:58this is equal to power 3

08:00this is how you can go for

08:01up to n number of years

08:02you have to press the grand total

08:05this is how you will get this value

08:06okay

08:09so there usually you will get confused

08:12if the frp are confused

08:15we don't have any meaning here

08:19whether it is frp

08:20you understand the f being the present value

08:23you understand the f being the present value

08:25usually f future value

08:26so it is better in the f

08:30is always 0th period

08:32represent the case of p factor

08:34means the annuity factor of present value

08:36present value annuity factor

08:38is it okay

08:39in email

08:40f1 future value

08:42p being the present value

08:43we get you

08:43and the stream

08:44and the end the point

08:45of kurikarudhan

08:46we get you

08:46easier

08:46most of the students

08:47are getting confused

08:48this one only

08:49because the f was only here

08:51and the f was only here

08:51and the f was only

08:52in try

08:53mathi pukkundu

08:53are the present value

08:55of the future annuity

08:56future annuity

08:57present value

08:58f was only use

08:58panikro

08:59right

09:01either in the madhiri

09:02kuda

09:02nama poulan

09:02sonne

09:03every polan

09:04so

09:05in the madhiri

09:06polan

09:07sonne

09:070

09:081

09:092

09:093

09:10in the 1100

09:11in the 1000

09:13in the 1000

09:14oda end the value

09:15in the 1000

09:15oda end the value

09:16in the 1000

09:16oda end the value

09:17in the 1000

09:17oda end the value

09:17ne me h28

09:18ap today

09:19ne καιே

09:19no aرا

09:21in there

09:33oda

09:351.1

09:37a

09:37aha

09:391.1 to the power

09:412

09:421.21

09:441.210

09:47Overall total

09:483310

09:50In the stream

09:52Future value

09:553310

09:57That's why

09:58You can do future value annuity

10:01What formula is

10:03F is equal to

10:041 plus i to the power

10:06N minus 1

10:08Divided by i

10:09I think so

10:10Previous lecture

10:12Future value annuity

10:14Nothing but

10:151 plus i to the power

10:16N minus 1

10:16Divided by i

10:17So this is the future value

10:20Annuity factor

10:21Annuity

10:22In the value

10:233320

10:24So 3310

10:25Arrayed by

10:26Formula

10:261 plus i to the power

10:27N minus 1

10:28Divided by i

10:29Now

10:32This

10:333310

10:34What you arrive

10:35Is for the

10:37Third year

10:38That's why

10:40Zero

10:40Period

10:40What value

10:41Is for the

10:42Third year

10:43In the third year

10:44In the third year

10:45What do you think

10:46Divided by i

10:47What do you think

10:48That's why

10:49Present value factor

10:50F is equal to

10:51P into

10:521 plus i to the power

10:54N

10:55P is equal to

10:56F divided by

10:571 plus i

10:57F divided by

10:591 plus i to the power

11:00Minus n

11:01Sorry

11:02F divided by

11:041 plus i to the power

11:05N

11:05Andra formula

11:06We use

11:07In the formula

11:09We use

11:10This value

11:10We

11:11That's why

11:121 divided by

11:141 plus i

11:15I

11:1610%

11:16So

11:17Point 1

11:18To the power

11:193

11:19Now

11:213310

11:23Divided by

11:241.1

11:25To the power

11:253

11:263310

11:281.1

11:28To the power

11:293

11:291.331

11:32So

11:323310

11:33Divided by

11:341.331

11:35Put

