Comprehensive Guide To Housing Schemes For Central Government Employees

Comprehensive Guide To Housing Schemes For Central Government Employees

Comprehensive Guide To Housing Schemes For Central Government Employees

Central government employees can apply for the various housing schemes promoted by the Central Government Employees Welfare Housing Organisation (CGEWHO). The CGEWHO, registered under the Societies Registration Act, 1860, operates on a no-profit-no-loss basis out of its headquarters at Janpath Bhavan, New Delhi.

 Who’s eligible to apply?

Serving and retired Central government employees and their spouses are eligible to apply for homes under the various schemes launched by the CGEWHO. Dependents of deceased retired employees are eligible, if the late employee has been in service for at least one year. The second level of priority applies to serving employees of Central PSUs, state governments, union territory administration, autonomous bodies, corporations, nationalised banks, etc. Serving uniformed employees of the Ministry of Defence and serving employees of the Ministry of Railways are also in this category. The third level of priority includes the general public, which includes the spouses of deceased employees of those who form the second priority level.


  • If both husband and wife are Central government employees and eligible for a unit, only one of them can apply.
  • If you already own a property in your name in the city where the CGEWHO is planning the housing scheme, you are not eligible to apply.
  • Delhi, Noida, Greater Noida, Gurgaon and Faridabad are considered as one location.
  • Employees are entitled to only one unit in the country.
  • Those dismissed from the service are not eligible.

Types of units available in all housing schemes by CGEWHO

Type of DU / Flat

Non-refundable application fee

Refundable earnest money deposit (EMD)

Total amount 

















All figures are in rupee.

Here’s a look at the top housing schemes that are currently open for subscription and updates regarding status:

Chennai (Ph-III) Housing Scheme: The Chennai (Ph-III) Housing Scheme is currently under progress and will serve on a first-come-first-serve basis. Allotments have already been made but the scheme will remain open till there are units that aren't occupied. The CGEWHO keeps 25 per cent (of flats to be built) applicants in the waiting list so that withdrawals/cancellations by either party is adjusted at a later stage.

 How to apply?

Hard copies of the¬†CGEWHO Rules Brochure can be obtained at a cost of Rs 100 in cash or through Bank Draft in favour of¬† ‚ÄėCGEWHO A/C No. 0267101018816, CANARA BANK, NEW DELHI' payable at New Delhi from following points:¬†

  1. CGEWHO's Head Office at 6th Floor, 'A Wing, JANPATH BHAWAN, Janpath, New Delhi-110001
  1. CGEWHO Project office

           Flat No.58; Block-C5; Kendriya Vihar-II, Parithipattu,

          Avadi- Poonamallee Road, Chennai-600071

 Applications can be deposited in person also in the office on all working days.

Online applications

You can download the application form from www(dot)cgewho(dot)in. You will have to add Rs 100 towards the cost of brochure along with EMD and application fees while applying.

 Rules to apply

 The application form should be filled and signed by the applicant and nominee and certified and forwarded by the applicant’s department by an officer who is not below the rank of Under Secretary of Government of India (GoI) or equivalent. This is required for Central Government Employees under Priority-I.

 Priority-II applicants need to obtain a separate certificate mentioning that you are forwarding the application for allotment of flat.

 Priority-III applicants would need to enclose self-attested copy if their PAN card along with the latest ITR with the application.

Documents to be enclosed with the application

a) Affidavit duly signed and notarized at page No 37.

b) Attested copy of latest pay slip/salary slip/certificate for working employee of all priorities or copy PPO for retired employees or spouses of deceased employees.

c) Demand draft of requisite EMD + application fees and an additional cost of CGEWHO Rules Brochure (in case applicant is using the downloaded form).

d) CGEWHO Rules should be signed in each page as indicated and be submitted to CGEWHO for allotment along with application { Page(i) to (xviii)}.

ALLOTMENT PROCESS : (Applicable even the scheme is open on first-come-first- save basis)

 Allotments are confirmed online.


Greater Noida Housing Scheme: The CGEWHO had invited applications from general public on a first come-first serve basis on December 18, 2015. For those who have already been allotted units, the last date to pay their fourth installment is February 11, 2019.

You may get lucky

In November, the CGEWHO also released a list of defaulters.  On January 9 this year, a list of those beneficiaries was published whose call-up notices had been returned to the CGEWHO. As a result, if these defaulters fail to abide by the rules, the vacancies may be filled by new applicants.

How to apply

Those who are interested can obtain the brochure on payment of Rs 100 in cash or through bank draft in favour of CEO, CGEWHO payable at New Delhi from these locations:

 1)   CGEWHO Head Office, New Delhi

2)   Download from CGEWHO’s website. An additional Rs 100 has to be added towards cost of the application form.

Send all applications to CGEWHO’s Head Office.

For more updates, visit www(dot)cgewho(dot)in/gtn(dot)html


Meerut Phase-I Housing Scheme: Now, flats built under this scheme are ready to move in. All beneficiaries, who haven’t executed the title deed of their flats should do so at the earliest to escape penalty.

Documents required

  • Two coloured passport-size photos of each signatory to the sale deed with original PAN Card or election ID card, Aadhaar card and photocopies.
  • Two photographs of the flat, photo to be taken at the site.
  • First allotment letter, final call-up letter, possession cum occupation letter and handing/taking over the certificate.
  • No dues certificate from Kendriya Vihar-1, Apartment Owner Welfare Association, Meerut.


Mohali (Phase-II) Housing Scheme: Those who have purchased homes in Mohali Phase-II Housing Scheme have been mandated to take physical possession of their units. Those who haven't been able to do so will be charged a Defect Liability Period (DLP) of one year starting from the last date of final instalment payment, that is May 31, 2017. Beyond that, buyers would be handed over the unit on an as is-where is basis, devoid of maintenance. The last date for physical possession was fixed at September 10, 2018.

 Those who are taking possession post-May 31, 2018, will be required to clear their dues by paying Rs 500 per month starting June 2018 towards maintenance charges, Rs 500 for Type-A flats, Rs 1,500 for Type B units, Rs 2,000 per month for Type-C units and Rs 3,000 per month for Type-D units. These types are decided on the basis of the unit’s dwelling size. For example, Type-A is a 1BHK unit and so on.

Charges have to be paid to the Project Manager-Mohali (Phase II) at Site Office, Mohali. 

Last Updated: Thu Jan 17 2019

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