(c) Well-off households
Wait — according to the textbook (Graph 2), rich households take 83% of their loans from the formal sector, the highest among all groups.
Answer: (d) Rich households
Graph 2 in Chapter 3 clearly states that 83% of loans taken by rich urban households are from the formal sector — the highest percentage among all four groups (poor, few assets, well-off, rich). Students often confuse "well-off" with "rich," but the textbook distinguishes them as separate categories, with rich households having the greatest formal sector share.