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Caixa Econômica Federal began depositing FGTS profits this Thursday (27). The total amount distributed will be R$12.7 billion!
One of the most talked about topics by workers in recent days is the profit from the Severance Pay Guarantee Fund.
Although it is not such a new topic, since payment is made annually, people still have many doubts about this topic.
Therefore, in today’s text, we will clarify the main ones. So, don’t leave this text before you have discovered each one of them! Follow along!
What is FGTS Profit?
FGTS Profit is a form of financial transfer that began to be carried out in 2017 for workers who have a balance in an inactive or active account in the Severance Pay Guarantee Fund (FGTS).
You certainly already know that the FGTS is a labor benefit created by the Brazilian government that aims to protect workers in the event of unfair dismissal.
Furthermore, it can be used in several other situations, including birthday withdrawal, it is possible to withdraw a partial amount annually, even without having any specific reason.
As of 2017, the distribution of FGTS net profits became mandatory for all workers who have a balance in their accounts linked to the fund.
However, before that, the worker only received monetary correction and interest on the existing balance.
This financial transfer is calculated based on a percentage of the FGTS net profit obtained in the previous year.
THE profit comes from investments made with the fund in areas such as housing, infrastructure and basic sanitation, for example.
The amount of the transfer may vary depending on the worker's account balance, that is, those who had more money in their account on December 31, 2022, will receive a higher amount.
However, it is important to highlight that the transfer is limited to a certain percentage of the account balance, established by the government.
How do I know if I receive FGTS profit?
First of all, it is important to know what the main rule is for being eligible to receive FGTS profits.
Workers who had a balance in an inactive or active FGTS account on December 31 of last year, that is, 2022, are entitled to receive this financial resource.
If you had a balance in an FGTS account on that exact day, access the FGTS app and get a statement.
This money is identified on the statement with the following code: “Ac Cred Dist Result Base Year 12/2022”.
It is important to note that the percentage released may vary. This year, for example, the government authorized the release of 99% of the profit.
In 2017, the year in which the transfer began, the government authorized 50% of the profit, with 2016 as the base year, the total value distributed was R$7.3 billion.
According to CEF, 132 million people are eligible to receive this financial transfer.
When will the Guarantee Fund Profit be deposited?
In total, the amount distributed from the FGTS profit is 12.7 billion. Deposits began to be made on Thursday (27) and will continue until July 31.
However, the deadline provided for by law is August 31. But everything indicates that the amounts will be credited at least one month in advance.
The credit is being made to the FGTS accounts of eligible individuals.
Can you withdraw FGTS profits?
No. The FGTS profit is not a withdrawal of the balance, as in the anniversary withdrawal. It is an additional amount credited to the worker's FGTS account.
Therefore, it cannot be withdrawn immediately and is kept in the linked account until the legal criteria for withdrawal are met.
The purpose of this transfer is to guarantee additional remuneration to the worker, increasing the yield of their FGTS balance.
This year, the profit will increase the FGTS yield by 7.09%, in fact, the index is higher than the IPCA in 2022, the official inflation was 5.79%.
How to check FGTS Profit 2023?
THE consultation can be carried out through the Caixa website or through the FGTS application. If you are a Caixa customer, you can also check through your account app.
Another way to consult is in person, at a Caixa branch.
Where will it be deposited?
THE financial transfer is credited to the worker's FGTS account, the same one in which the consultation is carried out.
To access your FGTS profit, you do not need to make a request or sign up. This is because the amount is credited automatically.
How much will each worker receive from the FGTS profit?
The amount varies according to the balance available in the account, as previously mentioned. According to the government, for every R$100.00 of balance, the worker will receive a credit of R$2.46.
To find out the exact amount, you must multiply the amount available in the Guarantee Fund in December 2022 by 0.02461511.
For example, if you had R$2,000 on that date, you would receive a profit of R$49.23.
To facilitate this calculation, we recommend the calculator available at O Globo website. Access and enter a balance value, do not use periods or commas.
Then click on “Calculate” and see the result below.
How to download the FGTS application?
First, open your phone's app store, Play Store for Android and App Store for iOS.
In the magnifying glass field, type the name “FGTS” and click search. It will usually be the first option to appear.
Remember that the developer of the application is the Federal Savings Bank. Therefore, do not download any application that does not have the bank's name on it.
Check out our other posts that may interest you: 👉FGTS loan from R$100? How to do it?
Conclusion
THE FGTS profit 2023, Although it is not a financial resource that can be withdrawn early, it is still an interesting benefit.
This is because it can increase the value of the Guarantee Fund, so when you withdraw yours you will receive a higher amount, and the 40% fine on the FGTS value will also be higher.
Therefore, download the app or access the Caixa website to see if your profit has already been credited.
References: The Globe and State
