1.

B
Solution:
On SI, Rate for 3 years=3*10=30%
On CI rate for 3 years – 10%=1/10
10—–11
10—–11
10—–11
1000—-1331
=1331-1000/1000 *100=33.1%
Difference=33.1-30=3.1%
3.1%=930
100%=Rs 30,000
2. C
Solution:
a————————b—————c
5000—————– X ————16200
———–t——————- t ————
As we have to calculate the sum for half time, both time
period is same, and hence
a:b = b:c
5000:x = x:16200
x=Rs 9000
3. A
Solution:
In C.I P increases like
P——-2P——–4P———8P——–16P
 —-3yrs—–3yrs—–3yrs——-3yrs
total=3+3+3+3=12 years
4. D
Solution:
At 10% CI in 2 years=21 %
At 20% Ci in 2 years =44%
and 5350 is 107/4% of 20000, by using allegation
A B
21 44
107/4
3 1
A=3/4*20000= Rs 15000
5. B
Solution:
SI for 2 years = Rs 1000 =.> Si 1 year = Rs 500
In the second years Rs 25 is added in CI (1025-1000)
which is 5% of 500
Hence R=5%
5%=500
100%=10000
sum=10000
CI for 3 years= RS 1576.25
6. C
Solution:
SI=A-P=> A=3P as sum triples
SI=3P-P=2P in 6 years
In 19 times SI=18 P—54 years (2:6 hence 18=54)
7. A
Solution:
Sum=353; Amount=512
 as many year, put that many root i.e
cuberoot(343): cuberoot(512)
7:8
rate=(8-7)/7 *100 =14 (2/7)%
8. B
Solution:
In half yearly=> Time-double; Rate= half
Rate=5% ; Time=4 years; Sum = Rs 20,000
1 years————–2 years————3 years———-4
years
1000—————–1000—————1000————-1000
————————50——————50—————–50
———————————————50—————–50
———————————————2.5—————-50
—————————————————————–2.5
—————————————————————–2.5
—————————————————————–2.5
—————————————————————-0.125
Total = Rs 4000 +300 + 10+0.125= Rs 4310.125
9. C
Solution:
Formula= x/(1+R/100)^T
x/ (1+20/100)^1 + x/(1+20/100)^2 = 6600
solve and get x=4320
10. B
Solution:
Sum= A
Interest= B
A——–A———A
———-B———B
 ———————B
———————C
CI for 3 years=3A+3B+C
SI for 3 years =3A
Diff= 3B+cCI for 2 years=2A+B
SI for 2 years=2A
diff=B
ratio=(3B+C)/B=31/10
B=10; C=1
Rate=C/B=1/10=10%
11. C
Explanation:
S.I.=1000∗10∗4/100=400C.I.=[1000(1+10/100)4−1000
]=464.10S.I.=1000∗10∗4100=400C.I.=[1000(1+10/100)
4−1000]=464.10

So difference between simple interest and compound

interest will be 464.10 - 400 = 64.10
12. C
Please remember, when we have to calculate C.I.
quarterly then we apply following formula if n is the
number of years

Amount=P(1+R/4/100)4n

Principal = Rs.16,000;
Time=9 months = 3 quarters;
Rate = 20%, it will be 20/4 = 5%
 So lets solve this question now,

Amount=16000(1+5100)3=18522C.I=18522−16000=2
522
13. B
Explanation:
Amount=[7500×(1+4/100)2]=(7500×26/25×26/25)=8
112Amount=[7500×(1+4/100)2]=(7500×26/25×26/25
)=8112

So compound interest = (8112 - 7500) = 612

14. B
Explanation:
Let the Sum be P
S.I.=P∗4∗2/100=2P/25
C.I.=P(1+4/100)2−P=676P/625−P=51P/625As, C.I. - S.I
= 1=> 51P/625−2P/25=1 =>51P−50P/625=1
P=625
15. B
In this type of question we apply formula
Amount=P/(1+R/100)n Amount=169/(1+4/100)2
Amount=169∗25∗25/26∗26 Amount=156.25
16. B
C.I.=(4000×(1+10/100)2−4000)=4000∗11/10∗11/10−
4000=840 So S.I. = 8402=420 So Sum
= S.I.∗100/R∗T= 420∗100/3∗8 =Rs1750
17. B
Explanation:
Principal = Rs.1000;
Amount = Rs.1331;
Rate = Rs.10%p.a.

