# GIS Interest Rate Revised Rate of Interest (7.1% p.a) w.e.f 01-07-2025 to 31-12-2025 - Link: https://amaravathiteacher.com/gis-interest-rate-revised-rate-of-interest-7-1-p-a-w-e-f-01-07-2025-to-31-12-2025/ - Published: 2026-07-13T22:43:53+05:30 - Author: Venkat # GIS Interest Rate Revised Rate of Interest (7.1% p.a) w.e.f 01-07-2025 to 31-12-2025   G.O.MS.No.54 Dated: 13-07-2026 **GIS Interest Rate Revised Rate of Interest (7.1% p.a) w.e.f 01-07-2025 to 31-12- 2025** **Read the Following:** 1. G.O.MS.No.293, Finance & Planning (Fin.Wing-Accts.II) Dept., Dt:08-10-1984. 2. G.O.MS.No.312, Finance & Plg. (Fin.Wing.Accts.II) Dept., Dt:06-11-1984. 3. G.O.MS.No.367, Finance&Planning(FW-Admin.II) Dept., Dt:15-11-1994. 4. G.O.Ms.No.32, Finance (Admn-III.DI, DSA) Dept., Dt:16-03-2024. 5. G.O.Ms.No.1, Finance (Admn-III.DI, DSA) Dept., Dt:03-01-2025 6. G.O.RT.No.1546, Finance (HR-III-Pension & GPF) Dept., Dt:24-04-2025. 7. G.O.RT.No.1590, Finance (HR-III-Pension & GPF) Dept., Dt:28-04-2025 8. G.O.Ms.No.65, Finance (Admn-III-DI, DSA) Dept., Dt: 27-10-2025. 9. G.O.RT.No.2345, Finance (HR-III-Pension & GPF) Dept., Dt:26-08-2025 10. G.O.RT.No.2930, Finance (HR-III-Pension & GPF) Dept., Dt:08-12-2025. ## ORDER In the reference 1^(st) read above, orders were issued for introducing Group Insurance Scheme to the State Government Employees in place of Family Benefit Scheme with effect from 01-11-1984. According to Para 9 of the reference 1^(st) read above, the accumulations of Savings Fund part and Insurance Fund part shall carry interest at the rates prescribed by Government from time to time. 2. In the reference 2^(nd) read above, orders were issued for apportioning the subscription of each unit of Rs.10/- between Insurance Fund and Savings Fund in the ratio of Rs.3.125/- and Rs.6.875/- respectively. 3. In terms of the recommendation of the Committee constituted to review the working of the Andhra Pradesh State Employees Group Insurance Scheme in Government orders 3^(rd) read above, orders were issued for revision of rate of subscription of each unit from Rs.10/- to Rs.15/- with effect from 01-11-1994. The apportionment of the subscription of each unit Rs.15/- between Insurance Fund and Savings Fund was fixed in the ratio of Rs.4.50/- and Rs.10.50/- respectively with effect from 01-11-1994. The amount of Insurance coverage will be Rs.15,000/- for each unit of subscription. 4. The rate of interest on accumulations of Savings Fund of the Member of the Scheme and the interest on the Insurance Fund from time to time is as follows: Interest Rates (from / to) | FROM | TO | % | | 1-Nov-1984 | 31-Oct-1994 | 10 | | 1-Nov-1994 | 31-Mar-2000 | 12 | | 1-Apr-2000 | 31-Mar-2001 | 11 | | 1-Apr-2001 | 31-Mar-2002 | 9.5 | | 1-Apr-2002 | 31-Mar-2004 | 9 | | 1-Apr-2004 | 30-Nov-2011 | 8 | | 1-Dec-2011 | 31-Mar-2012 | 8.6 | | 1-Apr-2012 | 31-Mar-2013 | 8.8 | | 1-Apr-2013 | 31-Mar-2016 | 8.7 | | 1-Apr-2016 | 31-Dec-2016 | 8.1 | | 1-Jan-2017 | 31-Mar-2017 | 8 | | 1-Apr-2017 | 30-Jun-2017 | 7.9 | | 1-Jul-2017 | 31-Dec-2017 | 7.8 | | 1-Jan-2018 | 30-Sep-2018 | 7.6 | | 1-Oct-2018 | 30-Jun-2019 | 8 | | 1-July-2019 | 31-Mar-2020 | 7.9 | | 1-Apr-2020 | 31-Dec-2025 | 7.1 | 5. A committee has been constituted by the Government for preparation of Tables for calendar year 2016 onwards on par with CEGGIS tables. The Committee has prepared a simplified table for maturity value of one unit for the calendar year 2016. Further, in Continuation of the Government orders the table for 3^(rd) and 4^(th) Quarter of Calendar Year 2025 is prepared at the applicable interest rates 7.1% per annum. 