The price of a piece of land in Kathmandu was fixed at Rs. 60,00,000 at the end of 2020 AD. The price increased by 10% as the consequence of increasing buying pressure at beginning of 2021. But the price of land decreased by 4% due to the economic crisis at the end of 2022 AD. What does $P\left(1+\dfrac{R}{100}\right)^T - P$ as per usual notation indicate?