Overview
- The deposit window runs from November 1–15, with the effective deadline moved to Friday, November 14 because the 15th falls on a Saturday.
- Many deposits appear first as an accounting balance and become available after internal validation, typically within 48 hours according to BCP.
- BCP, Interbank and Scotiabank enable withdrawals via apps, online banking, ATMs or branches, though Interbank may require employer authorization if the account is not set for free availability.
- Sunafil classifies late or missing CTS deposits as a serious infraction, with fines that scale by company size and can reach up to S/139,742 for medium and large firms.
- Eligible private‑sector employees on payroll receive CTS based on salary plus one‑sixth of the last bonus, divided by 12 and multiplied by months worked, with proportional rules for shorter service.