Section 249(i) in The Navy (Pay And Allowances) Regulations, 1966
(i)From officers serving on permanent engagements - The recovery shall be effected in seventy instalments. However, recovery of the advance from an officer who is due to retire within six years from the first issue of pay after the drawal of advance by him shall be made in such number of instalments as would enable recovery of the advance and interest thereon being completed by the time of issue of the last pay to him before retirement.
