(1) Save as otherwise provided in these regulations, no officer employee shall accept or permit any member of his family or any person acting on his behalf to accept any gift.
10 +4c||{) % f ^ I? <HHkU % +ltf+U % fpPt fo# *ft W&R w £PR sfrft % +4xi 10 $ ^ r ^WT *§ ^ r u | \R. ^ti 4t 3rf£ran$-+4'4i{t sro^ f ^ ^ t ^ ^ ^ m t e snfferarrit m <fi% 4t <M<ftfci+ ^T a^r m%% smre ^H ^ m r m sra% $t +1RI$I ^ f ^ T T | HI'* fa% f̂ TT ̂ £ $ ST^qf^r H^f^m 31 ̂ t *T ^ ' mf^FT^t- ^ ?̂ r TO ^T foi^w f t S I R fo i&ft spjirfcr ^fT ^ V R ^ an l 3^tff^TcT ^ f ^Im T <TC<[ 3JI+R)j+ ^ ^ T <ft sr^n^fl «forr& % mud fof+r^i umuiMai 5re**^% *ra*frtl ( 0 ^T R(Pte4l ff ŜJT ^q^f^f f^Rft «£t ^ t ^ R ^t? *ft teft c*rf% 3fct <(^ft+k *R% # ST f̂rfcf ^ f ^ T T | JM4K *=ft+K ^=IT f!
11 (Reg. 14 contd.)
Explanation : The expression "gift" shall include free transport, boarding, loadging or other service or any other pecuniary advantage when provided by any person other than a near relative or a personal friend having no official dealings with the officer employee.
Note : (1) Casual meal, lift or other social hospitality, shall not be deemed to be a gift.
(?) On occasions such as marriages, anniversaries, funerals or religious functions when the making of gifts is in conformity with the prevailing religious or social practice, an officer employee may accept gifts from his near relatives but he shall make a report to the competent authority if the value of the gifts exceeds Rs. 500/-.
(3) On such occasions as specified in sub-regulation (2) ai i officer employee may also accept gifts from his personal friends having no official dealings with him but he shall make a report to the competent authority if the value of such gifts exceeds Rs. 200/-.
(4) In any other case, the officer employee shall not accept any gifts without the sanction of the competent authority if the value of the gifts exceeds Rs. 75/-.
Provided that when more than one gift has been received from the same person or concern within a .
period of 12 months, the matter shall be reported to the competent authority if the aggregate value thereof exceeds Rs. 500/-.
NOTE : As a normal practice an officer employee shall not accept any gift from any person or institution having official dealings with the officer employee.
11 3T^^if^Hm''3Q?R''^stcrn:cT3ni^t | g^r-sfisr fen 9ti^4Mi i t e r , MR^n m a^ j «mi&i* snfcrear 3q?R^*J?HT^F37TT | % 3vf£|*|ftth oil^K t(, 3 ^ . 3 ? *IH<*K Ql «fR«JR STTfrfesr srafo CT yTfro ^r <HI*H!«J* MRMI<£I % Q\$A\< JMSK ^ *n^ I",
(3) f^R %H&d<h faff % 3ff8T grf^R>-thl[-e||{l % 3Tfa«hllU *RST = # I, 3 ^ 3? OT?R **R«hK 3R ^RKTT I ^ fa* *& ^M Î<T ^ t ^ x R T ^ T T l
(y) 3RT toft *ft *rm<̂ tf 3Tf̂ rd-*nr-cii(l ^$m aiter^ =#'^TT I s i t e q̂̂ R f^Ft ^ 3= r̂ spr Jĵ f s°° /- ô% 3 srftra ^ eft ? ^ t ^ H T *T3ffl HTf^T^ «Rt # T̂QTft | *TT ^ S J I ^ 3q?R ^ + i < ^H*&m [*KH^» ^rraj 3*?% «rf£w>iR* ^r«ra ?t I 12 (Reg. 14 contd.) (5) No officer employee shall
(a) give or take or abet the giving or taking of Dowry or
(b) demand, directly or indirectly from the parents or guardians of bride or bridegroom as the case may be, any Dowry.
