VAM is
a)	Symbiotic bacteria	b)	Saprophytic bacteria
c)	Saprophytic fungi	d)	Symbiotic fungi

(d)

The symbiotic relationship between fungal hyhae and root of higher plant is known as mycorrhiza.

Endomycorrhiza (also called VAM) occurring in about 80% of vascular plants. In this association the penetrating hyphae form finely branched haustorial branches or coils vesicles.