Staggered borrowings at 7.75% — compute total due: A man borrows ₹ 12000 for 4 years at 7.75% per annum simple interest. One year later, he borrows another ₹ 12000 for 3 years at the same rate. How much must he pay in total at the end to settle both loans?

Introduction / Context:
With simple interest and staggered start times, compute the amount due on each borrowing separately and add them at the common settlement date.

Given Data / Assumptions:

• First loan: ₹ 12000 for 4 years at 7.75% p.a.
• Second loan: ₹ 12000 for 3 years at 7.75% p.a. (taken a year later)
• Simple interest in both cases

Concept / Approach:
Amount A = P + P * r * t / 100. Compute for each loan and sum: A_total = A1 + A2.

Step-by-Step Solution:
I1 = 12000 * 7.75 * 4 / 100 = 12000 * 0.31 = ₹ 3720 → A1 = 12000 + 3720 = ₹ 15720I2 = 12000 * 7.75 * 3 / 100 = 12000 * 0.2325 = ₹ 2790 → A2 = 12000 + 2790 = ₹ 14790Total due = 15720 + 14790 = ₹ 30510

Verification / Alternative check:
Since the settlement is at the end of 4 years for the first loan and 3 years for the second, simple addition suffices (no compounding assumed).

Why Other Options Are Wrong:
They reflect arithmetic slips or mixing in compounding, which is not applicable here.

Common Pitfalls:
Using one common time for both loans or applying compound interest instead of simple interest.

Final Answer:
₹ 30510