Options Basics · Updated 16 Oct 2026

Option Premium aur Time Decay Kya Hai?

Option premium sirf index ki direction par depend nahi karta. Time remaining, volatility aur strike ke relation se bhi premium change hota hai.

Option premium ke components

Option premium ko samajhne ke liye intrinsic value aur time value ka concept useful hai. Actual option pricing mein volatility, rates, dividends aur market demand-supply jaise factors bhi role play kar sakte hain.

Intrinsic value

Intrinsic value option ke current moneyness se related hoti hai. At-the-money ya out-of-the-money option ki intrinsic value generally zero hoti hai; in-the-money option mein intrinsic value ho sakti hai.

Time value

Premium ka woh hissa jo intrinsic value se zyada hota hai, simple explanation mein time value kehlata hai. Expiry tak zyada time hone par uncertainty ke liye time value zyada ho sakti hai.

Time decay

Baaki factors same rahen toh expiry nazdeek aane par time value reduce hoti hai. Isliye option buyer ko sirf direction nahi, move ka timing aur magnitude bhi matter karta hai.

Risk reminder

Time decay constant speed se nahi hota aur volatility/premium movements result ko change kar sakte hain. Options ko low-risk ya guaranteed income source na samjhein.

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