(1) Any amount paid to a subscriber under Rule 9 shall be recovered from him as under -
(a) in not more than twenty-four instalments in case of advance up to three months' pay;
(b) in not more than thirty-six instalments in case of advance up to six months pay; and
(c) in forty-eight instalments in case of advance up to twelve months' pay by compulsory deductions from his pay and this shall be in addition to the subscription made by him under sub-rule (1) of Rule 4 :
Provided that a subscriber may at his option make repayments in less than twenty-four or thirty-six or forty-eight instalments, as the case may be, or may repay two or more instalments at a time.
(2) The deductions under sub-rule (1) shall be made monthly commencing from the first payment of a full month's pay after the advance has been drawn and paid.