(C) Both poor households and households with few assets
As shown in Graph 2, poor households (54%) and households with few assets both depend more on informal sources of credit compared to well-off or rich households.
The passage (Graph 2 description) explicitly groups urban households from poor to rich and shows that the lower two groups — poor households and households with few assets — rely significantly on informal credit. Rich and well-off households predominantly use formal sources. Option (D) is incorrect as well-off households lean toward formal credit.