Payments in cash in case of money lending business

My Question is
I have a pawn shop in a small village where I lend money to people in cash for there valuables.
90% of people to whom I lend don't have bank accounts so I give them in cash. Many times it is more than Rs. 20,000.
Whether this will be disallowed as per section 40A(3) of the Income tax Act read with rule 6DD, my village have Banking services but, the people I'm lending don't.
Does the provisions of section 269SS and 269T.
I'm the lender and its my business.