Group Insurance Scheme: RBE No.29/2025 – Tables of Benefits 01.01.2025 to 31.03.2025
No.PC-III/2000/GIS/2, dated 03.04.2025
Sub: Central Government Employees Group Insurance Scheme, 1980 – Tables of Benefits for the Savings Fund for the period from 01.01.2025 to 31.03.2025.
The Table of Benefits under CGEGIS-1980 for the period 01.10.2024 to 31.12.2024 issued by Ministry of Finance vide their OM Dated 02.09.2024, was circulated to Zonal Railways/ Production Units etc. vide Board’s letter of even number dated 02.12.2024 (RBE No.111/2024).
In continuation of Board’s letter ibid, a copy of Ministry of Finance’s OM No.7(I)/EV/2023, dated 26.03.2025 circulating Tables of benefits for the period from 01.01.2025 to 31.03.2025 is enclosed herewith for information and necessary action.
Ministry of Finance
Department of Expenditure
O.M.No.7(1)/EV/2023, dated 26.03.2025
OFFICE MEMORANDUM
Sub: Central Government Employees Group Insurance Scheme-1980 – Tables of Benefits for the savings fund for the period from 01.01.2025 to 31.03.2025.
1. The Tables of Benefits for Savings Fund to the beneficiaries under the Central Government Employees Group Insurance Scheme-1980, which are being issued on a quarterly basis from 01.01.2017 onwards, as brought out in this Ministry’s OM of even number dated 17.03.2017, for the quarter from 01.01.2025 to 31.03.2025, as worked out by IRDA based on the interest rate of 7.1% per annum (compounded quarterly) as notified by the Department of Economic Affairs as per their Resolution No.5(3)-B(PD)/2023, dated 03.01.2025, are enclosed.
2. The Tables enclosed are of two categories as per the existing practice. As hitherto, the first Table of Benefits for the savings fund of the scheme is based on the subscription of Rs.10 p.m. from 01.01.1982 to 31.12.1989 and Rs.15 p.m. w.e.f. 01.01.1990 onwards. The second Table of Benefits for savings fund is based on a subscription of Rs.10 p.m. for those employees who had opted out of the revised rate of subscription w.e.f. 01.01.1990.
3. In so far as the persons serving in the Indian Audit and Accounts Department are concerned, these Orders are issued in consultation with the Comptroller and Auditor General of India, as mandated under Article 148(5) of the Constitution of India.
4. Hindi version of these orders is attached.
Central Government Employees Group Insurance Scheme-1980
Contribution @Rs.10/- throughout
Accumulated value of contribution from 1st January of year of Entry to the month and year of cessation
Year of cessation of membership-2025
Month of cessation of membership
| Year of entry | Jan | Feb | Mar | April | May | June | July | Aug | Sept | Oct | Nov | Dec |
| 1982 | 46995.70 | 47279.13 | 47564.23 | |||||||||
| 1983 | 42097.08 | 42351.69 | 42607.80 | |||||||||
| 1984 | 37678.49 | 37907.11 | 38137.08 | |||||||||
| 1985 | 33713.73 | 33919.04 | 34125.55 | |||||||||
| 1986 | 30153.53 | 30337.90 | 30523.34 | |||||||||
| 1987 | 26962.99 | 27128.59 | 27295.16 | |||||||||
| 1988 | 24116.75 | 24265.61 | 24415.34 | |||||||||
| 1989 | 21542.13 | 21675.84 | 21810.34 | |||||||||
| 1990 | 19250.60 | 19370.83 | 19491.77 | |||||||||
| 1991 | 17213.47 | 17321.72 | 17430.61 | |||||||||
| 1992 | 15405.88 | 15503.50 | 15601.69 | |||||||||
| 1993 | 13804.87 | 13893.07 | 13981.79 | |||||||||
| 1994 | 12376.01 | 12455.81 | 12536.07 | |||||||||
| 1995 | 11107.83 | 11180.16 | 11252.92 | |||||||||
