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<h1>Mode of payment restrictions bar cash acceptance for certain loans and deposits, mandating bank or electronic modes.</h1> Clause 185 prohibits taking or accepting any loan, deposit or specified sum in cash where the amount or aggregate amount (including unpaid prior amounts from the same payer) meets a prescribed threshold, and mandates settlement through account-payee cheque, account-payee bank draft, electronic clearing system or other prescribed electronic modes; it defines 'loan or deposit' as money and provides exceptions for Government, specified banks and corporations, notified institutions, an agricultural-income-only exemption, and a higher threshold for primary agricultural credit societies and related co-operative banks.