CGEGIS Table of Benefits for the savings fund for the period from 01.07.2025
to 30.09.2025: Finmin O.M. dated 04.08.2025
No. 7(1)/EV/2023
Government of India
Ministry of Finance
Department of Expenditure
E-V Branch
New Delhi, the 04th August, 2025
OFFICE MEMORANDUM
Sub: Central Government Employees Group Insurance Scheme-1980 – Tables of Benefits for the savings fund for the period from 01.07.2025 to 30.09.2025.
The Tables of Benefits for Savings Fund to the beneficiaries under the Central Government Employees Group Insurance Scheme-1980, which are being issued
on a quarterly basis from 01.01.2017 onwards, as brought out in this Ministry’s OM of even number dated 17.03.2017, for the quarter from 01.07.2025 to 30.09.2025, as worked out by IRDA based on the interest rate of 7.1% per annum (compounded quarterly) as notified by the Department of Economic Affairs as per their Resolution No. 5(3)-B(PD)/2023 dated 02.07.2025, are enclosed.
2. The Tables enclosed are of two categories as per the existing practice. As hitherto, the first Table of Benefits for the savings fund of the scheme is based on the subscription of Rs.10 p.m. from 1.1.1982 to 31.12.1989 and Rs.15 p.m. w.e.f. 1.1.1990 onwards. The second Table of Benefits for savings fund is based on a subscription of Rs.10 p.m. for those employees who had opted out of the revised rate of subscription w.e.f. 1.1.1990.
3. In so far as the persons serving in the Indian Audit and Accounts Department are concerned, these Orders are issued in consultation with the Comptroller and Auditor General of India, as mandated under Article 148(5) of the Constitution of India.
4. Hindi version of the order is attached.
(Proven Ranjan)
Director
CENTRAL GOVERNMENT EMPLOYEES GROUP INSURANCE SCHEME 1980
Contribution @ Rs. 10/- P.M upto 31.12.89 and Rs. 15 throughout after 1.1.90
Accumulated value of contribution from 1st January of year of Entry to the month and year of cessation
Year of cessation of membership – 2025
Month of cessation of membership
| Year of Entry | Jan | Feb | Mar | April | May | June | July | Aug | Sept | Oct | Nov | Dec |
| 1982 | 56627.03 | 56970.61 | 57316.21 | 57663.85 | 58013.53 | 58365.26 | 58719.07 | 59074.95 | 59432.93 | |||
| 1983 | 51723.79 | 52038.53 | 52355.12 | 52673.57 | 52993.90 | 53316.11 | 53640.21 | 53966.22 | 54294.15 | |||
| 1984 | 47308.77 | 47597.54 | 47888.01 | 48180.19 | 48474.08 | 48769.71 | 49067.07 | 49366.18 | 49667.05 | |||
| 1985 | 43339.98 | 43605.40 | 43872.39 | 44140.95 | 44411.08 | 44682.81 | 44956.13 | 45231.07 | 45507.62 | |||
| 1986 | 39791.16 | 40035.71 | 40281.70 | 40529.14 | 40778.03 | 41028.39 | 41280.22 | 41533.53 | 41788.33 | |||
| 1987 | 36599.33 | 36825.11 | 37052.21 | 37280.65 | 37510.44 | 37741.57 | 37974.07 | 38207.93 | 38443.17 | |||
