Ramlal is quite parsimonious by nature.

cruel
miserly
prodigal
haughty

The correct answer is B. Ramlal is quite parsimonious by nature. This means that he is very careful with his money and does not like to spend it. He may be seen as being cheap or stingy, but he is simply trying to save his money.

Option A, cruel, is incorrect because it does not describe Ramlal’s personality. He is not mean or hurtful to others.

Option C, prodigal, is incorrect because it describes someone who spends money freely. Ramlal is the opposite of this; he is careful with his money.

Option D, haughty, is incorrect because it describes someone who is proud and arrogant. Ramlal is not proud or arrogant; he is simply careful with his money.