CGEGIS 1980 Benefits 2025: Quarterly Savings Fund Tables & Interest Rates for Central Govt Employees

Central Government Employees Group Insurance Scheme (CGEGIS) 1980 – Detailed Breakdown of Benefits for 1st Quarter 2025

The Government of India, under the Ministry of Finance, has released the latest Tables of Benefits for the Central Government Employees Group Insurance Scheme (CGEGIS) 1980 for the 1st quarter of 2025 (January to March). This update is crucial for central government employees and beneficiaries to understand their accumulated savings fund under the scheme.

Key Highlights of CGEGIS 2025 Quarterly Update

Interest Rate: The savings fund for this quarter is calculated at an annual interest rate of 7.1%, compounded quarterly, as notified by the Department of Economic Affairs.

Two Contribution Categories:

• Table 1: For employees contributing ₹10/month (1982–1989) and ₹15/month (from 1990 onwards).
• Table 2: For employees who opted out of the revised rate and continued at ₹10/month throughout.

Applicability: The scheme covers all central government employees, including those in the Indian Audit and Accounts Department, in consultation with the C&AG of India.

Detailed Tables of Benefits for Savings Fund (2025)

The accumulated value varies based on the year of entry and month of cessation (Jan–Mar 2025). Below are key examples:

For Employees Contributing ₹10/month Throughout

Year of Entry	Jan 2025	Feb 2025	Mar 2025
1982	₹46,995.70	₹47,279.13	₹47,564.23
1990	₹19,250.60	₹19,370.83	₹19,491.77
2010	₹2,369.10	₹2,390.04	₹2,411.10
2025	₹7.00	₹14.04	₹21.12

For Employees Contributing ₹10 (till 1989) & ₹15 (from 1990)

Year of Entry	Jan 2025	Feb 2025	Mar 2025
1982	₹56,627.03	₹56,970.61	₹57,316.21
1990	₹28,887.48	₹29,067.90	₹29,249.38
2010	₹3,553.66	₹3,585.06	₹3,616.65
2025	₹10.50	₹21.06	₹31.69

Historical Interest Rates & Fund Allocation

• Interest Rates: Varied from 10% (1982) to 7.1% (2023–2025).
• Savings Fund Allocation: 68.75% (1982–1987) → 70% (from 1988 onwards).
• Insurance Fund Allocation: 31.25% (1982–1987) → 30% (from 1988 onwards).

Why This Update Matters for Government Employees?

• Retirement Planning: Helps estimate maturity benefits upon cessation of service.
• Transparency: Quarterly updates ensure accurate calculations based on current interest rates.
• Compliance: Aligns with Ministry of Finance and IRDA guidelines.

Conclusion

The CGEGIS 1980 remains a vital social security scheme for central government staff. Employees should refer to these quarterly tables to track their savings fund growth and plan their financial future accordingly.

Also read :Grant of Non-Productivity Linked Bonus (ad-hoc bonus) to Central Government Employees

Keywords: CGEGIS 1980, Central Government Employees Insurance Scheme, Group Insurance Savings Fund 2025, Ministry of Finance India, Government Employee Benefits, Quarterly Interest Rates 2025, IRDA Notified Rates, Retirement Benefits for Govt Staff.

For further details, refer to the official memorandum (No. 7(1)/EV/2023 dated 26/03/2025) issued by the Department of Expenditure, Government of India.

Also read :DA Hike: Dearness Allowance Of Central Govt Employees Raised by 4% to 38%

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