With reference to different Committees in India: 1) R.N. Malhotra Committee — Comprehensive reforms of Insurance sector, formed under IRDA. 2) L.C. Gupta Committee — Roadmap for derivatives trading, formed under SEBI. 3) Urjit R. Patel Committee — Roadmap for reforming bank lending to Housing sector, formed under RBI. 4) Y.H. Malegam Committee — Reforms in Microfinance sector, formed under RBI. In which of the above rows are all the details correctly matched? (UPSC CSP 2026)