Employee lending and borrowing restrictions prohibit conflicted private financial dealings while allowing cooperative credit society loans.

Employees are prohibited from private borrowing, lending, securities dealings and guarantees that create financial obligations or conflicts involving brokers, moneylenders, subordinate employees, constituents, or persons and entities dealing with the Authority. Borrowing by dependent family members from such persons is also restricted. Private guarantees or indemnities require prior permission of the competent authority. Employees may obtain loans from a cooperative credit society of which they are members and may stand surety for another member's loan from that society.

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