The All India Debt and Indebtedness Survey (AIDIS) 2019, conducted by the National Statistical Office (NSO), reported that 40.3% of cultivator households in rural India were indebted as of June 30, 2018. This figure reflects the significant reliance of rural agricultural households on credit, often due to irregular income, high input costs, and limited access to formal banking. The other options (28.2%, 20.6%, 22.4%) do not match the survey’s findings, making option (1) correct.