Income, expenditure and savings ratio

Total annual savings = 1,32,000 $\implies$ Total monthly savings = $\frac{1,32,000}{12} = 11,000$. Ratio of monthly savings = $37 : 18 \implies$ Total parts = $37 + 18 = 55$. Value per part $k = \frac{11000}{55} = 200$. Savings of Amit = $37 \times 200 = 7400$, Savings of Bharat = $18 \times 200 = 3600$.

Let incomes be $5x$ and $4x$, and expenses be $19y$ and $21y$. $5x - 19y = 7400$ $4x - 21y = 3600$ Solving these equations yields $x = 3000$. Amit's monthly income = $5x = 5 \times 3000 = \text{Rs. } 15,000$.