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20170331

How many crores is 1 Trillion?

1 Trillion = 1 lakh crores ie a crore one lac times

Olympic trillion

Photo Source - By Miass (Own work) [CC BY-SA 3.0], via Wikimedia Commons

1 Billion = 1 Arab  = 100 crores
10 Billion then
100 Billion then
1000 Billion = 1 Trillion

That means
1000 Arabs = 1 Trillion
1000 x 100 crores = 1 lakh crores = 1 Trillion


So how many millions is 1 Trillion?

1000 Millions = 10000 lacs = 100 crores = 1 Arab = 1 Billion

And

1000 Arabs = 1000 Billions = 1 Trillion

So we have

1 Trillion = 1000 Billion = 1000 Arab = 100000 Crores = 10 Lac Millions = 1 Million Millions

That means A million millions is one Trillion.

Is there any GPS tracker available in market for tracing lost child?

The first thought we get when a child is lost is how to track our children under such conditions. Years before it was in news that a rich businessman inserted chip in the body of their children so that he can track them in the instance of a kidnapping.

So can we get such a chip. Well good news is that , yes. I checked on Amazon and found below link. It is a watch with GPS chip in range of 3000 bucks. So anyone can order it. The location, they say, is trackable on our Android phone. So worth a buy. Here is the link. Hope this helps.

AMAZON LINK
http://www.amazon.in/Tracker-functions-Children-Security-Anti-lost/dp/B01MXPYIO2?tag=googinhydr18418-21

20170330

How many crores equals 1 Billion?

1 Billion means 1 Arab
That means
100 crores

So
1 Billion = 100 crores = 1 Arab

Also
1 Billion = 1000 Millions
Where 1 million = 10 lacs
So
1 Billion = 10000 lacs = 100 crores = 1 Arab

20170328

Message by Pune and Mumbai Municipal Corporations dt 29Mar19

Source - Whats App
Verification - True as per below link
http://www.accuweather.com/en/weather-news/india-dangerous-heat-to-intensity-this-week-after-arriving-unusually-early/70001217

*Mumbai/ Pune Municipal Corporation has issued 'RED Alert' for 3 days.*

Mean temperature  will be between 45.1 to 48.5degrees Celsius

Please drink 6-7 liters of water a day, Avoid going out in open sun from 11AM- 4 PM.

Circulate this message in family & friends.

20170326

Jivanmukta Quotes by Yoga Vashishta

Jivan Mukta Quotes by Yoga Vasishta

REFERENCE - https://en.wikipedia.org/wiki/Yoga_Vasistha

The Yoga Vasistha describes the Jivanmukta, or liberated person, as follows (abridged from the 1896 translation by KN Aiyer):

He associates with the wise.
He has reached the state of mind, which sees happiness everywhere.
To him, neither sacrificial fires, nor Tapas, nor bounteous gifts nor holy waters have any meaning.
He is replete with wisdom and friendly to all.

He is desireless and in his eyes there is nothing supernatural.
His state is indescribable and yet he will move in the world like anybody else.
His mind will not be bound by any longings after Karmas.
He will be indifferent to joy or pains arising from good or bad results.
He will preserve a pleasant position in the happy enjoyment of whatever he obtains.

He is never affected by anything, whether he is in a state of Jiva consciousness or state of Shiva devoid of the Jiva consciousness.

He is same whether he moves in a family or is a solitary recluse.

He feels unbound by the delusions of Srutis and Smritis.

Nothing matters to him, he is unaffected by griefs or pleasures.
He is distant, he is close, he in the one Reality of Atman.

He is neither clingy nor arrogant.

He has no fear of anyone, no anger against anyone.

When the attraction towards external objects ceases, then there yet remains the internal craving which is called Trishna (thirst).
The Jivanmukta is beyond Trishna.
He is, not becoming.
He does not even long for salvation.
He is content.

A Jivanmukta will always transact his present duties, but neither longs for things in the future, nor ruminates upon things of the past.

He is a child amongst children; as old men amongst the old; as the puissant amongst the puissant; as a youth amongst the young, compassionate and understanding with the grieved.

In him is found nobleness, benevolence, love, clearness of intellect.

Was Sai Baba a Muslim?

As per few people, he was a Muslim. But as per few people , he was a Hindu

Below link of Indian Express tells that he was from a Brahmin Hindu family and was handed over to a Fakir. Hence he was not a Muslim.


INDIAN EXPRESS LINK

 "Sai Baba was not a Muslim but a Brahmin, penalise those who insult him: Temple trust to HC". 

The Indian Express. 2014-09-15. Retrieved 2015-08-01.

