AGIF calculator: subscription and insurance cover
Estimate subscription payments at the selected rate and see the listed insurance cover. This tool does not calculate your retirement maturity payout or reconstruct past deductions.
Planning retirement? Check the service pension calculator and pension calculation guide. Subscription payments, insurance cover and pension are different amounts.
Every serving soldier pays into the Army Group Insurance Fund (AGIF) each month, and most families never learn what that money actually buys. It buys two things: a life insurance cover that goes to the family if death occurs during service, and a savings element that comes back with the fund's declared returns on retirement.
From 1 April 2025, the published figures are: officers pay ₹12,500 a month for a cover of ₹1.25 crore; JCOs and ORs pay ₹7,500 a month for a cover of ₹75 lakh.
| Rank group | Monthly subscription | Life cover |
|---|---|---|
| JCO / OR | ₹7,500 | ₹75,00,000 |
| Commissioned Officer | ₹12,500 | ₹1,25,00,000 |
Calculator
Whatever you type stays in this browser — it is not sent to any server and not recorded anywhere. Details in Privacy. The figures come from rates.json — that file is public on purpose, so anyone can check what this site calculates with.
AGIF subscription calculation formula
This calculator uses monthly subscription × 12 × years entered. It applies the selected monthly rate to every year; it does not add interest or calculate the savings benefit.
Fictional example: at an assumed monthly subscription of ₹1,000 for 2 years, the arithmetic is 1,000 × 12 × 2 = ₹24,000. This is an illustration of the formula, not an AGIF rate or retirement payout.
For actual past deductions, total the amounts in your own statements for each period. A single current rate cannot reproduce a service history with changing rates. Do not post personal statements, service numbers or account details here.
Worth being clear about
- The maturity figure is AGIF's to give, not ours to guess. The savings element accumulates on the fund's own declared tables, and those tables are not public. Any website that shows you an exact AGIF maturity amount is making it up — your AGIF statement or Record Office has the real figure.
- Rates were lower earlier: the subscription has been revised upwards over the years — the current rates apply from 1 April 2025. The plain total this page shows uses today's rate for every year, so treat it as an upper-side simplification.
- Disability and extended cover: AGIF also runs disability benefits and a post-retirement Extended Insurance scheme — separate from the main cover, not calculated here.
- This is not the ₹48-lakh Agniveer cover: Agniveers have their own non-contributory insurance under the Agnipath scheme — see the Agniveer page.
Frequently asked questions
How much will AGIF return to me at retirement?
Only AGIF can say — the savings element grows on the fund's own declared tables, and those tables are not public. Your AGIF statement or Record Office has the real figure. A website showing you an exact maturity amount is making it up, and this site refuses to.
Does the whole subscription go into insurance?
No. Part of it pays for the risk cover, and the rest accumulates as your savings — that saved part comes back to you at retirement with the fund's returns.
Does the cover continue after retirement?
The main cover is for service. AGIF runs a separate post-retirement Extended Insurance scheme — opted into at retirement, with its own premium and cover.
Do Agniveers pay AGIF too?
No — Agniveers have their own non-contributory ₹48 lakh cover under the Agnipath scheme. AGIF subscription applies to regular service.
Sources
- AGIF letter No. A/56271/R/AG/Ins (Coord) dated 22 April 2025 — "Change in Rate of Subscription: Army Group Insurance Fund (AGIF)", approved by the 80th Board of Governors meeting of 4 April 2025, effective 1 April 2025: subscription ₹12,500 (officers) and ₹7,500 (JCOs/ORs) a month, cover ₹1.25 crore and ₹75 lakh, plus disability cover of ₹25 lakh and ₹12.5 lakh. Read in full on 3 August 2026 from the scanned circular published by PCDA (O) Pune — the Defence Accounts office that actually deducts the subscription.
- Caution: AGIF has no working website — beware of private sites posing as "the official AGIF portal". AGIF's own 2019 advisory ("Fraud in the Name of AGIF") lists only phone and postal contact.
This is general information, not legal or financial advice. AGIF's own statements and circulars are the authoritative record — confirm your case with your Record Office or AGIF directly. Sainik Desk is a private website with no government affiliation, and no affiliation with AGIF.