A person P purchases a washing machine for Rs.22,000 cash or for Rs.9,000 cash down payment and two monthly instalments of Rs.8,000 each. The rate of the simple interest is:

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  1. 215%
  2. 240% 
  3. 250%
  4. 200%

Answer (Detailed Solution Below)

Option 4 : 200%
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Given:

Cash price of washing machine = ₹22,000

Cash down payment = ₹9,000

2 monthly instalments of ₹8,000 each

Formula used:

Simple Interest (SI) = \(\frac{P \times R \times T}{100}\)

Calculations:

Balance after down payment = 22000 - 9000 = ₹13,000

Total instalment amount = 8000 + 8000 = ₹16,000

Interest paid = 16000 - 13000 = ₹3,000

1st instalment paid after 1 month on ₹13,000

Remaining after 1st payment = 13000 - 8000 = ₹5,000

2nd instalment paid after 1 month on ₹5,000

Total principal for SI calculation = ₹13,000 for 1 month + ₹5,000 for 1 month = ₹18,000 for 1 month

Time (T) = 1 month = 1/12 years

⇒ 3000 = (18000 × R × 1/12) ÷ 100

⇒ 3000 = (18000 × R) ÷ 1200

⇒ 3000 × 1200 = 18000 × R

⇒ 3600000 = 18000 × R

⇒ R = 3600000 ÷ 18000 = 200

∴ Rate of simple interest = 200% per annum

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