11:35What is the value

11:36You are getting

11:372486

11:41That is

11:43What is the future

11:45Value Vanity Factor

11:46If you are

11:48If you are

11:48A stream of

11:49Payment

11:50End period

11:51Value

11:51That is

11:51Present value

11:53Vanity

11:53Factor

11:54End period

11:55Value

11:55Indra

11:56Madhip

11:56So

11:56End period

11:58Value

11:58Indra

11:58Madhip

11:59Indra

12:00Madhip

12:01Indra

12:01Madhip

12:02That

12:03Value

12:03Is

12:03Divided by

12:041

12:04Plus i

12:05To the power

12:05N

12:05That is

12:13How the

12:13Simple

12:14Difference

12:14Between

12:14Present value

12:15Anity Factor

12:16And Future

12:16Value

12:16Anity Factor

12:17Can be

12:17Linked

12:18So

12:18That

12:18The

12:19Formula

12:19Can

12:20Be

12:20Remembered

12:20As

12:20Single

12:21One

12:21Ida

12:22Muttum

12:22Paatham

12:23Na

12:23Adhu

12:24Present

12:24Future

12:24Value

12:25Anity Factor

12:25Divided by

12:261

12:26Plus i

12:26To the

12:26Power

12:27N

12:27Put

12:27Amna

12:27Adhu

12:28Present

12:28Value

12:28Anity

12:29Factor

12:29I

12:31Hope

12:31So

12:31You

12:31Could

12:31Now

12:32Understand

12:32The

12:32Difference

12:32Between

12:33Future

12:33Value

12:33And

12:34Present

12:34Value

12:34Anity

12:34Factor

12:35So

12:35Future

12:35Value

12:36Anity Factor

12:36Oda

12:36Divided by

12:371

12:37Plus i

12:37To the

12:37Power

12:38N

12:38Put

12:38Automatically

12:39Present

12:39Value

12:39Koen

12:39Derudhu

12:40Adhu

12:40Logic

12:41Explained

12:42Maner

12:42Here

12:43Is

12:43The

12:43Formula

12:43Of

12:44Of

12:45Of

12:48Of

12:48You

12:48Can

12:48Do

12:49The

12:49Derivations

12:49For

12:49This

12:50One

12:50Also

12:50We

12:50Will

12:50See

12:51The

12:51Derivations

12:51Now

12:52Derivations

12:53We

12:54Will

12:54Discuss

12:55The

12:55Additional

12:55Illustrations

12:56Right

12:56So

12:57So

12:57I

12:57Hope

12:57So

12:58You

12:58Could

12:58Understand

12:58The

12:59Calculation

12:59Of

12:59F

13:00Is

13:00Nothing

13:00But

13:00P

13:01Into

13:021

13:02Plus

13:02I

13:02To

13:02The

13:02Power

13:02N

13:03Minus

13:031

13:03Divided by

13:041

13:04Plus

13:04I

13:04To

13:04The

13:04Power

13:04N

13:05Into

13:05I

13:06Okay

13:07Let's

13:08See

13:08The

13:08Derivation

13:09Okay

13:10Before

13:10I

13:10Go

13:10For

13:11Deriving

13:11Before

13:13I

13:13Go

13:13For

13:13The

13:13Deriving

13:14I

13:15Will

13:15Explain

13:15What

13:16Is

13:16The

13:16Use

13:16Of

13:16This

13:17So

13:18I

13:19Just

13:19Explain

13:19The

13:19Use

13:20Of

13:20It

13:20Okay

13:21So

13:23Periodical

13:24Payment

13:24In

13:26The

13:26Payment

13:271

13:282

13:28End

13:28Period

13:29Every

13:29Period

13:30End

13:30P

13:30In

13:31That

13:31F

13:32Yowl

13:32On

13:32Kee

13:33Kee

13:34Right

13:34So

13:35F

13:35Is

13:35Equal

13:362

13:36P

13:361

13:37Plus

13:37I

13:37To

13:38The

13:38Power

13:38N

13:39Divider

13:39Sorry

13:39P

13:401

13:40Plus

13:40I

13:40The

13:41Power

13:41N

13:41Minus

13:431

13:44Divider

13:44By

13:441

13:44Plus

13:44I

13:44The

13:45Power

13:45N

13:46Into

13:46I

13:46Is

13:46The

13:47Formula

13:47Okay

13:49Yeth

13:50Kaha

