SIPF Helpline Number : 1800 180 6268
RGHS Helpline Number : 181

Account Holders

The Group Insurance Scheme for All India Service Officers was implemented by Government of India on 1.1.1982. It is compulsory for all officers recruited directly to the Services.

The rates of deduction are as follows:

Sl. No. Period Deduction Saving Fund Insurance Fund
1 Jan/1982 to Dec/1987 Rs. 80 68.75% (Rs. 55) 31.25% (Rs. 25)
2 Jan/1988 till today Rs. 120 70% (Rs. 84) 30% (Rs. 36)

The Deductions are bifurcated into two parts as shown above. On Super annuation the sum of saving Fund is paid and in case of unfortunate death along with saving fund, the sum assured of Rs. 1,20,000 is paid to lawful nominee.

The Deductions are sent in advance for the month to the concerned Ministeries of Government Of India, who do the account keeping for the scheme. The claims are also paid by concerned ministries,. The interest rates for saving fund are as per rates declared under General Provident Scheme. The rates are as follows:

From To Rate of Interest
01-Jan-1982 31-Dec-1982 10%
01-Jan-1983 31-Dec-1986 11%
01-Jan-1987 31-Dec-2000 12%
01-Jan-2001 31-Dec-2001 11%
01-Jan-2002 31-Dec-2002 9.5%
01-Jan-2003 31-Dec-2003 9%
01-Jan-2004 31-Dec-2011 8%