About Us
At the Armed Forces Welfare Housing Organisation (AFWHO), we are driven by a steadfast commitment to transforming lives and building a brighter, more secure future. Our passion lies in creating meaningful impact—not just through the homes we help secure,but through the trust and value we deliver to every individual and community we serve. Our vision is rooted in the well-being of our clients, our dedicated staff, our environment, and the broader society.
AFWHO is one of the most established and trusted names in the real estate sector, operating with a unique mission: to initiate, promote, and fulfil the housing needs of our nation’s heroes—serving and retired Armed Forces personnel, including members of the Paramilitary Forces, Police Forces, and Central and State Government employees. Founded on the principles of integrity, transparency, and social responsibility, AFWHO was created to address a critical need: to support those who dedicate their lives to national service in achieving their dream of homeownership.
Our strength lies in our multidisciplinary team of professionals with rich experience in real estate, legal compliance, urban planning, and financial consultancy. This diversity empowers us to understand the unique needs of our clientele and deliver solutions that are both innovative and grounded in deep industry insight. Every project we undertake is backed by thorough due diligence—location, land title clarity, value appreciation, and ROI potential.
At AFWHO, we leave no stone unturned in our pursuit of excellence. Our tireless efforts are aimed at fulfilling every member’s aspiration of owning a quality home—delivered on time, within budget, and with utmost transparency. We believe our commitment will continue transforming the lives of those who serve our nation, one home at a time.
ABOUT THE PRESIDENT
Captain (IN) Sandip Kapoor (Retd.) serves as the President of AFWHO. He was commissioned into the Executive Branch of the Indian Navy in July 1989 and served the nation with distinction for nearly three decades. After voluntarily retiring in June 2018, he has been deeply engaged in welfare initiatives for both the Armed Forces community and the public at large.
During the final 7.5 years of his naval service, he played a pivotal role in the Air Force Naval Housing Board (AFNHB)—first as Project Director of the New Town, Kolkata project, and later as General Manager (Admin; Land Acquisition) at AFNHB Headquarters in New Delhi. His extensive experience in project management, administration, and land acquisition has been instrumental in shaping AFWHO’s strategic direction.
Post-retirement, Captain Kapoor continues to channel his leadership and service ethos into impactful initiatives that uplift and support the defence community—a commitment that defines his vision for AFWHO today.
President
PRESIDENT’S MESSAGE
Dear Members and Well-Wishers,
It is with great pride and a deep sense of responsibility that I share this message on behalf of the Armed Forces Welfare Housing Organisation (AFWHO)—a business entity committed to addressing the housing needs of our brave men and women in uniform with its fair business practices. Our mission is rooted in a singular objective: to provide high-quality, affordable housing solutions to serving and retired personnel of the Armed Forces who often find it difficult to plan for homeownership due to demanding service conditions, frequent postings, and operational deployments in remote and inaccessible areas.
Housing is not just a basic necessity—it is the foundation of stability, dignity, and well-being for every soldier and their family. Recognizing this, AFWHO has expanded its focus beyond primary homeownership to also support second home acquisitions, offering our members a greater sense of security and investment for their future.
Our organisation takes a proactive approach. Before any project is conceived or launched, we conduct preliminary demand surveys in potential locations to understand both specific needs and broader trends. This data-driven approach ensures that every project is viable, relevant, and truly serves the community it is intended for. Only after rigorous due diligence—which includes evaluating location potential, verifying land records, assessing legal clearances, and analysing prospects for long-term value appreciation—do we move ahead with negotiations and partnerships with reputed developers.
As the President of AFWHO, I want to assure all our existing and future members that the organisation remains unwavering in its commitment to transparency, quality, and service. Our team works tirelessly to offer homes that are not just structurally sound and well-located, but also cost-effective and future-proof, tailored to the evolving needs of our members.
We believe that owning a home should not be a distant dream for those who serve our country. It should be an achievable reality—one that brings comfort, pride, and peace of mind.
Together, with your trust and participation, I am confident that AFWHO will continue to grow as a trusted ally in your journey toward homeownership and welfare.