Explanation : for the purpose of this regulation 'Dowry' has the same meaning as in the Dowry Prohibtion Act 1961 (28 of 1961).
LENDINGS AND BORROWINGS.
15. No officer employee shall, in his individual capacity -
(i) borrow or permit any member of his family to borrow or otherwise place himself or a member of his family under a pecuniary obligation to a broker or a money lender or a subordinate employee of the bank or any person, association of persons, firm, company or institution, whether incorporated or not, having dealings with the bank ;
(ii) buy or sell stocks, shares or securities of any description without funds to meet the full cost in the case of a purchase of scrips or delivery in the case of a sale;
(iii) incur debts at a race meeting ;
(iv) lend money in private capacity to a constituent of the bank or have personal dealings with such constituent in the purchase or sale of bills of exchange, Government paper or any other securities; and 12 (^r) 3*J 9T ^ , ^ 1 ¥Jt UI±MI it, % TTRTT-ter 9T #:q f̂t w sf^ir ^ , ^ Pnfad ?> m =r it # c f*H% f ^ % ^ y 3 ^ * i R c b * w r ^ , 3^R^'^n3TR^3m%qR^R % teft * i ^ *fit ^ T R d% # 3Rjp£r ^ n HSJT H ̂ ar^raT S T W ^ # *S3^ft ^ *nfl^ ^' s^&r ^TRT i j^f ^ r 3R% % fpTC fafW% 5f it% ^R 3 ^ # ^rfte 9T^TT foft ^ F ^ T T ;
(3) ^ # s % wm teM ^ ^ £RTT |
(y) srcpfrftsft t&racf ^ #% % teft sft sn?^ ̂ t [«IPW*J tm, 4K<ht{l ^FI^T *TT 3R? JjfcTijfcraf * s R ^ % fam R̂»T 3SIR 5|$f ifrT 31 $ 3 ?TT^ % *TTO °ilRcWd 13 (Reg. 15 contd.) (v) guarantee in his private capacity the pecuniary obligations of another person or agree to indemnify in such capacity another person from loss except with the previous permission of the competent authority rProvided that an officer employee may, give to or accept from a relative or personal friend a purely temporary loan of a small amount free of interest or operate a credit account with a bonafide tradesmen or make an advance of pay to his private employee :
Provided further that an officer employee may obtain a loan from a co-operative credit society of which he is a member or stand as a surety in respect of a loan taken by another member from a co-operative credit society of which he is a member.
ADVANCE DRAWAL SALARY.
16. No officer employee shall draw his salary in advance or overdraw his account with the bank acainst security or otherwise, without the previoussanction of the competent authority.
SUBSCRIPTIONS
17. No officer employee shall, except with the previous sanction of the competent authority, ask for or accept contributions to or otherwise associate himself with the raising of any fund or other collections in cash or in kind in pursuance of any objective whatsoever.
SPECULATIONS IN STOCKS AND SHARES AND INVESTMENTS.
18. No officer employee shall speculate in any stock, share or securities or commodities or valuables of any descriptions or shall make investments which are likely to embarrass or influence him in the discharge of his duties.Provided that nothing in this regulation shall be deemed to prohibit an officer employee from making a bonafide investment of his own funds in such securities as he may wish to buy.
