Its very simple We know that 1year =4quarters. 20 quarters = 5 years. ( 20÷4). Interest on 3,00,000 for 1 year @ 12% = Rs.36000. Interest on 3,00,000 for 1quarter = 9,000 ( 36000÷ 4). In the same way u can calculate interest on the remaining 19 quarters.Interest on 3,00,000 for 5 years = interest on 3,00,000 for 20 quarters.

Loan Repayment Calculation:

To calculate the repayment of a bank loan amount, we need to consider the loan amount, the number of installments, and the annual interest rate. In this case, the loan amount is $300,000, the number of installments is 20, and the annual interest rate is 12%.

Calculating Quarterly Interest Rate:

Since the installments are made quarterly, we need to calculate the quarterly interest rate. We can do this by dividing the annual interest rate by the number of installments per year. In this case, the quarterly interest rate would be 12% / 4 = 3%.

Calculating Installment Amount:

To calculate the installment amount, we can use the formula for calculating the installment of a loan:

Installment = Loan Amount / Discount Factor

The discount factor can be calculated using the formula:

Discount Factor = (1 - (1 + r)^(-n)) / r

Where:
- r is the quarterly interest rate (as a decimal)
- n is the total number of installments

In this case, r = 3% (0.03) and n = 20.

Calculating Discount Factor:

Substituting the values into the formula, we get:

Discount Factor = (1 - (1 + 0.03)^(-20)) / 0.03

Solving this equation, we find the discount factor to be approximately 14.877.

Calculating Installment Amount:

Now, we can calculate the installment amount:

Installment = Loan Amount / Discount Factor

Installment = $300,000 / 14.877

Installment ≈ $20,158.02

Conclusion:

Therefore, the installment amount for repaying a bank loan amount of $300,000 in 20 quarterly installments with an annual interest rate of 12% would be approximately $20,158.02.