1. **Problem Statement:** Hawa took a personal loan of 18000 with a simple interest rate of 10% per annum on 20th August 2025. We need to find: i) The exact time from 20th August 2025 to 20th December 2025. ii) The amount to be paid using exact time with simple interest. iii) The amount of interest charged by the bank. 2. **Formula for Simple Interest:** $$SI = P \times r \times t$$ where $P$ is the principal, $r$ is the rate per annum (in decimal), and $t$ is the time in years. 3. **Step i) Calculate exact time $t$:** From 20th August to 20th December is 4 months. Number of days in each month: August (11 days from 20th to 31st), September (30 days), October (31 days), November (30 days), December (20 days). But since it is from 20th August to 20th December, it is exactly 4 months or $\frac{4}{12} = \frac{1}{3}$ years. 4. **Step ii) Calculate simple interest:** Principal $P = 18000$ Rate $r = 10\% = 0.10$ Time $t = \frac{1}{3}$ years $$SI = 18000 \times 0.10 \times \frac{1}{3} = 18000 \times 0.0333 = 600$$ 5. **Calculate total amount to be paid:** $$A = P + SI = 18000 + 600 = 18600$$ 6. **Step iii) Interest charged:** The interest charged by the bank is $600$. **Final answers:** - Exact time: $\frac{1}{3}$ years or 4 months - Amount to be paid: 18600 - Interest charged: 600