EDAGIS-1992 से GDSGIS-2010 के लिए वित्तीय वर्ष 2025-26 की तीसरी तिमाही (अक्टूबर-दिसंबर 2025) के लिए लाभ तालिका
The Department of Posts, under the Ministry of Communications, has released the official Table of Benefit for the EDAGIS-1992 and GDSGIS-2010 schemes for the 3rd Quarter of Financial Year 2025–26, covering the period from 1 October 2025 to 31 December 2025. The circular comes from the Office of the Director, Postal Life Insurance (PLI), Kolkata, via communication No. PI/Fund A/Cs/EDA/GDS/Table of Benefit/25-26 dated 24 October 2025.
Purpose of the Benefit Table: To accurately calculate claim settlements for Extra-Departmental Agents (EDAs) and Gramin Dak Sevaks (GDS) arising due to death, resignation, retirement, promotion, or cessation of membership under the respective schemes.
What the Circular Includes
The enclosed tables specify: Accumulated benefits for each year of entry under the schemes
Quarter-wise benefit values for October, November, and December 2025.
- Applicable interest rates for each contribution period
- Separate benefit values for:
- EDAGIS-1992 (Contribution ₹ 10/month)
- GDSGIS-2010 (Contribution ₹ 50/month)
The tables are to be used by all Postal Accounts Offices and Divisional Heads for correct settlement of claims.
GDSGIS-2010: Table of Benefit (3rd Quarter 2025–26)
The GDSGIS-10 scheme provides insurance and savings benefits to Gramin Dak Sevaks contributing ₹50 per month, of which ₹ 32.50 goes to the Savings Fund.
Key Highlights from Page 3 of the PDF:
- Interest rates vary from 12% (1992–2000) to 7.1% (2020–2025).
- Accumulated savings increase month-by-month (Oct → Nov → Dec) for claim settlement.
Example Values:
| Year of Entry | Oct 2025 | Nov 2025 | Dec 2025 |
|---|---|---|---|
| 1992–93 | ₹23,756 | ₹23,929 | ₹24,101 |
| 2000–01 | ₹15,538 | ₹15,661 | ₹15,786 |
| 2010–11 | ₹11,575 | ₹11,675 | ₹11,776 |
| 2025–26 | ₹232 | ₹265 | ₹299 |
EDAGIS-1992: Table of Benefit (3rd Quarter 2025–26)
The EDAGIS-92 scheme applies to ED Agents who contribute ₹10 per month, with ₹6.25 allocated to the Savings Fund.
Key Highlights from Page 4 of the PDF:
- Interest rates remain aligned with long-term GDS savings history (12% at inception → 7.1% today).
- Benefit amounts are provided for all years of entry from 1992 onwards.
Example Values:
| Year of Entry | Oct 2025 | Nov 2025 | Dec 2025 |
|---|---|---|---|
| 1992–93 | ₹14,408 | ₹14,499 | ₹14,590 |
| 2003–04 | ₹4,605 | ₹4,639 | ₹4,672 |
| 2015–16 | ₹1,192 | ₹1,204 | ₹1,217 |
| 2025–26 | ₹45 | ₹51 | ₹58 |
Circulation & Implementation
The circular (Page 1–2) has been forwarded to:
- All 23 Postal Circles across India
- Postal Accounts Offices
- Divisional Heads handling GDS/EDA claims
They are instructed to use the updated benefit tables for processing claims arising during:
01 October 2025 → 31 December 2025.
The Postal Life Insurance Directorate’s quarterly release of benefit tables ensures fair, accurate, and transparent claim settlement under the EDAGIS-1992 and GDSGIS-2010 schemes. With clear interest trends and updated savings calculations, the 3rd Quarter 2025–26 benefits help all postal units process claims with precision.
This structured and actuarially-backed system continues to support thousands of GDS and EDA employees nationwide.
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