Overview
- Private employers, facing Friday’s cutoff, must deposit the November–April CTS into the worker’s chosen bank or face legal interest and fines ranging from S/2,475 to S/143,660.
- Eligibility covers private‑sector employees who worked at least four hours a day, stayed on payroll as of April 30, and completed at least one month in the semester, with special rules for small and micro firms registered in Remype.
- Deposits may show first as a ledger balance and only become withdrawable after processing, which Sunafil says can take up to 48 business hours.
- Law N.° 32322 lets employees access 100% of their CTS until December 31, 2026, a window that experts say should prompt plans to build an emergency fund or pay down high‑interest debt.
- SBS data show wide gaps in CTS yields, with some cajas and financieras near 6%–7% while big banks pay much less, and workers can request a transfer to a higher‑rate institution.