Overview
- Millions of workers, following Friday’s deposit deadline, can now withdraw up to 100% of their CTS until December 31, 2026 under Law 32322.
- Employers that missed the May payment or the liquidation sheet face Sunafil fines that the Lima Chamber of Commerce pegs at up to S/143,000, scaled by company size.
- To keep funds, banks and cajas are lifting CTS interest, with offers reported up to 7.5% from entities such as Caja del Santa and Caja Trujillo.
- Workers can ask their employer to move their CTS to a bank or caja that pays more, which some institutions link to also receiving the salary there.
- With 12‑month inflation in Lima at 4.01%, advisors warn that idle balances lose buying power and note BCRP data showing CTS stocks fell from S/21,824m in February 2021 to S/9,516m at end‑2025.