1. On full repayment of the Advance taken and payment of interest thereon
2. In case of death of the Government Servant while in service.

On completion of recovery of Principal and interest the DDO shall forward the full details of Advance taken, recovered, interest due and recovered along with Certificate of Fulfillment of Formalities issued by loans sanctioning authority, to the Accountant General.

After the close of each financial year, the Accountant General places the individual Annual Accounts Statement showing the opening balance as on the 1st April of the year, advances given and recoveries made monthly during the year and the closing balance to end of the year, in Virtual Private Network (VPN) of Treasuries for distributing the same to DDOs concerned. Government Servants have to satisfy themselves as to the correctness of the Account Statements and errors should be brought to the notice of the Principal Accountant General within three months of receipt of the same.

Missing credits arise due to misclassification in the treasuries or incorrect details in Loan Recovery schedules. At times, schedules/vouchers are not received from the Treasuries/PAOs for various reasons and as a result some of the recoveries/withdrawals do not get posted in the account. These missing credits/debits can be located and included in the individual account after proper verification of the accounts rendered to AG by the Drawing and Disbursing Officers/Treasuries/PAOs subject to furnishing the details in Missing Credits Memo.

1. Sanction received without corresponding debit
2. Recoveries received without corresponding debit

When a missing debit is noted in the Account Statement of an Advance, the Government Servant has to approach the DDO and ensure that the details of the drawal viz. Amount , Voucher No. , SA No.,Treasury alongwith certificate of payment or a copy of the voucher are sent to this office. The missing debit will be posted if the amount is unposted in the records of this office. In case of misclassification of the debit, the Treasury /PAO has to rectify the same.

The Account Statement shows adverse (minus) balance due to missing debit. If a debit is missing and recoveries are also not accounted for against it, the amount of advance would be recovered from pensionary benefits of the Government Servant and this causes delay in authorizing the Pension.

1. Email facility : Grievances can be mailed to agaeloans@gmail.com or dag.wnf@gmail.com
2. Fax : 040-23231937