The correct answer is C. Hamirpur.
The urban female literacy rate in Hamirpur is 75.4%, which is the lowest among the four districts mentioned in the question. The urban female literacy rate in Kangra is 80.5%, the urban female literacy rate in Shimla is 82.2%, and the urban female literacy rate in Bilaspur is 81.2%.
The urban female literacy rate is the percentage of women aged 15 and above who can read and write with understanding. It is an important indicator of the status of women in a society. A high urban female literacy rate indicates that women are more likely to be educated, which can lead to improved health, economic opportunities, and social participation.
There are a number of factors that can contribute to a low urban female literacy rate. These include poverty, lack of access to education, gender discrimination, and social norms that discourage girls from attending school.
There are a number of things that can be done to improve the urban female literacy rate. These include providing free and compulsory education for girls, promoting gender equality, and challenging social norms that discourage girls from attending school.