Financial Mathematics | Business Maths | Class 12 | Old Question Solved | NEB Exam Preparation Nepal

Welcome to Everest Online Academy! In this video, we explore Financial Mathematics , a key concept in the Class 12 Business Mathematics syllabus under the chapter Applications of Mathematics in Business . Understanding how to solve problems involving financial concepts like interest, annuities, depreciation, and investments is crucial for scoring well in your NEB exams. Whether you're struggling with formulas or need help solving numerical problems step-by-step, this video will guide you with clear explanations and solved examples from past NEB questions .

✅ What You’ll Learn in This Video:

Introduction to Financial Mathematics :
What is Financial Mathematics?
Definition: The application of mathematical principles to financial problems such as loans, savings, investments, and depreciation.
Importance: Helps in understanding real-world financial scenarios like banking, insurance, and business planning.
Key Concepts :
Simple Interest :
Formula:
I=P⋅r⋅t
Where:
I: Interest earned.
P: Principal amount.
r: Rate of interest (per year).
t: Time period (in years).
Example Problem:
Find the simple interest on Rs. 5,000 at 8% per annum for 3 years.
Solution:
I=5000⋅0.08⋅3=1200
Simple Interest = Rs. 1,200.
Compound Interest :
Formula:
A=P(1+r)
t

Where:
A: Total amount after interest.
P: Principal amount.
r: Rate of interest (per compounding period).
t: Number of compounding periods.
Example Problem:
Find the compound interest on Rs. 10,000 at 10% per annum compounded annually for 2 years.
Solution:
Step 1: Calculate total amount:
A=10000(1+0.10)
2
=10000(1.21)=12100
Step 2: Calculate compound interest:
CI=A−P=12100−10000=2100
Compound Interest = Rs. 2,100.
Annuities :
Definition: A series of equal payments made at regular intervals.
Formula for Present Value of an Annuity:
PV=P⋅
r
1−(1+r)
−n

​

Where:
PV: Present value of the annuity.
P: Payment amount.
r: Rate of interest per period.
n: Number of periods.
Example Problem:
Find the present value of an annuity of Rs. 500 paid annually for 5 years at 6% interest.
Solution:
PV=500⋅
0.06
1−(1+0.06)
−5

​
=500⋅
0.06
1−0.7473
​
=500⋅4.2124=2106.2
Present Value = Rs. 2,106.20.
Depreciation :
Straight-Line Method:
Annual Depreciation=
Useful Life
Cost−Salvage Value
​

💡 Why Watch This Video?
The Financial Mathematics chapter is a frequently tested topic in the Class 12 Business Mathematics exam, especially in the context of numerical problems and applications. By mastering this concept, you can confidently tackle exam questions and secure full marks in this section. This video simplifies the theory, provides solved examples, and includes practical tips to ensure you’re fully prepared.

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💬 Let’s Discuss:
Have any doubts or questions about Financial Mathematics or related topics? Drop them in the comments below, and we’ll get back to you as soon as possible. Also, let us know what other topics or NEB questions you’d like us to cover in future videos.

🌟 About Everest Online Academy:
At Everest Online Academy, we aim to provide high-quality educational content in English to help students excel in their studies. Our videos are carefully crafted to simplify complex topics and make learning enjoyable. From Class 12 NEB preparation to higher-level subjects, we’ve got you covered!

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