| 1988 | 33748.73 | 33957.74 | 34167.98 | 34379.45 | 34592.17 | 34806.15 | 35021.38 | 35237.87 | 35455.64 | |||
| 1989 | 31171.11 | 31364.99 | 31559.95 | 31756.09 | 31953.38 | 32151.83 | 32351.44 | 32552.23 | 32754.21 | |||
| 1990 | 28887.48 | 29067.90 | 29249.38 | 29431.92 | 29615.54 | 29800.24 | 29986.02 | 30172.90 | 30360.88 | |||
| 1991 | 25832.14 | 25994.59 | 26157.99 | 26322.35 | 26487.68 | 26653.98 | 26821.26 | 26989.52 | 27158.77 | |||
| 1992 | 23128.53 | 23275.08 | 23422.48 | 23570.75 | 23719.89 | 23869.91 | 24020.82 | 24172.61 | 24325.29 | |||
| 1993 | 20713.66 | 20846.00 | 20979.11 | 21113.01 | 21247.70 | 21383.18 | 21519.45 | 21656.53 | 21794.42 | |||
| 1994 | 18577.02 | 18696.79 | 18817.27 | 18938.45 | 19060.35 | 19182.96 | 19306.29 | 19430.35 | 19555.14 | |||
| 1995 | 16676.62 | 16785.21 | 16894.44 | 17004.32 | 17114.84 | 17226.01 | 17337.83 | 17450.31 | 17563.45 | |||
| 1996 | 14991.46 | 15090.14 | 15189.40 | 15289.24 | 15389.67 | 15490.70 | 15592.31 | 15694.53 | 15797.34 | |||
| 1997 | 13484.79 | 13574.61 | 13664.95 | 13755.83 | 13847.24 | 13939.19 | 14031.68 | 14124.71 | 14218.30 | |||
| 1998 | 12156.61 | 12238.61 | 12321.10 | 12404.07 | 12487.53 | 12571.49 | 12655.93 | 12740.87 | 12826.31 | |||
| 1999 | 10964.92 | 11039.92 | 11115.35 | 11191.23 | 11267.56 | 11344.34 | 11421.56 | 11499.24 | 11577.38 | |||
| 2000 | 9914.97 | 9983.79 | 10053.02 | 10122.65 | 10192.69 | 10263.15 | 10334.01 | 10405.30 | 10477.00 | |||
| 2001 | 8980.52 | 9043.85 | 9107.54 | 9171.61 | 9236.06 | 9300.89 | 9366.10 | 9431.69 | 9497.66 | |||
| 2002 | 8151.07 | 8209.51 | 8268.30 | 8327.43 | 8386.92 | 8446.75 | 8506.93 | 8567.47 | 8628.36 | |||
| 2003 | 7388.24 | 7442.20 | 7496.47 | 7551.07 | 7605.98 | 7661.22 | 7716.79 | 7772.68 | 7828.89 | |||
| 2004 | 6702.14 | 6752.06 | 6802.28 | 6852.79 | 6903.60 | 6954.71 | 7006.11 | 7057.82 | 7109.84 | |||
| 2005 | 6068.29 | 6114.49 | 6160.95 | 6207.69 | 6254.70 | 6301.99 | 6349.56 | 6397.41 | 6445.54 | |||
| 2006 | 5482.71 | 5525.46 | 5568.46 | 5611.72 | 5655.23 | 5698.99 | 5743.01 | 5787.29 | 5831.83 | |||
| 2007 | 4941.73 | 4981.30 | 5021.10 | 5061.13 | 5101.40 | 5141.91 | 5182.65 | 5223.64 | 5264.86 | |||
| 2008 | 4441.94 | 4478.57 | 4515.41 | 4552.47 | 4589.75 | 4627.25 | 4664.97 | 4702.91 | 4741.07 | |||
| 2009 | 3980.22 | 4014.13 | 4048.24 | 4082.55 | 4117.07 | 4151.78 | 4186.70 | 4221.83 | 4257.16 | |||
| 2010 | 3553.66 | 3585.06 | 3616.65 | 3648.42 | 3680.38 | 3712.53 | 3744.86 | 3777.39 | 3810.11 | |||
| 2011 | 3159.58 | 3188.66 | 3217.92 | 3247.35 | 3276.95 | 3306.72 | 3336.67 | 3366.80 | 3397.10 | |||
| 2012 | 2795.22 | 2822.16 | 2849.26 | 2876.52 | 2903.94 | 2931.52 | 2959.26 | 2987.17 | 3015.24 | |||
| 2013 | 2460.43 | 2485.40 | 2510.52 | 2535.78 | 2561.20 | 2586.76 | 2612.48 | 2638.35 | 2664.37 | |||