13 I^Tcf ^ teft 3RJI SEff̂ f % STTftfai < * l f W # T R £ 3iff ^TT SIT 33RT tfasfcT ^ feft 3RST ^Rcft % 3JTf§fo 4lRk4)'«ft *TKit *$ ^TT STT 33cT IRTOCT ^ fo# *St ?it% # %fo0 3^t % foz w r a 5f t*u, trig srfcanft-cMf-eii'O s»q% b&*\< SIT tsrf^nE te ^ f ^ © 4 | M M I H I ^ t ^ B I T ^ T 3 ^ « m i t ^ W ^ *T%*TT m4#£ $HT 3P*T $ ^*TT SJI teft 4l*4fe|<*> oilimO % mi 3SJR ̂ Tcff ^ ^%TR Stf 3PRT M t # I R «Rt 3 # J T %cH % wmi; <Kc| sr? *ft fo f^ra *m*R$ s r f o t a sis *T^ST 5T; ^ r ^ SJOT ^ ^%xn SIT f̂ RT H^<hl(l HrMr 3CT ̂ ^^BT ?"l 3*T% 3RSI tcR *KT srf̂ PR orr^r \%. «Btf tft «rffeRSR>-*4x||(l *TSTJT Sn^RT € t ^ ^t^fcT % f^TT «WHd tR iff 3F3ISJT 3Tq% f ^ ÎRT ^ 3TCRT %cR 3 # R ^ f fofcM ^%TT SIT 3 ? ^ T̂cT £* «WKIRI 3 s i t e SJT̂T *§ fc&w *T%TTT T ST^R % ̂ # *ffn ^ T ' ^ T T sir fo*ft CR? # ftfw ^wr chHcji^ teft tfr WRWT 3 sptf arm^ ^ ^ ^ ' *TR*TT STT ^ B # SfT ^RcJ % ^ T 3"' STT 3RST ET^R ^ ^TSTT ^WT ^§' 3R*TT| Sfffcfi S* ^t?R <RT B ^ J 3lfa f^^T *<:. ^r? it> arffeRjR>-+4-cii'0 teft rfr g^R % ^ P K , ?t?R *JT nfcn^rat' sn timff STT ^TJT^T ̂ |3fr* K̂T ^r^r ^ ' 14 Note.: Frequent purchase or sale or both of shares or securities or other investments shall be deemed to be speculation for the purpose of this regulation.
INDEBTEDNESS.
19. An officer employee shall so manage his private affairs as to avoid habitual indebtedness or insolvency. An officer employee against whom any legal proceedings are instituted for the recovery of any debt due from him or for adjudging him as an insolvent shall forthwith report the full facts of the legal proceedings to the bank.
MOVABLE, IMMOVABLE AND VALUABLE PROPERTY 20 (1) Every officer employee, on his first appointment, and every other employee of the bank on promotion to a post of an officer employee in the bank, shall submit a return of his assets and liabilities giving full particulars regarding :-
(a) The immovable property inherited by him or owned or acquired by him or held by him on lease or mortgages, either in his name or in the name of any member of his family or in the name of any other person.
(b) Shares, debentures and cash including bank deposits inherited by him or similarly owned or acquired or held by him,
(c) Other movable property inherited by him or similarly owned or acquired or held by him and,
(d) debts and other liabilities incurred by him directly or indirectly : Provided that in the case of an officer employee who is already in the bank on the date these regulations come into force, shall submit a return in terms of this regulation within three months of coming into force of these regulations, the return being with reference to the assets and liabilities as enumerated above of the officer employee on the date these regulations come into force.
14 Pdwiufl : ̂ tePuw % 5TEft̂ pr % f^rc staff, srfcTijfcraf qr 3R3J ft^ff £t «TR - 3R *sR>3 *JT fa£t W $$ *ti -H<i«lMl ART M1IU.J|| I 3S*% £RT ̂ qq^ f *ft SRpft *R% qi 3^% tecjlpikl yUlfrld qR% % -*$$*! $ ^ i qn^ft q ^ T ? fq^q 3̂1% q* ^ n I STR iq> ^r y ^ r 3?^i ch4-ciî f q ; H arton^-ch^xiiJl % q^ m q^ fcT i t =HI% <R f^#TR3H 3TaY qfl q̂ T sqRT c& |q ; siq^t sri^rot' sjh ^̂ raTaff # f^Roft q?T ^RTT - OK) *£# 3TSIrf HmQ\ ^ 3 ^ RkUHd % focft t W ^ 3*1% ̂ 4 3lf$?cl # # , ST 3*T% qT 3*T% qR3R % fq^ft ^ ^ 2 1 ^ qT tq^ft 3FS oqfqd I ™ tR ^ q* w stre^ pit qf i t , (&) f ^ i¥ ̂ wr <if$ wY *rf%cr srr ?&$, ?tq* 3fht ^OT q»r 3 ^ fcKHd tf fopfr/fa^ i f qT 3 ^ tocft-^pRft Sft tft q^gq; 3 * T # aro^r f f *TT srfjfa €t q?
