central government

Welfare schemes/concessions from service HQS to service personnel/ESM,widows and dependents.

1.Benefits to Ex-servicemen (Superannuated/ Boarded Out)

S. No.DescriptionAmount entitledProcessed By
AService PensionAs per RulesCDA(P) Allahabad
BCommutation of Pension50% of Basic PensionCDA(P) Allahabad
CRetirement GratuityLength of ServiceCDA(P) Allahabad
DFinal settlement of AccountsAs per contributionPAO/CDA(O)
EAFPP/DSOP FundAs per contributionPAO/CDA (0)
FLeave EncashmentAs applicablePAO/CDA (0)
GArmy Group Insurance SchemeAs per contributionAGI Dte
HExtended Insurance upto age of 75 years AGI Dte
JMedical care under Ex- servicemen contributory Health Scheme (ECHS)for life to soldier,Spouse, dependentparents and .unemployed childrenupto the age of 25 years. Stn HQ

2.Benefits: Disabled Soldiers Invalided/Boarded out of service. In addition to benefits mentioned at Para 1 above, following benefits are applicable for disabled soldiers invalided/boarded out of service

S. No.DescriptionAmount entitledProcessed By
AaMore than 75% disabilityRs. 6.00 lacs  AG’s Branch(R&W Sec) 
AbMore than 50% upto 75% disabilityRs. 4.50 lacs
AcLess or upto 50% disabilityRs. 3.00 lacs
(Auth: Army HQ Letter No. B/46981/NDF/AG/CW-7 dated 03 Sep. 99)
(ii)Disabled soldiers (BC) of all operations w.e.f. 01 May, 99 excluding OP VIJAY (K)” invalided/ boarded/ out/ prematurely released from service in law med categoryOne time grant ofRs. 1.00 LacAG’sBranch(R&W Sec)
 (Auth: Army HQ Letter No. B/46987/NDF/AG/ACWF(K) dated 27 Oct., 99
BService Pension with Disability elementDepending on percentage of disabilityCDA(P) Allahabad
CArmy Group Insurance (AGI)Depends upon disability percentage but not less than 20%AGI Dte
DAGI MaturityAs per contributionAGI Dte
IComplete fee exemption from tuition fee (full amount) and other fees (Capitation fee and Caution Money not included) levied by the Educational Institutions concerned including charges levied for the school bus maintained by the school or actual fares paid for Railway Pass for students or bus fare certified by the head of institute.
iiGrants to meet Hostel charges in full or those studying in Boarding Schools and Colleges.
iiiCost of Books and Stationery: Rs. 1000/- per annum per student or the amount claimed by the student, whichever is less.
ivCost of Uniform where this is compulsory; Rs. 1700/· at the maximum during 1st year and Rs. 700/- for the subsequent years per annum per student or the amount claimed by the student, whichever is less.
vClothing: Rs. 500/- for the 1st year and Rs. 300/- for the subsequent years per annum per student or the amount claimed by the student, whichever is less.
Auth: Government of India, Min of Defence Letter No. 1(3) 2008/D (Pay/Services dt. 13-8-2008).

3.Benefits NOKs: Battle Casualties (Fatal). In addition to benefit as enumerated above following benefits are applicable to NOKs of Battle casualties (fatal).

