Rashid borrowed a sum of Rs. 30,240 at 10% p.a., interest compounded annually. If the amount is to be paid back in two equal annual installments, then the interest paid by him is: 

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  1. Rs. 4,608 
  2. Rs. 4,590 
  3. Rs. 4,518 
  4. Rs. 4,600 

Answer (Detailed Solution Below)

Option 1 : Rs. 4,608 
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Detailed Solution

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Given:

Principal = Rs 30,240

Rate = 10% p.a. interest compounded annually

Number of installments = 2

Formula Used:

For CI, in the case of equal installments

Principal = \(\frac{Installment}{(1+\frac{r}{100})}\) + \(\frac{Installment}{(1+\frac{r}{100})^2}\) + \(\frac{Installment}{(1+\frac{r}{100})^3}\) + ---- + \(\frac{Installment}{(1+\frac{r}{100})^n}\)

Calculation:

Let the installment be Y

⇒ Principal = \(\frac{Y}{(1+\frac{r}{100})}\) + \(\frac{Y}{(1+\frac{r}{100})^2}\)

⇒ 30,240 = \(\frac{Y}{(1+\frac{10}{100})}\) + \(\frac{Y}{(1+\frac{10}{100})^2}\)

⇒ 30,240 = \(\frac{Y}{(\frac{11}{10})}\) + \(\frac{Y}{(\frac{11}{10})^2}\)

⇒  30,240 = Y × \(\frac{10}{11}\) + Y × \(\frac{100}{121}\)

⇒  30,240 = Y × \(\frac{210}{121}\)

Y = 17,424

Total amount repaid by Rashid = 17,424 × 2 = Rs 34,848

Interest paid = 34,848 - 30,240 = Rs 4,608

∴ The interest paid by Rashid is Rs 4,608.

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