Interest rate derivatives financial instruments hote hain, jinmein interest rate ke fluctuations ke adhaar par keemat nirdharit ki jati hai. Inmein do parties hote hain, jismein ek party interest rate ke fluctuations se bachne ki koshish karta hai, aur dusri party interest rate ke fluctuations se munafa kamane ki koshish karta hai. Interest rate derivatives ke kuch common examples hote hain jaise interest rate swaps, interest rate options, forward rate agreements, aur interest rate futures. Ye derivatives complex hote hain, aur inka upyog karne ke liye ek acchi knowledge aur experience ki jarurat hoti hai.
Interest rate derivatives un financial instruments ko kahte hai jo interest rate ke fluctuations ke adhaar par keemat nirdharit karte hai. Inmein do taraf hote hai: ek taraf vah vyakti ya vyapari hota hai jo interest rate ke badlavon se bachne ki koshish karta hai aur dusri taraf vah vyakti ya vyapari hota hai jo interest rate ke fluctuations ke jariye munafa kamane ki koshish karta hai.
Kuchh common interest rate derivatives niche diye gaye hai:
- Interest rate swaps: Interest rate swaps me do parties ek dusre ke saath fixed aur variable interest rates ki currency exchange karte hai. Yeh ek tarah ka agreement hota hai jismein ek party fixed interest rate ke saath apni karz rakam ko pay karta hai aur doosri party variable interest rate ke saath. Is tarah se, dono parties interest rate ke fluctuations se bach sakte hai.
- Interest rate options: Interest rate options me, ek party dusri party ko ek fixed interest rate par keemat badalne ki adhikar deta hai. Ismein kharidne wala vyakti ek premium pay karta hai, jiske badle mein use fixed interest rate par len-den ki adhikar prapt hoti hai.
- Forward rate agreements: Forward rate agreements ek tarah ka interest rate futures hai. Ismein, dono parties ke beech ek agreement hota hai jismein ek party doosri party ko ek specific interest rate par fixed date par kharidne ya bechne ka adhikar deta hai.
- Interest rate futures: Interest rate futures me, ek party dusri party se ek specific date aur interest rate par ek nishchit rakam ke kharidne ya bechne ka adhikar prapt karta hai. Ismein, futures contract ke antargat ek party kisi bhi samay apni position ko square off kar sakte hai.
Ye interest rate derivatives bahut hi complex hote hai aur inka upyog karne ke liye ek acchi knowledge aur experience ki jarurat hoti hai. Inka upyog karne se pehle, aapko inke bare me acchi tarah se samajhna hoga, taki aap apne risk aur return ko manage kar sake.
- Finance
- Investments
- Risk management
- Trading
- Hedging
- Financial instruments
- Fixed income
- Futures
- Options
- Swaps
- Bonds
- Yield curve
- Market volatility
- Interest rates
- Derivatives market
- Financial markets
- Portfolio management
- Asset allocation
- Capital markets
