Process-based explanation:
As percolating rainwater moves through a soil profile, it first strips (eluviates) the finest particles, mainly clay and silt, from the upper horizons, carrying them downward in suspension. Once this water reaches a horizon where flow slows, those fine particles are redeposited (illuviated), coarsening the horizon left behind at the top and enriching the horizon below. A soil profile shaped by this repeated eluviation-illuviation cycle, leaving a coarse, fine-particle-depleted zone above a clay-enriched zone, is termed a Karsi soil. None of saline soils, Regur or Kankar are defined by this specific particle-transport mechanism, so option 3 is correct.