The correct answer is option 5, i.e., 'FY18 deposits fell below pre-demonetisation levels, savers halved deposits to ?4.7 lakh cr. but added the same SUM in currency.'

The passage TALKS about how the data presented in RBI’s latest Annual Report is HIDING discrepancies like in FY18 the deposits fell below pre-demonetisation levels, savers halved their deposited money and many households went right back to hoarding cash in their mattresses.

Option 1, i.e., 'Data presented in RBI’s latest Annual Report showing that households sharply raised their financial savings in FY18 is cause for celebration.' does make an aspect of the passage but does not revolve around it entirely and is therefore rejected.

Option 2, i.e., 'The government needs more resources and industry for FY18.' is a completely out of CONTEXT sentence and is therefore rejected.

Option 3, i.e., 'While banks were losers, market-linked products reaped a bonanza. ‘Shares and debentures’, a category of financial savings, saw a significant JUMP in FY18.' gets rejected for the same reason option 1 got rejected.

Option 4, i.e., 'The proportion of disposable income that went into bank deposits plummeted from 6.3% to 2.9% in FY18.' also gets rejected for the reason option 1 got rejected.

The only option that conveys the theme of the passage is option 5, making it the correct answer.