Ravi took a loan from HDBC Bank for his 2-year MBA program at IIM. He took the loan of ₹6 lakh such that he would be charged at 8% per annum compound interest during his program and at 10% per annum compound interest after completion of course. He returned half of the amount which he had to pay on the completion of his program and remaining after 2 years. What is the total amount returned by Ravi?