Mandatory subscription to an insurance scheme or fund instituted by the Authority applies to every employee governed by the Employees' Service Regulations, subject to the rules of that scheme or fund. Such subscription cannot curtail superannuation benefits otherwise admissible to an employee. Employees exempted under the applicable scheme or fund rules are not required to subscribe.

Subscription to the IFSCA New Pension Scheme requires employees to become members and comply with the Scheme Rules, unless otherwise specified. Whole-time employees joining from a specified date must exclusively join the Scheme. Whole-time employees absorbed on deputation who were CPF or GPF members before a specified date may elect, in the prescribed manner, to continue under CPF/GPF or join the IFSCA New Pension Scheme.

Regulation 93 provides gratuity on retirement, death, certified disablement, resignation after five years of continuous service, and non-punitive termination after five years. Employees with less than ten years of continuous service receive gratuity under the Payment of Gratuity Act, 1972. Those completing at least ten years receive gratuity under rules prescribed by the Authority, but not below the statutory amount. The Authority may create a gratuity trust.

Deputation and external assignment of an Authority employee to another employer require the Authority's approval and remain subject to terms and conditions specified by it. An employee cannot be sent on deputation or external assignment against that employee's will.

Deputation of employees to military service may be undertaken on terms and conditions determined by the Authority. The Authority prescribes the applicable conditions for employees deputed for such service.

Travelling and halting allowances for employees are payable at rates and subject to terms and conditions approved by the Authority from time to time. The allowance framework is governed by periodically approved rates and conditions.

Medical aid and related facilities must be provided to employees and eligible dependents under approved guidelines, which may cover illness, accidental injuries, hospitalisation and domiciliary treatment. Comprehensive health insurance may also be obtained for employees and dependents on determined terms. The Group Mediclaim Policy and National Pension System arrangements specified in Annexure-2 apply to employees.

Employee appeal rights permit challenge to penalties and suspension before the designated Appellate Authority. Appeals must be submitted within 45 days of receipt of the challenged order, in Hindi or English, using respectful language, stating all material facts and arguments, and specifying the relief sought. Appellate review extends to the justification for findings and the adequacy or excessiveness of the penalty. Enhancement to a major penalty requires a disciplinary inquiry or, where an inquiry has already occurred, a show-cause notice and opportunity to make a representation.

Vigilance cases alleging corrupt practices may involve investigation by the Central Bureau of Investigation, the Central Vigilance Commission, or another approved agency. Where a prima facie case arises, advice may be sought on disciplinary action, and the enquiry may be entrusted to a Commissioner for Departmental Enquiries or a nominated person. The Inquiry Officer's report is referred for advice on charges and penalties, while the competent authority determines the penalty after considering that advice. Corrupt practices include criminal misconduct and improper or corrupt exercise of powers.

Employee suspension may be ordered where disciplinary proceedings are contemplated or pending, or a criminal case is under investigation, inquiry or trial. Deemed suspension follows detention exceeding 48 hours or conviction resulting in imprisonment where service is not immediately terminated. Suspension may be modified or revoked, is ordinarily limited to 90 days, and may be exceptionally extended for a further limited period. Subsistence allowance is payable during suspension, with an enhanced rate where inquiry delay is not attributable to the employee. Where no disciplinary penalty is imposed, the employee receives the difference between subsistence allowance and ordinary emoluments.

Special disciplinary procedure permits the Competent Authority to impose any prescribed penalty despite ordinary procedural requirements where facts are established by a court of law or court martial, the employee has absconded, communication is impracticable, or other difficulties prevent compliance. Procedural requirements may be waived only without injustice to the employee, and written reasons are mandatory for every complete or partial waiver.

Common disciplinary proceedings may be directed by the Competent Authority where a case concerns two or more employees. The disciplinary proceedings against all such employees may then be conducted jointly through common proceedings.

Communication of disciplinary orders requires the Competent Authority's orders to be communicated to the employee concerned. Where an inquiry report exists, the employee must also be supplied with a copy of the report.

Minor-penalty proceedings require written notice of alleged lapses and an opportunity for the employee to submit a written defence within the specified period, subject to any extension granted by the Competent Authority. Any defence must be considered before an order is passed. If an inquiry is considered necessary, the procedure for imposing a major penalty applies. The record must include the imputations, defence statement, if any, and the Competent Authority's reasoned order.

The Competent Authority may remit a case for fresh or further inquiry, with written reasons, where it is not the Inquiry Officer. It must record reasons before disagreeing with findings on any charge and may make its own findings where the evidence on record is sufficient. Based on findings concerning all or any charges, it may impose an applicable disciplinary penalty or, where no penalty is warranted, exonerate the employee.

Major penalties may be imposed only after an inquiry. The Competent Authority must communicate definite charges and supporting allegations, allow a written defence, and may appoint an eligible Inquiry Officer and Presenting Officer. The employee may obtain assistance from another employee, inspect relevant documents, seek production of evidence, cross-examine witnesses, present a defence and file a written brief. Non-compliance may lead to an ex parte inquiry. The Inquiry Officer must prepare a reasoned report assessing evidence and recording findings on each charge, subject to safeguards where a different charge emerges.

Regulation 79 prescribes minor and major disciplinary penalties for employees who breach regulations or instructions, act negligently, breach discipline, or commit misconduct. Minor penalties include censure, withholding promotion or increments, recovery of pecuniary loss, and limited non-cumulative pay reduction. Major penalties include specified pay reduction, reduction in grade, compulsory retirement, removal, and dismissal. It also excludes specified actions from the meaning of penalty, including certain increment withholding, non-promotion, reversion, termination under employment terms, medical termination, and retirement.

Workplace sexual harassment of any woman employee is prohibited, including unwelcome physical, verbal or non-verbal sexual conduct. Complaints are handled by a Complaints Committee chaired by a senior woman employee and having specified male, women and non-governmental organisation representation. The Committee may set its procedure, close motivated or frivolous complaints after intimation, or initiate a reasoned inquiry. It is deemed to be the inquiry officer for disciplinary purposes, may provide counselling or support services, and submits an inquiry report. The Competent Authority initiates disciplinary proceedings and imposes penalties for proven violations.

Regulation 78 prohibits employees from misusing Authority-granted residential accommodation, facilities or concessions. Employees may not sub-let, lease, or allow another person to occupy allotted residential accommodation without the Authority's express permission. Following determination or cancellation of an allotment, the employee must vacate within the period specified by the allotting authority.

Employees must not make statements of fact or opinion that adversely criticise a current or recent policy or action of the Authority or Government. The restriction covers broadcasts, electronic media, publications made under any name or anonymously, press communications, and public utterances. It does not apply to statements or views made in an official capacity or while performing assigned duties.