Step 1: Think about who gained.
A common criticism of the early Indian plans is who benefited. Heavy industry and city based growth was favoured, while villages and farmers got less.
Step 2: Test each option against this.
An option that talks about a city focus fits the criticism. An option that describes a later policy or a neutral fact does not.
Step 3: Reject the later policy.
Option 4 is about green revolution investment, which came in the late 1960s after the plan and was a change of course, not a criticism of it.
Step 4: Reject the loosely linked options.
Options 1 and 2 talk about food shortage and foreign exchange spending. These are effects or means, not the standard charge made against the direction of the plan.
Step 5: Select the fit.
Option 3 states the city bias charge directly, so it is the answer.
Final Answer:
The charge of urban bias fits option 3.
\[ \boxed{\text{Option 3}} \]