| 2014 | 2153.26 | 2176.43 | 2199.73 | 2223.17 | 2246.75 | 2270.46 | 2294.32 | 2318.31 | 2342.45 | |||
| 2015 | 1871.56 | 1893.07 | 1914.70 | 1936.46 | 1958.35 | 1980.37 | 2002.52 | 2024.80 | 2047.21 | |||
| 2016 | 1613.09 | 1633.07 | 1653.18 | 1673.40 | 1693.75 | 1714.21 | 1734.79 | 1755.50 | 1776.32 | |||
| 2017 | 1375.93 | 1394.52 | 1413.22 | 1432.04 | 1450.96 | 1469.99 | 1489.14 | 1508.40 | 1527.77 | |||
| 2018 | 1157.43 | 1174.74 | 1192.15 | 1209.66 | 1227.28 | 1245.00 | 1262.82 | 1280.75 | 1298.78 | |||
| 2019 | 955.03 | 971.14 | 987.36 | 1003.66 | 1020.07 | 1036.57 | 1053.16 | 1069.86 | 1086.65 | |||
| 2020 | 767.82 | 782.84 | 797.94 | 813.13 | 828.42 | 843.79 | 859.25 | 874.81 | 890.45 | |||
| 2021 | 594.30 | 608.30 | 622.38 | 636.54 | 650.78 | 665.11 | 679.52 | 694.02 | 708.60 | |||
| 2022 | 432.60 | 445.65 | 458.77 | 471.97 | 485.24 | 498.60 | 512.03 | 525.54 | 539.13 | |||
| 2023 | 281.89 | 294.05 | 306.28 | 318.58 | 330.95 | 343.40 | 355.92 | 368.51 | 381.18 | |||
| 2024 | 141.42 | 152.75 | 164.15 | 175.62 | 187.15 | 198.75 | 210.42 | 222.16 | 233.97 | |||
| 2025 | 10.50 | 21.06 | 31.69 | 42.37 | 53.12 | 63.93 | 74.81 | 85.75 | 96.75 |
Note:
Basis Used
| From | To | Interest* | From | To | Interest* | From | To | Interest* | ||
| 1.1.82 | 31.12.82 | 10% | 01.04.2012 | 31.03.2013 | 8.80% | 1.4.2019 | 30.6.2019 | 8.00% | ||
| 1.1.83 | 31.12.86 | 11% | 1.4.2013 | 31.03.2016 | 8.70% | 1.7.2019 | 30.9.2019 | 7.90% | ||
| 1.1.87 | 31.12.00 | 12% | 01.04.2016 | 30.09.2016 | 8.70% | 1.10.2019 | 31.12.2019 | 7.90% | ||
| 1.1.01 | 31.12.01 | 11% | 01.10.2016 | 31.12.2016 | 8.70% | 1.1.2020 | 31.03.2020 | 7.90% | ||
| 1.1.02 | 31.12.02 | 9.50% | 01.01.2017 | 31.03.2017 | 8.00% | 1.4.2020 | 31.12.2022 | 7.10% | ||
| 1.1.03 | 31.12.03 | 9.00% | 01.04.2017 | 30.06.2017 | 7.90% | 1.1.2023 | 31.03.2023 | 7.10% | ||
| 1.1.04 | 30.11.11 | 8.00% | 01.07.2017 | 31.12.2017 | 7.80% | 1.4.2023 | 30.6.2023 | 7.10% | ||
| 1.12.11 | 31.03.12 | 8.60% | 01.01.2018 | 30.09.2018 | 7.60% | 1.7.2023 | 30.09.2023 | 7.10% | ||
| 1.10.2018 | 31.12.2018 | 8.00% | 1.10.2023 | 31.03.2024 | 7.10% | |||||
| 1.1.2019 | 31.03.2019 | 8.00% | 1.04.2024 | 30.09.2025 | 7.10% |
* Interest p.a compounded quarterly
Savings Fund: 68.75% from 1.1.82 to 31.12.87
70% from 1.1.88 and onwards
Insurance Fund: 31.25% from 1.1.82 to 31.12.87
30% from 1.1.88 and onwards
CENTRAL GOVERNMENT EMPLOYEES GROUP INSURANCE SCHEME 1980
Contribution @ Rs. 10/- throughout
Accumulated value of contribution from 1st January of year of Entry to the month and year of cessation
Year of cessation of membership – 2025
Month of cessation of membership
| Year of Entry | Jan | Feb | Mar | April | May | June | July | Aug | Sept | Oct | Nov | Dec |
| 1982 | 46995.7 | 47279.13 | 47564.23 | 47851 | 48139.46 | 48429.61 | 48721.48 | 49015.06 | 49310.36 | |||