20170325

Display message on EZ Smart 606 Blood Glucose monitoring system

Display messages

HI
It means blood glucose level is higher than 600 mg/dL (33.3 mmol/L)

Lo
It means blood glucose level is lower than 20 mg/dL (1.1 mmol/L)

•H
It means ambient temperature was too high to perform the test

•L
It means ambient temperature was too low to perform the test

•I
It means test strip is not inserted properly, defective test strip, or insufficient blood sample

•3
It means meter has some problems, contact Store or distributor

L- -
It means battery power is low. Meter will provide approximately 50 more measurements.

*        (Star with battery sign)
It means battery is low. Replace immediately.

20170324

Changing trial room - Mirror testing equation VIBGYOR Type

EQUATION 1 (MOBILE COVERAGE)

Clear Signal in Mobile = No Camera in Trial Room
Signal Disturbance in Mobile = Yes, there may be a Camera in Trial Room



EQUATION 2 (MOBILE CONNECTIVITY)

Call from Trial Room CONNECTS = No Camera in Trial Room. No Fear
No Call from Trial Room = Yes, there may be a Camera in Trial Room


EQUATION 3 (MIRROR TEST)

Touch Mirror in Trial room with Finger
If Finger & Reflection of Finger MEETS AT ONE POINT = YES, there may be a CAMERA
If Finger & Reflection do not meet, there is space = NO FEAR, it is real mirror, there is no Camera on Opposite side.

ie. in short
NO DISTANCE = YES CAMERA
YES DISTANCE = NO CAMERA


EQUATION 4 (SEE THROUGH MIRROR)

If you try to see through mirror, and you see things on opposite side = Yes, there may be a CAMERA
(By putting your hands around your face, such that light cannot touch mirror and in the created darkness, you try to see through the mirror, then things on opposite side are visible for 2-way mirrors)
2-way mirrors means - Mirror on one side, but others can see from other side.


EQUATION 5 (SAME AS EQUATION 4 taking help of TORCH)

Switch off lights in TRIAL ROOM.
Take a torch.
Put it on mirror.
If it is a 2-way mirror,
the camera on other side of mirror will be visible alongwith the culprit.

20170321

Maths trick

Trick for fast maths calculations from whole numbers like 100, 1000 and 10000.

Support number is 9 but
Support number is 10 for LAST DIGIT

Eg. 100-85
9-8=1 and
10-5=5
So answer is 15

Now let's test with 1000

1000-851
9-8=1
9-5=4
10-1=9
So answer is 149

Now let's test with 10000
10000-7852
9-7=2
9-8=1
9-5=4
10-2=8

This trick is helpful for deriving quick answers from while numbers like 100,1000 and 10000 during competitive examinations

20170319

Importance of friends in remaining happy

Friends Institute typography


Photo Source - By Tony Hisgett (Flickr: Friends) [CC BY 2.0], via Wikimedia Commons

अलसस्य कुतः विद्या अविद्यस्य कुतः धनम् ।
अधनस्य कुतः मित्रम् अमपित्रस्य कुतः सुखम् ॥ 


How can a lazy one get educated, 


How can an uneducated man earn wealth, 

How can a penniless man have friends, and 

How can anyone be happy without friends ?


CONCLUSION - 
Education is the root cause to wealth, friends & happiness.

Morning Mantra - Deep Darshan

        दीप दर्शन

शुभं करोति कल्याणम् आरोग्यम् धनसंपदा।
शत्रुबुद्धिविनाशाय दीपकाय नमोऽस्तु ते॥
दीपो ज्योति परं ब्रह्म दीपो ज्योतिर्जनार्दनः।
दीपो हरतु मे पापं संध्यादीप नमोऽस्तु ते॥
     

Shubham Karoti Kalyanam
Aarogyam Dhan Sampada|

Shatrubuddhi Vinaashaaya
Deepakaaya Namostu Te ||

Deepo Jyoti Param Brahm
Deepo Jyotihi Janardanah|

Deepo Hartu Mey Papam
Sandhya Deep Namostute Tey ||

Aarti (ଦୀପ) 2

Photo Source - By Rajmishra757 (Own work) [CC BY-SA 4.0], via Wikimedia Commons


Meaning
If we light at Deep, then this Good act leads to betterment, prosperity, wealth & health.
This Good act of lighting a Deepak kills the intellect of enemies that are thinking to harm you.
I worship to that Deep which is one of the best Good Act.

Deep is Parabrahma (The thing from which world & its beings evolved)
Deep is God
Deep annihilates my sins.
So I worship to that Deep which is lighted in evening.


