CGEGIS Table of Benefits Oct-Dec 2025: Savings Fund Accumulation Rules
The Ministry of Finance has released the Central Government Employees Group Insurance Scheme (CGEGIS-1980) Table of Benefits for the quarter spanning October 1 to December 31, 2025. The savings fund accumulation is calculated at a 7.1 percent interest rate, compounded quarterly, applicable for employees ceasing membership during this period.
Authority: Ministry of Finance, Department of Expenditure (E-V Branch)
Reference: OM No. 7(1)/EV/2023 dated 12.11.2025
The tables generated by the Insurance Regulatory and Development Authority (IRDA) form the absolute baseline for processing terminal benefits. In practice, Drawing and Disbursing Officers (DDOs) routinely face audit objections and delays in final retirement settlements if they mistakenly apply the previous quarter’s multiplication factors instead of the updated active tables.
How is the CGEGIS interest rate determined for Q4 2025?
The Department of Economic Affairs sets the prevailing interest rate for the scheme. For the October to December 2025 quarter, the official resolution locks the rate at 7.1 percent per annum. The savings fund portion constitutes 70 percent of the monthly contribution for service periods from January 1, 1988, onwards.
Maturity Calculation: Rs 15 vs Rs 10 Subscription Tables
The official memorandum provides two distinct reference tables based on the employee’s historical subscription choices. The table below illustrates the final maturity amount for an employee retiring in December 2025, contrasting the standard revised rate against the old retained rate.
| Year of Entry | Accumulation (Rs 15 from 1990) | Accumulation (Rs 10 Throughout) |
|---|---|---|
| 1982 | Rs 60,519.55 | Rs 50,206.75 |
| 1990 | Rs 30,931.47 | Rs 20,612.74 |
| 2000 | Rs 10,694.65 | Rs 7,129.47 |
| 2010 | Rs 3,909.43 | Rs 2,606.28 |
Which table applies to employees who opted out of the 1990 revision?
Employees who explicitly opted out of the revised subscription rate implemented on January 1, 1990, remain on the flat Rs 10 per month scale. Their final settlement must be calculated exclusively using the Second Table attached to the Finance Ministry order, which yields a substantially lower final payout.
CGEGIS Beneficiary Guidelines and Exclusions
The CGEGIS framework categorizes the monthly deduction into a risk-coverage insurance fund and an interest-bearing savings fund. Strict compliance is required when determining the cessation month for accurate payout calculations.
Regular Central Government personnel
Employees retiring between Oct-Dec 2025
Personnel resigning or voluntarily retiring
Contractual or ad-hoc staff
Insurance fund portion (no maturity return)
Employees covered under separate PSU schemes
For personnel serving in the Indian Audit and Accounts Department, the Department of Expenditure issues these orders in direct consultation with the Comptroller and Auditor General of India, fulfilling the constitutional mandate under Article 148(5).
Frequently Asked Questions
What is the CGEGIS interest rate for the Oct-Dec 2025 quarter?
The interest rate for the Central Government Employees Group Insurance Scheme savings fund is fixed at 7.1 percent per annum, compounded quarterly, for the period of October 1 to December 31, 2025.
Why are there two different tables for CGEGIS calculation?
The first table applies to employees paying the revised Rs 15 per month subscription effective from January 1, 1990. The second table is specifically for employees who opted to remain on the older Rs 10 per month subscription rate throughout their service.
How much of the CGEGIS deduction goes into the savings fund?
For service periods from January 1, 1988 onwards, exactly 70 percent of the monthly subscription is allocated to the interest-bearing savings fund, while the remaining 30 percent covers the insurance risk fund.
Who calculates the final CGEGIS maturity tables?
The Insurance Regulatory and Development Authority (IRDA) works out the final accumulation tables based on the interest rates notified periodically by the Department of Economic Affairs.
हिंदी सारांश
वित्त मंत्रालय के व्यय विभाग ने अक्टूबर से दिसंबर 2025 तिमाही के लिए केंद्रीय सरकारी कर्मचारी समूह बीमा योजना (CGEGIS-1980) के लाभों की नई सारणी जारी कर दी है। इस तिमाही के लिए बचत निधि पर 7.1 प्रतिशत वार्षिक ब्याज दर (तिमाही आधार पर चक्रवृद्धि) निर्धारित की गई है। जो कर्मचारी इस अवधि के दौरान सेवानिवृत्त हो रहे हैं, उनका अंतिम भुगतान इसी सारणी के आधार पर आहरित किया जाएगा। 1990 में अंशदान वृद्धि से बाहर रहने वाले कर्मचारियों के लिए अलग सारणी (10 रुपये प्रतिमाह) दी गई है।
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