If a sum of ₹1,00,000 is to be paid back in two equal annual instalments at 2\(\frac 3 4\) percent compound interest per annum in case of annual compounding, then what is the value of each installment? (Rounded off to nearest integral value)

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SSC GD Constable (2022) Official Paper (Held On : 27 Jan 2023 Shift 1)
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  1. Rs. 52,072
  2. Rs. 53,072
  3. Rs. 50,072
  4. Rs. 51,072

Answer (Detailed Solution Below)

Option 1 : Rs. 52,072
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Detailed Solution

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Given:

Principal sum = ₹1,00,000

Rate of interest = 2.75%

Compound interest and annual compounding.

Concept:

For repayment in two equal annual instalments, each instalment consists of principal as well as interest. For the first instalment, the interest is calculated

for one year, while of the second instalment, it is calculated for two years.

Calculation:

Let P be the value of each instalment.

⇒ According to the concept, we have:

⇒ 100000 = P/(1 + 0.0275) + P/(1 + 0.0275)2

⇒ 100000 = P/(1.0275) + P/(1.0275)2

⇒ 2.0275P = 100000 × (1.0275)2

⇒ P = 100000 × (1.0275)2/2.0275

⇒ P = Rs. 52072

Therefore, the value of each installment is Rs. 52,072.

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