The dashed frame shows a clock as Meena sees it in a mirror. What is the actual time?

The real time and the mirror time always add up to 11:60 (twelve hours). The image reads 3:20, so the actual time is $11:60-3:20=8:40$. 9:40 forgets to borrow, 3:20 is the image itself, and 8:20 flips only the hour hand.