Let's say there are x DRAM chips, each with 2^12 rows and refresh operation takes 20nsec.
So to perform refresh on 1 DRAM chip it would take 2^12*20 nsec = 81.92usec and one more thing to notice here is that the refresh operation for one row on all chips can be performed simultaneously..
Refresh operation on first row of all chips can be done in 20usec[0-20] and on second row of all chips can be done 20sec[20-40] and so on..