Correct answer is (b) 48%
To elaborate: The ripple factor ϒ= [(IRMS/IAVG)^2 – 1]^1/2. IRMS =Im /√2=Vm/(Rf+RL)√2=200/1.01=198.
(Secondary line to line voltage is 800/2=400. Due to centre tap Vm=400/2=200)
IRMS=198/√2=140mA, IAVG=2*198/π=126mA. ϒ=[(140/126)^2-1]^1/2=0.48. So, ϒ=48%.