The Ministry of Finance, Department of Expenditure has issued the latest Central Government Employees Group Insurance Scheme (CGEGIS)-1980 Tables of Benefits applicable for the period 1 April 2026 to 30 June 2026. These quarterly tables help Central Government employees determine the accumulated value of the Savings Fund component payable upon retirement, resignation, death while in service, or cessation of membership under the scheme.
The latest Office Memorandum (OM) dated 11 May 2026 has been issued under No. 7(1)/EV/2023 and contains revised benefit tables calculated using the applicable interest rate notified by the Government of India.
What is CGEGIS?
The Central Government Employees Group Insurance Scheme (CGEGIS), 1980 provides two major financial benefits to Central Government employees:
- Life Insurance Cover for the family in case of death during service.
- Savings Fund accumulation payable on retirement or cessation from service.
Every month, a prescribed subscription is deducted from the employee’s salary. A portion goes towards insurance while the remaining amount is invested in the Savings Fund. On retirement, the accumulated Savings Fund along with applicable interest is paid to the employee.
Key Highlights of the April–June 2026 Tables
- Office Memorandum Date: 11 May 2026
- Applicable Period: 1 April 2026 to 30 June 2026
- Issued By: Ministry of Finance, Department of Expenditure
- Interest Rate: 7.1% per annum (compounded quarterly)
- Authority for Interest Rate: Department of Economic Affairs Resolution
- Scheme Covered: CGEGIS-1980
Two Separate Benefit Tables
The quarterly tables are prepared by considering the applicable Government-notified interest rate and enable Drawing and Disbursing Officers (DDOs) to calculate the exact Savings Fund amount payable to employees leaving service during the quarter.
The Office Memorandum contains two distinct tables.
Table-I
Applicable for employees who contributed:
- ₹10 per month from 1 January 1982 to 31 December 1989
- ₹15 per month from 1 January 1990 onwards
This is applicable to the majority of Central Government employees.
Table-II
Applicable to employees who opted to continue paying:
- ₹10 per month even after 1 January 1990
Only employees who exercised this option should refer to this table.
Download Official CGEGIS Table PDF
Why These Tables Matter
The CGEGIS Tables of Benefits are the official basis for determining the Savings Fund amount payable under the scheme. Instead of manually calculating compound interest for several decades, the Government publishes quarterly tables that provide ready-to-use values.
These tables are extensively used by:
- Drawing & Disbursing Officers (DDOs)
- Pay & Accounts Offices
- Pension Sanctioning Authorities
- Retiring Central Government Employees
- Family members in death claim cases
Who Should Use the April–June 2026 Tables?
The latest tables should be used if an employee:
- Retires between 1 April and 30 June 2026
- Takes voluntary retirement during this period
- Resigns from Government service
- Dies while in service
- Otherwise ceases membership under CGEGIS during the applicable quarter
How to Read the Table
The process is simple.
- Identify your year of entry into the CGEGIS.
- Locate the month in which you retire or cease membership.
- Read the corresponding accumulated Savings Fund value from the table applicable to your subscription category.
The figure shown represents the Savings Fund accumulation payable under the scheme.
Interest Rate Used
The benefit tables have been calculated using an interest rate of:
7.1% per annum (compounded quarterly)
This rate has been adopted based on the notification issued by the Department of Economic Affairs and applied uniformly for the second quarter of 2026.
Important Points for Employees
- Use only the table applicable to your subscription category.
- Always use the table corresponding to your retirement quarter.
- Previous quarter tables should not be used for employees retiring after 31 March 2026.
- DDOs should verify the employee’s subscription history before determining the final benefit amount.
Frequently Asked Questions (FAQs)
Is this applicable to all Central Government employees?
Yes. It applies to employees covered under CGEGIS-1980.
Can pensioners use this table?
Only if their retirement or cessation falls between 1 April 2026 and 30 June 2026.
Has the subscription amount changed?
No. The Office Memorandum only updates the quarterly benefit tables based on the notified interest rate.
Is the insurance amount revised?
No. This OM deals only with the Savings Fund tables and does not revise insurance cover.
Where can I download the official PDF?
You can download it from the Ministry of Finance website or through the alternate reference link provided above.
Conclusion
The release of the CGEGIS Tables of Benefits for April–June 2026 ensures that retiring Central Government employees receive the correct Savings Fund accumulation based on the latest notified interest rate. Employees scheduled to retire during this quarter should verify their applicable benefit table and retain a copy of the Office Memorandum for future reference.
For accurate settlement of retirement benefits, Drawing & Disbursing Officers and employees should always rely on the latest quarterly tables issued by the Ministry of Finance.
The article is based on the latest Ministry of Finance Office Memorandum dated 11 May 2026, which provides the official CGEGIS benefit tables for the period 1 April 2026 to 30 June 2026.