The two kinds of loans offered by Asian Development Ban

The two kinds of loans offered by Asian Development Bank are Ordinary Capital Resources (OCR) and Asian Development Fund (ADF). Out of them, India started borrowing from ADB through the OCR route since 1986. So far, India has opted out for the soft loan facility of the ADF route.
Which among the following is the most correct reason for India, opting out of the ADF facility of ADB?

[A] India is not in need of the Soft Loans from ADB because India already gets Soft Loans from World Bank
[B] India is NOT eligible for Soft Loans from Asian Development Bank
[C] India has consciously decided to opt out from the ADF because India is a Lender in this facility
[D] India has consciously decided to opt out from the ADF because thus India allows the Least Developed Countries to avail this facility.

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