Pawan invested Rs. 16,400 in each of the two schemes A and B. A offers compound interest (compounded annually) and scheme B offers simple interest. In both the schemes he invested for two years and the rates of interest of both the schemes are equal. If the interest earned by him from scheme A is Rs.236.16 more than the interest earned by him from scheme B, what is the rate of interest (pcpa) of both the schemes?