| 1996 | 9983.10 | 10048.82 | 10114.93 | |||||||||
| 1997 | 8984.62 | 9044.47 | 9104.67 | |||||||||
| 1998 | 8095.17 | 8149.79 | 8204.73 | |||||||||
| 1999 | 7303.28 | 7353.23 | 7403.49 | |||||||||
| 2000 | 6609.70 | 6655.58 | 6701.72 | |||||||||
| 2001 | 5989.18 | 6031.41 | 6073.89 | |||||||||
| 2002 | 5430.99 | 5469.93 | 5509.11 | |||||||||
| 2003 | 4927.58 | 4963.57 | 4995.75 | |||||||||
| 2004 | 4468.10 | 4501.38 | 4534.85 | |||||||||
| 2005 | 4045.53 | 4076.32 | 4107.30 | |||||||||
| 2006 | 3655.14 | 3683.64 | 3712.31 | |||||||||
| 2007 | 3294.49 | 3320.86 | 3347.40 | |||||||||
| 2008 | 2961.30 | 2985.71 | 3010.28 | |||||||||
| 2009 | 2653.48 | 2676.09 | 2698.83 | |||||||||
| 2010 | 2369.10 | 2390.04 | 2411.10 | |||||||||
| 2011 | 2106.39 | 2125.78 | 2145.28 | |||||||||
| 2012 | 1863.48 | 1881.44 | 1899.51 | |||||||||
| 2013 | 1640.28 | 1656.93 | 1673.68 | |||||||||
| 2014 | 1435.51 | 1450.95 | 1466.49 | |||||||||
| 2015 | 1247.71 | 1262.04 | 1276.47 | |||||||||
| 2016 | 1075.39 | 1088.72 | 1102.12 | |||||||||
| 2017 | 917.29 | 929.68 | 942.15 | |||||||||
| 2018 | 771.62 | 783.16 | 794.77 | |||||||||
| 2019 | 636.68 | 647.43 | 658.14 | |||||||||
| 2020 | 511.88 | 521.89 | 531.96 | |||||||||
| 2021 | 396.20 | 405.53 | 414.92 | |||||||||
| 2022 | 288.40 | 297.10 | 305.85 | |||||||||
| 2023 | 187.93 | 196.03 | 204.19 | |||||||||
| 2024 | 94.28 | 101.84 | 109.44 | |||||||||
| 2025 | 7.00 | 14.04 | 21.12 |
| Note | ||||||||
| Basic used | ||||||||
| From | To | Interest* | From | To | Interest* | From | To | Interest* |
| 01.01.1982 | 31.12.1982 | 10% | 01.04.2012 | 31.03.2013 | 8.80% | 01.04.2019 | 30.06.2019 | 8.00% |
| 01.01.1983 | 31.12.1986 | 11% | 01.04.2013 | 31.03.2016 | 8.70% | 01.07.2019 | 30.09.2019 | 7.90% |
| 01.01.1987 | 31.12.2000 | 12% | 01.04.2016 | 30.09.2016 | 8.70% | 01.10.2019 | 31.12.2019 | 7.90% |
| 01.01.2001 | 31.12.2001 | 11% | 01.10.2016 | 31.12.2016 | 8.70% | 01.01.2020 | 31.03.2020 | 7.90% |
| 01.01.2002 | 31.12.2002 | 9.50% | 01.01.2017 | 31.03.2017 | 8.00% | 01.04.2020 | 31.12.2022 | 7.10% |
| 01.01.2003 | 31.12.2003 | 9.00% | 01.04.2017 | 30.06.2017 | 7.90% | 01.01.2023 | 31.03.2023 | 7.10% |
| 01.01.2004 | 30.11.2011 | 8.00% | 01.07.2017 | 31.12.2017 | 7.80% | 01.04.2023 | 30.06.2023 | 7.10% |
| 01.12.2011 | 31.03.2012 | 8.60% | 01.01.2018 | 30.09.2018 | 7.60% | 01.07.2023 | 30.09.2023 | 7.10% |
| 01.10.2018 | 31.12.2018 | 8.00% | 01.10.2023 | 31.12.2023 | 7.10% | |||
| 01.01.2019 | 31.03.2019 | 8.00% | 01.04.2024 | 31.03.2025 | 7.1% | |||
| *interest p.a. compounded quarterly | Savings Fund | 68.75% from 01.01.1982 to 31.12.1987 | ||||||
| 70% from 01.01.1988 and onwards | ||||||||
| Insurance Fund | 31.25% from 01.01.1982 to 31.12.1987 | |||||||
| 30% from 01.01.1988 onwards | ||||||||
Central Government Employees Group Insurance Scheme-1980
Contribution @Rs.10/- p.m. upto 31.12.1989 and Rs.15/- throughout after 01.01.1990
Accumulated value of contribution from 1st January of year of Entry to the month and year of cessation
Year of cessation of membership-2025
Month of cessation of membership
| Year of entry | Jan | Feb | Mar | April | May | June | July | Aug | Sept | Oct | Nov | Dec |
| 1982 | 56627.03 | 56970.61 | 57316.22 | |||||||||
| 1983 | 51723.79 | 52038.53 | 52355.12 | |||||||||
| 1984 | 47308.77 | 47597.54 | 47888.01 | |||||||||
| 1985 | 43339.98 | 43605.40 | 43872.39 | |||||||||
