Defence/Railway Housing💰 HIGH DEMAND
CGEWHO Central Govt Employees Welfare Housing 2026 — Concessional Flats for Central Govt Staff
📍 Pan India, All IndiaLast updated:
💰 Benefit
15-25% below market prices flats for central government employees — clear CGEWHO title with PSU loan tie-ups
Last verified: · How we verify scheme facts
Key Facts
- Price Range
- ₹25 lakh – ₹2.5 crore (city-dependent)
- Flat / Plot Types
- 1BHK, 2BHK, 3BHK, 4BHK — based on grade pay
- Application Fee
- ₹10,000 (refundable)
- Next Lottery
- Project-wise applications
| Price Range | ₹25 lakh – ₹2.5 crore (city-dependent) |
| Flat / Plot Types | 1BHK, 2BHK, 3BHK, 4BHK — based on grade pay |
| Application Fee | ₹10,000 (refundable) |
| Next Lottery (Expected) | Project-wise applications |
🚀 Apply at CGEWHO
https://cgewho.in
About CGEWHO Central Govt Housing
Central Government Employees Welfare Housing Organisation (CGEWHO) — established 1990 — is a non-profit registered society providing concessional-priced housing to central government employees and their dependents. CGEWHO has constructed 25,000+ flats across 70+ projects in Delhi-NCR, Mumbai, Pune, Bengaluru, Chennai, Hyderabad, Kolkata, Chandigarh, Jaipur, Lucknow, Bhubaneswar, Guwahati, Cochin. CGEWHO flats are 15-25% below market rates with central government employee priority.
✅ Eligibility for CGEWHO Central Govt Housing
- ✓Central government employees (serving, including all ministries, PSUs, statutory bodies)
- ✓Retired central government employees
- ✓Widows of central government employees
- ✓All groups eligible — flat size based on Grade Pay/Pay Level
📄 Documents Required for CGEWHO Central Govt Housing
- 📄Service ID Card / Pay slip
- 📄Aadhaar
- 📄PAN
- 📄Service certificate from HoD
- 📄Bank passbook
- 📄Photo
📝 How to Apply for CGEWHO Central Govt Housing (Step-by-Step)
- 1Visit cgewho.in — browse 'Projects' for active CGEWHO projects in your preferred city
- 2Register interest online for the specific project — submit expression of interest form
- 3Submit employment documents — Service ID Card, latest pay slip, service certificate from Head of Department
- 4Submit Aadhaar, PAN, bank passbook, photograph, and ₹10,000 refundable deposit
- 5CGEWHO verifies central government employment status and grade pay for flat size eligibility
- 6Allotment confirmation issued — flat size based on Grade Pay/Pay Level
- 7Pay balance cost in construction-linked instalments as the project progresses
- 8Take possession after construction completion
- 9Register flat in your name with local sub-registrar; apply for lease-to-freehold conversion after the stipulated period
❓ Frequently Asked Questions — CGEWHO Central Govt Housing
▶What is CGEWHO?
Central Government Employees Welfare Housing Organisation (CGEWHO) — established 1990 — is a non-profit Society providing concessionally-priced housing to central government employees. Has constructed 25,000+ flats across 70+ projects in major Indian cities. Operates under Ministry of Housing & Urban Affairs.
▶Who can apply for CGEWHO flats?
All Central Government Employees: serving and retired. Includes all ministries (Defence, Home, Finance etc.), PSUs (ONGC, NTPC, etc.), Statutory Bodies (UIDAI, NHAI, etc.), and Autonomous Bodies. State government employees are NOT eligible. Flat size based on Grade Pay / Pay Level — Group A (3BHK/4BHK), Group B (2BHK/3BHK), Group C (1BHK/2BHK).
▶How is CGEWHO different from AWHO?
AWHO is for Army personnel only. CGEWHO is for all Central Government employees (Defence/civil/PSU/statutory). Both are non-profit. Similar concessional pricing. CGEWHO has wider eligibility but slightly less rank-based priority than AWHO.
▶Where are CGEWHO projects located?
Major project cities: Delhi-NCR (Vasant Kunj, Dwarka, Greater Noida), Mumbai-Pune, Bengaluru, Chennai, Hyderabad, Kolkata, Chandigarh-Mohali, Jaipur, Lucknow, Bhubaneswar, Guwahati, Cochin, Trivandrum, Vishakhapatnam. Each major central government office city typically has at least one CGEWHO project.
▶How affordable are CGEWHO flats compared to market?
15-25% below private market for similar location/size. Example: CGEWHO Mohali 3BHK ₹80 lakh-1.0 crore vs market ₹1.0-1.3 crore. CGEWHO Bengaluru 2BHK ₹50-70 lakh vs market ₹60-85 lakh. Savings come from non-profit model, bulk land cost, no broker, direct allocation to employees.