Let the time be n years then,

1000(1+10/100)n=1331
(11/10)n=1331/1000
(11/10)3=1331/1000

So answer is 3 years

18.C
Explanation :
P*(1+5/100)^4 – P – P*(10/100)*2 = 248.10
P = 16000
19. A
Explanation :
240 = P*(5/100)*2, P = 2400
CI = 2400(1+5/100)^2 – 2400 = 246
So, 246 – 240 = 6
20. C
Explanation :
Amount >= P*(1+25/100)^n
Amount = p*(5/4) ^n
For n = 4, (625/256) which is greater than 2.
21. B
Explanation :
Let the share of rakesh and prakash be R and P
R*(1+10/100)^ 5 = (4420 – R)*(1+10/100)^ 7
We get R = 2420, so P = 2000
22. C
Explanation :
600 = p*4*(15/100), P = 1000
CI = 1000(1+10/100)^ 2 – 1000 = 210
23. B
Explanation :
Take principal as 100 and then calculate,
A = 100*(1+5/100)^ 2
A = 110.25
So effective rate is 10.25
24. C
Explanation :
Rate of interest is 25 paise per rupee per annum.
So for 100 rupees it is 2500 paise i.e. 25 percent
Now, CI = 3200(1+25/100)^ 2 – 3200 = 1800
25. B
Explanation :
3600 = 3000*(1+15/100)^ 3
(1+15/100)^ 3 = 6/5
Amount = 3000*[(1+15/100)^ 3]^ 3
Amount = 3000*(6/5)^ 3 = 5184
26. A
Explanation :
Total amount = 500*(1+10/100)^ 3 + 500*(1+10/100)^ 2 +
500*(1+10/100)
= 1820.5
27. D
Explanation :
Amount to be paid at the end of three years =
10000*(1+20/100)^ 3 = 17280
Amount paid as instalment by the man = 2000*(1+20/100)^
2 + 2000*(1+20/100) + 2000 = 7280
So remaining amount = 10000
28. C
Explanation :
10*3*x/5*2*y = 1/2
x/y = 1/6
6/7*70000 = 60000
29. D
Explanation :
In S.I,
Let P=100, I=50, T=5 yrs
R = 50*100/100*5 = 10%
In C.I,
P = 12000, T=3 yrs, R= 10%
C.I = [12000*(1 + 10/100)^3 – 1 ] C.I = 3972.
30. C
Explanation :
SI=20*2=40%
CI=20+20+(400/100)=44%
Diff = 44-40=4%
31. C
Explanation :
After one year amount = 3000 *110/100 = 3300
He pays 1000 back, so remaining = 3300-1000 = 2300
After two year amount = 2300 *110/100 = 2530
He pays 1000 back, so remaining = 2530-1000 = 1530
After three year amount = 1530*110/100 = 1683
He pays 1000 back, so remaining = 1683-1000= 683
After fouth year = 683 * 110/100 = 751.3
32. D
Explanation :
800*(11/10)³=1064.8
800*(11/10)²=968
800*(11/10)=880
Total amount =2912.8
33. C
Explanation :
SI =300
Per yr = 100
Rate = 10%
C.I = 1000*(108/100)³ -1000
C.I = 259.712
34. D
Explanation :
Difference = Pr2/(100)2
= (450×100×100)/(P×r2)
P is not given
35. D
Explanation :
A = 6000*108/100*107/100*106/100
= 6000*1.08*1.07*1.06
= 7349.616 = 7350
CI = 7350-6000 = 1350
36. B
Explanation :
D =[(30,000 *110/100*110/100) – 30,000] – 30,000
*10*2/100
=[36300-30000]- 6000
=6300 – 6000
D = 300
37. C
Explanation :
4500*3/100(R1-R2) = 405
R1-R2 = 405*100/13500 = 3%
38. D
Let the amount invested in scheme B is ₹ x.

∴ Amount invested in scheme A be ₹ (23000 – x).

According to the question,

(23000 – x) × 20 × 1 10 1
(23000 – x) + = x + x(1 + ) –x
100 100

6 11x
⇒ (23000 – x) × =
5 10

⇒ 11x = 276000 – 12x

⇒ 23x = 276000

⇒ x = 12000

Hence, option D is correct.

