Section 42(d) in Orissa State Financial Corporation (Staff) Regulations, 1975
(d)In every case under this Regulation the burden of proof that the insolvency or indebtedness is the result of circumstances which with the exercise of ordinary diligence the debtor could not have foreseen or which he/she had no control and does not proceed from extravagant or dissipated habits shall be upon the debtor.
