Section 17 in Gujarat Civil Services (Conduct) Rules, 1971
17. Insolvency and Habitual Indebtedness.
(1)A Govenment servant shall so manage his private affairs as to avoid habitual indebtedness or insolvency. A Government servant who becomes the subject of legal proceedings for insolvency shall forthwith report the full facts to the Government.(2)Where a moiety of the salary of a Government servant is attached, the report shall show what is the proportion of his debts to the salary and whether the debtor's position is irretrievable so as to enable Government to consider whether in the circumstances of the case, these matters would detract from the debtor's efficiency as a Government servant and whether it is desirable to retain him in the post occupied by him at the time when the matter is brought to the notice of Government or in any other post under Government.(3)When a Government servant is adjudged or declared an insolvent or when a moiety of the salary of such Government servant is constantly being attached, or has been continuously under attachment for a period exceeding two years or is attached for a sum, which in ordinary circumstances cannot be repaid within a period of two years, he shall be liable to be removed from services.(4)In every case under this rule, the burden of proving that the insolvency or indebtedness is the result of circumstances which with the exercise of ordinary diligence, the debtor could not have foreseen or over which he had no control and has not proceeded from extravagant or dissipated habits, shall be, upon the debtor.