| 1983 | 42097.08 | 42351.69 | 42607.8 | 42865.42 | 43124.56 | 43385.22 | 43647.41 | 43911.14 | 44176.43 | |||
| 1984 | 37678.49 | 37907.11 | 38137.08 | 38368.4 | 38601.09 | 38835.14 | 39070.57 | 39307.38 | 39545.59 | |||
| 1985 | 33713.73 | 33919.04 | 34125.55 | 34333.28 | 34542.23 | 34752.4 | 34963.82 | 35176.47 | 35390.38 | |||
| 1986 | 30153.53 | 30337.9 | 30523.34 | 30709.88 | 30897.52 | 31086.26 | 31276.11 | 31467.07 | 31659.16 | |||
| 1987 | 26962.99 | 27128.59 | 27295.16 | 27462.71 | 27631.24 | 27800.77 | 27971.29 | 28142.82 | 28315.36 | |||
| 1988 | 24116.75 | 24265.61 | 24415.34 | 24565.95 | 24717.44 | 24869.83 | 25023.12 | 25177.3 | 25332.39 | |||
| 1989 | 21542.13 | 21675.84 | 21810.34 | 21945.63 | 22081.71 | 22218.6 | 22356.29 | 22494.79 | 22634.1 | |||
| 1990 | 19250.6 | 19370.83 | 19491.77 | 19613.42 | 19735.79 | 19858.87 | 19982.68 | 20107.22 | 20232.49 | |||
| 1991 | 17213.47 | 17321.72 | 17430.61 | 17540.13 | 17650.3 | 17761.12 | 17872.59 | 17984.72 | 18097.51 | |||
| 1992 | 15405.88 | 15503.5 | 15601.69 | 15700.46 | 15799.81 | 15899.74 | 16000.26 | 16101.38 | 16203.06 | |||
| 1993 | 13804.87 | 13893.07 | 13981.79 | 14071.03 | 14160.79 | 14251.09 | 14341.91 | 14433.27 | 14525.17 | |||
| 1994 | 12376.01 | 12455.81 | 12536.07 | 12616.81 | 12698.02 | 12779.71 | 12861.88 | 12944.53 | 13027.67 | |||
| 1995 | 11107.83 | 11180.16 | 11252.92 | 11326.11 | 11399.73 | 11473.79 | 11548.28 | 11623.2 | 11698.57 | |||
| 1996 | 9983.1 | 10048.82 | 10114.93 | 10181.43 | 10248.31 | 10315.59 | 10383.27 | 10451.34 | 10519.82 | |||
| 1997 | 8984.62 | 9044.47 | 9104.67 | 9165.22 | 9226.13 | 9287.4 | 9349.03 | 9411.02 | 9473.38 | |||
| 1998 | 8095.17 | 8149.79 | 8204.73 | 8259.99 | 8315.57 | 8371.48 | 8427.72 | 8484.3 | 8541.2 | |||
| 1999 | 7303.28 | 7353.23 | 7403.49 | 7454.03 | 7504.88 | 7556.02 | 7607.47 | 7659.21 | 7711.26 | |||
| 2000 | 6609.7 | 6655.58 | 6701.72 | 6748.14 | 6794.84 | 6841.8 | 6889.05 | 6936.57 | 6984.37 | |||
| 2001 | 5989.18 | 6031.41 | 6073.89 | 6116.62 | 6159.59 | 6202.83 | 6246.31 | 6290.05 | 6334.05 | |||
| 2002 | 5430.99 | 5469.93 | 5509.11 | 5548.51 | 5588.15 | 5628.02 | 5668.12 | 5708.46 | 5749.04 | |||
| 2003 | 4927.58 | 4963.57 | 4999.76 | 5036.17 | 5072.79 | 5109.63 | 5146.69 | 5183.96 | 5221.45 | |||
| 2004 | 4468.1 | 4501.38 | 4534.85 | 4568.53 | 4602.4 | 4636.47 | 4670.74 | 4705.22 | 4739.89 | |||
| 2005 | 4045.53 | 4076.32 | 4107.3 | 4138.46 | 4169.8 | 4201.33 | 4233.04 | 4264.94 | 4297.03 | |||
| 2006 | 3655.14 | 3683.64 | 3712.31 | 3741.15 | 3770.15 | 3799.33 | 3828.67 | 3858.19 | 3887.89 | |||
| 2007 | 3294.49 | 3320.86 | 3347.4 | 3374.09 | 3400.93 | 3427.94 | 3455.1 | 3482.42 | 3509.91 | |||
| 2008 | 2961.3 | 2985.71 | 3010.28 | 3034.98 | 3059.83 | 3084.83 | 3109.98 | 3135.27 | 3160.71 | |||
