AWHO Army Housing — Quick Overview
| Scheme Name | AWHO 2026 — Army Welfare Housing Organisation | Affordable Flats for Veterans |
| Launched By | Government of India |
| Launch Year | 1978 |
| Benefit | Affordable flats/plots for Army personnel at 15–25% below market — ₹15 lakh to ₹2 crore range |
| Category | Defence |
| Last Verified | 23 May 2026 |
| Official Portal | https://www.awhosena.in |
What is AWHO Army Housing?
The Army Welfare Housing Organisation (AWHO) is a registered society formed in December 1978 under the Societies Registration Act XXI of 1860 with the singular mission to construct and allot quality dwelling units to serving and retired Army personnel, their widows, and parents of unmarried fatal casualties — at the most affordable rates possible. AWHO operates on a no-profit-no-loss basis under the aegis of the Adjutant General's Branch of the Indian Army. Projects are spread across North, South, East, West zones and NCR — including flats, duplex units, plots, and independent villas. AWHO offers significant savings of 15–25% versus market rates due to bulk land procurement, military engineering services, and zero developer margin. Selected projects also accommodate Air Force, Navy, and Coast Guard personnel subject to availability. Application is online at awhosena.in with project-specific draws conducted transparently. AWHO has delivered 50,000+ dwelling units across 70+ projects in 4+ decades.
Under this scheme, eligible beneficiaries receive Affordable flats/plots for Army personnel at 15–25% below market — ₹15 lakh to ₹2 crore range. The scheme was launched in 1978 and is implemented by the Government of India.
Benefits of AWHO Army Housing
Affordable flats/plots for Army personnel at 15–25% below market — ₹15 lakh to ₹2 crore range
Who is Eligible for AWHO Army Housing?
- ✓Serving Indian Army personnel (Officers, JCOs, Other Ranks) — all ranks
- ✓Retired Army personnel (Ex-Servicemen) drawing pension
- ✓Widows of Army personnel (war widows and natural death widows)
- ✓Parents of unmarried fatal casualties (battle casualty or attributable death)
- ✓Air Force, Navy, Coast Guard personnel — subject to vacancy in specific AWHO projects
- ✓Selected Defence Civilians in MES/DRDO/Ordnance Factory — case-by-case basis
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Documents Required for AWHO Army Housing
How to Apply for AWHO Army Housing Online?
- 1Visit the official AWHO website awhosena.in — register with service number, name, and mobile
- 2Pay the one-time AWHO membership fee (~₹5,000) — required before applying to any project
- 3Browse the list of upcoming and ongoing AWHO projects — see location, BHK options, price
- 4Select the project of choice and click 'Apply' — fill application form with personal & service details
- 5Upload documents: service ID/PPO, Aadhaar, PAN, bank details, family details
- 6Pay project booking amount (typically ₹1–5 lakh refundable if not allotted) via online payment gateway
- 7Wait for the project draw — AWHO conducts transparent computerized draw if applications exceed available units
- 8If allotted, sign Allotment Letter — pay subsequent instalments per construction-linked payment plan (typically 4–6 instalments over 2–3 years)
- 9Take possession on project completion — register property in your name (AWHO assists with sale deed and home loan)
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on www.awhosena.inFrequently Asked Questions — AWHO Army Housing
Common Questions About Defence Schemes
What is the Seva Nidhi Package under Agniveer scheme?+
On completion of 4 years, Agniveers receive Rs.11.71 lakh as Seva Nidhi which includes their monthly contribution plus the government matching contribution with interest.
What percentage of Agniveers are retained permanently?+
Up to 25% of Agniveers are eligible to be enrolled as regular cadre in the armed forces based on merit, medical fitness, and performance.
Who is eligible for ECHS Smart Card?+
All Armed Forces veterans drawing pension (including disability pension and family pension), their spouses, dependent unmarried/divorced/widowed daughters, dependent unmarried sons up to 25 years, handicapped children of any age, and dependent parents. Pre-Mature Retirement (PMR) personnel also eligible.
What is the ECHS membership fee?+
ECHS membership requires a one-time contribution based on the veteran's rank at retirement. Rates range from approximately ₹30,000 (for Sepoy/Equivalent rank) to ₹1,20,000 (for Officer rank). Family pensioners pay the same rate as the deceased ESM's rank. Payable online during application.
Who is eligible for CSD Smart Card?+
All serving personnel (Army, Navy, Air Force, Coast Guard, Assam Rifles), Ex-Servicemen with 5+ years service or medically discharged, defence civilians (DSC/MES/BRO/GREF), war widows, family pensioners, and their dependents (spouse, unmarried children, dependent parents).
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CSD Canteen Smart Card 2026 — Apply Online | Subsidized Groceries & Liquor for Veterans
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OROP One Rank One Pension 2026 — Uniform Pension for All Armed Forces Veterans
One Rank One Pension (OROP), implemented on 7 November 2015 with effect from 1 July 2014, ensures that ALL Armed Forces veterans of the same RANK and same LENGTH of service receive the SAME pension — regardless of when they retired. This corrects a historical injustice where older retirees received much lower pensions than those who retired later (despite equivalent rank and service). The latest OROP revision (OROP-2) was approved on 23 December 2022 with effect from 1 July 2019 — covering 25.13 lakh defence pensioners with arrears of ₹23,638 crore (paid in 4 installments). Future revisions happen every 5 years, with the next OROP-3 revision expected in 2024-25 (already announced). Administered by Department of Ex-Servicemen Welfare (DESW), Ministry of Defence. The scheme covers Army, Navy, Air Force, Coast Guard, and select paramilitary forces.