Answer : 4. "फिक्की"
Explanation :

Bharat Bill Payments (BBPS), a platform created by the National Payments Corporation of India (NPCI) to digitize the country's large utility bill payments market, is increasingly being used to make loan payments and repay credit card dues. Just as utility bills are generated every month for consumers, EMIs (equated monthly installments) for borrowers are generated on a specific date every month. The customer can use any of the payment methods to repay the outstanding EMIs and this is where the BBPS platform is fast emerging as a popular tool.