SEO Details (for the website team)
| Field | Value |
|---|---|
| SEO Title | CGEGIS Table of Benefits July–September 2026: Savings Fund at 7.1% |
| Description | Ministry of Finance issues CGEGIS-1980 Tables of Benefits for 01.07.2026 to 30.09.2026 at 7.1% interest. DoP forwards it to all Circles. Key points and sample values. |
| URL Slug | /cgegis-1980-table-of-benefits-july-september-2026 |
| Focus Keyword | India Post Circulars |
| Secondary Keywords | CGEGIS Table 2026, Central Government Employees Group Insurance Scheme, India Post Latest News, India Post GK, India Post Departmental Exam |
| Category | India Post Circulars / Pay & Benefits |
| Image Alt Text | CGEGIS 1980 table of benefits savings fund July to September 2026 |
Quick tips: CGEGIS posts get steady search traffic every quarter from employees about to retire. Use the quarter (July–September 2026) in the title. Place one Google Ads unit after the quick facts and one before the FAQ. Add FAQ schema. Link to your previous and next quarter CGEGIS posts.
New CGEGIS Tables for the July–September 2026 Quarter
The Ministry of Finance (Department of Expenditure) has released the new Tables of Benefits for the Savings Fund under the Central Government Employees Group Insurance Scheme (CGEGIS) 1980. These tables apply to employees who leave service (retire, resign or otherwise cease membership) between 1 July 2026 and 30 September 2026.
The Department of Posts has forwarded this to all Circles, units and accounts offices for information and action, so that postal employees get the correct amount.
Quick Facts
- Scheme: Central Government Employees Group Insurance Scheme, 1980 (CGEGIS)
- Period covered: 01.07.2026 to 30.09.2026
- Interest rate used: 7.1% per annum, compounded quarterly
- Rate notified by: Department of Economic Affairs, Resolution No. 5(3)-B(PD)/2023 dated 03.07.2026
- Worked out by: IRDA
- Finance Ministry OM: No. 7(1)/EV/2023 dated 06.08.2026 (signed by Shri Praveen Ranjan, Director)
- DoP forwarding letter: No. PP-28/1/2022-PAP-DOP dated 14.10.2026 (signed by Shri Gurvinder Singh, ADG (PAP))
What is CGEGIS, in simple words?
CGEGIS is a group insurance scheme for Central Government employees. A small amount is cut from salary every month. Part of it goes to an Insurance Fund (for cover in case of death in service) and part to a Savings Fund. When you leave service, you get back your Savings Fund amount with interest. These quarterly tables tell accounts offices exactly how much that savings amount has grown to.
The Two Tables
As usual, there are two tables:
| Table | Who it is for | Subscription basis |
|---|---|---|
| Table 1 | Employees who opted out of the revised subscription rate from 1.1.1990 | Rs. 10 per month throughout |
| Table 2 | All other members (the normal case) | Rs. 10 per month from 1.1.1982 to 31.12.1989, and Rs. 15 per month from 1.1.1990 onwards |
Each table shows the accumulated savings value for every year of entry (1982 to 2026) and month of leaving (July, August or September 2026).
Sample values from Table 2 (per unit, month of leaving: July 2026)
| Year of joining the scheme | Savings fund value (Rs.) |
|---|---|
| 1982 | 63,130.60 |
| 2000 | 11,217.65 |
| 2005 | 6,942.69 |
| 2010 | 4,148.07 |
| 2015 | 2,278.69 |
| 2020 | 1,052.06 |
| 2025 | 210.42 |
| 2026 | 74.81 |
For example, under Table 2, a member who joined in 2025 and leaves in September 2026 has a value of Rs. 233.97 per unit; one who joined in 2026 has Rs. 96.75.
How to use it: The table value is for one unit of subscription. Your actual amount = table value × the number of units you subscribe (which depends on your group). Your accounts office or DDO will do the exact calculation.
Note: These sample figures are read from the scanned official tables. Always use the official tables for the final calculation.
Other details in the tables
- The share of subscription going to the Savings Fund is 68.75% (1.1.1982 to 31.12.1987) and 70% from 1.1.1988 onwards. The rest goes to the Insurance Fund.
- The tables also list the past interest rates used since 1982 – from 10–12% in the 1980s to 7.1% now.
Who Needs This?
- Postal employees retiring, resigning or leaving service between July and September 2026 – your CGEGIS savings amount will be worked out from these tables.
- DDOs, Postmasters and Postal Accounts offices who settle final dues.
- Families of employees who need to check final payments.
If you left service in this quarter, check with your DDO that your CGEGIS amount has been calculated using these new tables.
For Exam Aspirants
Topics like CGEGIS, GPF, leave rules and retirement benefits often come up in departmental exams such as MTS to PA, Postman to PA and IP/PA papers. Remember: CGEGIS started in 1980 (effective from 1.1.1982), and the current savings fund interest rate is 7.1% per annum, compounded quarterly.
Preparing for GDS to MTS, MTS to PA or Postman to PA? Our MTS to PA Online Classes, India Post Mock Tests and India Post Study Material explain service rules like CGEGIS in simple language.
FAQ
Q1. What period do these CGEGIS tables cover? Employees whose membership ends between 1 July 2026 and 30 September 2026.
Q2. What interest rate is used? 7.1% per annum, compounded quarterly.
Q3. Why are there two tables? Table 2 is for the normal case (Rs. 10 per month till 1989 and Rs. 15 from 1990). Table 1 is for those who opted out of the 1990 revised rate and kept paying Rs. 10.
Q4. Who issued the tables? The Ministry of Finance, Department of Expenditure (OM dated 06.08.2026). The Department of Posts forwarded them on 14.10.2026.
Q5. How do I calculate my amount? Find your year of entry and month of leaving in the right table, then multiply by the number of units you subscribe. Your DDO or accounts office will confirm the final amount.