Schemes In India
Defence/Railway Housing💰 HIGH DEMAND

CGEWHO Central Govt Employees Welfare Housing 2026 — Concessional Flats for Central Govt Staff | cgewho.in

📍 Pan India, All IndiaLast updated:
💰 Benefit
15-25% below market prices flats for central government employees — clear CGEWHO title with PSU loan tie-ups

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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
🚀 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.

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✅ 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

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🏦 Home Loan Partners for CGEWHO Central Govt Housing

Get pre-approved home loan before applying — banks offer competitive rates for Defence/Railway Housing flats due to clear title.

Disclosure: The bank links below are direct official URLs to each bank's home loan page. We do not currently earn any commission. We list these solely to help users compare options. Always read loan terms carefully before applying.

SBIHDFCLIC HousingPNB
💡 Tip: Compare interest rates and processing fees from 2-3 banks. Home loan eligibility = 50-60% of net monthly income for EMI.

❓ 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.

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