Q:

“What kind of scheme do you have?” Amit asked the insurance agent. 

• 1
  Amit asked the insurance agent what kind of scheme he/she is having
• 2
  Amit asked the insurance agent what kind of scheme he/she was having.
• 3
  Amit asked the insurance agent what kind of scheme he/she had.
• 4
  Amit asked the insurance agent what kind of scheme he/she has.