Mr. Vineeth has taken a certain amount of loan today, planning to repay with 20 annual payments of INR 75600 each with the repayment starting 10 years from the date of the loan. If the applicable rate of interest during the first 15 years is 8.6% per annum and thereafter 10% per annum calculate the amount that Mr. Vineeth has taken as the loan.

(Please show the working)