Explanation:

- KCC scheme (Option 1): The Kisan Credit Card (KCC) scheme aims to provide farmers with timely access to credit, primarily to help them meet their agricultural needs. It doesn't directly promote thrift.

- NABARD (Option 2): The National Bank for Agriculture and Rural Development (NABARD) supports various financial services in rural areas. Its primary role is in refinancing and overseeing rural development, not specifically promoting thrift.

- SHGs (Option 3): Correct Answer Self-Help Groups (SHGs) encourage saving habits and thrift among rural households by pooling their savings and providing loans internally within the group.

- Cooperative credit societies (Option 4): These societies provide credit facilities to their members but are more focused on lending rather than thrift promotion.

Thus, given your response, .