Explanations
Deep projects light energies , heat energies & positive energies which dispels dark energies which is the root cause of weakening the good in us & thriving of ills in us. The Havishya coming out of Deep strengthens the Heavenly Gods and the darkness strengthens the Asuras. Hence the bliss & protection of heavens is likely on those homes which lights Deep.

Also evening or Sandhya is the time of Asuras. Hence lighting a Deep at this time which is succeeded by Night projects sufficient positive energy around us. Hence Sandhya Deep or the Deep in evening is very important & influencing wrt positive energies in us.

MYTH QUOTE 
The Construction God tells the Lord of Saturn - "If God Sun prohibits His light to the world, then cruel cold is not the only problem. The more serious problem is conscience. A conscience gets weak in the person devoid of sunlight. Dark part gets strengthened. This area belongs to Demon Rahu. Fights, misunderstandings, wrong acts, cruelty, infedility etc. is strengthened."

Hence offices & houses are advised to be such that SUNLIGHT can enter that. 

Quote Bhakti

*Spiritual Lesson* 

न जातु काम: कामानामुपभोगेन शाम्यति |
हविषा कॄष्ण्मत्र्मेव भुय एवाभिवर्धते ||

"Material desire never gets fulfilled even if it is temporarily satisfied. As, fire consumes offered ghee and increases, desire also increases with consumption."

"निश्चय ही कामनाएँ, काम के उपभोग से कभी शांत नही होतीं | बल्कि जैसे अग्नि में आहुति डालने से अग्नि बढ़ती है, उसी प्रकार काम के उपभोग से कामनाएँ भी बढ़ती हैं |"
*-सुभाषित रत्नभंडागार*

What is difference between Devas and Asuras and where does Dharm stand in between them? Conversation between Yogi and common man

Common Man
What is Dharma?

Yogi
To my understanding Dharma is a Vidya like Marshal arts which protects a soul in this life and afterlife. Scriptures say "Dharmo Rakshati Rakshitah" means if we follow Dharma, then that Dharma protects us. On the contrary if we don't follow Dharma, the Dharma is killed, then that Dharma comes back to kill us.

Common man
Example?

Yogi
On last day of Agyatvaas, the Pandavas decided to run away from kingdom of Viraat. But Yudhisthira says, leaving the one, who sheltered us in calamity, is Adharma. We should strive to protect them and in this effort, meet our consequences.

Attack was from North gate, so they were ready to escape from South gate. Nakul and Sahdev got annoyed saying Dharma has always drowned us, why follow it? But finally they decided to follow Dharma and so they entered back into city to protect all.

Later while fighting, they realise that Duryodhan, with his vast army, had attacked the South gate. They at once realised, how Dharma had protected them. And what could had happened if they could had escaped from South gate. Their Agyatvaas could had been broken which could had resulted to 12 years of more exile in forest.

Common man
OK.
I have heard that Lord of Friday ie Shukracharya protects demon and is their Guru? Is this not something wrong happening?

Yogi
No. He was appointed Guru of demons by Creator Himself so that he teaches demons to practice Dharma. He protects all those demons who follow Dharma and does not hesitate in punishing those Devas or Daivi natured humans who do not follow Dharma. Also he protects Asuras from the partiality of heavenly gods towards humans.

Common man
Now what is Deva and demons or asura and Dharma? Can you explain with examples.

Yogi
Sure. I will give you example of Dharma and Adharma separately and how Deva or Asura follows it. Devas are heavenly gods as well as good people influenced by soft virtues like courtesy , love etc.. Asuras are those who like to use strength.
Problem with Devas is that they being soft makes borders thin and may commit sins if they are not alert to follow Dharma. Lord Brahma says in Srimad Bhagvat to Prithu - an Avtaar of Lord Vishnu saying "Please stop your Yagya at 99. Don't go for 100. For Indra has determined to stop your 100th Yagya and Devas are Duragrahi (stubborn) hence I cannot do anything. It is better you stop at 99 Yagya & don't go for 100. Race, competion, jealosy may exist in them but still they are much superior to demons. Hence Lord Vishnu always interfere with demons & their dominance on universe saying only Gods can protect the Universe, the demons will just destroy it.

For Asuras, the equation Power corrupts man - is true. Being power centered, they develop a likeness to exploit people and the earned curses leads to their doom.

Common man
How do Devas follow Dharma and how do Asuras follow Dharma?

Yogi
If there is a sweet in your hand and if the person with Daivi nature (heavenly god of future) wants it, he will try to please you, beg you, request you to give. He will use all his efforts to please you & get that. In case you do not give, he will prefer to live without that sweet. He will embrace sacrifice. In general, this is tendency.

