Neha takes a loan at 20% p.a. with interest being compounded annually. The loan is to be repaid in ten equal annual instalments of Rs.7,200 each. After paying the eighth instalment (at the end of the eighth year), the rate of interest was reduced to 10% for the ninth and tenth years. Now, if Neha wants to repay the remaining loan (along with the interest) in a single payment at the end of the ninth year, what is the amount that she must pay?