The correct option is D Both a and c
Best way is to go through options
20 + 16 + 12 = 48,
hence number of terms = 3
Again 20 + 16 + 12 + 8 + 4 + 0 + (-4) + (-8) = 48
hence number of terms = 8
Thus choice (d) is most appropriate answer.
Alternatively
Sn=48=n2[2×20+(n−1)(−4)]⇒96=40n−4n2+4n⇒n2−11n+24=0⇒(n−8)(n−3)=0⇒n=8 or n=3
Hence (d) is the correct answer.