6. The Sanctioning Authorities / Drawing and Disbursement Officers / Treasury Officers/ District Audit Officers / Pay and Accounts Officers / Director of Works and Accounts are requested to keep in view of the appended Table while sanctioning and making the final payments under Group Insurance Scheme for proper implementation of the Scheme. The Expenditure is debitable to the following Head of Account. **8011- Insurance and Pension Funds – 107- Group Insurance Scheme 01- State Government Employees – 001- Insurance Fund- 002- Savings fund – 003 – Interest from Government.** 7. Further, the following instructions shall also be scrupulously followed: * **a) The following standard Forms / entries are to be compulsory furnished in Service Register of the individual without fail.** - i) Entry in to the Scheme – Form No -1 and Entry in Service Register. - ii) Change in Group – Form No -2 and Entry in Service Register. - iii) Group wise Register of members maintained in Form No -8. - iv) The Nomination shall be made in Form No -6 for Unmarried and Form No - 7 for Married. - v) Claiming of GIS: – * Form No. 3 for other than death * Form No. 5 for death * **b)** The Drawing and Disbursement Officer shall recover the correct rate of subscription according to the eligible group of employees. For any excess/less recovery, the Drawing and Disbursement Officer concerned shall be held responsible. * **c)** All the Heads of Offices should take prompt action for recording the necessary subscription entries in the Service Registers of the employees under proper attestation at the end of every financial year and a Certificate shall be recorded in the Service Register of each employee that subscription to the Scheme at the appropriate rates have been recovered for the period from April to March. The entries shall be attested by the Drawing and Disbursing Officer. * **d)** The Head of the Department / Drawing and Disbursement Officer shall be held responsible for sanctioning the Group Insurance Scheme final payments. * **e)** If an employee’s subscription at any period if not recovered during Service the total subscription along with interest as applicable shall be recovered from the payments admissible * **f)** As per G.O.Ms.No.910, Finance (Admn.II) Department, dated: 28.10.2002 “ Sanctioning authority shall send a copy of sanction orders of the Group Insurance Scheme Payment including calculation slip to the Director of Insurance, Govt of A.P., 4th Floor, Nidhi Bhavan, Mangalagiri, Guntur-522503 for Post Audit”. * **g)** If any excess payment is identified, during the Post Audit Conducted by the Directorate of Insurance, the Excess amount shall be immediately recovered from the concerned Party. The Director of Insurance will notify the Drawing and Disbursement Officer (DDO)to recover the amount through a CFMS challan, using the Head of Account Mentioned 8011-107-01. The Drawing and Disbursement Officer must ensure that the remittance is made to the specified account and that this fact communicated to the Director of Insurance. * **h)** If any excess Payments are found, the difference amount shall be collected from the sanctioning authority and if not, such Officers are liable for disciplinary action. * **i)** The Head of the Department concerned shall take action against the erring officials who are responsible for the excess / less recoveries wherever they are detected. * **j)** The Director of Insurance, Andhra Pradesh, Mangalagiri, Amaravati shall conduct a regular Audit of all claims paid under Group Insurance Scheme and send a report to the Head of the Department concerned. 