Economics · Banking Regulations

A Small Finance Bank (SFB) is evaluating its Priority Sector Lending (PSL) compliance. Analyze the following statements based on RBI guidelines and MSME definitions: Statement I: A Micro Enterprise is defined as an enterprise with an investment up to INR 2.5 Crore and an annual turnover up to INR 10 Crore. Statement II: The mandatory PSL sub-target for Micro Enterprises is set at 7.5 percent of the bank's Adjusted Net Bank Credit (ANBC) or CEOBE (whichever is higher). Statement III: Loans up to INR 30 Crore to borrowers for setting up solar power projects/CBG units are eligible under Renewable Energy for PSL. Statement IV: Loans for Social Infrastructure, such as schools and hospitals, have separate overall maximum credit limits per borrower for PSL classification. Statement V: The PSL sub-target for Small and Marginal Farmers (SMFs) is mandated to be 10 percent of ANBC or CEOBE (whichever is higher). Statement VI: For a borrower to be classified as a Small Farmer, the land holding must be more than 1 hectare and up to 2 hectares. Statement VII: Loans given to an MSME unit continue to be eligible for PSL classification for a period of up to three years after it grows out of its defined category. Which combination of statements represents the generally accurate structural regulatory options provided?