If an employee has taken a loan from the surplus fund before the commencement of this section, the principal interest amount due from the loan taken by him shall be deducted from the amount of the fund accumulated in his name and reconciled. If such an employee wants to withdraw money from the fund again, the amount already withdrawn will be deducted from the amount as per sub-section (1) of section 14 and only the remaining amount will be given. However, he cannot withdraw money from the fund again until two years have passed since the date of withdrawal or withdrawal from the fund. (3) Home If the employee who has taken the salary wants to reconcile the account from the amount deducted from the fund, he can reconcile the account according to sub-section (1).