(4)(a)After the principal of the advance has been fully repaid, interest shall be paid thereon at the rate of one-fifth per cent of the principal for each month or broken portion of a month during the period of drawal and complete repayment of the principal.(b)Interest shall ordinarily be recovered in one instalment in the month after complete repayment of the principal, but if the period referred to in clause (a) exceeds twenty months, interest may, if the subscriber so desire, be recovered in two equal monthly instalments. The method of recovery shall be that provided in sub-rule (2), payment shall be rounded to the nearest whole rupees (fifty paise being rounded to the next higher rupee).
