Explanation:

- Option 1: Liability

- Liabilities refer to things the bank owes. Deposits by customers are a liability for banks, but here we're focusing on deposits banks make to the RBI, not what they owe to others.

- Option 2: Loans

- Loans are funds that banks lend to individuals or businesses. This isn't the case here, as we're talking about deposits kept with the RBI.

- Option 3: Inheritance

- Inheritance involves assets passed down from one generation to another. It’s unrelated to banking deposits.

- Option 4: Reserves

- Reserves are the deposits that commercial banks keep with the Reserve Bank of India (RBI) to maintain liquidity and stability. This is the correct term for the deposits in question.