And if a Asura or a person with Asuri nature wants that, he will bully you out & take that sweet. This is really Adharm. However advanced Asuras who are religious, will try to find faults in your character, will try to lure you towards sin and if they find fault, will use their powers to defeat or kill you and take that sweet. While annihilating you, he will tell the Directions that you are a sinner, hence bad with sin is justice and such things. In general this happens.

Common man
If this was true, then why did Pandavas did a war which killed millions? Were they not having Daivi nature? Were they not the heavenly beings of future?

Yogi
This misleading thought is capturing every common man like cobwebs capture home. Why you forget, Lord Krishna gave chance to Kauravas to give only 5 villages in place of half kingdom?. Still Duryodhan denied. The Pandavas could have lived like beggars but as a father they thought what was the sin of their offsprings. When evil reaches its height, it is to be destroyed. Hence Lord Krishna instructed them to wage war, because Duryodhan said, 5 villages in place of half kingdom is too much, I can't even give a piece of land equal to the area occupied by the point of a needle. Hence this annoyed Lord Krishna. He said that Jealousy of Duryodhan which is an evil , is at its peak. Hence now war is necessary.

I will give you few more illustrations of how Asuras follow Dharma

Illustration 1
Dharma if followed by Human, Deva or Asura or Demon protects him or her. For eg. in olden stories there is a mentioning of demoness. She used to eat humans in forest. But one day when a king came in front of her, she did not ate him. She told, I eat only those humans who are under the influence of fear. For I am told, that only sinners fear. The sinless are fearless. Hence I cannot kill you. Then she goes away without killing the king who was successful in projecting himself as fearless before the demon.

Illustration 2
As per other myth, a demoness was flying through skies. She noticed a cutted head ghost under the tree. She felt motherhood on seeing him. So she carried the cutted head soul and asked him what he wanted. 

The ghost said that he wanted to be a prince of royal family. Hence the demoness took the head and wandered flying here and there to watch if any royal family women was ready for becoming a mother, in the human world. She watched everywhere but she noticed that all royal families were protected by Dharma. Hence there was no entry for her or the soul she carried. 

Suddenly one day a king went wandering into forest for hunting with her queen. They were in a tent. As he went outside , the queen was alone. There came a demon, having ability to change form. He came in form of king and slept with the queen.  The queen realised lately and wept. As soon as she wept, the demoness caught her vibes and clapped. She told the cutted head ghost that your way to become a prince is now open. 

This way this demoness also followed her Dharma. She did not dared to put the soul in womb of those royal family women who were protected by Dharma or religion. This way she was a religious Demoness following rules hence such creations cannot be harmed. 

Can human society say that Judge is sinner or Army man killing enemies are sinner? No. Because they understand it is the Dharma of Judge or Army to order to kill or to kill. That way demons also have laws. They also have Dharma. And those following Dharma are unharmed. It is believed Dharma is the best Z Security any soul can get. Even if the soul surpasses suffering on earth due to Dharma, then his or her afterlife is considered bright in major cases. Hence clinging to Dharma is advisable for a better afterlife in heavens, says the scriptures.

25. Om Sarvasmai namah

Sarvasmai is the 25th Letter of Sri Vishnu Sahasranama

File:Home in Relation to Everything.png

Photo Source - By Roland Winkler, Leibnitz Institution of Astrophysics, Potsdam Thanks to Axel Schwope, Eric Depagne, Hakan Önel, Anne Hutter, Jochen Klar, Adrian Partl and Ethan Siegel for their input. [CC BY-SA 3.0], n_Relation_to_Everything.png">via Wikimedia Commons


Sarvasamai - Means All

He who is Everything - is Lord Vishnu

Lord Krishna says in Gita - "The Sat is Me. The Asat is Me." It means that Exists is Me. That which does not Exists is Me. So both are Him. So All is Him.

There goes a Story between a Devotee & Lord Vishnu .
Source - Meditation

Once a devotee saw Lord Vishnu. But Lord Vishnu was indifferent to him & ignored him. The devotee said - "Respect Me. Because I am your devotee. I love you more than others."

Lord Vishnu smiled. He said, "Show Me one soul on earth or elsewhere who does not love Me."

The Devotee showed God the most sinful person. God smiled & said. He loves Self. The entire world is my form. So indirectly He is loving Me.

Then the devotee showed Him a merchant who loved his business more than his family. Lord smiled and said. Everything is Me. So business is also one of my forms. He is loving me in form of business.

