India's foreign-exchange reserves consist of various components that bolster the country's financial stability and ability to meet international obligations. The correct option includes foreign-currency assets, which provide liquidity and stability; gold holdings of the Reserve Bank of India (RBI), serving as a hedge against inflation and currency fluctuations; and Special Drawing Rights (SDRs) from the International Monetary Fund, offering additional financial resources. Understanding these components is crucial for candidates as they reflect the broader framework of India’s monetary policy and international trade dynamics, both pivotal themes in UPSC Prelims GS Paper I.