Section 243(1)(a) in The Navy (Pay And Allowances) Regulations, 1966
(a)From officers holding permanent commission. - In [1/100th for the first occasion and "1/75 for the second occasion] [Substitued by S.R.O. 132, dated 9th May, 1989] part of the amount advanced. Provided that the recovery of the advance from an officer who is due to retire within 5 or 6 years, as the case may be. From the first issue of pay after the drawal of the advance by him, will be made in such number of instalments as would enable recovery of the advance and interest thereon being completed by the time of the issue of the last pay to him before retirement.