The general equation of the ellipse is:
\[
\frac{x^2}{25} + \frac{y^2}{16} = 1
\]
The equation of a chord with midpoint \( (x_1, y_1) \) can be written as:
\[
T = S_1
\]
where \( T \) is the equation of the chord and \( S_1 \) is the value of the ellipse equation at the midpoint.
For the given ellipse, the midpoint is \( (3, 1) \), so we substitute \( x_1 = 3 \) and \( y_1 = 1 \) into the equation of the ellipse:
\[
S_1 = \frac{3^2}{25} + \frac{1^2}{16} = \frac{9}{25} + \frac{1}{16}
\]
Now, find the least common denominator:
\[
S_1 = \frac{144}{400} + \frac{25}{400} = \frac{169}{400}
\]
Thus, the equation of the chord is:
\[
T = \frac{x^2}{25} + \frac{y^2}{16} - \frac{169}{400} = 0
\]
Multiply through by 400 to eliminate the denominator:
\[
16x^2 + 25y^2 - 169 = 0
\]
Thus, the equation of the chord is:
\[
48x + 25y - 169 = 0
\]