13:51In

13:51The

13:51Calculations

13:52Na

13:52Nih

13:53Retirement

13:53Pyerag

13:54Monthly

13:55Ongel

13:56Periodical

13:57Revenue

13:57Better

13:58Nenai

13:58Kee

13:59Retirement

14:00Appa

14:00Kee

14:01Lai

14:01Ullap

14:01Pana

14:01Ir

14:02Maza

14:03Maza

14:03Or

14:03Lekshar

14:04Varno

14:04Aparna

14:05Retirement

14:06Appa

14:06Yenak

14:07Yenak

14:07Calculation

14:08Nama

14:08Yenak

14:09Yenak

14:09This

14:10Is

14:10Called

14:10Present

14:11Value

14:12Antifactor

14:13Present

14:14Value

14:15Antifactor

14:16Or

14:17Mata

14:17Yose

14:18Kalaam

14:18This

14:19Can

14:19Be

14:19Used

14:20For

14:20The

14:20Pension

14:21Fund

14:21Pension

14:22Fund

14:23Calculate

14:23Pantradikku

14:24Yenak

14:24Maasa

14:25Lekshar

14:25Pension

14:26Varno

14:26At

14:26The

14:27Time

14:27Of

14:27My

14:27Retirement

14:27Yenak

14:28Yenak

14:33So

14:33Adik

14:34Badula

14:34In

14:36The

14:36Mother

14:36Yerukk

14:36F

14:39P

14:40P

14:41In

14:41The

14:41Sum

14:41F

14:42Kand

14:42P

14:43P

14:43Is

14:45Equal

14:45F

14:46Opposite

14:47Side

14:47On

14:48Inverse

14:48Side

14:48So

14:49F

14:49E

14:49Inter

14:491

14:50Plus

14:50I

14:51To the

14:51Power

14:51N

14:52Into

14:52I

14:52Divider

14:52By

14:531

14:53Plus

14:53I

14:53To the

14:53Power

14:54N

14:55Minus

14:55One

14:55Inverse

14:57Inverse

14:58Inverse

14:58Use

14:58Pondam

14:58Inverse

14:59Capital

14:59Recording

14:59Factor

15:00I

15:07Know

15:07If

15:08Loan

15:09O

15:09Electronic

15:11EMA

15:12EMA

15:12Calculation

15:14So

15:16This

15:17Is

15:18EMA

15:18Calculation

15:19This

15:19Is

15:19For

15:19Pension

15:20Calculation

15:20I

15:20Know

15:20Math

15:21You

15:21Is

15:21Pension

15:22Inverse

15:25How is that?

15:31What is that?

15:33Let's see here

15:36Zero one two N

15:39Over period in the end

15:43Over period in the end

15:46Together with the rate of interest

15:49Zero-th period in the end

15:51Not end period

15:52The value is the future value and factor

15:54In the 0th period, the formula is equal to p into 1 plus i to the power n minus 1 divided by 1 plus i to the power n minus 1.

16:01That is, the future value of the formula is divided by 1 plus i to the power n to the power n.

16:06If you calculate the future value factor and the annuity factor, the formula calculation and derivation is the same.

16:14So, this is the same concept.

16:18So, p divided by 1 plus i is equal to p into 1 plus i to the power minus 1.

16:31It is equal to p into 1 plus i to the power minus 2 goes on finally p into 1 plus i to the power minus n will be the first equation.

16:43Equation number 1.

16:45Now, I am going to multiply 1 plus i in the both the side of the equation number 1 to arrive the equation number 2.

16:51So, f into 1 plus i is equal to p into 1 plus i to the power minus 1 into 1 plus i multiply.

16:58You will get only p plus p into 1 plus i to the power minus 1 and goes on finally p into 1 plus i to the power minus n plus 1.

17:13Okay.

17:14Okay.

17:15Either Yer first factor and second factor cancel cancel.

17:18That is the second and last.

17:20This is the last.

17:21It is the last but i cancel.

17:23Last but i will cancel.

17:24Last but i will cancel.

