7th Pay Commission CGEGIS: CGEGIS Table, Subscription Rates, Deductions, and Calculator

7th Pay Commission Central Government Employees Group Insurance Scheme (CGEGIS)

CGEGIS Calculator on Retirement

Year of Cessation of Membership 2022
Contribution Rs.10	Rs.
Contribution Rs.10 and 15	Rs.

[Note: All the figures are based on the table] [The above tool shows the maturity value as per the latest benefit table for October to December 2021]

The Central Government Employees Group Insurance Scheme (CGEGIS), which falls under the purview of the 7th Pay Commission, is a comprehensive and self-financing scheme. Under this scheme, all central government employees contribute a certain percentage of their salary to the insurance fund, which is then used to provide them with life insurance coverage, as well as other benefits. The scheme is designed to be sustainable and financially independent, with no external funding required. It provides a safety net for government employees and their families, ensuring that they have access to financial support in the event of an untoward incident.

Central Government Employees Group Insurance Scheme

The Central Government Employees Group Insurance Scheme is a program where a portion of an employee’s monthly contributions is credited to a Savings Fund that accrues interest. Upon entering government service, an employee must submit an application in Form No. 4 to their Head of Office, who will then issue a sanction for the payment of the subscriber’s accumulation in the Savings Fund along with interest. Once the employee retires, arrangements will be made for the disbursement of the accumulated funds. Payment for this Scheme is made according to the Table of Benefits issued by the Department of Expenditure, which considers interest accrued up to the date of cessation of service. In the event of the subscriber’s death, insurance cover benefits are available to their family members.

CGEGIS Retirement Benefits Calculator

Central Government Employees Group Insurance Scheme Calculator is used for finding the benefit of the fund value of the particular period. The CGEGIS Table Calculator for searching the maturity value of the fund in any previous period. CGEGIS Calculation Table 2019 is available here in pdf format.

CGEGIS Benefits Table PDF 2023

CGEGIS Benefits Table PDF 2022

CGEGIS Benefits Table PDF 2021

CGEGIS Benefits Table PDF 2020

CGEGIS Benefits Table PDF 2019

CGEGIS Benefits Table PDF 2018

What is CGEGIS Scheme?

Central Government Employees Group Insurance Scheme (CGEGIS) is one of the savings with a secure plan for all groups of Central Government Employees. The scheme is mandatory and if an employee dies in service, the amount of insurance coverage is provided to the nominee of the employee. CGEGIS is intended to provide for the Central Government employees, at a meager amount and on a wholly contributory and self-financing basis, the double benefits of an insurance cover to help their families in the event of a death in service and a lump-sum payment to augment their resources on retirement.

How to calculate CGEGIS retirement benefits?

The maturity amount of savings funds in the CGEGIS Scheme is calculated based on the latest benefits table issued by the Finance Ministry. Every three months (January to March, April to June, July to September, and October to December) the Department of Expenditure issued a table of benefits of savings fund in the scheme. According to the table of benefits, the exact maturity amount is granted to the employee at the time of retirement. Click to calculate through our exclusive online free tool given on the webpage.

7th Pay Commission Recommendations on CGEGIS

Subsequent to the implementation of the 3rd CPC recommendations, Central Government Employees Group Insurance Scheme (CGEGIS) was notified in 1980 and came into force w.e.f. 1 January 1982.

The scheme serves the twin objectives of (a) providing a lump-sum amount to the families in case of an employee’s death and (b) a lump-sum payment to the employee on cessation of employment, both on a wholly contributory and self-financing basis.

CGEGIS Subscription Rates for Group A B C D

CGEGIS Subscription Rates after 7th Pay Commission: CGEGIS Contribution rates as per the classification of posts A, B, C, and D (Group D is abolished). The old subscription rates only continued for all Central Govt employees. The Govt not yet decided and published new revised rates of subscription for CGEGIS. The old subscription rate table is given below:

The monthly subscription for the pay matrix levels 1 to 5 is Rs. 30,  the pay matrix level 6 to 9 is Rs. 60, and the pay matrix level 10 and above is Rs. 120..

CGEGIS comprises a Savings Fund and an Insurance Fund in the ratio of 70:30. The present rates of deduction, insured amount, and savings units are as follows:

Table 1: Present Rates of CGEGIS

Recently the IRTSA demanded to revise the coverage and monthly subscription as per the recommendations of the 110th report on CPENGRAMS. [Click here to read more]

Demands Before 7th CPC on CGEGIS

The Commission has received numerous representations from various stakeholders stating that the Monthly Deduction, as well as the Insurance Amount, have remained unchanged since 1990. In the present context, they are too low and should be increased.