8. As per G.O.Ms.No.225, Finance (Admn.II) Department, Dt.22-06-2010 the revised pay slabs as per RPS 2010 and its Corresponding Slabs in the Revised Scales of Pay, 2015 & 2022 for Classification of Groups and Compulsory deduction of subscription units applicable to the corresponding groups as shown below: | S.No | Slabs of Pay under Revised Scales of Pay 2010 as per G.O.Ms.No.225 | Corresponding Slabs in the Revised Scales of Pay, 2015 | Corresponding Slabs in the revised Scales of Pay, 2022 | Classificatio of Groups | Classificatio of Grades | Units of Subscription (Rs 15/- per each unit) | | 1 | Rs.18030-55660 | 35120-110850 | 54060-179000 | A | XX and above | 8 Units Rs.120/- | | 2 | Rs.11860-42590 | 23100-84970 | 35570-137220 | B | XIII to XIX | 4 Units Rs 60/- | | 3 | Rs.8440-33200 | 16400-66330 | 25220-107210 | C | VII to XII | 2 Units Rs 30/- | | 4 | Rs.6700-23650 | 13000-47330 | 20000-76730 | D | I to VI | 1 Units Rs 15/- | 9. In view of the above circumstances stated above and after careful examination of the matter, Government hereby orders that the revised rate @7.1% p.a. 1st July 2025 on the Andhra Pradesh Group Insurance Savings Funds shall be allowed to continue up to 31-12-2025. Further, it is ordered that instructions prescribed should be followed scrupulously. The revised Table is annexed in Annexure I and some illustrations are also given in Annexure-II. **(BY ORDER AND IN THE NAME OF THE GOVERNOR OF ANDHRA PRADESH)** **VADAREVU VINAY CHAND SECRETARY TO GOVERNMENT (HR & Exp) ## ANNEXURE-1 **APGIS Maturity values are one unit for the Third and Fourth quarter of Calendar year 2025 (Cumulative of saving Portion + quarterly compounded interest)** Accumulated Saving Fund of one unit up to Dec 2025 (3rd and 4th Quarter in the calendar year 2025) | Unit start year | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | | 1984 | 38110.36 | 38346.37 | 38582.44 | 38818.57 | 39058.77 | 39299.03 | | 1985 | 35016.37 | 35234.07 | 35451.84 | 35669.66 | 35891.23 | 36112.86 | | 1986 | 32213.38 | 32414.49 | 32615.67 | 32816.91 | 33021.60 | 33226.35 | | 1987 | 29674.00 | 29860.09 | 30046.25 | 30232.46 | 30421.86 | 30611.32 | | 1988 | 27373.45 | 27545.93 | 27718.47 | 27891.08 | 28066.62 | 28242.23 | | 1989 | 25289.26 | 25449.41 | 25609.62 | 25769.90 | 25932.89 | 26095.95 | | 1990 | 23401.09 | 23550.07 | 23699.11 | 23848.21 | 23999.84 | 24151.52 | | 1991 | 21690.51 | 21829.36 | 21968.28 | 22107.26 | 22248.59 | 22389.97 | | 1992 | 20140.80 | 20270.49 | 20400.24 | 20530.05 | 20662.04 | 20794.09 | | 1993 | 18736.84 | 18858.22 | 18979.66 | 19101.17 | 19224.70 | 19348.30 | | 1994 | 17415.16 | 17528.70 | 17642.30 | 17755.96 | 17871.52 | 17987.14 | | 1995 | 15673.41 | 15776.64 | 15879.94 | 15983.30 | 16088.36 | 16193.49 | | 1996 | 14125.89 | 14219.96 | 14314.10 | 14408.31 | 14504.05 | 14599.87 | | 1997 | 12750.93 | 12836.88 | 12922.88 | 13008.95 | 13096.42 | 13183.95 | | 1998 | 11529.30 | 11608.02 | 11686.80 | 11765.64 | 11845.75 | 11925.92 | | 1999 | 10443.18 | 10515.47 | 10587.82 | 10660.23 | 10733.81 | 10807.44 | | 2000 | 9477.78 | 9544.36 | 9610.10 | 9677.70 | 9745.46 | 9813.28 | | 2001 | 8609.24 | 8670.67 | 8732.18 | 8793.74 | 8856.27 | 8918.86 | | 2002 | 7818.64 | 7875.40 | 7932.22 | 7989.11 | 8046.88 | 8104.71 | | 2003 | 7095.62 | 7148.11 | 7200.65 | 7253.26 | 7306.67 | 7360.15 | | 2004 | 6432.95 | 6481.51 | 6530.13 | 6578.82 | 6628.24 | 6677.73 | | 2005 | 5821.17 | 5866.11 | 5911.11 | 5956.18 | 6001.92 | 