17:26That is the first factor of this equation and the last factor of the first equation remains uncanceled.

17:31That is the concept of f plus fi minus f so plus f minus f cancels we have fi only

17:41P minus p divided by 1 plus i to the power n

17:47P into 1 plus i to the power minus n can be rewritten this way

17:52P divided by 1 plus i to the power n in nama yildhi achieve

17:56So fi is equal to I can take the LCM here or I can take the P outside P into 1 minus 1 divided by 1 plus i to the power n

18:07Or f is equal to P into LCM into the power n

18:121 plus i to the power n

18:15This will be 1 plus i to the power n minus 1 over the fi iqe varam poodhu

18:20In the i and the cell transfer ponam poodhu denominator illa nama yildhi

18:23So that is how you can arrive the formula for future value here

18:28Okay

18:29This is the derivation of the formula without derivation also you can understand

18:33Idhile namak advanced hum irukhu

18:36We have advanced concepts also in this illustration

18:39Okay

18:40So usual na regular run chunnal yepari period end na

18:44Yepari period beginning ha mar irushna adhupir advance

18:46Yepari advance and then the sum yepari mar irukhu hum

18:50We will discuss that how about the illustration the case of advance

18:54So either one the regular regular

18:57Advance case varam poodhu and the formula yepari mar un chunnal governing a

19:03Zero one two n situation

19:07Yepari period beginning p p inke varam poodhu n minus 1

19:11Yepari p

19:12Idhile nam chunthi f le yewu la irukhu un kye karangu

19:15That's how you can arrive this

19:17Idhah advanced case

19:18In the advanced case ila formula namak kye ipari irukhu hum

19:22Okay

19:23Roomba simple

19:25Idhukun formula derivation idhemaari poodalaam

19:27Okay now I may solve this using the simple logic here

19:33Simple logic vetchu na solve p p and ik kami kira

19:36Three

19:37Yepari period beginning p amount irukhu

19:41Yepari period beginning p amount irukhu

19:41Yepari f

19:42Okay

19:43Idhah pathing na

19:46Idhah pathing na

19:48Idhah pathing na

19:48Idhah pya cut pannittu

19:51Idhah endhah cut pannittu

19:52Idhah endhah kut pannittu

19:52Idhah endhah mada la maripuch

19:53Zeroth period la irukhu pa yum

19:58Last year ium remove pannittu

20:00This resembles like this one

20:03Otherwise

20:04Idhah pathing na

20:05Idhah n year varukhu

20:05Idhah n minus 1

20:08Idhah p

20:09Last year iha cut pannittu

20:11Idhah

20:11Zeroth period la irukhu pa yha cut pannittu

20:14Idhah adhu same

20:15Apini nth p ille nvi chayang na

20:18Andhah formula adhye vandhu

20:19Andhah formula n year varukhu

20:21Kanddu pannittu

20:21Idhah advance darundhal

20:23N minus 1 year varukhu

20:25Kandukha calculate pannno

20:25Appa formula i is equal and to

20:27F is equal and to

20:28P into

20:291 plus i to the power

20:31Not n

20:32Oru orusna short

20:33So n minus 1

20:34Minus 1

20:35Divided by

20:361 plus i to the power

20:37N minus 1

20:39Into i

20:40N minus 1 divided by

21:10Nienghe annity factor

21:12Adhavadhu present value annity factor

21:14Varambodhu

21:15Advance

21:16Varambodhu

21:16Ennundhavundhal

21:17Oru orusna

21:18Kammii yurukharudhu

21:19Eldhuthuttu

21:19Ultimate or 1

21:20Seeth nengna

21:21Ungguluk annity factor

21:22Kattachirudhu

21:23For the

21:23Advanced cases

21:26So almost most of the

21:27Derivations

21:28Over

21:28We will see one more illustration

21:31In the next two cases

21:33Illustration bathroom

21:34We will finish up with the summary

21:35All right

21:36Go closer

Present Value of Annuity - EMI Calculation - Formula Derivation

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