Which of the following is/are true about the penalties imposed by RBI on various financial institutions?

  1. NDX P2P Private Limited was fined for failing to disclose borrower details.
  2. The penalties reflect deficiencies in regulatory compliance.
  3. These penalties affect the validity of the companies' transactions with customers.

1
1 and 2
2
2
3
2 and 3
4
1 and 3
5
1, 2, and 3

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