it says 4 different rings in 3 particular finger.
means that have put condition on fingers as they have given 3 fingers to put rings at. (so we dont need to worry about selecting 3 from 10 fingers)
.
(in such questions always fix the non movable object (here this is fingers))
so first ring can be put in any of the 3 fingers in 3 ways.
similarly second ring in 3 ways
.third ring in 3 ways
fourth ring in 3 ways
so ultimately 4 rings can be wore in 3*3*3*3 ways = 81 ways solution.