39. C
Let the amount taken from Suresh is x and amount taken 18x
from Raj = 25

18x 43x
Amount taken from Akash = 32500 – x – = 32500 –
25 25
Total interest he gives -

18x 43x
( ) × 12 (32500 – ) × 16
25 25 x × 18
⇒ + + = 5090 (Given)
100 100 100

216x – 688x + 450x = 12725000 – 13000000

22x = 275000

x = 12500

Amount taken from Akash

12500
= 32500 – 43 × = 32500 – 21500 = Rs.11000
25

Hence, option (C) is correct.

40. A
Bede has Rs 90000 with him after paying 25% as gift tax.

Amount
Interest Tax
Invested
Year
90000 9000 1800
1
Year
97200 9720 1944
2
Year
104976 10497.60 2099.52
3
Year 113374.08 11337.408 2267.4816
 4

So, Bede has Rs. (113374.08 + 11337.408 – 2267.4816) = Rs.

122444 at the end of 4th year.

Hence, option (A) is correct.

41. A
Suppose the person has deposited Rs. X at the time of
opening account.

After one year, he had

x × 10 × 1 11x
Rs.(x + ) = Rs.
100 10

After two years, he had

11x 11x 10 × 1 121x
Rs.( + × )=
10 10 100 100

121x
After withdrawing Rs 5000 from Rs. , the balance
100

121x – 500000
= Rs.
100

After 3 years, he had

121x – 500000 121x – 500000 10 × 1
+ ×
100 100 100

= 11(121x – 500000)
 1000
After withdrawing 6000 from above, the balance
1331x
= Rs.( – 11500)
1000

After 4 years, he had

11 1331x
Rs. ( – 11500) – 10000 = 0
10 1000

⇒ Rs 15470

Hence, option (A) is correct.

42. D
Let x = equal instalment at the end of each year

Now 1st year,

P = Rs. 1100

1100 × 20 × 1
Interest at the end of 1st year = = Rs. 220
100

Now, at the beginning of 2nd year,

P = Rs. (1100 + 220 – x) = Rs. (1320 – x)

Interest at the end of 2nd year

(1320 – x) × 20 × 1 x
= = 264 –
100 5
Now amount remaining after 2 years
x
= (1320 – x) + (264 – ) – x = 0
5

x
⇒ 2x + = 1320 + 264
5

11x
⇒ = 1584
5

⇒ X = 720

Hence, option (D) is correct.

43. A
We know that

SI × 100
Rate =
Principal × Time

7770 × 100
= = 14% per annum
18500 × 3

We know the formula for compound interest -

r t
⇒ CI = [P{(1 + ) – 1}]
100

Where,

CI = Compound interest
P = Principal

R = Rate of interest

T = Time period

14 3
= 18500[(1 + ) – 1] = 18500 [(1.14)3 –1]
100

⇒ 18500 × 0.481544 = Rs 8908.56

Hence, option (A) is correct.

44. D
CI for 2 years 6 months at the rate of 6, applying the net%
effect for first 2 years

6×6
=6+6+ = 12.36%
100

6
Rate of interest for 6 months = × 6 = 3%
12

12.36 ×
For next 6 months = 12.36 = 15.36 + 0.37% =
3
+3+ 15.73%
100

Here, we can see that in 2 years 6 months the given

compound rate of interest is approximate 15.73%.
 115.73 × 250000
Now, 115.73% of 250000 = = 289,325.
100

Hence, option D is correct.

45. E
Approach I: To solve this question, we can apply the net %
effect formula

xy
x+y+ %
100
Compounded annually at rate 20% per annum for 2 years,
we get
20 × 20
= 20 + 20 + = 44%
100

Similarly, compounded half yearly at rate 10%, we get

10 × 10
= 10 + 10 + = 21%
100

21 × 10
And, 21 + 10 + = 33.1%
100

33.1 × 10
And, 33.1 + 10 + = 46.41%
100

Now as per the question,

Difference between compound interest yearly and half

yearly = 46.41 – 44 = 2.41%
Given, 2.41% ≡ 482
100% ≡ x
482 × 100
⇒x= = 20,000
2.41

Approach II:

When compounded annually, the amount received at the end

of the period is

r n
A = P[1 + ]
100

When compounded half yearly, the amount received at the

end of the period is
r/2 2n
A = P[1 + ]
100

Let the principle be P.

