Regarding the disclosure requirements for Regional Rural Banks (RRBs) as per the Reserve Bank of India (RBI) directions effective from April 1, 2026, which of the following statements is/are correct? 1. RRBs are required to explicitly report both current and previous year's deposit insurance premiums paid in their financial statements. 2. These disclosure instructions are issued under the legal authority provided by the Reserve Bank of India Act, 1934. 3. Financial statements must clearly disclose any pending arrears and specific delays regarding the payment of deposit insurance premiums. Select the correct option:

Regarding the internal governance and financial reconciliation protocols mandated by the RBI's digital fraud compensation guidelines, which of the following combinations accurately describes the oversight requirements for banks and the specific mechanism for handling compensation if stolen funds are subsequently recovered?

Based on the Draft Amendment Directions for the NBFC Regulatory Framework, 2026, which of the following statements regarding the classification and deregistration of Non-Banking Financial Companies (NBFCs) is/are correct? 1. NBFCs with an asset size of less than ₹1,000 crore that do not avail of public funds and lack a customer interface are exempted from registration under Section 45IA of the RBI Act, 1934, and are classified as 'Unregistered Type I NBFCs'. 2. NBFCs with an asset size of ₹1,000 crore or above, even if they strictly do not access public funds and lack a customer interface, must mandatorily register as Type II NBFCs. 3. If an NBFC intends to access public funds or maintain a customer interface, it must register as a Type II NBFC, and existing eligible NBFCs can apply for deregistration via the PRAVAAH portal by September 30, 2026.