The difference between the compound interest, compounded annually and the simple interest if ₹17,700 is deposited at 4% rate of interest per annum for 2 years is:

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RRB NTPC Graduate Level CBT-I Official Paper (Held On: 06 Jun, 2025 Shift 1)
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  1.  ₹27.62
  2. ₹18.12
  3.  ₹28.32
  4. ₹33.42

Answer (Detailed Solution Below)

Option 3 :  ₹28.32
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Detailed Solution

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Given:

Principal (P) = ₹17,700

Rate of Interest (r) = 4% per annum

Time (t) = 2 years

Formula used:

Simple Interest (SI) = (P × r × t) / 100

Compound Interest (CI) = P × (1 + r/100)t - P

Difference between CI and SI = CI - SI

Calculations:

Simple Interest (SI):

SI = (17700 × 4 × 2) / 100

⇒ SI = (141600) / 100

⇒ SI = ₹1,416

Compound Interest (CI):

CI = 17700 × (1 + 4/100)2 - 17700

⇒ CI = 17700 × (1.04)2 - 17700

⇒ CI = 17700 × 1.0816 - 17700

⇒ CI = 19144.32 - 17700

⇒ CI = ₹1,444.32

Difference between CI and SI:

Difference = CI - SI

⇒ Difference = 1444.32 - 1416

⇒ Difference = ₹28.32

∴ The correct answer is option (3).

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