Answer : 3. "वित्त मंत्रालय"
Explanation :

Recently, officials reported a 6% Non Performing Assets (NPA) rate under the Emergency Credit Line Guarantee Scheme (ECLGS), launched by India in 2020 to aid businesses hit by Covid-19. The scheme, managed by the Ministry of Finance’s Department of Financial Services and National Credit Guarantee Trustee Company Ltd (NCGTC), provides 100% guaranteed coverage to lenders. Phases ECLGS 1.0 to 4.0 expanded its scope across sectors. Sanctions are based on borrower assessments, with no collateral or fees.