Comprehension Passage

R, S, and M were carrying on business in partnership sharing profits in the ratio 3:2:1, respectively. On March 31, 2017, the Balance Sheet of the firm stood as follows:
Balance Sheet as on March 31, 2017

Liabilities Amount (Rs.)
Sundry Creditors 16,000
Capitals:  
R 20,000
S 7,500
M 12,500
Total 56,000
Assets Amount (Rs.)
Building 23,000
Debtors 7,000
Stock 12,000
Patents 8,000
Bank 6,000
Total 56,000

Shyam retired on the above mentioned date on the following terms:
(a) Buildings to be appreciated by Rs. 8,800.
(b) Provision for doubtful debts to be made @ 5% on debtors.
(c) Goodwill of the firm to be valued at Rs. 9,000.
(d) Rs. 5,000 to be paid to S immediately and the balance due to him to be treated as a loan carrying interest @ 6% per annum.

Given the interest on loan due to S at 6% per annum, how should the loan be accounted for after Shyam’s retirement if Rs. 5,000 is paid immediately and the balance is treated as a loan?

1
The entire loan amount is adjusted against capital
2
The loan balance will accrue interest, but it will not be reflected in the final balance sheet
3
The loan balance is treated as a liability with 6% interest
4
The balance is transferred to the creditors’ account

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