AWHO Army Housing

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.

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

Documents Required for AWHO Army Housing

How to Apply for AWHO Army Housing Online?

1. 1Visit the official AWHO website awhosena.in — register with service number, name, and mobile
2. 2Pay the one-time AWHO membership fee (~₹5,000) — required before applying to any project
3. 3Browse the list of upcoming and ongoing AWHO projects — see location, BHK options, price
4. 4Select the project of choice and click 'Apply' — fill application form with personal & service details
5. 5Upload documents: service ID/PPO, Aadhaar, PAN, bank details, family details
6. 6Pay project booking amount (typically ₹1–5 lakh refundable if not allotted) via online payment gateway
7. 7Wait for the project draw — AWHO conducts transparent computerized draw if applications exceed available units
8. 8If allotted, sign Allotment Letter — pay subsequent instalments per construction-linked payment plan (typically 4–6 instalments over 2–3 years)
9. 9Take possession on project completion — register property in your name (AWHO assists with sale deed and home loan)

Frequently Asked Questions — AWHO Army Housing