Annual investment ( a = 5000 ), ( i = 0.05 ), ( n = 20 ).

[ S = 5000 \cdot \frac{(1.05)^{20} - 1}{0.05}. ]

[ (1.05)^{20} \approx 2.6532977, ]

[ S = 5000 \cdot \frac{2.6532977 - 1}{0.05} = 5000 \cdot \frac{1.6532977}{0.05} = 5000 \times 33.065954 = 165329.77. ]

Answer: Rs. 165329.77 (approx.)