7th CPC Analysis and Recommendations on CGEGIS

As a logical comparator, the Commission considered the rates under Army Group Insurance Fund (AGIF), which have become applicable w.e.f. 01.09.2013. These are as follows:

Present Rate of AGIF

The Commission also took into view the fact that the pay of Defence personnel is by and large higher than that of Civilian employees of a comparable level. Hence, with suitable modifications for Civilian employees, the following rates of CGEGIS are recommended:

Recommended Rates of CGEGIS

History of CGEGIS

The history of the Central Government Employees Group Insurance Scheme (CGEGIS) has been reviewed by the Commission, which has taken note of the Tables of Benefits published by the Ministry of Finance based on the mortality rate of 3.75 per thousand per annum up to 31.12.1987 and 3.60 per thousand per annum thereafter. However, the V CPC report published in January 1997 highlighted that the mortality rate, life expectancy, and health delivery systems have improved over time. Therefore, a detailed review of the current mortality rates with a view to revising the apportionment between the Savings and Insurance Funds was recommended, along with a ratio of Savings Fund to Insurance Fund of 75:25 and appropriate machinery for periodical review of the mortality rates and adjustment of the apportionment ratio. Since then, all three factors have further improved over the course of nearly twenty years. The Commission recommends an interim measure to modify the ratio of Savings Fund to Insurance Fund from 70:30 to 75:25, and undertake periodical reviews of mortality rates for suitable adjustment of the apportionment ratio. The Tables of Benefits may be modified accordingly.

Government Decision on CGEGIS

The decision of the government regarding the Central Government Employees Group Insurance Scheme (CGEGIS) does not align with the proposed recommendations. The recommendation emphasized the substantial insurance coverage for Central Government employees, ranging from Rs. 15 to 50 lakhs, but it was observed that the subscription rates were excessively high. In response, the government will be introducing a revised scheme for all groups, including a, b, and c group, of Central Government employees in a timely manner.

Latest CGEGIS Table of Benefits 2023

CGEGIS Circulars & Top Developments on CGEGIS | FAQ related to CGEGIS Scheme | CGEGIS Table of Benefits 2014 to 2023

• Revision of Central Government Employees Group Insurance Scheme (CGEGIS) is long overdue!
• Enhancement of Insurance Coverage under CGEGIS – BPMS
• CGEGIS Table from Jan to Mar 2018
• CGEGIS Savings Fund Benefits Calculator (Updated)
• CGEGIS Tables Benefits for Savings Fund – Period from 01.10.2017 to 31.12.2017
• CGEGIS Tables of Benefits for Savings Fund (Period from 01.07.2017 to 30.09.2017)
• CGEGIS Table: Tables of Benefits for the savings fund for the period from 01.04.2017 to 30.06.2017
• Simplification of procedure for payment of CGEGIS dues – Finmin Orders
• CGEGIS Table 2017 – Benefits for the period from 1.1.2017 to 31.3.2017
• Central Government Employees Group Insurance Scheme 1980: Annual Report for the year 2017
• CGEGIS was Modified by 7th CPC to give a High-Risk Cover, but Govt ignored
• 7th CPC Recommendation on CGEGIS is not accepted by Govt
• CGEGIS Table 2016 – Finmin issued tables of Benefits for the savings fund for the period from 01.01.2016 to 31.12.2016
• Unjustified deduction for Group insurance Scheme in 7th Pay Commission Report – IRTSA
• 7th CPC CGEGIS: Illogical recommendation of 7th CPC
• 7th Pay Commission Recommendations on CGEGIS
• CGEGIS Table 2015 – Tables of Benefits for the savings fund for the period from 1.1.2015 to 31.12.2015
• CGEGIS 1980: Annual report including CGEGIS subscribers for the year 2014

What is CGEGIS and benefits?

The full form of CGEGIS is Central Government Employees Group Insurance Scheme and it is for the employees working in Central Government Services only. The insurance amount will benefit while retiring or in case of death.

What are the rates of CGEGIS after the 7th Pay Commission?

7th Pay Commission recommended new subscription rates for CGEGIS, but Central Govt did not accept the recommendation.

What is the ratio of CGEGIS?

CGEGIS comprises a Savings Fund and an Insurance Fund in the ratio of 70:30.

How is CGEGIS benefit calculated?

The maturity amount will be calculated as per the fitment table issued by the Finance Ministry every quarter.

What is AGIF?

Army Group Insurance Fund (AGIF) for Armed Forces Personnel applicable from September 2013.the ratio of CGEGIS?

How to calculate CGEGIS final payment on retirement?

The Department of Expenditure is publishing the benefit of the table with the cumulative fund amount. We can find out the exact maturity and final payment of the scheme from the latest table on retirement.