polar is nothing but having a pair of equal & opposite charges
how to determined if the molecule is polar or non polar in the question ?
if the electro negativities of the two atoms has a difference of 0.3 or less then the bond is non polar
if the electronegativities of the two atoms has a difference of greater than 0.3 or less than 0.7 then the bond is polar
if the two values have a greater than 1.7 than the bond is ionic which is very very polar
apply above concept to the question out of three option CHCl3 is more polar