Employee lending and borrowing restrictions prohibit conflicted financial dealings, race-meeting debts, and unauthorised personal guarantees.

Employees acting individually cannot borrow, or allow dependent family members to borrow, from brokers, money lenders, subordinate employees, or entities dealing with the Authority. They cannot incur race-meeting debts, lend privately to an IFSC Unit, or have personal dealings with such a unit for regulated financial services. Private guarantees and indemnities require prior permission. Cooperative credit society loans and surety arrangements are permitted, while debt-instrument subscriptions and prescribed investments or transactions are excluded from prohibited lending or personal dealings.

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