With reference to RTGS (Real Time Gross Settlement) and NEFT (National Electronic Funds Transfer), consider the following statements:

1. RTGS settles transactions individually and immediately, while NEFT settles in half-hourly batches.

2. Banks are permitted to levy charges on customers for inward NEFT/RTGS transactions.

3. NEFT operates only during limited banking hours, unlike RTGS which is available 24x7.

Which of the statements given above is/are correct?