Section 12 in Gauhati University Loans and Advances Rules, 1959
12.
Repayment of the advance shall commence from the fourth issue of pay after the first instalment is taken. The amount of the monthly instalment should be so fixed as to enable recovery of the full amount of the advance with interest thereon within ten years from the date of drawing the first instalment or before termination of service of the employment concerned whichever is earlier.
