Mode of repayment restrictions require electronic or account payee transfers for high value loans and specified advances, with limited exemptions. Mode of repayment restricts repayment of loans, deposits and specified advances to account payee cheque, account payee bank draft in the lender's name, or electronic clearing/bank account transfers where the amount payable (individual or aggregate with interest) meets the statutory monetary threshold; exceptions allow crediting to the borrower's savings/current account with the same branch and exclude Government, specified banking entities, statutory corporations, Government companies and notified institutions, with a higher threshold for primary agricultural credit societies and related rural banks.