The explanation for each of the options is as follows:

Option 1 states that milk contains none of the B-vitamins. This is incorrect and hence the correct answer to the question. In reality, milk is a good source of several B-vitamins, including B2 and B12.

Option 2 states that Vitamin-A (retinal) deficiency leads to dry and scaly skin. This is correct. Vitamin A plays a critical role in maintaining healthy skin and a deficiency can indeed result in dry and scaly skin as one of its symptoms.

Option 3 suggests that one of the symptoms of scurvy is pain in the joints. This is also correct. Scurvy is caused by a deficiency of vitamin C, and joint pain is a recognized symptom of this disease.

Option 4 indicates that Vitamin B1 (thiamine) deficiency can lead to heart failure. This is accurate. Severe thiamine deficiency can cause beriberi, a disease whose symptoms can include heart failure among other problems.

Overall, Option 1 is not correct.