| 1986 | 39791.16 | 40035.71 | 40281.70 | |||||||||
| 1987 | 36599.33 | 36825.11 | 37052.21 | |||||||||
| 1988 | 33748.73 | 33957.74 | 34167.98 | |||||||||
| 1989 | 11171.11 | 31364.96 | 31559.95 | |||||||||
| 1990 | 28887.48 | 29067.90 | 29249.38 | |||||||||
| 1991 | 25832.14 | 25994.59 | 26157.99 | |||||||||
| 1992 | 23128.53 | 23275.08 | 23422.48 | |||||||||
| 1993 | 20713.66 | 20846.00 | 20979.11 | |||||||||
| 1994 | 18577.02 | 18696.79 | 15517.27 | |||||||||
| 1995 | 16676.62 | 16785.21 | 16894.44 | |||||||||
| 1996 | 14991.46 | 15090.14 | 15189.40 | |||||||||
| 1997 | 13484.79 | 13574.61 | 13664.95 | |||||||||
| 1998 | 12156.61 | 12238.61 | 12321.10 | |||||||||
| 1999 | 10964.92 | 110359.92 | 11115.35 | |||||||||
| 2000 | 9914.97 | 9983.79 | 10053.02 | |||||||||
| 2001 | 8980.52 | 8209.51 | 8268.30 | |||||||||
| 2002 | 8151.07 | 8209.51 | 8268.30 | |||||||||
| 2003 | 7388.24 | 7442.20 | 7496.47 | |||||||||
| 2004 | 6702.14 | 6752.06 | 6802.28 | |||||||||
| 2005 | 6068.29 | 6114.49 | 6160.95 | |||||||||
| 2006 | 5482.71 | 5525.46 | 5568.46 | |||||||||
| 2007 | 4941.73 | 4981.30 | 5021.10 | |||||||||
| 2008 | 4441.94 | 4478.57 | 4515.41 | |||||||||
| 2009 | 3980.22 | 4014.13 | 4048.24 | |||||||||
| 2010 | 3553.66 | 3585.06 | 3616.65 | |||||||||
| 2011 | 3159.58 | 3188.66 | 3217.92 | |||||||||
| 2012 | 2795.22 | 2822.16 | 2849.26 | |||||||||
| 2013 | 2460.43 | 2485.40 | 2510.52 | |||||||||
| 2014 | 2153.26 | 2176.43 | 2199.73 | |||||||||
| 2015 | 1871.56 | 1893.07 | 1914.70 | |||||||||
| 2016 | 1613.09 | 1633.07 | 1653.18 | |||||||||
| 2017 | 1375.93 | 1394.52 | 1413.22 | |||||||||
| 2018 | 1157.43 | 1174.74 | 1192.15 | |||||||||
| 2019 | 955.03 | 971.14 | 987.36 | |||||||||
| 2020 | 762.82 | 782.84 | 797.94 | |||||||||
| 2021 | 594.30 | 608.30 | 622.38 | |||||||||
| 2022 | 432.60 | 445.65 | 458.77 | |||||||||
| 2023 | 281.89 | 294.05 | 306.28 | |||||||||
| 2024 | 141.42 | 152.75 | 164.15 | |||||||||
| 2025 | 10.50 | 21.06 | 31.69 |
| Note | ||||||||
| Basic used | ||||||||
| From | To | Interest* | From | To | Interest* | From | To | Interest* |
| 01.01.1982 | 31.12.1982 | 10% | 01.04.2012 | 31.03.2013 | 8.80% | 01.04.2019 | 30.06.2019 | 8.00% |
| 01.01.1983 | 31.12.1986 | 11% | 01.04.2013 | 31.03.2016 | 8.70% | 01.07.2019 | 30.09.2019 | 7.90% |
| 01.01.1987 | 31.12.2000 | 12% | 01.04.2016 | 30.09.2016 | 8.70% | 01.10.2019 | 31.12.2019 | 7.90% |
| 01.01.2001 | 31.12.2001 | 11% | 01.10.2016 | 31.12.2016 | 8.70% | 01.01.2020 | 31.03.2020 | 7.90% |
| 01.01.2002 | 31.12.2002 | 9.50% | 01.01.2017 | 31.03.2017 | 8.00% | 01.04.2020 | 31.12.2022 | 7.10% |
| 01.01.2003 | 31.12.2003 | 9.00% | 01.04.2017 | 30.06.2017 | 7.90% | 01.01.2023 | 31.03.2023 | 7.10% |
| 01.01.2004 | 30.11.2011 | 8.00% | 01.07.2017 | 31.12.2017 | 7.80% | 01.04.2023 | 30.06.2023 | 7.10% |
| 01.12.2011 | 31.03.2012 | 8.60% | 01.01.2018 | 30.09.2018 | 7.60% | 01.07.2023 | 30.09.2023 | 7.1% |
| 01.10.2018 | 31.12.2018 | 8.00% | 01.10.2023 | 31.12.2023 | 7.10% | |||
| 01.01.2019 | 31.03.2019 | 8.00% | 01.04.2024 | 31.03.2025 | 7.1% | |||
| *interest p.a. compounded quarterly | Savings Fund | 68.75% from 01.01.1982 to 31.12.1987 | ||||||
| 70% from 01.01.1988 and onwards | ||||||||
| Insurance Fund | 31.25% from 01.01.1982 to 31.12.1987 | |||||||
| 30% from 01.01.1988 onwards | ||||||||
Download Railway Board Circular RBE No.29/2025
Forward reference ⇒ RBE No.