Section 233(2) in The Navy (Pay And Allowances) Regulations, 1966
(2)The said advance shall be recovered in full from the first month's pay of the recruit. Where the pay due to a recruit for the first month is less than the amount of advance, the balance shall be recovered in full from the pay for the following month.In the event of a recruit deserting or becoming non-effective before earning sufficient pay to cover the advance, the amount remaining unrecovered shall be written off.