Banking · Retail Assets and Operations

Examine the statements regarding urban housing policy, asset valuation methods, insurance distribution frameworks, and credit card product matrices in standard retail banking operations: Statement 1: PMAY Urban 2.0 incorporates the Interest Subsidy Scheme (ISS) for families with annual income up to 9 lakh, providing a 4% subsidy on loans up to 25 lakh. Statement 2: Retail asset valuation under the Market Approach utilizes the Comparable Sales Method, where proximity premiums apply, and disputed titles halt lending. Statement 3: PMJJBY's annual premium of 436 rupees includes specific allocations for insurer premium, bank administration, and agent commissions with an embedded grace period rule. Statement 4: The 4 Ps of Marketing in digital banking adapt to integrate Convenience and Value, mapping features like interest-free periods to Product and fees to Price. Which of the above statements are correct?