1. Introduction: All eligible persons, as per the guidelines issued by the Armed Forces Welfare Housing Organization, are invited to apply for the purchase of dwelling units under the various projects or housing schemes that AFWHO announces from time to time. The schemes are aimed at the housing needs of serving and retired defense personnel, their families, and other eligible categories as per AFWHO guidelines.
2. Eligibility:  To apply for the purchase of dwelling units in the schemes launched by AFWHO, applicants must meet specific eligibility criteria as defined by the organization. These vary with the scheme and the type of dwelling units on offer. Generally, eligible persons
3. Eligibility for registration under AFWHO:  The following categories of persons are eligible to apply for the housing schemes introduced by the Armed Forces Welfare Housing Organization (AFWHO). These schemes will cater to the housing needs not only of active defense personnel but also of retired officials and their families. The eligibility criteria are so drafted that the welfare of the entire defense fraternity, including the paramilitary and police forces, is addressed.
4. Widows of Army, Air Force and Naval personnel who die in action.
5. Widows of Army, Air Force and Naval personnel who die in harness.
6. Serving and re-employed Permanent Commissioned Officers, Army, Airmen and Sailors of Air Force and Navy who have no prior allotment in any AFWHO schemes.
7. Serving and re-employed Permanent Commissioned Officers Def. /Govt. & PSU’s.
8. Serving Short Service Commissioned officers of the Air Force/Army and Navy.
9. Widows of Def. /Govt. & PSU’s personnel who are in receipt of Family pension.
10. Retired Def. /Govt. & PSU’s who are in receipt of Pension or Disability Pension.
11. Widows of Def./Govt.& PSU’s Personnel who get re-married.
12. Serving Army, Air Force and Naval personnel and their widows.
13. Retired Army, Air Force and Naval personnel and their widows in receipt of pension / family pension.

In this category fall all military people currently in the Army, Navy, or Air Force; they also include those who have been employed by the government after retirement from service. The serving personnel help secure the country’s interests. AFWHO must take precedence over their need for housing.

Serving Personnel: All the serving members of the Indian Army, Navy and Air Force can apply for houses under AFWHO schemes.

Re-employed Personnel: Retired people re-employed in the Armed Forces or other Govt. offices are also eligible to get these schemes.

The retired personnel, who have honorably served in the Indian Armed Forces, either in the Army, Navy, or Air Force, are eligible to apply for AFWHO housing schemes. They, after years of service to the nation, deserve to be housed affordably and of quality.

Eligibility Criteria: Individuals who completed their tenure of service, and it encompasses all the branches of the Armed Forces, ORs.

Retirement Benefits: Defense personnel retiring after serving for several years get an opportunity to take suitable housing for themselves and their family at reasonable rates.

The spouse of an Armed Forces official who has died due to service or after retirement is eligible to apply for the housing schemes. It is one category that ensures the families of fallen heroes are supported and offered a secure place to live.

Eligibility: The deceased Armed Forces official should have been a part of the Indian Army, Navy, or Air Force.

The eligibility criteria also extend to the blood relations and dependents of Armed Forces personnel. These categories include:

Parents: The biological or legally adopted parents of the serving or retired Armed Forces officer.

Spouse: The spouse of the serving or retired Armed Forces official.

Children: The biological or legally adopted children of the serving or retired Armed Forces official, including stepchildren and legally adopted children.

Grandchildren: The grandchildren of the serving or retired Armed Forces official in case they depend on the officer.

Siblings: Biological brothers and sisters together with their spouses.

This category ensures that the dependents and immediate family members of the Armed Forces officials are also eligible to apply for housing under the AFWHO schemes, thereby gifting them a secure future.

AFWHO also extends its housing schemes to paramilitary and police forces, thereby ensuring that personnel from these organizations also, who contribute a great deal to national security, may benefit from affordable housing options.

Para-Military Forces: These include personnel serving in forces such as the Border Security Force (BSF), Central Industrial Security Force (CISF), Central Reserve Police Force (CRPF), and other central and state paramilitary forces.

Police Forces: Serving personnel in various state and central police forces are also eligible for housing under AFWHO’s schemes.

This considers that the paramilitary and police forces play a significant role in ensuring internal security and peace and, therefore, AFWHO also respects their service by providing them the same housing benefits that the Armed Forces personnel are entitled to.

(Serving & Retired)

Apart from defense personnel, AFWHO has housing schemes for serving and retired employees of Central Government, State Government, and Public Sector Undertakings (PSUs).

Housing schemes are available for: Government employees: Present Central and State government or PSU employees, who are in possession of the requisite eligibility criteria, may apply for the housing schemes with AFWHO.

Retired Employees of Government: Similarly, retired government employees from Central/State Government and PSU are also entitled to apply.

This is part of the provision to identify government servants from either defense, administrative, and other departments, which forms a contribution to the public service and welfare of the country.

• Scope of Eligibility: This eligibility criterion is not restricted to just Armed Forces personnel but encompasses vast categories of government employees, like paramilitary and police forces, for all individuals serving the nation.

Documentation Required: Applicants should make sure to furnish all necessary documents to demonstrate eligibility. Such documents may include service records, proof of relationship (for dependents), death certificates in the case of spouses whose partners are deceased, and all other required documents according to the application form.

Special Considerations: In some cases, the eligibility criteria may include specific provisions for special categories or offer priority to certain groups, such as war widows, families of Killed-in-Action (KIA) personnel, or personnel with disabilities. These special categories will be clearly outlined when each scheme is announced.

AFWHO is looking forward to providing the broad mass of individuals who have contributed to the safety and security of the country with opportunities for housing in an effort to better the quality of life of defense personnel, their families, and other eligible groups by availing them with safe, affordable, and well-constructed homes that can guarantee their future.

To get specific information on eligibility criteria for individual housing schemes or to apply, visit the AFWHO website or reach our customer care service.

Notes:-

• Wait-listed registrants of an ongoing scheme on preferred location will get priority for allotment of a Dwelling Unit in a subsequent scheme, if any, in the same preferred location, provided they have no prior allotment in any AFWHO scheme and have not been refunded their registration money.
• Widows of Air Force and Naval personnel who die in action or harness can register even after the scheme is closed or fully subscribed and shall take precedence over all other wait-listed registrants, under all categories. As regards their inter-se-seniority, the rule of First Come First Served shall apply. Widows who are re-married will be eligible to apply.
• Serving/retired Medical and Dental officers are eligible.
• Where both husband and wife are eligible to apply, only one of them shall be eligible for registration (Membership).
• Special Project status can be accorded by the AFWHO for schemes such as Holiday Homes, Old Age Homes, Farm Units and schemes in Hill Station, if undertaken by the AFWHO. Such criteria will be notified whilst promulgating/ launching such schemes from time to time.
•  Registrants/ allottee should fulfill all eligibility conditions at the time of applying.

       It is important for applicants to carefully review these criteria to ensure they qualify before proceeding with their application.