बैंकिंग कानून के संबंध में निम्नलिखित कथनों को पढ़ें और सही संयोजन का चयन करें: (a) बैंक का ग्रहणाधिकार (Banker's Lien) एक अंतर्निहित गिरवी (Implied Pledge) है। (b) ग्रहणाधिकार का अधिकार और सेट-ऑफ का अधिकार एक ही खाते पर एक साथ लागू किया जा सकता है। (c) गिरवी के लिए माल की वास्तविक या रचनात्मक सुपुर्दगी आवश्यक है। (d) बंधक संपत्ति की बिक्री के लिए मुकदमा दायर करने की परिसीमा अवधि 30 वर्ष है।

A customer has a Savings Account with a credit balance of ₹85,000 and a Current Account with a debit balance of ₹1,20,000. The customer also holds a Fixed Deposit (FD) of ₹50,000 which matures in three months. If the bank receives a Garnishee Order for ₹1,00,000 and decides to exercise its Right of Set-Off first on all presently due and payable balances, what is the net available amount the bank will report to the court?

Consider the provisions regarding rights of recovery in banking: Statement 1: A Banker's General Lien under Section 171 of the Indian Contract Act 1872 acts as an implied pledge over bailed goods and securities. Statement 2: The Right of Set-Off is technically an accounting procedure to adjust mutual debts rather than a true lien, because a bank cannot hold a lien over its own debt (money deposited) to a customer. Statement 3: A Garnishee Order Nisi instantly changes the bank's relationship into an officer of the court for the entire balance. Which statement correctly identifies the technical legal distinction between a Lien and a Set-Off?