Interest on this amount when compounded annually at the

rate of 20% per annum = P [(1.20)2 − 1]
Interest on this amount when compounded half yearly = P
[(1.10)4 − 1]

The difference between the two is Rs. 482

∴ P [(1.10)4 − 1] – P [(1.20)2 −1] = 482

∴ P [1.4641 – 1.44] = 482

∴ P = Rs. 20,000

Hence, option E is correct

46. D
Total Income = 67,280

After giving 50% salary to his wife the man is left with an
amount = 33,640

Let's assume the man gave Rs. x to A. Therefore B will get Rs.
(33640 – x).

33640
14 years A↙ ↘12 years B
x (33640 – x)

Now, as per the question A & B will be getting an equal

amount with CI at 5% rate per year at the 18th year.

5 4 5 6
⇒ x(1 + ) = (33640 – x)[1+ ]
100 100

5 6
(1 + )
x 100
⇒ =
(33640 – x) 5 4
(1 + )
100

⇒ x = (21 × 21)
 (33640 – x) 20 20

⇒ 400 x = 33640 × 441 – 441x

⇒ 841x = 33640 × 441

33640 × 441
x= = 40 × 441 = 17640/-
841

Therefore, at the time of divison of money, B would have got

a sum = (33640 – 17640) = Rs. 16000

Hence, option D is correct.

47. C
Lets first calculate the total rate % that Aditya will have after
3 years:

As per the question Aditya invested at rate of 12% pa simple

interst

So, for 3 years tenure he will get = 12 × 3 = 36%

And the amount that Bhushan invested at rate of 10% pa

compound interest

By net% effect formula, we can calculate the total perecntage

for 3 years tenure = 33.1% (sub details)

So, the difference between SI and CI = 36% – 33.1% = 2.9%

(SI is more)
Here Aditya will get, 2.9% of 10000 = 290

So Aditya will have Rs. 290 more than Bhushan.

------------------------------------------------------------------------------
---
Sub-details:-

xy
Net% effect = x + y = %
100

For the first 2 years: Here, x = y = 10%

10 × 10
= 10 + 10 = = 21%
100

And for the next year: Here x = 21% and y = 10%

21 × 10
= 21 + 10 = = 33.1%
100

Hence, option C is correct.

48. B
Let the each instalment be x.

x x
+ = 9960
15 15 2
(1 + ) (1 + )
2 × 100 2 × 100

x + x = 9960
 3 3 2
(1 + ) (1 + )
40 40

40 x 1600 x
⇒ + = 9960
43 1849

1720 x + 1600 x
⇒ = 9960
1849
⇒ 3320 x = 9960 × 1849 ⇒ x = Rs. 5547

Hence, option B is correct.

49. A
Let the amount invested in scheme A is 2 × 50 = 100, the
amount invested in scheme B is 5 × 50 = 250

30 2
Interest from scheme A = 100 × (1 + )
100

= 169 – 100 = Rs.69

Interest from scheme B = 250 × 15% × 2

= Rs.75

Difference between interest = 75 – 69 = Rs.6

If the difference is Rs.6., investment in scheme B = Rs.250

so the difference is Rs.1080 .,

250
investment in scheme B =Rs. × 1080. = Rs.45000
6

Hence, option A is correct.

50. B
According to the question,

12 2
A(1 + ) – A = (A + 1500) × 8% × 3
100

112 112 24
A× × –A=A× + 360
100 100 100

12544 24
A× –A–A× = 360
10000 100

12544A – 10000A – 2400A

= 360
10000

144A = 3600000

A = 25000

Amount invested by Reet = Rs 25000

Hence, option B is correct.

51. A
Explanation:

For 1st year S.I =C.I.

