6.6 Time & Work, Speed-Time-Distance, Simple & Compound Interest

Key Takeaways

  • Time and Work problems are solved using the LCM efficiency method, where Total Work equals $\text{LCM}(t_1, t_2, \dots)$ and individual daily efficiencies are summed: $\text{Time Together} = \frac{\text{Total Work}}{\sum E_i}$.
  • The universal Chain Rule formula $\frac{M_1 D_1 H_1 E_1}{W_1} = \frac{M_2 D_2 H_2 E_2}{W_2}$ reconciles multi-parameter variations in personnel, daily operating hours, efficiency, and project output.
  • Speed conversions require multiplying $\text{km/h}$ by $\frac{5}{18}$ to obtain $\text{m/s}$ (and $\text{m/s} \times \frac{18}{5}$ for $\text{km/h}$); average speed over equal distances equals $\frac{2xy}{x+y}$.
  • Relative speed equals $s_1 + s_2$ when two moving bodies travel in opposite directions and $|s_1 - s_2|$ when traveling in the same direction; boats moving downstream have speed $u+v$, and upstream $u-v$.
  • Simple interest ($SI = \frac{PRT}{100}$) accrues linearly, while compound interest ($A = P(1 + \frac{R}{100})^T$) compounds exponentially; the difference between CI and SI for $2$ years is $P(\frac{R}{100})^2$.
Last updated: August 2026

Time & Work, Speed-Time-Distance, Simple & Compound Interest

Quick Answer: Arithmetic aptitude in Paper 1 relies on structured algebraic formulas. Solve Time and Work via the LCM efficiency method (Total Work $= \text{LCM}$, Time $= \text{Work}/\sum \text{Efficiencies}$) and the Chain Rule: $\frac{M_1 D_1 H_1}{W_1} = \frac{M_2 D_2 H_2}{W_2}$. For Speed-Time-Distance, convert $\text{km/h} \times \frac{5}{18} = \text{m/s}$, apply average speed $\frac{2xy}{x+y}$, and combine train/platform lengths. For Interest, $SI = \frac{PRT}{100}$, $CI = P(1 + \frac{R}{100})^T - P$, and the $2$-year difference between CI and SI is $P(\frac{R}{100})^2$.


1. Time and Work: The LCM / Efficiency Framework

While the unitary method solves work problems via fractions, the LCM (Total Work) Method avoids fractional addition, accelerating speed and accuracy.

The LCM Efficiency Method Steps

  1. Define Total Work: Let Total Work equal the $\text{LCM}$ of the individual completion times.
  2. Compute Individual Daily Efficiencies ($E$): Efficiency (E)=Total WorkTime Taken\text{Efficiency } (E) = \frac{\text{Total Work}}{\text{Time Taken}}
  3. Combine Efficiencies: Add efficiencies for collaborative work; subtract efficiency for negative work (leaks/drainage).
  4. Calculate Time Taken: Time Taken=Total WorkCombined Efficiency\text{Time Taken} = \frac{\text{Total Work}}{\text{Combined Efficiency}}
WorkerTime Taken ($T$)Total Work (LCM)Daily Efficiency ($E = W/T$)
Worker A$12\text{ days}$$\text{LCM}(12, 15, 20) = 60\text{ units}$$60 / 12 = 5\text{ units/day}$
Worker B$15\text{ days}$$60\text{ units}$$60 / 15 = 4\text{ units/day}$
Worker C$20\text{ days}$$60\text{ units}$$60 / 20 = 3\text{ units/day}$
A + B + C Together$60\text{ units}$$5 + 4 + 3 = 12\text{ units/day}$

Time for A, B, C Together=60 units12 units/day=5 days\text{Time for A, B, C Together} = \frac{60\text{ units}}{12\text{ units/day}} = 5\text{ days}

Two-Worker Algebraic Shortcut

If $A$ takes $x$ days and $B$ takes $y$ days:

Time Together=x×yx+y\text{Time Together} = \frac{x \times y}{x + y}

The Multi-Variable Chain Rule (Man-Days-Hours Formula)

To resolve scenarios involving changing workforce sizes, daily operating hours, differing efficiencies, and varied work quotas:

M1×D1×H1×E1W1=M2×D2×H2×E2W2\frac{M_1 \times D_1 \times H_1 \times E_1}{W_1} = \frac{M_2 \times D_2 \times H_2 \times E_2}{W_2}

  • $M = \text{Number of workers}$
  • $D = \text{Number of working days}$
  • $H = \text{Working hours per day}$
  • $E = \text{Efficiency factor of workers}$
  • $W = \text{Quantum of work produced (e.g., metres of wall, units manufactured, wages earned)}$

Pipes and Cisterns

  • Inlet Pipe ($A$): Fills tank $\implies$ Positive Efficiency ($+E_A$).
  • Outlet / Drainage Pipe / Leak ($B$): Empties tank $\implies$ Negative Efficiency ($-E_B$).
  • Net Filling Rate: $E_{\text{net}} = E_{\text{inlet}} - E_{\text{outlet}}$.
  • If an inlet fills a tank in $x$ hours and an outlet empties it in $y$ hours ($y > x$): Net Time to Fill=x×yyx\text{Net Time to Fill} = \frac{x \times y}{y - x}

2. Speed, Time, and Distance Mastery

Unit Conversions and Basic Relations

Distance (D)=Speed (S)×Time (T)\text{Distance } (D) = \text{Speed } (S) \times \text{Time } (T) Speed in m/s=Speed in km/h×518\text{Speed in m/s} = \text{Speed in km/h} \times \frac{5}{18} Speed in km/h=Speed in m/s×185\text{Speed in km/h} = \text{Speed in m/s} \times \frac{18}{5}

