# Central Government Employees Group Insurance Scheme (CGEGIS-1980): Updated Benefit Tables for Q2 2026
The Department of Posts, under the Ministry of Communications, has circulated the updated Tables of Benefits for the **Central Government Employees Group Insurance Scheme (CGEGIS-1980)** for the second quarter of the financial year (01.04.2026 to 30.06.2026). The notification follows the official Office Memorandum issued by the Department of Expenditure, Ministry of Finance.
## Overview of the Scheme Updates
The latest benefit tables pertain to accumulated savings values payable upon cessation of membership (due to retirement, resignation, or death) during the period between **April 1, 2026, and June 30, 2026**.
Key parameters guiding the latest quarterly release include:
* **Interest Rate:** The benefit tables have been calculated based on an interest rate of **7.1% per annum (compounded quarterly)**, as notified by the Department of Economic Affairs.
* **Calculation Authority:** The rates and benefit tables were compiled by the Insurance Regulatory and Development Authority (**IRDA**).
* **Constitutional Compliance:** For employees in the Indian Audit and Accounts Department, the orders were issued in consultation with the Comptroller and Auditor General of India (C&AG) pursuant to Article 148(5) of the Constitution.
## Subscription Categories Covered
The tables are divided into two distinct categories based on employee contribution choices:
### 1. Standard Revised Subscription Rate Table
This primary table applies to employees paying standard subscriptions:
* **₹10 per month** from January 1, 1982, to December 31, 1989.
* **₹15 per month** with effect from January 1, 1990, onwards.
> **Sample Savings Values for 2026 Cessation (under ₹15 Subscription Rate):**
> * **1982 Entry:** Accumulated value of ₹62,751.00 by June 2026.
> * **1990 Entry:** Accumulated value of ₹32,103.22 by June 2026.
> * **2000 Entry:** Accumulated value of ₹11,141.62 by June 2026.
> * **2010 Entry:** Accumulated value of ₹4,113.38 by June 2026.
>
### 2. Unrevised Subscription Rate Table
This second table caters specifically to employees who opted out of the revised rate and continued contributing at the lower rate:
* **₹10 per month throughout** the entire service period.
> **Sample Savings Values for 2026 Cessation (under ₹10 Subscription Rate):**
> * **1982 Entry:** Accumulated value of ₹52,047.53 (May) / ₹51,736.21 (June).
> * **1990 Entry:** Accumulated value of ₹21,393.61 by June 2026.
> * **2000 Entry:** Accumulated value of ₹7,427.43 by June 2026.
> * **2010 Entry:** Accumulated value of ₹2,742.25 by June 2026.
>
## Fund Allocation Breakdown
The insurance scheme splits member contributions between a **Savings Fund** and an **Insurance Fund** as follows:
| Period | Savings Fund Share | Insurance Fund Share |
|---|---|---|
| **01.01.1982 to 31.12.1987** | 68.75% | 31.25% |
| **01.01.1988 and onwards** | 70.00% | 30.00% |
## Official Circular Distribution
The order, issued under **File No. PP-28/1/2022-PAP-DOP** on **28.07.2026** by Assistant Director General Gurvinder Singh, has been dispatched to:
* All Chief Postmasters General & Postmasters General
* Heads of BD, Parcel, and PLI Directorates
* Directors of RAKNPA, All PTCs, and GM CEPT
* Additional Director General, Army Postal Service
* Recognized Federations, Unions, and Associations
* GM CEPT for publication on the official India Post website
