The All India Services (Conduct) Rules, 1968
15. INSOLVENCY AND HABITUAL INDEBTEDNESS:
(1) A member of the Service shall so manage his private affairs as to avoid habitual indebtedness or insolvency.
(2) A member of the Service against whom any legal proceeding is instituted for recovery of any debt due from or for adjudging him as an insolvent, shall forthwith report the full acts of such legal proceedings to the Government.
(3) The burden of proving that indebtedness or insolvency is the result of circumstances which, with the exercise of ordinary diligence, the member of the Service could not have foreseen or over which he had no control, and has not proceeded from extravagant or dissipated habits, shall be upon him.
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