Explanation:

- Agriculture and allied sector: This sector can contribute to NPAs, but historically, the impact is not as significant as others.

- Industrial sector: Often sees large loans, and thus has a higher risk of turning into NPAs. Economic downturns can heavily affect this sector.

- Infrastructure sector: Known for large-scale projects with long gestation periods, making it prone to delays and financial strain, leading to NPAs.

- Information technology sector: Generally less associated with high NPAs due to its relatively fast returns and global demand.

Option:1 – Includes agriculture, which is not a major recent contributor.

Option:2 – Includes industrial and infrastructure sectors, both significant contributors.

Option:3 – Includes sectors with generally low NPA impact.

Option:4 – All sectors included, but IT is less relevant here.