FAMILY ASSISTANCE · INDIAN ARMY
ARMY WELFARE SCHEMES
AWWA support & AGIF Extended Insurance
OFFICIAL SOURCE REVIEW · 29/10/2026
CHOOSE THE SUPPORT YOU NEED
AWWA grants and AGIF insurance have different eligibility and application routes. Open the relevant section below. Updated official figures are distinguished from the two 2024 reference articles; your applicable policy, EI Certificate and sanctioning office govern entitlement.
01 · AWWA — FAMILY & DISTRESS GRANTS
Army Women’s Welfare Association supports Army families, including widows and dependants, through family welfare, education, empowerment and distress assistance. The reference article also describes rights awareness and coordination with governments for family welfare, including rural communities.
| Scheme | Eligibility / route | Updated official reference |
|---|---|---|
| Ex-gratia relief | Next of kin of Army personnel dying in service; immediate unit / formation payment, subsequently reimbursed by AWWA | ₹50,000 once; effective 15/06/2026 |
| Marriage assistance | Eligible widows / dependants / orphaned children in financial distress; up to two daughters | ₹50,000 per daughter |
| Sewing-machine assistance | Eligible non-fatal battle-casualty individual / wards; processed through Record Office | 50% of cost, capped at ₹6,000 |
| Penury assistance | Economic distress, without relief for the same need from another agency; President AWWA / recommending body | Discretionary one-time grant |
| Disaster relief | ESM / widows suffering major losses in a natural calamity; coordinating-body recommendation | Discretionary one-time grant |
02 · AWWA — EDUCATION & TECHNICAL GRANTS
For up to two eligible children per academic year: children of women widowed after the husband’s retirement, including children with special needs; and qualifying medically invalided soldiers’ children where no pension is drawn. Other deserving cases may be considered at President AWWA’s discretion.
| Study level | Amount per child / academic year |
|---|---|
| Classes I–VIII | ₹20,000 |
| Classes IX–XII | ₹28,000 |
| Graduation | ₹40,000 |
| Postgraduation | ₹50,000 |
| Professional / technical studies | Up to ₹1,00,000 |
The technical category covers eligible higher / professional education. The 2024 article named engineering, MBBS / MD, BBA / MBA and other high-fee courses; confirm the particular course under the current form rather than applying the old fee threshold or sibling rates.
03 · DISABILITY, ASHA & GIRLS’ HOSTELS
Disability grant described in the 2024 article
The article lists ₹5,000 for medically boarded-out personnel of all ranks whose disability is attributable to service in field, high-altitude or counter-insurgency / counter-terrorism areas. This separate figure is not confirmed on the current official grant page; obtain current eligibility and sanction details from AWWA before relying on it.
ASHA schools
Special education, rehabilitation and training support for eligible children with disabilities, including intellectual disability, cerebral palsy, muscular dystrophy, speech / language difficulties, hearing impairment, learning disability, autism and multiple disabilities.
ASHA Pre-Vocational Training Centre, Delhi Cantt
Skills and vocational preparation for children / young people with special needs. Confirm intake criteria, assessment and availability directly with the centre.
AWWA girls’ hostels
Residential support for daughters of serving and retired Army personnel of all ranks pursuing higher education. Check admission rules and vacancies with the specific hostel.
Historical scope: the July 2024 article reported 37 ASHA schools, 12 disability categories and five girls’ hostels. These counts are not presented as a verified 2026 directory.
04 · AWWA — FORMS, DOCUMENTS & SUBMISSION
Use the AWWA educational / financial assistance form — July 2026. It covers the soldier, applicant / NoK, family finances, pension / employment income, past assistance, bank details and school information. Use block letters and complete all applicable fields.
- Common records: widow / dependant ID, attested discharge book with family details, PPO and bank passbook first page / cancelled cheque.
- Education: separate application for each child; death certificate, attested child photograph, school / college ID, previous marks, current tuition receipt and principal-certified bonafide certificate.
- Marriage: marriage card plus common records.
- Disaster: affected-house ownership proof, competent-authority damage / cause certificate and assessed repair estimate, alongside identity and service records.
- Penury: financial-distress details and common records; disclose other assistance.
Get countersignature from Station Headquarters / an Army unit and route through ZSB / RSB. The form states 31 December as the education-application receipt deadline; confirm the relevant academic year’s closing date with AWWA. Veer Naris and eligible post-retirement widows / dependants may seek assistance where they do not qualify for a similar grant elsewhere, subject to assessment.
05 · AGIF — EXTENDED INSURANCE RULES
AGIF is the Army Group Insurance Fund. Its EI scheme started on 01/01/1981 for eligible post-retirement Army cover. Navy and Air Force have separate insurance arrangements.
Regular Army retirees on or after 01/04/2025
| Category | Death cover | One-time refundable subscription | Cover ends at the earlier of |
|---|---|---|---|
| Officers | ₹30 lakh | ₹2,75,000 | 26 years after retirement / age 80 |
| JCOs / OR | ₹15 lakh | ₹1,20,000 | 30 years after retirement / age 75 |
- Earlier retirees retain their applicable cohort’s cover; later enhancements are not automatically retrospective.
- Cover is for death within the policy term. Refund / survival provisions depend on the applicable cohort and Certificate; not every contribution is non-refundable.
- Keep the EI Certificate: it records personal details, certificate number / issue date, nominee and contingent nominee details and the cover period.
- The 2024 article describes suspension during re-employment where another service insurance cover applies. Confirm the specific re-employment category with AGIF; do not assume every civilian job suspends EI.
