To calculate the total deposits made by commercial banks, we need to account for the cash reserve ratio (CRR). The cash reserve ratio is the portion of deposits that banks are required to hold in reserve and not lend out. The total deposits in the banking system are a multiple of the primary deposit, which is the initial deposit made by a customer.

Here's the reason for the calculation:

1. Primary Deposit: The primary deposit is 20 Crores, as given in the question.

2. Cash Reserve Ratio (CRR): The CRR is 20%. This means that banks are required to hold 20% of the primary deposit in reserve. The remaining 80% can be used to create loans and generate additional deposits through the lending process.

3. Total Deposits: To find the total deposits made by commercial banks, we need to account for the fact that only 80% of the primary deposit can be used for lending and creating additional deposits. Therefore, we divide the primary deposit by (1 - CRR) to find the total deposits.

Calculation:
Total Deposits = Primary Deposit / (1 - CRR)
Total Deposits = 20 Crores / (1 - 0.20)
Total Deposits = 20 Crores / 0.80
Total Deposits = 25 Crores

The correct answer is option (4) 100 Crores.