The average monthly expenditure of a family was ₹8,600

Expenditure for first 3 months = $ 8600 \times 3 = 25800 $
Expenditure for next 4 months = $ 9750 \times 4 = 39000 $
Expenditure for last 5 months = $ 9920 \times 5 = 49600 $
Total expenditure in 12 months = 25800 + 39000 + 49600 = 114400
Total savings in the year = 65300
Total income in the year = Expenditure + Savings
Total income = 114400 + 65300 = 179700
Average monthly income = $ \frac{179700}{12} = 14975 $
Answer = 14975