| 2009 | 2653.48 | 2676.09 | 2698.83 | 2721.7 | 2744.71 | 2767.86 | 2791.14 | 2814.55 | 2838.11 | |||
| 2010 | 2369.1 | 2390.04 | 2411.1 | 2432.28 | 2453.59 | 2475.02 | 2496.58 | 2518.26 | 2540.07 | |||
| 2011 | 2106.39 | 2125.78 | 2145.28 | 2164.9 | 2184.63 | 2204.48 | 2224.45 | 2244.53 | 2264.73 | |||
| 2012 | 1863.48 | 1881.44 | 1899.51 | 1917.68 | 1935.96 | 1954.35 | 1972.84 | 1991.45 | 2010.16 | |||
| 2013 | 1640.28 | 1656.93 | 1673.68 | 1690.52 | 1707.47 | 1724.51 | 1741.65 | 1758.9 | 1776.24 | |||
| 2014 | 1435.51 | 1450.95 | 1466.49 | 1482.11 | 1497.83 | 1513.64 | 1529.54 | 1545.54 | 1561.63 | |||
| 2015 | 1247.71 | 1262.04 | 1276.47 | 1290.98 | 1305.57 | 1320.25 | 1335.01 | 1349.87 | 1364.81 | |||
| 2016 | 1075.39 | 1088.72 | 1102.12 | 1115.6 | 1129.16 | 1142.81 | 1156.53 | 1170.33 | 1184.21 | |||
| 2017 | 917.29 | 929.68 | 942.15 | 954.69 | 967.31 | 980 | 992.76 | 1005.6 | 1018.51 | |||
| 2018 | 771.62 | 783.16 | 794.77 | 806.44 | 818.19 | 830 | 841.88 | 853.83 | 865.85 | |||
| 2019 | 636.68 | 647.43 | 658.24 | 669.11 | 680.04 | 691.04 | 702.11 | 713.24 | 724.43 | |||
| 2020 | 511.88 | 521.89 | 531.96 | 542.09 | 552.28 | 562.53 | 572.84 | 583.21 | 593.64 | |||
| 2021 | 396.2 | 405.53 | 414.92 | 424.36 | 433.85 | 443.41 | 453.01 | 462.68 | 472.4 | |||
| 2022 | 288.4 | 297.1 | 305.85 | 314.64 | 323.5 | 332.4 | 341.35 | 350.36 | 359.42 | |||
| 2023 | 187.93 | 196.03 | 204.19 | 212.39 | 220.64 | 228.93 | 237.28 | 245.68 | 254.12 | |||
| 2024 | 94.28 | 101.84 | 109.44 | 117.08 | 124.77 | 132.5 | 140.28 | 148.11 | 155.98 | |||
| 2025 | 7 | 14.04 | 21.12 | 28.25 | 35.41 | 42.62 | 49.87 | 57.17 | 64.5 |
Note:
Basis Used
| From | To | Interest* | From | To | Interest* | From | To | Interest* | ||
| 1.1.82 | 31.12.82 | 10% | 01.04.2012 | 31.03.2013 | 8.80% | 1.4.2019 | 30.6.2019 | 8.00% | ||
| 1.1.83 | 31.12.86 | 11% | 1.4.2013 | 31.03.2016 | 8.70% | 1.7.2019 | 30.9.2019 | 7.90% | ||
| 1.1.87 | 31.12.00 | 12% | 01.04.2016 | 30.09.2016 | 8.70% | 1.10.2019 | 31.12.2019 | 7.90% | ||
| 1.1.01 | 31.12.01 | 11% | 01.10.2016 | 31.12.2016 | 8.70% | 1.1.2020 | 31.03.2020 | 7.90% | ||
| 1.1.02 | 31.12.02 | 9.50% | 01.01.2017 | 31.03.2017 | 8.00% | 1.4.2020 | 31.12.2022 | 7.10% | ||
| 1.1.03 | 31.12.03 | 9.00% | 01.04.2017 | 30.06.2017 | 7.90% | 1.1.2023 | 31.03.2023 | 7.10% | ||
| 1.1.04 | 30.11.11 | 8.00% | 01.07.2017 | 31.12.2017 | 7.80% | 1.4.2023 | 30.6.2023 | 7.10% | ||
| 1.12.11 | 31.03.12 | 8.60% | 01.01.2018 | 30.09.2018 | 7.60% | 1.7.2023 | 30.09.2023 | 7.10% | ||
| 1.10.2018 | 31.12.2018 | 8.00% | 1.10.2023 | 31.03.2024 | 7.10% | |||||
| 1.1.2019 | 31.03.2019 | 8.00% | 1.04.2024 | 30.09.2025 | 7.10% |
* Interest p.a compounded quarterly
Savings Fund : 68.75% from 1.1.82 to 31.12.87
70% from 1.1.88 and onwards
Insurance Fund: 31.25% from 1.1.82 to 31.12.87
30% from 1.1.88 and onwards
COMMENTS