Warm regards,
Captain (IN) Sandip Kapoor (Retd.)
President, AFWHO
Vice President
VICE PRESIDENT
WG Cdr AK Suri (Retd.) served as an administrative officer in the Indian Air Force for 30 years, overseeing a wide range of administrative services with excellence and dedication. He holds an M.A., LLB, and MBA from Delhi University. Throughout his career, he has completed the Advanced Work Study course and the Capital Works course, further strengthening his expertise in infrastructure and project management.
He has also served as a Project Director for AFNHB, contributing significantly to the successful execution and management of major housing initiatives.
With a commitment to ensuring security, trust, and reliability in the real estate sector, he strives to uphold the highest standards of service—providing members with a sense of confidence and peace of mind.
(Secretary)
SECRETARY
Nitin, Organisation Visionary.
With over 18 years of experience in marketing and sales, Nitin is a seasoned leader in
the real estate industry. As the Secretary of AFWHO, he leverages his deep expertise to
drive business growth, build strong client relationships, and lead impactful initiatives
that strengthen the organisation’s vision and mission.
Nitin excels in crafting compelling brand stories through strategic storytelling and innovative marketing practices. His leadership spans across marketing excellence, brand positioning, and the development of powerful narratives that enhance organisational credibility and client trust.
He is highly skilled in designing effective project and builder search strategies, ensuring members receive reliable, well-researched, and value-driven housing solutions.
His key expertise includes:
1. Project Search: Identifying projects that match client needs through
detailed market analysis and surveys.
2. Building Trust: Establishing strong, long-term client relationships
through transparency, reliability, and consistent communication.
Key Strengths:
1. Market Insight: A deep understanding of market trends, buyer behaviour,
and emerging opportunities.
2. Client-Centric Approach: Prioritising client satisfaction and delivering
solutions that create long-term value.
As Secretary of AFWHO, Nitin’s dedication, leadership, and commitment to excellence play a pivotal role in driving the organisation’s success. His forward-thinking approach continues to enhance brand reputation, operational efficiency, and member satisfaction—making him an invaluable asset to AFWHO.
WHY AFWHO ?
The Armed Forces Welfare Housing Organisation (AFWHO) is a dedicated, service-oriented entity established with the primary objective of initiating, promoting, and executing housing initiatives for serving and retired personnel of the Armed Forces, including members of the Paramilitary, Police Forces, Central/State Governments, and Public Sector Undertakings (PSUs). Registered under Section 1882 of the relevant Act, AFWHO operates strictly in accordance with its provisions, upholding them in both letter and spirit.
AFWHO’s core mission is to enhance the quality of life of our men and women in uniform by facilitating access to affordable housing. This includes negotiating and arranging exclusive residential projects—such as plots, apartments, flats, independent floors, and farmhouses—tailored to meet the unique needs of community living for our personnel.
Special focus is given to serving members stationed in remote locations who face challenges in fulfilling their housing aspirations due to service-related constraints. AFWHO enables them to acquire homes at locations of their choice, within their financial reach.
In addition, AFWHO supports the provision of vacation homes for individuals and families seeking a peaceful retreat from daily life. Whether a beach house, mountain cabin, or countryside villa, these homes provide a tranquil environment to relax, rejuvenate, and create cherished memories.
While AFWHO does not engage in the direct development or construction of housing projects, it plays a crucial role in negotiating with reputed builders and developers to secure the best possible rates without compromising on construction quality.
The organisation is led by retired officers of the Indian Defence Services, supported by a team of experienced professionals from diverse fields, collectively working towards the well-being of service personnel.
Trustworthy organisation, fostering confidence and satisfaction, dedicated to providing a moral and reliable marketplace experience for customers.
Our mission is to provide best possible service to our members and to act in the best interest of our members and provide them with the best possible customized housing solutions.
To provide our members with cutting-edge, specialist solutions and to aid them in making wise decisions when buying their ideal house or plot of land.
Honesty, transparency, and loyalty are fundamental to us. We uphold these values in everything we do, ensuring trust and integrity at every step.