?f qr 3^% SRT STR<*T ^ q? if, ( I ) J ^ ^ ^ q f ^ . ^ ^ R R ^ t f t ^ i r q T d ^ q c T 3 ^ t 3Tqq) i t qT 3*1% SRT 3T^cT ̂ T tJRTJT # ^ f i t , affc (ST) ̂ ^JT 3TR ^qdl*t Sit Ŝ T§T qT *RF§? ̂ T *T 3*1% 3*R i f , qf^ ^ 3Tf^RR>-+4^l{l ?̂T fct fwf f % pfT^it^ ^ q?# f3R ^ ^ r ^* i t 3? ? T f ^ P i ^ i ' % H i ^ i t ^ q^ a k j?#r % jfcrc ^ RIPI^W ?rr^ it% % fcr ^ t 3?q^ q^T^RTT | 15 (Reg. 20 contd.) (2) Every officer employee shalf every yearsubmit a return of his movable, immovable and valuable property including liquid asset like shares, debentures as on 31 st March of that year to the bank before the 30 th day of June of that year."
(3) No officer employee shall except with the previous knowledge of the competent authority acquire or dispose of any immovable property by lease, mortgage, purchase, sale, gift or otherwise either in his own name or in the name of any member of his family: Provided that the previous sanction of the competent authority shall be obtained by the officer employee if any such transaction is :
(a} with a person having official dealings with the officer employee.
(b) otherwise than through a reputed dealer.
(4) "Every officer employee shall report to the competent authority every transaction concerning movable property owned or held by him, either in his own name or in the name of a member of his family, if the value of such property exceeds Rs. 5,000/- provided that the previous sanction of the competent authority shall be obtained if any such transaction is :
(a) with a person having official dealings with the officer employee. OR
(b) otherwise than through a regular or reputed dealer.
15
(3) ^i *ft 3rfoKTft-*4-siifl *T3m srrfosift $t ^ MtM*i{l % i^n *&ft teft *ft 3T3H srmfwf ^T q^ai, shre;, ̂ rfta, fsisft, sq^rc m zw ci$% ^ 8rfoEi$-*iknfl ST$PT snffera^ # ^ f^^fcr inter ^ n {m) fcj<^ld o4|im{l % 3Tc=IRT 3F*T% Wfef H ^ r ?t%
(w) s* srtetf) -+4^1-0 *r§m mfort ^ ^ ?* ©*M$K # M ^ ^n f*w*i # r a ^r% * ^ : | ^ q i 3^?T % ^ o ; g*t | ̂ c^PiMfaRsid qftferfcrat' if OR) 3 £ s q % ^ *fc[r fa% STl% qR f«Fa% HfST 16 (Reg. 20 contd.) (5) The bank may at any time, by general or special order, require an officer employee to furnish within a period to be specified in the order a full and complete statement of such movable or immovable property held or acquired by him or on his behalf or by any member of his family as may be specified in the order. Such a statement shall, if so required by the bank, include the details of the means by which or the sources from which such property was acquired.
INDICATION OF ACTS AND CHARACTER OF AN OFFICER EMPLOYEE
21. No officer employee shall, except with the previous sanction of the bank, have recourse to any court or to the press for the vindication of any official act which has been the subject matter of adverse criticism or an attack of a defamatory character.Provided that nothing in this regulation shall be deemed to prohibit an employee from vindicating his private character or any act done by him in his private capacity and where any action for vindicating his private character c. any act done by him in private capacity is taken, the officer employee shall submit a report to his immediate superior within a period of three months from the date, such action is taken by him.
RESTRICTIONS REGARDING MARRIAGE :