That way Devotee pointed out many people who were very sinful. But closely looking the devotee realised they were doing so, because they loved something. And Lord Vishnu claimed, everything is Me. So they were loving God. It was just because of their ignorance that they were worshipping the lower forms of Lord Vishnu. If they could had the knowledge of the higher form of LORD VISHNU, then they could had loved Lord Vishnu as much as he loved God.

The pride of the devotee that he was the most caring devotee of Lord Vishnu was removed. He came to ground and started thinking himself as a simple devotee of Lord Vishnu.

This story proves few things
1) One should try to become a simple devotee of Lord Vishnu, not the highest or the most favourite.
2) Lord Vishnu is everything.
3) Lord Vishnu gave this knowledge to that devotee as He disliked the pride in His devotee where he considered himself superior than others.

Even Srimad Bhagvat says - The devotee at lower level sees me only in statues and pictures.But the devotee at higher level tries to see Me in all & respect Me thatway. Hence one should try to see the hidden God everywhere because Lord Vishnu is SARVA means ALL.





20170318

PM Salary hike since 2009

Prime Minister monthly pay and allowances
References - https://en.wikipedia.org/wiki/Prime_Minister_of_India

Salary in Oct 2009 -
₹100,000 (US$1,500)

Salary in Oct 2010 -
₹135,000 (US$2,000)
Hike - 35% in 1 year

Salary in Jul 2012 -
₹160,000 (US$2,400)
Hike - 19% hike in 2 years

2 Oaths by Prime Minister of India while taking office

Reference - https://en.wikipedia.org/wiki/Prime_Minister_of_India

The 2 Oaths by Prime Minister in India

PM makes this Oath in presence of President of India before entering office

Oath of office:
I, , do swear in the name of God/solemnly affirm 
that I will bear true faith and allegiance to the Constitution of India as by law established,
that I will uphold the sovereignty and integrity of India,
that I will faithfully and conscientiously discharge my duties as prime minister for the Union and
that I will do right to all manner of people
in accordance with the Constitution and the law, without fear or favour, affection or ill-will.
— Constitution of India, Third Schedule, Part I

Oath of secrecy:
I, , do swear in the name of God/solemnly affirm 
that I will not directly or indirectly communicate or reveal to any person or persons any matter
which shall be brought under my consideration or
shall become known to me as prime minister for the Union
except as may be required for the due discharge of my duties as such Minister.
— Constitution of India, Third Schedule, Part II

8 Parshads of Lord Vishnu

1) Nand

2) Sunand

3) Prachand

4) Chand

5) Mahabal

6) Bal

7) Kumud

8) Kumudekshan

8 weapons of Lord Vishnu

Reference - SrimadBhagvat 11.27.26

Bhagavan Vishnu

Photo Source - By Ramanarayanadatta astri (http://archive.org/details/mahabharata06ramauoft) [Public domain], via Wikimedia Commons

1) Sudarshan Chakra
2) Panchjanya Shankh (Conch)
3) Kaumodaki Gada
4) Khadga (Sword)
5) Baan (Arrow)
6) Dhanush (Bow)
7) Hal (Plough)
8) Moosal

Things worshipped other than this
  • Kaustubhmani
  • Vaijayantimaala
  • Shrivatsa Chihna

9 Shaktis

Reference - SrimadBhagvat 11.27.25/26


The 9 powers

1) Vimla (Pure/Clean)

2) Utkarshini (Rise)

3) Gyana (Knowledge)

4) Kriya (Movement)

5) Yoga (Meditation)

6) Prahni

7) Satya (Truth-This is something followed by God's only. Very rare humans can follow this. If a person following Satya says from the depth of his or her heart that if I am follower of Truth, a true devotee, a true wife etc.- let the sun not rise tomorrow, then it is believed that by the power of Truth, the sun shall not rise. Such is the power of Truth. The Pandavas, the best Aryas who won the heart of Lord Krishna by their good character and Dharma became ready to share a single wife Amongst 5 brothers because they were panciked that if they will not do that, the Satya or Truth power residing within them will be corrupted. )

8) Ishaana

9) Anugraha (Love or bliss)

4 Sticks of Aasana

Reference - SrimadBhagvat 11.27.24

1) Adharm ( Sin or to do the Not to dos)

2) Agyaan (Ignorance)

3) Avairagya (Over likeness/Addiction/Attachment)

4) AnAishwarya (Presence of shortage/lack/ no abundance)

4 pillars of Aasana

1) Dharma (Righteousness/Duty/Religion/ The ideal to dos towards others)

2) Gyaan (Knowledge)

3) Vairaagya (Detachment/Lack of attachment or over likeness or addiction)

