Step 1: AIDIS 2019 headline figure for cultivator household indebtedness is widely cited as around 40 percent.
Step 2: Eliminate 20.6% and 22.4%, both too low for this headline figure.
Step 3: Eliminate 28.2%, also below the reported figure.
Step 4: 40.3% matches the AIDIS 2019 report, so the correct option is (1).