Concept:This is a present value of an annuity due problem where payments start today.Explanation:The annuity gives Rs. 10,000 at the beginning of each year for 5 years.The first payment today is worth Rs. 10,000 in present value.The remaining 4 payments form an ordinary annuity of 4 years at 10%.Given P(4,0.10)=3.16987, the present value of those 4 payments is 10,000×3.16987=31,698.70.Total present value = 10,000+31,698.70=41,698.70.Answer:Rs. 41,698.70