for i in {1..5}
do
cd dir$i

 for k in {1..10}
 do
  mkdir temp$k
  for j in {1..10}
   do 
    cd $j 
     cp test.txt ../temp$k/$j.txt.dir$i
    cd ..
   done
  done

  echo "done with 1 to 10"

## then repeat from "mkdir..." for {20..30} and so on...
# each mkdir for {10..20} or {20..30}... would be different, such as temp2...

cd ..
done