Section 257(1) in The Navy (Pay And Allowances) Regulations, 1966
(1)The amount of advance shall he recovered in monthly instalments of one-twenty fifth of such amount or at one-tenth of the monthly emoluments of the sailor whichever is less, commencing from the first month's pay after the receipt of the advance; but the sanctioning authority may permit the recovery to be made in lesser number of instalments if the sailor so desires.