S. No.DescriptionAmount entitledProcessed By
I15th August, 1947 to 19 August, 1993NilNil    CDA(P)Allahabad
 20th August, 93 to 30 April, 95Rs. 1 LacRs. 1 Lac
 01sf May, 95 to 31sf July, 97Rs. 2 LacsRs. 2 Lacs
 01st August, 97 onwardsRs. 7.5 LacsRs. 7.5 Lacs
 All other operations other than OP VIJAY (Kargil)Death due to Enemy/AN E Action Rs. 5 lacsDeath due to Enemy/AN E Action Rs. 5 lacs
 01st May, 99-31 st October, 99 OP VIJAY (Kargil) onlyRs. 10 LacsRs. 10 Lacs
(Auth: Government of India letter No. 20 (1 )/98/0 (Pay-Services) dated 15th October, 1999)
viNational Defence fund (OP VIJAY Kargil Only)Rs. 5 lac (Dwelling Unit) Rs. 2 lacs (Parent AssistanceRs. 2 Lacs (Children EducationAssistance)AG’s Branch& (R&WC Sec)
 (Auth: Army HQ SOP Letter No. B/46981/NOF/AG/CW-7 dated 03 September, 99)
BDeath GratuityLength of ServiceCDA(P)Allahabad
CLiberalized Family PensionLast pay drawnCDA(P)Allahabad
DArmy Group insuranceRs. 10 lacs for OffrsRs. 5 lacs for PBORW.e.f. 01st September, 03AGI Dte
EAWWARs. 5000/-Central AWWAAssociation(Marriedsoldiers only)
FArmy Offrs BenevolentRs. 50,000/-G’S Br (CW-8)Offrs only
GEducational ConcessionsAs stated in Para 2 (e) above 
HArmy Central Welfare FundRs. 30,000/-AG’sBranch(R&W Sec)
 (Auth: Army HQ Letter No. B/45401/AG/R&W dated 29th March, 2001
 Other concessions:-i. Government married accommodation for two years at Government rates which is extendable to 3 years in exceptional cases (Auth-Government of India, Ministry of defence letter No. 13 (40)/97/D (Q&C) dated 16th August, 99) Reservation of seats in professional institutionsHousing 3% reservation By AWHO

4.Benefits NOK: Physical Casualties:

(a)Terminal Benefits when Death is attributable to Military Service. In addition to the benefits as applicable to the Ex-servicemen on normal discharge from service shown at Para 3 above, the following benefits for Physical casualties ‘when death is attributable to Military Service are provided as under:-

(i) Ex gratia of Rs. 5 Lac by Central Government only in event of death in Field areas.

(Auth: Govt. of India, Ministry of Defence Letter No. 20 (I) 98/D (Pay Services) dt. 22 September, 1988)

(ii) Death cum retirement gratuity based on length of Service.

(iii) Special family Pension (60% of last Pay drawn by the deceased).

(iv) Ex Gratia grant of Rs. 30,000/- to NOK of deceased soldiers From  ACWF.

(Auth-Army HQ Letter No. B/45401/AG/R&W dated 29th March, 2001)

(v)Government married accommodation for 2 years which is extendable to 3 years in exceptional cases.

(b) Terminal Benefits when Death is not Attributable to military Service:
Benefits provided to Physical casualties when death is not attributable to
Military Service are as under:-

i)Benefits as mentioned at Para 3 (a) to (D), (F), (G) and Para 6 (a)
(ii), (iv) to (ix).
      ii) Ordinary Family pension as per rules.

Eligibili1y of Solders/NOK of soldiers Boarded Out due to injury sustained between 15 August, 1947 to 30 April, 1999 for Grant Out of Army Central Welfare Fund (ACWF).

5.Soldiers who were boarded out of service due to injury sustained during various military operations between 15, August, 1947 to 30 April, 1999 are eligible for one time grant of Rs. 1 lac each from Army Central welfare Fund. In case the soldier is not alive, the grant will be paid to the nominated NOK of the deceased disabled soldier. The grant will not be payable to other legal heirs/family members.

    Payment of· One Time grant out of ACWF to Disabled Soldiers Invalided/Boarded out of Service in Low medical Category without completing their Terms of Engagement due to injuries sustained in Military Operations w.e.f. 01st May, 1999.

6. The disabled soldiers (Battle casualties who were either boarded/invalided out of service in low medical category without completing their terms of engagement due to
 injuries sustained in various military operations w.e.f. 01 st May, 1999 (other than OP VIJAY Kargil) will be eligible for a one time grant of Rs. 1 lakh out of ACWF. Those soldiers boarded/invalided out who have already received a grant of ACWF based on their disability percentage will receive a grant equal to the difference between Rs. One lakh and the grant already paid to them.

