In This Guide, You Will Find All the Necessary Information on How to Receive and Check the Profit of the FGTS (Severance Indemnity Fund) in 2023 from Caixa Econômica.
The Caixa Econômica Federal will start payments on July 27, distributing a total of R$ 12.719 billion to workers with linked accounts to the fund. However, it is important to emphasize that the money will not be available for immediate withdrawal, as it is necessary to be classified in specific situations provided by the FGTS law. Additionally, we will show how to check the available balance in your account and obtain all the necessary information. Keep reading to learn more.
What Is The Profit of FGTS?
The profit of FGTS consists of the distribution of part of the results obtained by the Severance Indemnity Fund to workers who have active and inactive accounts. This distribution occurs annually, and in 2022 the fund had a profit of R$ 12.8 billion. For this year, 99% of this result will be distributed, as approved by the FGTS Curatorship Council.
Who Is Entitled to The Profit of FGTS in 2023?
Workers who had active and inactive accounts in FGTS until December 31, 2022, are entitled to the profit. About 132 million workers will receive this credit, proportional to the balance in their accounts on that date.
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How Is The Value of The Profit Calculated?
To calculate how much each worker will receive, it is necessary to multiply the account balance as of 12/31/2022 by the index of 0.02461511. This index is used to determine the proportion of the profit to be credited to each account.
How to Receive The Profit of FGTS?
The distribution of the profit of FGTS is carried out by Caixa Econômica Federal, which will credit the amount directly into each worker’s account. The money will be available in the FGTS statement and will be identified as “AC CRED DIST RESULTADO ANO BASE 12/2023“. However, it is important to emphasize that the amount cannot be withdrawn immediately.
Situations to Withdraw The Profit of FGTS: To access the profit amount of FGTS, the worker must fit into one of the situations provided for in the FGTS law. Some of the most common situations are:
- Dismissal Without Cause
- Purchase of a Home
- Retirement
Profitability of FGTS in 2022
In 2022, the profitability of FGTS was 7.09%, a percentage higher than inflation, which was 5.79%. However, it is important to highlight that this yield is still lower than the savings yield, which reached 7.89%.
Checking the Available Balance in FGTS: To check the amounts available in your FGTS account, it is necessary to use the app provided by Caixa Econômica Federal. Follow the steps below to make the inquiry:
- Open or update the FGTS app
- Click on “Log in to the app”
- Enter your CPF and click on “Next”
- Type in your password and click on “Log in”
- Confirm that you are not a robot by following the instructions requested by the app
- On the home page, click on “My FGTS”
- On the next page, all accounts linked to the Severance Indemnity Fund will be displayed
- To view the statement of each account, click on “View statement”
- The profit corresponding to each account will be credited, and it is important to check the amounts in each statement.

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