Step 1: Understand the question.
We must name the present Governor of the Reserve Bank of India, the RBI. This is a current-affairs question about who heads our central bank.
Step 2: Recall what the RBI Governor does.
The Governor is the top boss of the RBI. This person controls interest rates, watches inflation, and keeps the banking system stable. So it is a very important post.
Step 3: Look at the names given.
The options mix real and made-up looking names. We should match the post with the person who actually holds it now.
Step 4: Remember the recent change.
After the earlier Governor finished his term, a new person took charge of the RBI. The new Governor is Sanjay Malhotra.
Step 5: Rule out the wrong names.
R Subrahmanyam, Shantikala Das, and Sanjay Nigam do not match the current RBI Governor. Only one name fits the post.
Step 6: Match with the options.
The third option, Sanjay Malhotra, is correct.
\[ \boxed{\text{Sanjay Malhotra}} \]