06 · EI — EARLIER RETIREMENT COHORTS
This transcribes the retirement-wise chart in the June 2024 reference article. Each limit means years since retirement OR the age shown, whichever occurs first. The “refundable” column is the chart’s classification, not a blanket refund promise. Check the individual EI Certificate and AGIF policy.
| Retirement dates | Officer cover | JCOs / OR cover | Term / age limit | Refundable (chart) |
|---|---|---|---|---|
| 01/01/1981–31/03/1989 | ₹65,000 | ₹30,000 | 10 years / age 65 | No |
| 01/04/1989–31/03/1994 | ₹1 lakh | ₹50,000 | 10 years / age 65 | No |
| 01/04/1994–30/06/1999 | ₹2 lakh | ₹1 lakh | 20 years / age 70 | No |
| 01/07/1999–30/12/2004 | ₹3 lakh | ₹1.5 lakh | 20 years / age 72 | No |
| 31/12/2004–29/06/2009 | ₹4 lakh | ₹2 lakh | 26 years / age 75 | No |
| 30/06/2009–30/07/2010 | ₹6 lakh | ₹3 lakh | 26 years / age 75 | No |
| 31/07/2010–30/12/2013 | ₹6 lakh | ₹3 lakh | 26 years / age 75 | Yes |
| 31/12/2013–31/12/2014 | ₹10 lakh | ₹5 lakh | 26 years / age 75 | Yes |
| 01/01/2015–31/03/2017 | ₹10 lakh | ₹5 lakh | 30 years / age 80 | Yes |
| 01/04/2017–31/12/2021 | ₹10 lakh | ₹5 lakh | 30 years / age 80 | No |
| 01/01/2022–31/05/2022 | ₹10 lakh | ₹5 lakh | Officers: 26 years / age 80 JCOs / OR: 30 years / age 75 | No |
| 01/06/2022–31/03/2025* | ₹15 lakh | ₹7.5 lakh | Officers: 26 years / age 80 JCOs / OR: 30 years / age 75 | Yes |
*The old chart said “01/06/2022 onwards”. Its last range is bounded here by the separately verified 01/04/2025 revision in section 05. Historical cover may already have expired.
07 · EI — DEATH CLAIM & DOCUMENTS
- Notify AGIF of the pensioner’s death and quote Army number, rank, identity and EI Certificate number.
- Check the recorded nominee / contingent nominee and whether death falls within cover.
- Submit the current EI claim application / certificate claim portion with the required records.
- If the Certificate is missing, ask AGIF for its duplicate-certificate / affidavit procedure; do not assume the claim is lost.
- Retain copies and acknowledgement; follow up directly with the claims section.
Reference checklist: death certificate from the registering authority (the article also mentions Military Hospital-issued certificates), Aadhaar, EI Certificate if available, beneficiary-named cancelled cheque or bank-passbook copy, and contact details. For non-nominee / contingent-nominee claims, the prescribed claim affidavit and indemnity bond with surety may be required. AGIF must confirm which documents apply to the claimant.
08 · AWWA, DIAV & AGIF CONTACTS
| Office | Address / role | Contact |
|---|---|---|
| AWWA | Welfare Complex, Room 06, Kashmir House, Rajaji Marg, IHQ of MoD (Army), DHQ PO, New Delhi 110011 | 011-23018183 / 011-23018968 / 011-21410674 Official contact page |
| DIAV | Directorate of Indian Army Veterans, 104 Cavalry Road, Maude Lines, Delhi Cantt 110010 | 1800-11-6644 DIAV website |
| AGIF | AGI Bhawan, Rao Tula Ram Marg, Post Bag 14, PO Vasant Vihar, New Delhi 110057 | Exchange: 011-26142749 / 011-26145058 AGIF official website |
Additional contacts printed in the 2024 EI article
Verify these historical contacts through AGIF’s official channel before sending documents.
| Section | 2024 reference contact |
|---|---|
| Claims email | claimsagif@gmail.com |
| Officers’ claims | 8882484303 |
| EI section (JCOs / OR) | 7290007353 |
| Insurance claims | 7290007425 |
| Social Security Deposit | 7290006489 |
| Director (Coord) | 011-26142369, ext. 206; military 34439 |
| Director (Claim) | 011-26145709, ext. 404; military 39813 |
| Loan help desk | 011-26148654 / 26148055 / 26143393 / 26143693 9089384773 / 7357276788 / 7290090480 |
The loan email in the article appears misspelled; obtain the current address from AGIF rather than relying on that entry.
09 · FRAUD PREVENTION
Do not transfer money to release an alleged AGIF refund, claim or bonus on the strength of an unsolicited call / message. Verify the caller independently through official AGIF contacts. Do not share OTPs or banking credentials. The 2024 article specifically warns that AGIF will not ask you to deposit cash to retrieve your money.
10 · WHAT CHANGED SINCE THE 2024 ARTICLES
The articles remain useful for their scheme categories, but several amounts / eligibility statements have changed. These historical figures are retained for comparison only.
| Item in 2024 AWWA article | Earlier reference | Use on this page |
|---|---|---|
| Ex-gratia | ₹15,000 | Official ₹50,000 from 15/06/2026 |
| Marriage | ₹30,000 | Official ₹50,000, up to two daughters |
| Education | I–V ₹6,000; VI–VIII ₹8,000; IX–XII ₹10,000; graduation / PG ₹12,000 | Updated official bands in section 02 |
| Technical education | ₹30,000 per child; ₹30,000 first / ₹20,000 second if both study technical courses; old ₹30,000 annual-fee threshold | Current official professional / technical category in section 02 |
| Sewing-machine eligibility | Widows after retirement; wives of personnel invalided out with 100% disability | Current official grant page specifies non-fatal battle-casualty individual / wards; confirm which scheme applies |
The EI article’s universal “non-refundable” and broad age-limit statements should not override cohort-specific terms. The revised regular-Army EI terms are in section 05; the earlier chart is preserved in section 06.
ARMY WELFARE POSTER