Thus, Rs.16 is the S.I. on S.I. for 1 year, which at 8% is thus

Rs.200

i.e S.I on the principal for 1 year is Rs.200

Principle = Rs.100*2008*1Rs.100*2008*1 = Rs.2500

Amount for 2 years, compounded half-yearly
Rs.[2500*(1+4100)4]=Rs.2924.4Rs.2500*1+41004=Rs.292
4.4
C.I = Rs.424.64
Also, S.I=Rs.(2500*8*2100)=Rs.400S.I=Rs.2500*8*2100=Rs.
400
Hence, [(C.I) - (S.I)] = Rs. (424.64 - 400) = Rs.24.64

52. B
Explanation:

Compound Interest on P at 10% for 2 years when interest is

compounded half-yearly
=P(1+R2100/)2T−P=P(1+120)4−P=P(2120)4−PP1+R21002
T-P=P1+1204-P=P21204-P
Simple Interest on P at 10% for 2 years
= PRT100=P×10×2100=P5PRT100=P×10×2100=P5
Given that difference between compound interest and
simple interest = 124.05
P*(2120)4−P−P5=124.05P*21204-P-P5=124.05
=>P[(2120)4−1−15]=124.05P21204-1-15=124.05
P=8000
53. B
Explanation:

Explanation:Let rate = R% and time = R years.

Then, (1200*R*R100)=4321200*R*R100=432
12R2=43212R2=432
=>R2=36⇔R=6
54. B
Explanation:
difference in C.I and S.I in 2years =Rs.32
S.I for 1year =Rs.400
S.I for Rs.400 for one year =Rs.32
rate=[100*32)/(400*1)%=8%
difference between in C.I and S.I for 3rd year
=S.I on Rs.832= Rs.(832*8*1)/100=Rs.66.56
55. B
Explanation:
Difference in C.I and S.I for 2 years
= Rs(696.30-660)
=Rs. 36.30.
S.I for one years = Rs330.
S.I on Rs.330 for 1 year =Rs. 36.30
Rate
= (100x36.30/330x1)%
= 11%
56.B
Explanation:
The population grew from 3600 to 4800 in 3 years. That is a
growth of 1200 on 3600 during three year span.
Therefore, the rate of growth for three years has been
constant.
The rate of growth during the next three years will also be
the same.
Therefore, the population will grow from 4800
by 4800*134800*13= 1600
Hence, the population three years from now will be 4800 +
1600 = 6400
57. A
5% is the rate of interest. 20% of the interest amount is paid
as tax.
i.e 80% of the interest amount stays back.

