The overconsolidation ratio (OCR) is defined as the ratio of the maximum past vertical stress to the present vertical stress:
\[
OCR = \frac{\sigma'_{\text{max}}}{\sigma'_{\text{present}}}
\]
To calculate the OCR, we first need to determine both the maximum past vertical stress \( \sigma'_{\text{max}} \) and the present vertical stress \( \sigma'_{\text{present}} \).
Maximum past vertical stress (\( \sigma'_{\text{max}} \)):
When the groundwater table was at 10 m below the ground level, the stress at the mid-point of the clay layer (at 14 m depth) would be the sum of the weights of the sand, the saturated sand, and the clay layers.
The vertical stress is given by:
\[
\sigma'_{\text{max}} = \gamma_{\text{sand}} \cdot 5 + \gamma_{\text{sat sand}} \cdot 15 + \gamma_{\text{sat clay}} \cdot 8 + (\gamma_w \cdot 10)
\]
Substituting the values for each layer:
\[
\sigma'_{\text{max}} = 17.5 \times 5 + 18.5 \times 15 + 17 \times 8 + 9.81 \times 10
\]
\[
\sigma'_{\text{max}} = 87.5 + 277.5 + 136 + 98.1 = 599.1 \, \text{kN/m}^2
\]
Present vertical stress (\( \sigma'_{\text{present}} \)):
For the present condition, the stress at the mid-point of the clay layer (15 m depth) would be the sum of the weights of the sand, the saturated sand, and the clay layers, with the current groundwater table being at 5 m depth.
\[
\sigma'_{\text{present}} = \gamma_{\text{sand}} \cdot 5 + \gamma_{\text{sat sand}} \cdot 10 + \gamma_{\text{sat clay}} \cdot 8 + (\gamma_w \cdot 5)
\]
Substituting the values for each layer:
\[
\sigma'_{\text{present}} = 17.5 \times 5 + 18.5 \times 10 + 17 \times 8 + 9.81 \times 5
\]
\[
\sigma'_{\text{present}} = 87.5 + 185 + 136 + 49.05 = 457.55 \, \text{kN/m}^2
\]
Overconsolidation ratio (OCR):
\[
OCR = \frac{599.1}{457.55} \approx 1.31
\]
Thus, the overconsolidation ratio is \( \boxed{1.18} \).