Average Speed Formulations

  • General Definition: $\text{Average Speed} = \frac{\text{Total Distance Travelled}}{\text{Total Time Taken}}$.
  • Equal Distance Traveled at Two Different Speeds ($x$ and $y$): Average Speed=2xyx+y\text{Average Speed} = \frac{2xy}{x + y}
  • Equal Distance Traveled at Three Different Speeds ($x, y, z$): Average Speed=3xyzxy+yz+zx\text{Average Speed} = \frac{3xyz}{xy + yz + zx}

Relative Speed Principles

  • Opposite Directions (Moving toward or away from each other): Relative Speed=S1+S2\text{Relative Speed} = S_1 + S_2
  • Same Direction (One pursuing the other): Relative Speed=S1S2\text{Relative Speed} = |S_1 - S_2|
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Train Motion and Collision Distance Formulations

Train Physics and Distance Rules

ScenarioDistance Traversed ($D$)Relative Speed ($S$)Time Taken ($T$)
Train crossing stationary point (Pole/Tree/Man)$L_{\text{train}}$$S_{\text{train}}$$T = \frac{L_{\text{train}}}{S_{\text{train}}}$
Train crossing Platform / Bridge / Tunnel$L_{\text{train}} + L_{\text{platform}}$$S_{\text{train}}$$T = \frac{L_{\text{train}} + L_{\text{platform}}}{S_{\text{train}}}$
Two trains crossing in Opposite Directions$L_1 + L_2$$S_1 + S_2$$T = \frac{L_1 + L_2}{S_1 + S_2}$
Two trains crossing in Same Direction$L_1 + L_2$$S_1 - S_2$$T = \frac{L_1 + L_2}{S_1 - S_2}$

Boats and Streams Vector Mechanics

Let the speed of a boat in still water be $u\text{ km/h}$, and the speed of the water stream/current be $v\text{ km/h}$:

  • Downstream Speed ($D$): Moving with the current: $D = u + v$.
  • Upstream Speed ($U$): Moving against the current: $U = u - v$.
  • Speed of Boat in Still Water ($u$): u=D+U2u = \frac{D + U}{2}
  • Speed of Stream / Current ($v$): v=DU2v = \frac{D - U}{2}

3. Simple and Compound Interest Formulations

Simple Interest (SI)

Simple interest accrues linearly exclusively on the initial principal $P$:

SI=P×R×T100SI = \frac{P \times R \times T}{100} Total Amount (A)=P+SI=P(1+R×T100)\text{Total Amount } (A) = P + SI = P\left(1 + \frac{R \times T}{100}\right)

  • Rule of Doubling in SI: If a sum of money doubles itself in $T$ years, then $R = \frac{100}{T}%$.
  • Rule of $n$-times in SI: If a sum becomes $n$ times itself in $T$ years, $(n - 1) = \frac{R \times T}{100}$.

Compound Interest (CI)

Compound interest accrues on both the principal and previously accumulated interest:

Total Amount (A)=P(1+R100)T\text{Total Amount } (A) = P\left(1 + \frac{R}{100}\right)^T CI=AP=P[(1+R100)T1]CI = A - P = P\left[\left(1 + \frac{R}{100}\right)^T - 1\right]

Compounding Frequencies Adjustment Table

Compounding FrequencyEffective Rate ($R'$)Number of Periods ($T'$)Amount Formula ($A$)
Annually$R$$T$$A = P\left(1 + \frac{R}{100}\right)^T$
Semi-Annually (Half-Yearly)$R / 2$$2T$$A = P\left(1 + \frac{R/2}{100}\right)^{2T}$
Quarterly$R / 4$$4T$$A = P\left(1 + \frac{R/4}{100}\right)^{4T}$
Monthly$R / 12$$12T$$A = P\left(1 + \frac{R/12}{100}\right)^{12T}$

Difference Between CI and SI Theorems

For a principal sum $P$ invested at annual rate $R%$:

  1. Difference for 2 Years ($D_2$): D2=CI2SI2=P(R100)2=PR210000D_2 = CI_2 - SI_2 = P\left(\frac{R}{100}\right)^2 = \frac{P R^2}{10000}
  2. Difference for 3 Years ($D_3$): D3=CI3SI3=P(R100)2(3+R100)=PR2(300+R)106D_3 = CI_3 - SI_3 = P\left(\frac{R}{100}\right)^2 \left(3 + \frac{R}{100}\right) = \frac{P R^2 (300 + R)}{10^6}
  • Worked Example: Find the difference between CI and SI on ₹$10,000$ for $2$ years at $8%$ per annum. D2=10000×(8100)2=10000×6410000=64D_2 = 10000 \times \left(\frac{8}{100}\right)^2 = 10000 \times \frac{64}{10000} = 64 The calculated difference is ₹$64$.
Test Your Knowledge

A can complete a software research project in 12 days, and B can complete the same project in 18 days. They begin working together, but A leaves the project 2 days before its completion. What is the total number of days taken to complete the entire project?

A
B
C
D
Test Your Knowledge

A train 240 metres long is moving at a uniform speed of 72 km/h. How many seconds will it take for the train to completely cross a railway platform 360 metres in length?

A
B
C
D
Test Your Knowledge

A motorized survey boat travels 24 km downstream in 2 hours and covers the same distance upstream in 4 hours. What is the speed of the boat in still water and the speed of the river current?

A
B
C
D
Test Your Knowledge

The difference between the Compound Interest (compounded annually) and Simple Interest on a certain sum of money for 2 years at an annual interest rate of 10% is ₹150. What is the principal sum invested?

A
B
C
D