4) Aishwarya (Bountiness eg. Yogis can produce diamonds, gold, beautiful women , riches etc by mind power. This things are limitless. Hence such a limitless wealth attained easily by super humans or Yogis is called Aishwarya. In other words Siddhis or powers is Aishwarya)

5 Kalas of Omkaar - the word Om

Lotus aum

Photo Source - By Meul (Meul) (Own work) [GFDLCC-BY-SA-3.0 or FAL], via Wikimedia Commons

1) A-kar

2) Oo-kar

3) Ma-kar

4) Bindu (Point)

5) Naad (rhythm/music/noise/voice)

At end of this 5 kalas the follower of a Kriyayog should focus on the living statue of God residing within heart. When the light of God fully fills the body, then worship God in mind by mind ideas, mind flowers etc

3 Steps of Puja

Reference - SrimadBhagvat 11.27
Shloks 19 to 23

Encennnn

Photo Source - By NirmalaGustave (Own work) [CC BY-SA 4.0], via Wikimedia Commons


1) Paadhya (washing feet)
    The vessel of Paadhya can contain things like Saanv grains, Soon, Lotus, Vishnukranta and Chandan

2) Ardhya (A sort of giving)
     The vessel of Ardhya can contain things like Gandh, Flowers, Akshat (Rice), Jau (Wheat), Kush, Til(Sesame), Sarso and Doob

3) Aachman (Drinking)
     The vessel of Achman can contain Jaayfal, Laung(Clove) etc.
This 3 vessels should be recited with
a) Ridaymantra (Heart)
b) Shiromantra (Head)
c) Shikhamantra (Head back point where Brahmins keep a hair tail) and later
Gayatri Mantra
Then doing Pranayam one should chant Om and focus on the God living statue residing within heart. The whole body soon gets filled by the divine light of God and positivity by this practice.
The greatest interest of humanity lies in worshipping God by above method which is known as Kriyayog and this is what,  is said by God of Thursday(Jupiter Planet God), Naarad and Vyaasdev (11.27.2- SrimadBhagvat)

3 types of Nyaas

1) Ang-nyaas

2) Kara-nyaas

3) Mantra-nyaas

How can INR 10/- account fetches INR 725.05 in 5 years ?

Reference - Weblink
https://www.indiapost.gov.in/Financial/Pages/Content/RD-Account.aspx

As per this weblink which belongs to Post Office and is fully trustworthy, the weblink says that if you invest Rs. 10 for 5 years in Post office account than after 5 years what you get is Rs. 725!!!

The interest is 7.3% per annum which is compounded quarterly.

Lets us check by Excel table as given below , if it is true.

Lets us check by Excel calculations


Year
Amount
Rate of Interest
Interest
Remarks
1st Year
      10.00
7.3
         0.73

1st Year
      10.73
7.3
         0.78

1st Year
      11.51
7.3
         0.84

1st Year
      12.35
7.3
         0.90

1st Year
      13.26
7.3
         0.97

1st Year
      14.22
7.3
         1.04

1st Year
      15.26
7.3
         1.11

1st Year
      16.38
7.3
         1.20

1st Year
      17.57
7.3
         1.28

1st Year
      18.85
7.3
         1.38

1st Year
      20.23
7.3
         1.48

1st Year
      21.71
7.3
         1.58
Amount is doubled in first year
2nd Year
      23.29
7.3
         1.70

2nd Year
      24.99
7.3
         1.82

2nd Year
      26.82
7.3
         1.96

2nd Year
      28.77
7.3
         2.10

2nd Year
      30.87
7.3
         2.25

2nd Year
      33.13
7.3
         2.42

2nd Year
      35.55
7.3
         2.59

2nd Year
      38.14
7.3
         2.78

2nd Year
      40.93
7.3
         2.99

2nd Year
      43.91
7.3
         3.21

2nd Year
      47.12
7.3
         3.44

2nd Year
      50.56
7.3
         3.69
Amount is 5 times
3rd Year
      54.25
7.3
         3.96

3rd Year
      58.21
7.3
         4.25

3rd Year
      62.46
7.3
         4.56

3rd Year
      67.02
7.3
         4.89

3rd Year
      71.91
7.3
         5.25

3rd Year
      77.16
7.3
         5.63

3rd Year
      82.79
7.3
         6.04

3rd Year
      88.84
7.3
         6.49

3rd Year
      95.32
7.3
         6.96

3rd Year
    102.28
7.3
         7.47

3rd Year
    109.75
7.3
         8.01

3rd Year
    117.76
7.3
         8.60
Amount is 10 times
4th Year
    126.35
7.3
         9.22

