What is AWHO Flats ?
AWHO stands for “Army Welfare Housing Organization,” which is an organization in India that provides residential accommodation to serving and retired army personnel and their families. AWHO constructs and manages housing projects in various cities across India to provide affordable and comfortable living spaces for military personnel.
These housing units, often referred to as “AWHO flats” or “AWHO dwellings,” are designed to meet the housing needs of army personnel and their families in different locations. They are typically available at subsidized rates and are part of the organization’s efforts to improve the quality of life for army personnel. The specific types and features of AWHO flats can vary depending on the project and location. Army personnel can apply for these units based on their eligibility criteria and availability.
Who can apply for AWHO Flats ?
(a) Regular Army Personnel – (i) All Ranks serving on Regular terms/ Short Service at the time of acceptance of application. (ii) All Ranks who have retired having put in minimum of 5 years of service. (iii) Battle Casualties boarded out of service.
(b) Medical Officers who on getting commission become members of the Army Officers Benevolent Fund and have not registered for/allotted a DU by AFNHB.
(c) Army Postal Service – Serving Personnel of the APS who have served a minimum of 10 years of service in the Army or have retired directly from APS without reverting back to the parent unit after atleast ten years of service.
(d) Territorial Army- Personnel who have been embodied in the Territorial Army and have an aggregate of ten years embodied service (e) Widows of serving/retired army personnel who are in receipt of pension from CDA (P) Allahabad.
(f) Employees of AWHO who have rendered a minimum of 10 years of service in the organization. Employees who have retired/released from AWHO are not eligible.
(g) Parents of unmarried Fatal Battle/ Other Casualties who are in receipt of pension from CDA (P) Allahabad.
(j) (a) Other Personnel Categories – (i) Assam Rifles and GREF personnel. (ii) Air Force, Naval personnel and Indian Cost Guard (ICG) including their widows. (iii) Other Para Military Personnel. (iv) Civilian paid from Defence Service Estimate. (v) Retired TA personnel who are pension holders for continuous embodied serve or broken spells of qualifying service.
How to apply for AWHO Flats at various cities in India
You may obtain Application Form and Master Brochure by Registered post by Sending Rs 168/- DD/IPO in favour of MD, AWHO payable at Delhi/New Delhi.
On Cash payment of Rs 112/- from HQ AWHO Office
Army Welfare Housing Organisation
New Delhi – 110011
Application form may be collected On Cash payment of Rs 112/- from AWHO Project Manager Office.
Download theApplication Formfrom website and take the print out on 8.5″ x 14″ (Legal) size paper.
1. Please take the Printout on Legal Size paper.
2. Please ensure that Para 17 is printed properly in your downloaded form. Please ensure that photograph and signature of applicant @ Para 23 is verified by the following:
All Serving Personnel: Commanding Officersand Ex servicemen,
Widows and Parents of Unmarried Fatal Casualties: Secretary, District Soldiers, Sailors and Airmen Board or any 1st class gazette officer in Area HQ/ Sub Area HQ/ Station HQ or by the Sub Divisional Magistrate of the district of which the applicant is a resident.
3. Documents to be submitted attested by authority as mentioned above:
Copy of Release/ Retirement order (in case of retired/ retiring personnel)
Copy of Pension Pay Order (in case of retired personnel, widows and parents of unmarried Fatal Casualties) Copy of Death certificate (in case of widows and parents of unmarried Fatal Casualties)
How much Home Loan I can get ?
A: The Loan amount is as under:
(a) Maximum loan from Govt (HBA) for AWHO property is Rs.2.1 lac provided the cost of flat is not more than Rs.37.5 Lacs.
(b) Maximum loan which can be availed from AGIF is Rs.80 lac for Offrs, Rs.35 lac for JCOs & Rs.30 lac for OR but the actual amount of loan is determined by the net salary one receives and the number of years of residual service in the present rank.
(c) Repayment capacity is one of the main criteria for determining the loan amount. The loan amount cannot exceed 85% of the cost of the dwelling unit (DU). Most agencies give only upto 85% of the cost of DU.
(d) AGIF takes only the salary into consideration but Housing Finance Companies and Banks can take the co-owner’s/ spouse’s income and also income from other sources into consideration for calculation of Loan amount eligibility.
Some Important Updates from AWHO as link given below
HADAPSAR PH-II, PUNE : OCCUPATION CERTIFICATE (OC) ;
GREATER NOIDA (PHASE-IV) : REGISTRATION OF FLATS (DUS) ;
KOLKATA (RAJARHAT) : REFUND OF DEMAND SURVEY REGISTRANTS ;
ASSISTANCE SCHEME : OPENING OF REGN FOR SIGNATURE GLOBAL CITY SECT-63A & 92, GURGAON ;
MYSURU (KESARE) : HANDING OVER OF DEVELOPED PLOTS ;
FINAL NOTICE : DELAY IN TAKING POSSESSION OF DU IN MOHALI (SECT-114), GURGAON SECT-95, PUNE (WAGHOLI) AND OMR CHENNAI PROJECTS ;
DEMAND SURVEY FOR BAHADURGARH (HARYANA) ;
ADVISORY TO INDIVIDUALS/ SOCITIES ;
UPDATE ON DWARKA SECT-22 AND 23 PROJECT ;
CHANDIGARH, SEC-44A : REFUND OF AMOUNT OF VETERANS/RESIDENTS ;
DEMAND SURVEY :ALLAHABAD,COIMBATORE,MEERUT&PUNE;
PANCHKULA SEC-20 PROJECT : REFUND OF INTEREST ;
GREATER NOIDA PH-IV : ALLOTTEES UPDATION OF BANK DETAILS
Registrants of JJAY Bahadurgarh and JJAY Secunderabad projects may apply for withdrawal or transfer to any other project.
Civilians paid from Defence Service Estimates need to submit Service Certificate. Plsclick herefor format.