What annual instalment will discharge a debt of ₹ 10,192 due in 3 years at 10% simple interest?

Let the annual installment be $x$.
The total debt is to be cleared at the end of 3 years.

* The first installment is paid at the end of year 1, so it accumulates interest for $3-1=2$ years:

$${\text{Amount}}_1=x+\frac{x\times 10\times 2}{100}=1.2x$$

* The second installment is paid at the end of year 2, so it accumulates interest for $3-2=1$ year:

$${\text{Amount}}_2=x+\frac{x\times 10\times 1}{100}=1.1x$$

* The third installment is paid at the end of year 3, so it accumulates no interest:

$${\text{Amount}}_3=x$$

The sum of these settled values must equal the total accumulated debt at the end of 3 years:

$$1.2x+1.1x+x=10192$$

$$3.3x=10192$$

$$x=\frac{10192}{3.3}\approx 3088.48$$

Therefore, the annual installment is ₹ 3,088.48.