CGEGIS तालिका: अंशदान दरें, कटौतियाँ और कैलकुलेटर 2026
7th Pay Commission CGEGIS CGEGIS Table Subscription Rates Deductions and Calculator: 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.
CGEGIS Benefit Tables for 1.4.2026 to 30.6.2026 – Quarterly Savings Fund Benefits Released
The Government of India has released the latest Central Government Employees Group Insurance Scheme (CGEGIS)-1980 Benefit Tables applicable for the period from 1 April 2026 to 30 June 2026. These tables provide the updated savings fund benefits payable to Central Government employees and their beneficiaries under the CGEGIS scheme.
The Ministry of Finance has clarified that these benefit tables are issued on a quarterly basis, in continuation of the system introduced from 1 January 2017 through the Office Memorandum dated 17.03.2017. The newly released tables cover the second quarter of the financial year 2026-27 and have been calculated based on the interest rate determined by the Insurance Regulatory and Development Authority (IRDA).
Interest Rate Fixed at 7.1% Per Annum
The benefit calculations for this quarter are based on an interest rate of 7.1% per annum compounded quarterly. This rate has been notified by the Department of Economic Affairs under Resolution No. 5(3)-B(PD)/2023. The quarterly compounding ensures that the accumulated savings fund amount reflects the latest approved government interest structure.
The CGEGIS savings fund is an important financial security component for Central Government employees, providing lump-sum benefits at the time of retirement, cessation of service, or to the nominees in case of the employee’s demise while in service.
Two Separate Categories of Benefit Tables
As per the existing practice, the Ministry has issued two different categories of benefit tables based on the rate of monthly subscription opted by employees under the scheme.
1. Standard Revised Subscription Table
The first table applies to employees who contributed:
- Rs.10 per month from 1 January 1982 to 31 December 1989, and
- Rs.15 per month from 1 January 1990 onwards.
This revised subscription structure was introduced to enhance the savings accumulation and insurance coverage for employees under the scheme.
2. Old Subscription Option Table
The second table is meant for employees who had chosen to continue under the old subscription rate and had opted out of the revised contribution structure from 1 January 1990.
For such employees, the savings fund calculations continue to be based on:
- Rs.10 per month subscription throughout the period.
This separate table ensures that employees who retained the old contribution option receive benefits calculated accurately according to their chosen subscription pattern.
Importance of CGEGIS Benefit Tables
The quarterly CGEGIS tables are highly useful for:
- Central Government employees nearing retirement,
- Accounts and administrative departments,
- Pension sanctioning authorities,
- Family members and nominees of employees,
- Financial planning and retirement benefit calculations.
These tables help employees estimate the approximate maturity value of their savings fund under the CGEGIS scheme for the relevant quarter.
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.
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
After the implementation of the 3rd CPC recommendations, the 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 government has 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 levels 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 a ratio of 70:30. The present rates of deduction, insured amount, and savings units are as follows:
Table 1: Present Rates of CGEGIS
| Group | Monthly Deduction (Rs.) | Insurance Amount (Rs.) | No. of Units (for Savings) |
| A | 120 | 1,20,000 | 8 |
| B | 60 | 60,000 | 4 |
| C | 30 | 30,000 | 2 |
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, has 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 the Army Group Insurance Fund (AGIF), which have become applicable w.e.f. 01.09.2013. These are as follows:
Present Rate of AGIF
| Group | Monthly Deduction (Rs.) | Insurance Amount (Rs.) |
| Officers | 5000 | 50,00,000 |
| JCOs/ Ors | 2500 | 25,00,000 |
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
| 7th Pay Level of Employee | Monthly Deduction (Rs.) | Insurance Amount (Rs.) |
| Pay Level 10 and above | 5000 | 50,00,000 |
| Pay Level 6 to 9 | 2500 | 25,00,000 |
| Pay Level 1 to 5 | 1500 | 15,00,000 |
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 to revise 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 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 groups, of Central Government employees promptly.
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