Pi = 3.14159 26 5358979323846 26 433... so the first 2-digit substring to repeat is 26.
What is an efficient way
Perhaps something like this will work:
Search for repeated substrings of length 2 (or some small base case), record starting indicies S={s_i}
For n=3..N, look for substrings of length n from the indices in S
Each iteration, update S with substrings of length n
at n=20, the first two indicies will be your answer
you might want to adjust the initial size and step size (it might not be necessary to step by 1 each time)