For Scheme A (Simple Interest): Interest = P × R × T / 100 = 50,000 × 12 × 3 / 100 = ₹18,000. Amount from Scheme A = ₹50,000 + ₹18,000 = ₹68,000. For Scheme B (Compound Interest): Amount = P × (1 + R/100)^T = 40,000 × (1 + 15/100)^2 = 40,000 × (1.15)^2 = 40,000 × 1.3225 = ₹52,900. Total amount = ₹68,000 + ₹52,900 = ₹1,20,900. Correct option: c
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