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Answer will be 325.

Rs 1092 you took from bank to buy something. this amount needs to be paid in 3 years.
0 - 1 year: 1st installment of x rupees
1 - 2 Year: 2nd installment of x rupees
2-3 year: 3rd and last installment of x rupees

1. When X=325 rupees are paid to the bank at the end of 1st year, bank will earn some interest on this amount of 325 rs at 12% for next 2 years and that will also counted as earnings for bank.
2. When X=325 rupees are paid to the bank at the end of  2nd year, bank will earn some interest on this amount of 325 rs at 12% for next 1 years and that will also counted as earnings for bank.
3. When X=325 rupees are paid to the bank at the end of 3rd year, now bank can't earn any interest on it because total duration is 3 years.

Total amount 1092 should be equal to total installments paid by client + interest amount earned by bank.

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let annual installment be 100. Now shortcuts is to add rate of interest in 100 for time (i,e. 3 installments).

means 100 , 112 & 124

now shortcuts is( total debt = add these 3 values = 100 + 112+124 = 336 )

Now take ratio of  annual installment / total debt = 100 / 336 = X/ 1092

{let actual installment be X)}

so X = 100 *1092/336 = 325

So annual payment that will discharge a debt of Rs. 192 due in 3 years at 12% SI  = Rs.325        ans

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