@srestha No answer won't be 3200 * 2^10 and the reason is
Main memory size = 4MB = 2^22 * 1 Byte
1 Chip Size = 1 M * 1bit so convert it to byte = (1 M * 1 bit) / 8 = 2 ^ 17 * 1 Byte
Number of Chips Required : Main Memory Size / Chip Size = (2 ^ 22 * 1 Byte) / (2^17 * 1 Byte) = 32 Chips
yes we have 32 chips and each chip has 2^10 rows but one thing to note is : When you refresh a particular row in a chip, the same row gets refreshed in all the other chips simultaneously so the total time : Number of rows * refreshing time of 1 row = 2^10 rows * 100 ns = 100 * 2^10 ns.