6047.73 | | 2006 | 5255.98 | 5297.58 | 5339.24 | 5380.96 | 5423.29 | 5465.69 | | 2007 | 4733.83 | 4772.34 | 4810.91 | 4849.55 | 4888.74 | 4927.99 | | 2008 | 4251.45 | 4287.10 | 4322.82 | 4358.60 | 4394.88 | 4431.24 | | 2009 | 3805.80 | 3838.82 | 3871.90 | 3905.04 | 3938.65 | 3972.31 | | 2010 | 3394.09 | 3424.67 | 3455.32 | 3486.02 | 3517.15 | 3548.34 | | 2011 | 3013.74 | 3042.06 | 3070.46 | 3098.92 | 3127.75 | 3156.65 | | 2012 | 2663.40 | 2689.66 | 2715.98 | 2742.37 | 2769.09 | 2795.88 | | 2013 | 2342.17 | 2366.53 | 2390.95 | 2415.43 | 2440.22 | 2465.08 | | 2014 | 2047.46 | 2070.07 | 2092.75 | 2115.49 | 2138.50 | 2161.58 | | 2015 | 1777.04 | 1798.06 | 1819.13 | 1840.27 | 1861.66 | 1883.11 | | 2016 | 1528.65 | 1548.20 | 1567.80 | 1587.47 | 1607.37 | 1627.32 | | 2017 | 1299.36 | 1317.55 | 1335.80 | 1354.11 | 1372.62 | 1391.20 | | 2018 | 1087.02 | 1103.95 | 1120.95 | 1138.00 | 1155.23 | 1172.53 | | 2019 | 890.54 | 906.31 | 922.14 | 938.03 | 954.08 | 970.20 | | 2020 | 708.61 | 723.30 | 738.06 | 752.88 | 767.83 | 782.85 | | 2021 | 539.14 | 552.83 | 566.58 | 580.40 | 594.33 | 608.33 | | 2022 | 381.19 | 393.94 | 406.76 | 419.64 | 432.62 | 445.67 | | 2023 | 233.97 | 245.85 | 257.80 | 269.81 | 281.90 | 294.06 | | 2024 | 96.75 | 107.82 | 118.96 | 130.16 | 141.43 | 152.76 | | 2025 | 0.00 | 0.00 | 0.00 | 0.00 | 10.50 | 21.06 | **Note:** up to 31/10/1994 one Unit = Rs.10 (saving 6.875 + insurance3.125) and from 1/11/1994 unit size increased to Rs.15 (saving 10.5 + Insurance 4.5). This change is considered while arriving to maturity value of saving portion of one unit. The month November in a calendar year is taken as starting month. **Note:** All units put together shall not exceed 8 in any case. ### Annexure-II: Illustrations Employee retires in Dec 2025 GIS particulars | Year of Start | No of Units added | One unit maturity on Dec 2025 based on its starting year | Total of Maturity | | From 11/1990 to 10/1994 Rs 10 pm and from 11/1994 Rs.15 Per month | 1990 | 1 | 24151.52 | 24151.52 | | From 11/2000 to 10/2010 Rs 30 pm | 2000 | 1 | 9813.28 | 9813.28 | | From 11/2010 to 10/2014 Rs 60 pm | 2010 | 2 | 3548.34 | 7096.68 | | From 11/2014 to 06/2025 Rs 120 pm | 2014 | 4 | 2161.58 | 8646.32 | | **Total No of units at his Retirement** | **8** | **Total Maturity with interest Dec-2025** | **49707.80** | Employee Retires in Nov 2025 GIS particulars | Year of Start | No of Units added | One unit maturity on Nov 2025 based on its starting year | Total of Maturity | | From 11/1984 to 10/1989 Rs 10 pm | 1984 | 1 | 39058.77 | 39058.77 | | From 11/1989 to 10/1994 Rs 20 pm | 1989 | 2 | 25932.89 | 25932.89 | | From 11/1994 to 10/2006 Rs.30 pm | 1994 | No Extra Units | —- | —- | | From 11/2006 to 05/2025 Rs 60 pm | 2006 | 2 | 5423.29 | 10846.58 | | **Total No of units at his Retirement** | **4** | **Total Maturity with interest on Nov 2025** | **75838.24** | Employee Retires in Oct 2025 GIS particulars | Year of Start | No of Units added | One unit maturity on Oct 2025 based on its starting year | Total of Maturity | | From 11/1993 to 10/1994 Rs 80 pm | 1993 | 8 | 19101.17 | 152809.36 | | From 11/1994 to 04/2025 Rs 120pm | 1994 | No Extra Units | —- | —- | | **Total No of units at his Retirement** | **8** | **Total Maturity with interest on Oct 2025** | **152809.36** | --- [**GIS Interest Rate Revised Rate of Interest (7.1% p.a) w.e.f 01-07-2025 to 31-12-2025 Download**](https://drive.google.com/file/d/1snGpe5lEcg8ZRPmURDGKBY0ca9xmo3Po/view?usp=sharing) ### 󠀁[AP TEACHERS LATEST 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