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FlatEligible employees onlyWelfare Housing

CGEWHO, simplified

Central Government Employees Welfare Housing Organisation

CGEWHO builds housing projects on a no-profit, no-loss basis for central government employees in cities across India. Each project is announced with a brochure. If demand exceeds supply, flats are allotted by draw of lots.

Allotment
Lottery · First-come-first-served
Who can apply
Eligible employees only
Areas
Multiple cities across India

🏠 CGEWHO schemes

🔔 Latest CGEWHO notices

See all 40 notices →

✔ Who can apply

  • ●Serving central government employees and central government pensioners, as defined in each scheme brochure.
  • ●Some schemes also allow specific categories such as widows / spouses of eligible employees. Check the brochure.
  • ●Residency: Only for eligible central government employees and pensioners (and categories allowed by the scheme).

📄 Documents to keep ready

  • ☐PAN card of applicant (and spouse, if married)
  • ☐Aadhaar for e-KYC on the portal (do not share copies with agents)
  • ☐Income proof for the financial year asked in the brochure (ITR / Form 16 / income certificate)
  • ☐Recent passport-size photograph and signature scan
  • ☐Active mobile number and email ID
  • ☐Bank account details for the EMD / registration-money refund
  • ☐Employment / pension proof (ID card, PPO or service certificate)

🪜 How to apply, step by step

  1. 1Watch the official website for the lottery advertisement and download the brochure / booklet.
  2. 2Register on the official portal, complete e-KYC and upload documents before the deadline.
  3. 3Choose the scheme(s) in your income category and pay the earnest money deposit (EMD) plus the application fee online.
  4. 4Check the provisional list of accepted applications and file an objection in time if you are wrongly rejected.
  5. 5Watch the computerised draw. Results and waiting lists are published on the official site.
  6. 6Winners receive an allotment / offer letter and pay per the schedule. Everyone else gets their EMD refunded.
  7. 7Payments are usually collected in instalments linked to construction progress.

💡 Tips

  • Projects are priced at cost. Compare the per-sq-ft cost with local private projects.
  • Construction-linked payments mean you should plan for price escalation clauses mentioned in the brochure.

₹ Plan your budget

Know your budget before the scheme opens: the EMD, the down payment, stamp duty and your EMI. Our calculators take two minutes.

CGEWHO: frequently asked questions

How does CGEWHO allot flat?+

CGEWHO uses lottery, first-come-first-served. The method and dates are announced in each scheme's official notice and brochure.

Can people from other states apply to CGEWHO?+

Eligible employees only. Only for eligible central government employees and pensioners (and categories allowed by the scheme).

Where do I apply for CGEWHO schemes?+

Only on the official website (cgewho.in). YojanaHelper is an independent guide and does not accept applications.

How will I know when CGEWHO announces a new scheme?+

We check the official CGEWHO website about every hour and list new notices on this page. You can also join our free Telegram alerts.

Other authorities in All India

This page is an independent summary written to make CGEWHO's process easier to understand. It is not an official CGEWHO publication. Rules, limits and dates change with every scheme, so the official brochure is always final.

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