You want to note down something, and as is the case often, you just can't find your pen. You probably came to office without it. So you think of asking the person next to you for a pen. You ask:
-
Are you having a pen?
-
Pen
-
Do you have a pen?
-
A pen is there with you?
C
Correct answer
Explanation
Native speakers use 'Do you have a pen?' to ask about possession. 'Are you having a pen' (present continuous) is unnatural. 'Pen' is too abrupt. 'A pen is there with you' is grammatically awkward and sounds like non-native speech.