Explanation:

Let’s break this down:

- The National Backward Classes Finance & Development Corporation (NBCFDC) gives loans to people from backward classes for starting businesses, small farms, or other self-employment.

- But there’s a family income ceiling—if your family's annual income is above the limit, you’re not eligible.

- Here’s what each option means:

- Option 1: Rs. 2.5 Lakhs – Used to be the old cutoff for many government schemes but that's outdated now.

- Option 2: Rs. 3 Lakhs – You picked this, and a few schemes in the past did have this ceiling.

- Option 3: Rs. 4 Lakhs – Some states and updated schemes bumped it a bit higher, but not NBCFDC’s standard.

- Option 4: Rs. 5 Lakhs – This is the *current* national income ceiling for most NBCFDC schemes after revision in recent years.

- Option 5: Rs. 6 Lakhs – Some schemes for specific categories reach this high, but it’s not the main NBCFDC limit for small loans.

Correct answer: Option 4, Rs. 5 Lakhs

This is the actual income limit set by NBCFDC to avail benefits under its small loan schemes for individuals, especially small farmers.