if we compute the rate of interest as 80% of 5% = 4% p.a.,

we will get the same value.
The interest accrued for 3 years in compound interest = 3 x
simple interest on principal + 3 x interest on simple interest
+ 1 x interest on interest on interest.
= 3 x (200) + 3 x (8) + 1 x 0.32 =600 + 24 + 0.32 = 624.32
The amount at the end of 3 years = 5000 + 624.32 = 5624.32
58. B
Explanation:
Let the sum be Rs. P.
Then,[p(1+10/100)2-p]=525
Sum =Rs.2500
S.I.= Rs.(2500*5*4)/100= Rs. 500
59. C
Explanation:
Shyam's share * (1+0.05)9 = Ram's share * (1 + 0.05)11
Shyam's share / Ram's share = (1 + 0.05)11 / (1+ 0.05)9 =
(1+ 0.05)2 = 441/400
Therefore Shyam's share = (441/841) * 5887 = 3087
60. A
Explanation:
Let the two parts be Rs. x and Rs. (1301 - x).
x(1+4100)7=(1301−x)(1+4100)9x1+41007=1301-
x1+41009
x(1301−x)=(1+4100)2=(2625*2526)x1301-
x=1+41002=2625*2526
=> 625x=676(1301-x)
1301x=676 x 1301x=676.
So,the parts are rs.676 and rs.(1301-676)i.e rs.676 and
rs.625
61. C
Explanation:
C.I.= Rs.[4000*(1+10/100)^2-4000]
=Rs.840
sum=Rs.(420 * 100)/3*8=Rs.1750
62. C
Explanation:
The mathematical formula for calculating compound interest
depends on several factors. These factors include the
amount of money deposited called the principal, the annual
interest rate (in decimal form), the number of times the
money is compounded per year, and the number of years the
money is left in the bank.
FV=p(1+rn)ntFV=p1+rnnt
 FV = Future value of the Deposit
p = Principal or Amount of Money deposited
r = Annual Interest Rate (in decimal form )
n = No of times compounded per year
t = time in years
FV=4000[1+0.064]4(5)FV=40001+0.0644(5)= 5387.42
63. D
Explanation:
Shawn received an extra amount of (Rs.605 – Rs.550) Rs.55
on his compound interest paying bond as the interest that he
received in the first year also earned interest in the second
year.
The extra interest earned on the compound interest bond =
Rs.55
The interest for the first year =550/2 = Rs.275
Therefore, the rate of interest =55275*10055275*100=
20% p.a.
20% interest means that Shawn received 20% of the
amount he invested in the bonds as interest.
If 20% of his investment in one of the bonds = Rs.275, then
his total investment in each of the bonds
=27520*10027520*100 = 1375.
As he invested equal sums in both the bonds, his total
savings before investing = 2 x 1375 =Rs.2750.
64. A
65. A
Explanation:
FV = $1000(1.04)(1.045)(1.05)(1.055)(1.06) = $1276.14
the maturity value of the regular GIC is
FV = $ 1000 x (1.05)51.055= $1276.28
66. A
Explanation:
Given compound interest for 3 years = Rs. 1513.2
and simple interest for 5 years = Rs. 2400
Now, we know that C.I = [P(1+R100)n − 1]P1+R100n - 1
=> 1513.2 = [P(1+R100)3 − 1]P1+R1003 - 1 ...........(A)
And S.I = PTR/100
=> 2400 = P5R/100 ..................(B)
By solving (A) & (B), we get
R = 5%.
67. C
Explanation:
Diff = 960-800 = 160
r = 2*Diff*100/SI
So r = 2*160*100/800 = 40%
Now 160 = Pr2/1002
68. D
Explanation:
6000[1 + r/100]3 = 7200
So [1 + r/100]3 = 6/5
So 6000[1 + r/100]9 = 6000*(6/5)*(6/5)*(6/5)
69. E
Explanation:
Amount after 1 yr = 4000[1 + 8/100] = 4320
Paid 500, so P = 4320 – 500 = 3820
Amount after 2nd yr = 3820[1 + 8/100] = 4125.6
So P= 4125.6-500 = 3625.6
Amount after 3rd yr = 3625.6[1 + 8/100] = 3915.6
70. B
Explanation:
P[1 + (r/2)/100]4 – P[1 + r/100]2 = 482
P[1 + 10/100]4 – P[1 + 20/100]2 = 482
Solve, P = 20,000
71. B
Explanation:
Difference in interest for both yrs = 172.8 – 160 = 12.8
So (r/100)*160 = 12.8
72. A
Explanation:
P[1 + r/100]3 = 37,044, and P[1 + r/100]2 = 35,280
Divide both equations, [1 + r/100] = 37044/35280 = 21/20
So P[21/20]2 = 35280
73. A
Explanation:
[P[1 + 5/100]3 – P] – P*4*4/100 = 76
P [9261/8000 – 1 – 16/100] = 76
74. C
Explanation:
Difference in 3 yrs = Pr2(300+r)/1003
Difference in 2 yrs = Pr2/1002
So Pr2(300+r)/1003 / Pr2/1002 = 35/11 (300+r)/100 =
35/11
75. D
Explanation:
P = 882/[1 + 5/100] + 882/[1 + 5/100]2
76. B
Explanation:
A’s share = (1 + 4/100)7
B’s share = (1 + 4/100)9
Divide both, B/A = (1 + 4/100)2 = 676/625
So A’s share = 625/(676+625) * 3903
77.B
Explanation:
Let the sum be Rs. P
P{ (1+8100)2- 1 } = 2828.80
It is in the form of a2-b2 = (a+b)(a-b)
P(8/100)(2 + 8/100) = 2828.80
P = 2828.80 / (0.08)(2.08)
= 1360/0.08 = 17000
Principal + Interest = Rs. 19828.80
78. C
Explanation:
C.I. =Rs[4000x(1+10/100)²-4000]
Rs.(4000x11/10x11/10-4000) = Rs.940.
Sum
=Rs. [420 *100 /3 * 8]= Rs.1750.
79. A
Explanation:
Let the sum be Rs.x. Then,
[x(1+10100)2-x]=1155
⇒x[(1110)2-1]=1155
=> x =5500
sum = Rs. 5500. So, S.I = Rs. (5500×5×4100) = 1100
80. B
Let the sum(principal) received by A and B are x and y.

(1+r) = =
Then, =

Hence, the ratio in which the sum is divided =121:100

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