Sheela deposited Rs 20000 in a bank, where the interest is credited half-yearly.

Let the principal amount be $P=$ Rs. 20000 .

Annual rate of interest, $R=6 \%$

Rate of interest for half year $=3 \%$

Time, $n=1$ year $=2$ half years

Then the amount with the compound interest is given by

$A=\mathrm{P} \times\left(1+\frac{\mathrm{R}}{100}\right)^{\mathrm{n}}$

$=$ Rs. $20000 \times\left(1+\frac{3}{100}\right)^{2}$

$=$ Rs. $20000 \times\left(\frac{100+3}{100}\right)^{2}$

$=$ Rs. $20000 \times\left(\frac{103}{100}\right)^{2}$

$=$ Rs. $20000 \times\left(\frac{103}{100}\right) \times\left(\frac{103}{100}\right)$

$=$ Rs. $(2 \times 103 \times 103)$

$=$ Rs. 21218

Therefore, Sheela gets Rs. 21218 after 1 year.