4th Year
    135.58
7.3
         9.90

4th Year
    145.48
7.3
      10.62

4th Year
    156.10
7.3
      11.39

4th Year
    167.49
7.3
      12.23

4th Year
    179.72
7.3
      13.12

4th Year
    192.84
7.3
      14.08

4th Year
    206.91
7.3
      15.10

4th Year
    222.02
7.3
      16.21

4th Year
    238.23
7.3
      17.39

4th Year
    255.62
7.3
      18.66

4th Year
    274.28
7.3
      20.02
Amount is 25 times
5th Year
    294.30
7.3
      21.48

5th Year
    315.78
7.3
      23.05

5th Year
    338.83
7.3
      24.73

5th Year
    363.57
7.3
      26.54

5th Year
    390.11
7.3
      28.48

5th Year
    418.59
7.3
      30.56

5th Year
    449.14
7.3
      32.79

5th Year
    481.93
7.3
      35.18

5th Year
    517.11
7.3
      37.75

5th Year
    554.86
7.3
      40.50

5th Year
    595.37
7.3
      43.46

5th Year
    638.83
7.3
      46.63
Amount is 64 times



OK, so excel says Amount can become 64 times bigger. So if they are compounding quarterly interest then must be becoming Rs. 725/- Hence worth an investment. Being a government unit, there is no fear for bankruptcy.

A Not so good factor - If you are earning interest above Rs. 10000/- then IT Deduction may happen. So that will be around 10-30-40 % depending upon amount deposited. Still, the scheme is worth an investment. We can say it is a wise investment.


If the same investment is in banks in the form of SAVINGS ACCOUNT ,which is undisturbed for 5 years, what will be the gains. Lets compare.

Year
Amount
Rate of Interest
Interest
Remarks
1st Year
      10.00
2.5
         0.25

1st Year
      10.25
2.5
         0.26

1st Year
      10.51
2.5
         0.26

1st Year
      10.77
2.5
         0.27

1st Year
      11.04
2.5
         0.28

1st Year
      11.31
2.5
         0.28

1st Year
      11.60
2.5
         0.29

1st Year
      11.89
2.5
         0.30

1st Year
      12.18
2.5
         0.30

1st Year
      12.49
2.5
         0.31

1st Year
      12.80
2.5
         0.32

1st Year
      13.12
2.5
         0.33
In Post Office FD, Amount is doubled in first year but in banks it has not moved even a inch
2nd Year
      13.45
2.5
         0.34

2nd Year
      13.79
2.5
         0.34

2nd Year
      14.13
2.5
         0.35

2nd Year
      14.48
2.5
         0.36

2nd Year
      14.85
2.5
         0.37

2nd Year
      15.22
2.5
         0.38

2nd Year
      15.60
2.5
         0.39

2nd Year
      15.99
2.5
         0.40

2nd Year
      16.39
2.5
         0.41

2nd Year
      16.80
2.5
         0.42

2nd Year
      17.22
2.5
         0.43

2nd Year
      17.65
2.5
         0.44
Amount is 5 times in PO FD, but in banks it is just 2 times now= Loss of 3 times
3rd Year
      18.09
2.5
         0.45

3rd Year
      18.54
2.5
         0.46

3rd Year
      19.00
2.5
         0.48

3rd Year
      19.48
2.5
         0.49

3rd Year
      19.96
2.5
         0.50

3rd Year
      20.46
2.5
         0.51

3rd Year
      20.98
2.5
         0.52

3rd Year
      21.50
2.5
         0.54

3rd Year
      22.04
2.5
         0.55

3rd Year
      22.59
2.5
         0.56

3rd Year
      23.15
2.5
         0.58

3rd Year
      23.73
2.5
         0.59
Amount is 10 times in PO FD, but in banks it is again only 2 times = Loss of 8 times gain
4th Year
      24.33
2.5
         0.61

4th Year
      24.93
2.5
         0.62

4th Year
      25.56
2.5
         0.64

4th Year
      26.20
2.5
         0.65

4th Year
      26.85
2.5
         0.67

4th Year
      27.52
2.5
         0.69

4th Year
      28.21
2.5
         0.71

4th Year
      28.92
2.5
         0.72

4th Year
      29.64
2.5
         0.74

4th Year
      30.38
2.5
         0.76

4th Year
      31.14
2.5
         0.78

4th Year
      31.92
2.5
         0.80
Amount is 25 times in PO FD, but in banks it is just 3 times ie loss of 22 times gain
5th Year
      32.71
2.5
         0.82

5th Year
      33.53
2.5
         0.84

5th Year
      34.37
2.5
         0.86

5th Year
      35.23
2.5
         0.88

5th Year
      36.11
2.5
         0.90

5th Year
      37.01
2.5
         0.93

5th Year
      37.94
2.5
         0.95

5th Year
      38.89
2.5
         0.97

5th Year
      39.86
2.5
         1.00

5th Year
      40.86
2.5
         1.02

5th Year
      41.88
2.5
         1.05

5th Year
      42.92
2.5
         1.07
Amount is 64 times in PO FD, but in banks it is only 4 times = loss of gains by 60 times!!!


