📖 What is CGEGIS?
Central Government Employees Group Insurance Scheme, commonly called CGEGIS, is a salary-deduction based group insurance and savings scheme for Central Government employees. It gives two broad benefits. First, it provides insurance cover to the employee’s nominee if the employee dies while in service. Second, it builds a savings fund that is paid to the employee on retirement, superannuation, resignation or other cessation of service according to the official Table of Benefits.
The uploaded page had a good layout, but it used outdated and incorrect values for current employee groups. It showed Group A monthly premium as ₹30, Group B as ₹20 and Group C as ₹10. It also described the split as 25% insurance and 75% savings. For the present Central Government position, the page should use Group A ₹120, Group B ₹60 and Group C ₹30 per month, with insurance cover of ₹1,20,000, ₹60,000 and ₹30,000 respectively. The subscription is bifurcated into Savings Fund and Insurance Fund in the ratio of 70:30. This updated page corrects those points and removes fake average table-value logic from the calculator.
Present CGEGIS Monthly Subscription Rates
The present CGEGIS subscription is simple for normal Central Government Group A, B and C employees. Group A employees subscribe ₹120 per month. Group B employees subscribe ₹60 per month. Group C employees subscribe ₹30 per month. These rates are recovered every month from salary. The corresponding insurance cover is ₹1,20,000 for Group A, ₹60,000 for Group B and ₹30,000 for Group C. The calculator uses these rates as default values.
Some older scheme documents and old pages mention unit-based values such as ₹10, ₹20, ₹40 or ₹80, or later revised per-unit contribution. Those numbers are useful for history, but they should not be used as the current front-page calculator headline for employees who joined on or after the revised subscription structure. A practical SEO page should show the present rates clearly and then explain historical notes separately.
Group A, B and C Subscription Table
| Employee Group | Present Monthly Subscription | Annual Deduction | Insurance Cover | 70% Savings Share per Month | 30% Insurance Share per Month |
|---|---|---|---|---|---|
| Group A | ₹120 | ₹1,440 | ₹1,20,000 | ₹84 | ₹36 |
| Group B | ₹60 | ₹720 | ₹60,000 | ₹42 | ₹18 |
| Group C | ₹30 | ₹360 | ₹30,000 | ₹21 | ₹9 |
Savings Fund and Insurance Fund Ratio
CGEGIS subscription is divided into two funds. The Savings Fund is the retirement or cessation component. The Insurance Fund is the risk-cover component. The official answer explains the bifurcation as Savings Fund and Insurance Fund in the ratio of 70:30. This means that if the subscription is ₹120 per month, ₹84 is treated as the savings portion and ₹36 is the insurance portion for planning explanation. For Group B, ₹42 goes to the savings side and ₹18 to the insurance side. For Group C, ₹21 goes to the savings side and ₹9 to insurance side.
This split is useful for understanding the scheme, but the final maturity or cessation value is not calculated by simply multiplying monthly savings share by the number of months. The final savings fund payment is based on the official Table of Benefits, which includes accumulation and interest as worked out for the relevant quarter.
How the Table of Benefits Works
The Table of Benefits is the most important document for final CGEGIS settlement. The Department of Expenditure issues the savings fund tables quarterly. The table gives the accumulated value for different entry months and cessation months. When an employee retires or ceases service, the office uses the relevant table for that quarter to calculate the savings fund amount payable. This is why a generic online calculator should not invent an average table value and display it as exact benefit.
The uploaded page used a placeholder average value of ₹35,000 per 10 units and described it as an approximate table value. That can mislead users badly because CGEGIS benefit depends on entry month, cessation month, group, subscription structure and official table. This updated calculator instead provides an optional field where the user can enter an official table value from the latest Table of Benefits. If that field is blank, the calculator shows only contribution, split and insurance cover, and tells users to use the official table for final settlement.
Latest Table Period Guidance
CGEGIS savings fund tables are updated periodically by the Department of Expenditure. The latest official page checked for this update is the Table of Benefits for the period 01.01.2026 to 31.03.2026, dated 07.04.2026. When a new quarter is released, the page should be updated again. The title and H1 should still avoid a year so the page stays evergreen, but the article body may mention the current table period and should be revised after each new official table.
