Ram takes a loan of Rs$.10,00,000$ at $12\%$ interest rate. The loan is to be repaid in equal installments starting $1$ year from now. Ram plans to repay the loan within $10$ years from now.

a$)$ Calculate the equal value of the payments.

b$)$ Due to financial constraints, ram was not able to pay the installment on the $3$rd year. Calculate the new equal installments to be paid to complete the loan within the same timeline as before. Draw a cash flow diagram.