Published : July 13, 2026
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AP Government Revises APGIS Savings Fund Interest Rate for State Employees
The Government of Andhra Pradesh has issued G.O.Ms.No.54, Finance (Admn-III-DI, DSA) Department, dated 13 July 2026, announcing the revised Andhra Pradesh State Employees Group Insurance Scheme (APGIS) Savings Fund interest rate and updated maturity benefit tables.
According to the Government Order, the interest rate of 7.1% per annum on the accumulated Savings Fund will continue for the period from 01 July 2025 to 31 December 2025. The revised maturity value tables have also been released for easy calculation of GIS benefits.
APGIS 2025 Highlights
Particular Details
Scheme Andhra Pradesh State Employees Group Insurance Scheme (APGIS)
G.O. Number G.O.Ms.No.54
Department Finance (Admn-III-DI, DSA)
G.O. Date 13 July 2026
Interest Rate 7.1% Per Annum
Applicable Period 01 July 2025 – 31 December 2025
What is APGIS?
The Andhra Pradesh State Employees Group Insurance Scheme (APGIS) provides insurance coverage and savings benefits to State Government employees. Employees contribute monthly subscriptions based on their pay group, and the accumulated savings along with interest are paid at retirement or in eligible cases.
Revised Interest Rate
The Government has approved:
Interest Rate: 7.1% per annum
Applicable Period: 01-07-2025 to 31-12-2025
The revised tables include updated maturity values for every unit starting year from 1984 to 2025.
APGIS Subscription Units
The compulsory monthly subscription depends on the employee's pay group:
Group Subscription Units Monthly Deduction
Group A 8 Units ₹120
Group B 4 Units ₹60
Group C 2 Units ₹30
Group D 1 Unit ₹15
Revised Maturity Tables
The Government has issued revised maturity value tables showing the accumulated savings for every unit based on the year of commencement of subscription.
The tables cover:
Unit-wise maturity values
Quarterly interest calculations
Savings fund accumulation
Illustrative retirement calculations
Employees can use these tables to estimate the maturity amount receivable at retirement.
Important Instructions
The Government has instructed all:
Drawing & Disbursing Officers (DDOs)
Treasury Officers
Pay & Accounts Officers
Heads of Departments
to follow the revised tables while processing APGIS final claims and ensure proper maintenance of service register entries and subscription records.
Who Will Benefit?
The revised APGIS tables are useful for:
Andhra Pradesh Government Employees
Teachers
Secretariat Employees
Pension Sanctioning Authorities
DDOs
Treasury Officials
Retiring Employees
Frequently Asked Questions (FAQs)
What is the revised APGIS interest rate?
7.1% per annum.
Which period does the revised rate apply to?
01 July 2025 to 31 December 2025.
Which Government Order announced the revision?
G.O.Ms.No.54, Finance Department, dated 13 July 2026.
Who should use the revised tables?
All Andhra Pradesh Government employees covered under the APGIS scheme and the concerned sanctioning authorities.
Are revised maturity tables included?
Yes. The Government Order contains updated maturity value tables and illustrative calculations.
Conclusion
The Andhra Pradesh Government has continued the 7.1% annual interest rate for the APGIS Savings Fund for the period from 1 July 2025 to 31 December 2025 and released updated maturity value tables. Government employees and DDOs should refer to these revised tables while processing APGIS claims to ensure accurate settlement.
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