So!!! Post Office FDs are worth definitely investing. And is a smart investment.

So if you have Rs. 5000 in saving banks account and you feel that you will not require it for 5 years, then better to go for POST OFFICE FDs

Now lest us see a 3rd investment. Economic Times say - Don't earn, let your money earn. It is believed entire US is in investment. Now lets see what they get. Why they dont invest in FDs for 5 years & invest in companies. Say a company earsn 10%  profit monthly. Assuming it will have no loss for coming 5 years, what will be the gains as compare to PO FD


Year
Amount
Rate of Interest
Interest
Remarks
1st Year
      10.00
10
         1.00

1st Year
      11.00
10
         1.10

1st Year
      12.10
10
         1.21

1st Year
      13.31
10
         1.33

1st Year
      14.64
10
         1.46

1st Year
      16.11
10
         1.61

1st Year
      17.72
10
         1.77

1st Year
      19.49
10
         1.95

1st Year
      21.44
10
         2.14

1st Year
      23.58
10
         2.36

1st Year
      25.94
10
         2.59

1st Year
      28.53
10
         2.85
In Post Office FD, Amount is doubled in first year but in company investment , amount becomes 3 times = 1 time gain
2nd Year
      31.38
10
         3.14

2nd Year
      34.52
10
         3.45

2nd Year
      37.97
10
         3.80

2nd Year
      41.77
10
         4.18

2nd Year
      45.95
10
         4.59

2nd Year
      50.54
10
         5.05

2nd Year
      55.60
10
         5.56

2nd Year
      61.16
10
         6.12

2nd Year
      67.27
10
         6.73

2nd Year
      74.00
10
         7.40

2nd Year
      81.40
10
         8.14

2nd Year
      89.54
10
         8.95
Amount is 5 times in PO FD, but in company investment, amount is 9 times = 4 times gain
3rd Year
      98.50
10
         9.85

3rd Year
    108.35
10
      10.83

3rd Year
    119.18
10
      11.92

3rd Year
    131.10
10
      13.11

3rd Year
    144.21
10
      14.42

3rd Year
    158.63
10
      15.86

3rd Year
    174.49
10
      17.45

3rd Year
    191.94
10
      19.19

3rd Year
    211.14
10
      21.11

3rd Year
    232.25
10
      23.23

3rd Year
    255.48
10
      25.55

3rd Year
    281.02
10
      28.10
Amount is 10 times in PO FD, but in company investment, amount is 30 times, ie 20 times more gain
4th Year
    309.13
10
      30.91

4th Year
    340.04
10
      34.00

4th Year
    374.04
10
      37.40

4th Year
    411.45
10
      41.14

4th Year
    452.59
10
      45.26

4th Year
    497.85
10
      49.79

4th Year
    547.64
10
      54.76

4th Year
    602.40
10
      60.24

4th Year
    662.64
10
      66.26

4th Year
    728.90
10
      72.89

4th Year
    801.80
10
      80.18

4th Year
    881.97
10
      88.20
Amount is 25 times in PO FD, but in company investment it is 85 times = 60 times more gain
5th Year
    970.17
10
      97.02

5th Year
 1,067.19
10
    106.72

5th Year
 1,173.91
10
    117.39

5th Year
 1,291.30
10
    129.13

5th Year
 1,420.43
10
    142.04

5th Year
 1,562.47
10
    156.25

5th Year
 1,718.72
10
    171.87

5th Year
 1,890.59
10
    189.06

5th Year
 2,079.65
10
    207.97

5th Year
 2,287.62
10
    228.76

5th Year
 2,516.38
10
    251.64

5th Year
 2,768.01
10
    276.80
Amount is 64 times in PO FD, but in company investment, it is 300 times = 240 times more gain



CONCLUSION -
Investment in Saving accounts is good and beneficial rather than keeping money in cash at home as we get gains by 4 TIMES at end of 5 years
But investing in Post office FDs is much better as it gives gain by 64 Times
But investing in Companies is even much better as it gives gain by 300 times. The share business is more or less same as investing in company, but risk of loss exists here which is not present in above 2 (Saving accounts & FD Accounts)