7.The disabled soldiers (Battle causalities) who sustained injuries in various Military operations after 01st May 1999 and are retained in service will continue to get a grant out of ACWF based on their disability percentage, as per the existing policy.

Ex Gratia Compensation to the soldiers invalided Out of service due to battle Injury in OP Vijay (Kargil).

8.Ex gratia amount for the soldiers who are invalided/boarded out of service due to battle injury without completing terms and conditions of service and not on own request, will be paid following ex gratia amount based on percentage of disability.

Percentage of DisabilityAmount of Ex Gratia
50% or LessRs. 3 lakhs
75% or less but more than 50%Rs. 4.5 lakhs
More than 75%Rs. 61akhs

Payment of one time Grant Out of ACWF to NOK of All Personnel who Die in Harness after 01st April, 2001.

9. NOK of all personnel who die in harness after 01st April, 2001 will be paid a one time grant of Rs. 30.000/- from ACWF.


10.Under mentioned Corpuses have been opened by Industrial Houses to provide financial assistance to war widows, disabled barded out soldiers and their dependents. Various Corpuses which provide financial assistance such as Education Scholarships, mobility equipment, self Employment, daughter’s marriage and medical treatment are:-

a) Express Publication (Madurai) Limited
b) Hindustan Unilever Limited
c) Confederation of Indian Industries
d) National dairy Development Board ,
e) New Delhi Television Limited
f) Gem and Jewellery National relief Foundation
g) Rotary Club of Delhi South Suburban
h) Indian Development and relief Foundation
i) Mahindra & Mahindra Limited
i) Pepsico
k) The Times of India
I) Radico Army welfare Corpus
m) Shri SK Bali Memorial Corpus
n) FICCI Shradhanjali Jawan Trust
0) Tata Group
p) Bangal Masonic Inter Services Charitable Trust
q) JTPL Welfare Trust
r) SUDBHAVNA Trust (Lt. Gen Sushil Kumar)
s) Late Air Cmde MK Akut, BE, AVSM & Mrs. Asha M. Akut
    Education Scholarship

11.Various Schemes Corpuses. Details of Various Schemes for which financial assistance is available are as under:-

Sr. No.SchemeApplicable toDocuments (attested copies only)
1Education ScholarshipChildren of soldiers who died in harness from Class-I onwardsMark sheet of last class passed Certificate from Principal where currently studying. Receipt of tuition fees deposited in original
2Mobility EquipmentSoldiers disabled inServiceQuotations and Medical docs.
3Self Employment Agro based VenturesWar Widows & Boarded Out War Disabled SoldiersLoan Documents, Project Report Undertaking Certificate for utilization of Fund within one year
4Daughter’s marriageWidows, Boarded Out Disabled Soldiers andEx-servicemenDate/Place of Marriage, Certificate by Gram Panchayat, Wedding Card & Family Particulars

12.Details of Corpus Fund Utilization (Ex-servicemen)

MoD Auto Scooter40,000/-40,000/- 
Wheel Chair40,000/-40,000/- 
Auto Tri-Cycle40,000/-40,000/- 
Self Training20,000/-—-Only BC
Self Employment25,000/-—-Only BC
Agro Based Ventures25,000/- Only BC


S. No.DetailsPC (Rs. /Annum)Servicemen (Rs./ Annum)Remarks
1Class 12 to XII4000/-1200/-SAO 2/5/2003
3Post Graduation15,000/-5000/- 
4Professional CoursesTuition Fee+5000/- (Max 25,000/-)10,000/-Times of India Army Welfare Corpus & TATA Defence Welfare Corpus

14.     ESM/Pensioners are presentely not authorized treatment in MH as a right, they are only entitled i.e. subject to availability of bed space, doctors and medicines. By joining the ECHS scheme, they become authorized category. The only difference is that his/her . initial out patient
handing/treatment will be by the ECHS Polyclinic rather than the staff surgeon at MH. In case the ESM requires further reference treatment it can be provided to him in the nearest MH or can be referred to an empanelled civil hospital of the patient’s choice. ECHS treatment philosophy is Out patient treatment by Polyclinics and In patient treatment by MH (subject to availability) and from empanelled hosp ital in the Station .

