Step 1: Formula for modular ratio.
In working stress method, the modular ratio is given by:
\[
m = \frac{280}{3 \sigma_{cbc}}
\] Step 2: Permissible stress for M20 concrete.
For M20 concrete, permissible compressive stress in bending is:
\[
\sigma_{cbc} = 7 \text{ N/mm}^2
\] Step 3: Substitute the value.
\[
m = \frac{280}{3 \times 7} = \frac{280}{21} = 13.33
\] Step 4: Conclusion.
Thus, the modular ratio to be used is approximately 13.3.