The correct choice is (a) \(γ_r=\frac{η_2-η_1}{η_2+η_1} \)
The best I can explain: The reflection factor is given by the ratio of Reflected wave to incident wave.
\(ρ=\frac{reflected\, wave}{incident\, wave}=\frac{E_r}{E_i} \)
Reflection coefficient of plane waves with normal incidence in terms of impedances of medium is \(γ_r=\frac{η_2-η_1}{η_2+η_1} \)