Published : October 27, 2025
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The Government of Andhra Pradesh has issued G.O.MS.No.65 revising the rate of interest on the accumulated Savings Fund under the Andhra Pradesh State Employees Group Insurance Scheme (APGIS) for the period from 01-07-2024 to 30-06-2025. The interest rate remains 7.1% per annum.
🔹 Scheme Details
- Scheme Name: Andhra Pradesh State Employees Group Insurance Scheme (APGIS)
- Effective Period: 01-07-2024 to 30-06-2025
- Interest Rate: 7.1% per annum
- Department: Finance (Admn-III-DI, DSA)
- Date of Issue: 27-10-2025
- Issued By: Sri Vadarevu Vinay Chand, Secretary to Government (HR & Exp)
💰 Purpose of the Scheme
The APGIS provides both savings and insurance benefits to State Government employees. Each employee contributes monthly subscriptions divided between the savings and insurance funds as shown below:
| Year | Subscription (per unit) | Savings Fund | Insurance Fund |
|---|---|---|---|
| Before Nov 1994 | ₹10 | ₹6.875 | ₹3.125 |
| After Nov 1994 | ₹15 | ₹10.50 | ₹4.50 |
📊 Historical Interest Rates
| Period | Interest Rate |
|---|---|
| 01-Nov-1984 to 31-Oct-1994 | 10% |
| 01-Nov-1994 to 31-Mar-2000 | 12% |
| 01-Apr-2000 to 31-Mar-2001 | 11% |
| 01-Apr-2001 to 31-Mar-2002 | 9.5% |
| 01-Apr-2002 to 31-Mar-2004 | 9% |
| 01-Apr-2004 to 30-Nov-2011 | 8% |
| 01-Dec-2011 to 31-Mar-2012 | 8.6% |
| 01-Apr-2012 to 31-Mar-2013 | 8.8% |
| 01-Apr-2013 to 31-Mar-2016 | 8.7% |
| 01-Apr-2016 to 30-Jun-2025 | 7.1% |
🧾 Implementation Guidelines
- DDOs must recover the correct subscription as per employee group classification.
- Heads of Departments should record recoveries annually in service registers.
- GIS sanction orders must be sent to the Director of Insurance, A.P., Mangalagiri for post-audit.
- All payments must be recorded under 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
👥 Employee Group Classification (RPS-2022)
| Group | Pay Range (RPS-2022) | Units | Monthly Deduction |
|---|---|---|---|
| A | ₹54,060 – ₹1,79,000 | 8 | ₹120 |
| B | ₹35,570 – ₹1,37,220 | 4 | ₹60 |
| C | ₹25,220 – ₹1,07,210 | 2 | ₹30 |
| D | ₹20,000 – ₹76,730 | 1 | ₹15 |
🧮 Example Calculation
Employee Retiring in June 2025
| Start Year | Units | Maturity Value | Total |
|---|---|---|---|
| 1990 | 1 | ₹23,254.59 | ₹23,254.59 |
| 2000 | 1 | ₹9,412.24 | ₹9,412.24 |
| 2010 | 2 | ₹3,363.92 | ₹6,727.84 |
| 2014 | 4 | ₹2,025.12 | ₹8,100.48 |
| Total | ₹47,495.15 | ||
📑 Download Official G.O. Copy
👉 Click here to Download G.O.MS.No.65 (Finance Dept., Dated: 27-10-2025) – PDF
📢 Important Notes
- Interest @7.1% continues till 30-06-2025.
- Applicable for employees retiring between July 2024 and June 2025.
- Follow prescribed Forms (Form-1 to Form-8) for GIS records.
- Director of Insurance will conduct post-audit of all payments.
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