How to use a select tag with the selected option in the controller in codeignator?

I am using Codeigniter, In the controller, I have a select tag something like

  $action='<select name="pp_fileStatus[]" class="form-control multipleselect wip_fileStatus" data-id="'.$row->bank_id.'">
           <option value="" disabled selected>File Status</option>
           <option value="1">Disbursed </option>
           <option value="2">Files sumitted </option>
           <option value="3">Pendency </option>
           <option value="4">Approved</option>
           <option value="5">Rejected</option>
           <option value="6">Dropped</option>
           </select>';

Now what I am doing is, I have to use if condition to show the selected option. so I tried something like

<option value="1"'if($row->status == "1"){ echo "selected"; }'>Disbursed </option>

but is showing wrong.

should I create something like this

$action='<select name="pp_fileStatus[]" class="form-control multipleselect wip_fileStatus" data-id="'.$row->bank_id.'">
<option value="" disabled selected>File Status</option>
<option value="1"';
 if($row->b_filestatus == "1"){ echo "selected"; }
 $action='>Disbursed </option>
 <!--more here-->

or is there any other way to use?