Which of the following guidelines are correctly stated as per IRACP norms for UCBs?
1. Housing loans to staff members are classified as NPAs only when there is a default in repayment of principal or interest on the due date.
2. Loans guaranteed by the Central Government are exempt from NPA classification, regardless of overdue status.
3. Advances guaranteed by State Governments are subject to classification norms after being overdue for more than 90 days.
1
1 and 2 only
2
2 and 3 only
3
1 and 3 only
4
All of the above
5
None of the above