Rule 16 — CCS

Employees shall not: Make speculative investments in stocks (intra-day trading and similar practices), shares, or property that could lead to conflicts of interest.

Rule 16: Investment, Lending, and Borrowing Government servants must follow financial discipline in their personal financial dealings, particularly in investments, lending, and borrowing.

Lend or borrow money from subordinates, colleagues, or individuals with whom they have official dealings. Engage in financial transactions that may result in undue influence or financial dependence on another person28 .

If an employee is required to make a significant financial transaction, such as purchasing property or investing in high-value assets, they must report it to the government if the amount exceeds the prescribed limit In case overall transaction in shares/debenture/Mutual Funds/SIP in a calendar year is more than six times of the Basic Pay, details are required to be reported upon in the prescribed format, as is the case of Annual Property Return.