Contra-flexure refers to a beam reversing its curvature from sagging (concave up) to hogging (concave down), or vice versa, somewhere along its span, typically in overhanging or continuous beams.
Picture the bending moment diagram as a continuous curve along the beam's length; wherever this curve crosses the horizontal (zero) axis, going from above it to below it (or the reverse), that crossing point is where curvature reverses.
Therefore, the correct answer is point where bending moment is zero but also changes sign from positive to negative.
A steel wire of $20$ mm diameter is bent into a circular shape of $10$ m radius. If modulus of elasticity of wire is $2\times10^{5}\ \text{N/mm}^2$, then the maximum bending stress induced in wire is: