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    <title>Repayment of loan and interest</title>
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      <description>Subscribers must repay loan principal under the Public Provident Fund Scheme within a prescribed thirty-six month period, in lump sum or instalments; interest after principal repayment is payable in up to two monthly instalments at two per cent per annum, while failure to repay within the prescribed period attracts a higher default interest rate and allows debit of outstanding interest or unpaid portions to the subscriber&#039;s account, with recoverable interest accruing to the Central Government.</description>
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