Death Benefit Under CGEGIS
If an employee dies while in service, the nominee or eligible claimant receives the insurance cover plus the savings fund amount as applicable under the Table of Benefits. The insurance cover is not the same as the retirement savings fund. For present subscription rates, insurance cover is ₹1,20,000 for Group A, ₹60,000 for Group B and ₹30,000 for Group C. The actual claim process requires nomination, death certificate, service verification and DDO or PAO processing.
Retirement or Superannuation Benefit
At retirement or superannuation, the employee receives the savings fund value based on the Table of Benefits. The insurance cover element ends with cessation of membership. The DDO or accounts office normally processes the claim with retirement papers, last pay details, group status, date of entry into the scheme, date of cessation and official table value. Employees should verify that deductions were correctly made from salary throughout service and that the service book contains correct group and scheme details.
Does Pay Level Decide CGEGIS Group?
Many modern calculators map Level 10 and above to Group A, Level 6 to 9 to Group B and Level 1 to 5 to Group C. This is useful for a quick estimate, but final classification should not be based only on pay level. Government post classification, appointment order, recruitment rules, service book and office records decide the actual group. Some posts may have special classification history. Therefore, the calculator allows pay level as a helper field, but the user must select the actual employee group from pay slip or service records.
Example 1: Group C Employee
A Group C employee pays ₹30 per month. Annual deduction is ₹360. Out of the monthly subscription, the planning split is ₹21 towards savings fund and ₹9 towards insurance fund. The fixed insurance cover is ₹30,000. If the employee retires after long service, the savings fund payment will be taken from the official Table of Benefits, not from a simple total of monthly deductions.
Example 2: Group B Employee
A Group B employee pays ₹60 per month. Annual deduction is ₹720. The planning savings share is ₹42 per month and insurance share is ₹18 per month. Insurance cover is ₹60,000. In case of death in service, nominee claim includes the insurance cover and the applicable savings fund value. In retirement, the employee receives the savings fund value according to the official table.
Example 3: Group A Employee
A Group A employee pays ₹120 per month. Annual deduction is ₹1,440. The monthly savings share is ₹84 and insurance share is ₹36. The insurance cover is ₹1,20,000. If the employee wants an approximate retirement value, the safest approach is to use the official Table of Benefits for the exact quarter of cessation and the correct entry month. Without that table, any long-service savings amount is only a rough illustration.
Why the Calculator Does Not Promise Exact Maturity
Online CGEGIS pages often make a serious mistake: they multiply years of service by a random fixed value and call it “savings fund.” That is not reliable. The Table of Benefits is issued quarterly, and the value changes with entry month and cessation month. If you publish a fake table number, users may rely on an incorrect retirement amount. This page instead provides transparent values: monthly subscription, annual deduction, 70% savings share, 30% insurance share, insurance cover and optional official table factor entry.
Documents Required for CGEGIS Settlement
- Service book or service record showing scheme membership and employee group.
- Pay slip or deduction record showing CGEGIS recovery.
- Date of joining, date of scheme entry and date of cessation or retirement.
- Nomination form for death claim cases.
- Death certificate and claimant documents for nominee claims.
- Pension or retirement papers for superannuation cases.
- Official Table of Benefits for the quarter of cessation.
- DDO, PAO or accounts office verification of final amount.
Common Mistakes to Avoid
- Do not use Group A ₹30, Group B ₹20 and Group C ₹10 as current rates.
- Do not show 25% insurance and 75% savings; use 70:30 savings/insurance split.
- Do not publish placeholder citations such as web references inside visible content.
- Do not claim exact savings fund without using the official quarterly Table of Benefits.
- Do not treat pay level as the only proof of employee group classification.
- Do not confuse insurance cover with savings fund maturity value.
- Do not show 7th CPC proposed higher insurance cover as implemented unless there is an official order.
- Do not treat this calculator as final DDO or PAO authorization.