The Department of Expenditure has released the CGEGIS Table of Benefits 2026. This table is used to calculate the accumulated value in the Savings Fund for Central Government Employees Group Insurance Scheme (CGEGIS) at the time of retirement or cessation of service.
Note: The subscription rate and insurance cover remain unchanged for 2026. The 70:30 ratio applies to the apportionment of the monthly subscription.
1. CGEGIS Subscription Rates 2026
The monthly deduction from your salary depends on your “Group” classification (A, B, or C). This amount is split into the Insurance Fund (30%) and Savings Fund (70%).
| Group | Monthly Subscription | Insurance Cover | Savings Fund (70%) |
|---|---|---|---|
| Group A | ₹120 | ₹1,20,000 | ₹84 |
| Group B | ₹60 | ₹60,000 | ₹42 |
| Group C | ₹30 | ₹30,000 | ₹21 |
2. CGEGIS Table of Benefits (Jan-Mar 2026)
For employees retiring in the first quarter of 2026, the accumulation in the Savings Fund is calculated based on the 7.1% compounded quarterly interest rate.
- Entry Year 1990: Approx ₹50,421 (Group C)
- Entry Year 2000: Approx ₹28,150 (Group C)
- Entry Year 2010: Approx ₹12,400 (Group C)
To get the exact figure for Group A or B, multiply the Group C figure by 4 or 2, respectively. The full quarterly table is available in the official notification.
3. Rules for Refund Calculation
When an employee retires, resigns, or expires, the payment is made from two sources:
A. Savings Fund
The total accumulated amount (Subscriptions + Interest) is paid to the employee upon retirement. This is calculated using the “Table of Benefits” published by the Ministry.
B. Insurance Fund
This is paid ONLY in the case of death while in service. The family gets the full insurance cover (e.g., ₹1,20,000 for Group A).
What is the CGEGIS interest rate for 2026?
The interest rate for the CGEGIS Savings Fund for the quarter Jan-Mar 2026 is 7.1% compounded quarterly. This rate is aligned with the GPF interest rate notified by the government.
Can I increase my CGEGIS subscription?
No. The subscription is fixed based on your Group (A, B, or C). You cannot voluntarily increase it. It changes only when you are promoted from one Group to another (e.g., Group B to Group A).
हिंदी सारांश: CGEGIS टेबल 2026
वित्त मंत्रालय ने जनवरी से मार्च 2026 की तिमाही के लिए CGEGIS लाभ तालिका जारी कर दी है। ब्याज दर 7.1% तय की गई है। ग्रुप C कर्मचारियों के लिए मासिक कटौती ₹30, ग्रुप B के लिए ₹60 और ग्रुप A के लिए ₹120 है। रिटायरमेंट पर सेविंग्स फंड का पैसा ब्याज सहित मिलता है, जो टैक्स-फ्री होता है।
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