Award of Educational Scholarship to children of Armed Forces Personnel of Nepal serving in the Armed Forces of India and killed/declared missing/permanently disabled in action-studying in various Educational. Institutes  in Nepal.

15. Educational concession which were previously admissible to the children of Armed Forces Personnel Killed/Missing/Permanently Disabled in 1962, 1965, 1971 Wars, OP PAWAN, OP MEGHDOOT operations including Counter Insurgency Operations in both India and abroad, studying in Government/Government aided Schools/Educational Institutes, Colleges recognized by the Central/State Governments and the same will also now be applicable to the children of the above category of the Personnel of Nepal serving in the Armed Forces of India children studying in various Educational Institutes in Nepal, which are recognized by the Government of Nepal will be deemed as recognized by the Government of India.

(Authority: Government of India Letter No. 9(1)/703/Edn Concession/D (Res) dated 06th August, 2003 and Government of India letter No. B/44601/Nepa/Edn Concession/D (Res) Dated 26th February, 2004).

Exemption from paying Toll Tax

16.Members of regular Defence Forces, whether on or off duty are exempted from paying Toll Tax. A complaint in this regard was filed before Punjab Human Rights Commission at Chandigarh that under Indian Tolls (Army and Air Force) Act, ,1901 serving defence Personnel cannot be charged toll tax whether he is on duty or not. The complaint was referred to Ministry of Law & justice, which indicated that Indian Toll (Army and Air force) Act is a special Act which overrides generals acts such as National Highways Acts, 1956 and 011 Government as well as private vehicles of the officers, soldiers and Airman of regular Defence forces are exempted from paying toll tax irrespective of whether they are on duty or not.

(Authority: Ministry of Road Transport & Highway Letter No.12037/278/2003/PB/
 NH-1 dated 12 November, 2003).

17. Addresses and telephone numbers of various welfare Agencies. Contact information of various welfare agencies is given below:

DEPUTY DIRECTORGENERAL (WELFARE)279 AI South Block, Army HQDHQ PONew Delhi-11 001Tel.: 2301-8112 Fax: 2376-2382
REHABILlTATION &WELFARE SECTION  153Kashmir Housel Raiaii Marg,Army HQ DHQ PONew Delhi-11 0011.Director: 23794985 Tel.: 2301-8338Fax: 2379-4377Email;randwsection(at)sify(dot)comDirector MP 587 Second floor, Wing Vii, West Block 3RK Purorn, New Delhi- 110066Tel.: 2337-54752619-5662Fax: 2610-6329
Army GroupInsuranceAGI Bhowcn, Rao Tula Ram MarglNew Delhi-11 0057Col Coord: 2614-2369Director Claims2614-5709Exchange-2614-2479, 2615- 1031
Army Group InsuranceAsst. Director claims: 2614-2897,Fox: 2614-8471
CDA (P) AllahabadTel.: 0532-2622618, 2622698, 2622699Fax: 0532-2621549
Quarter Master General BranchRetention of Government Accomodation 438, B \filing, Sena Bhavan, Army HQ, DHQ PO New Delhi- 11011Tel.: 2337-5237, 2337-5238
Army Officer’s Benevolent Fund279 A, South Block, Army HQ, DHQ PO New Delhi- 110011 Tel.: 2301-8183 Fax: 2376-2382
Army Wives Welfare Association210, South block, Army HQ, DHQ PO New Delhi- 110011 Tel 2301-8183Fax: 2301-8183
Army Welfare Education Society153, Kashmir House, Rajaji Marg New Delhi- 110011 Director 2301-8702Tele Fax: 2301-8363, 2337-2938Email:cw9(at)rediffmail(dot)com
Army Placement AgencyWest Block, RK Puram, New Delhi Telephone: 26186075, 26100241