Overview
- Because Nov. 15 falls on a Saturday this year, the MTPE confirms employers have until Monday, Nov. 17, 2025 to complete the November CTS deposit.
- Workers report that many payments have already posted, though companies may legally deposit any time up to the extended deadline.
- A temporary law permits workers to withdraw 100% of their CTS funds until Dec. 31, 2026, after which the permanent rule allows access to up to 50%.
- Late or missing deposits constitute a serious infraction subject to Sunafil penalties, with fines reported up to S/139,742 depending on firm size and affected staff.
- Interest paid on CTS balances varies sharply across institutions, with SBS data showing microfinance entities and cajas offering rates up to 6.9% TREA, far above major banks.