FAMILY ASSISTANCE · INDIAN NAVY
NAVY WELFARE SCHEMES
Financial support for Veterans, widows and children
REFERENCE RATES · KSB GUIDEBOOK 2025
SCHEME DIRECTORY
Open the relevant section below for benefits, eligibility and reference amounts. Rates and contacts are drawn from KSB Guidebook 2025, Chapter 9; current scheme rules, deadlines and sanction conditions must be confirmed with the responsible office. Insurance is subject to coverage, not an automatic grant.
01 · NGIS & PRDIES — INSURANCE
NGIS: death during service
| Category | General cover | Additional cover* |
|---|---|---|
| Officers | ₹1.25 crore | ₹15 lakh |
| Sailors | ₹75 lakh | ₹7 lakh |
*Additional cover is for eligible aviation, submarine and Marine Commando personnel. Benefits go to the entitled next of kin / nominees under the applicable policy.
PRDIES: death cover after retirement
| Retired category | One-time non-refundable premium | Death cover |
|---|---|---|
| Officers | ₹3,15,250 | ₹60 lakh |
| Sailors | ₹1,85,500 | ₹30 lakh |
Coverage ends after 30 years from retirement or at age 75, whichever is earlier. Ask NGIF to confirm the deceased member’s coverage before submitting a claim.
02 · INBA — FAMILY GRANTS
| Support | Beneficiary / purpose | Reference amount |
|---|---|---|
| Demise grant | Next of kin following death of naval personnel | ₹40,000, one-time |
| Vocational training | Widow’s course-fee reimbursement | ₹50,000, one-time |
| Daughter’s marriage | Widow applying for her first two daughters | ₹50,000 per daughter |
| Self-employment | Widow in acute financial distress starting an economic venture | Up to ₹1,50,000 |
03 · INBA — EDUCATION & COACHING
Merit scholarship
For the first two eligible children taking UG, PG or vocational / ITI courses lasting at least 52 weeks. The preceding examination must be cleared in the first attempt with the prescribed marks.
| Category | Yearly reference amount |
|---|---|
| Boarder | ₹30,000 |
| Day scholar | ₹22,500 |
| Ward of a pensioner deceased after retirement | ₹45,000 (boarder or day scholar) |
Special Scholarship Scheme (SSS)
For eligible school / college children of naval personnel who die in service; first-attempt passing conditions apply. Original bills are not mandatory up to Class XII under the referenced scheme.
| Study level / expense | Yearly ceiling |
|---|---|
| Play school / KG | ₹15,000 |
| Classes I–VIII | ₹30,000 |
| Classes IX–XII, graduation or postgraduation | ₹45,000 |
| Engineering / medical | ₹1,00,000 |
| Computer / management | ₹75,000 |
| Legal / vocational | ₹60,000 |
| Boarding / lodging | ₹75,000 |
Coaching reimbursement
40% of eligible coaching fees for the first two children of serving / retired naval personnel and widows. The listed categories are institutions admitting on JEE Advanced scores and MBBS admission in Central / State Government colleges.
04 · GIRL CHILD, ORPHAN & DISABILITY SUPPORT
Beti Bachao–Beti Padhao
Enhanced SSS assistance for eligible girls pursuing engineering / MBBS: up to ₹1,25,000 a year or actual expenditure, whichever is lower. Covers daughters of personnel who die in service; orphan daughters regardless of when parents died; and up to two dependent unmarried sisters of unmarried personnel who die in service.
Orphan children
Eligible whether parents died during service or after retirement. The SSS ceilings and conditions listed above apply.
Children with disabilities / special needs
First two eligible children, age 3–25, with a competent-authority disability certificate.
| Certified disability | Annual figure listed in 2025 guidebook |
|---|---|
| Up to 50% | ₹5,000 |
| 51–60% | ₹6,000 |
| 61–70% | ₹7,000 |
| 71–80% | ₹8,000 |
| 81–90% | ₹9,000 |
| 91–100% | ₹10,000 |
Source clarification: the 2025 guidebook labels these figures annual; the Navy’s May 2023 newsletter used monthly figures. Confirm the current rate and payment frequency with INBA before claiming.
05 · FAMILY OF UNMARRIED PERSONNEL
For the bereaved family of an unmarried officer / sailor who dies during service.
| Purpose | Reference assistance |
|---|---|
| Marriage of one sister | ₹50,000 |
| Mother’s self-help venture | Up to ₹1,00,000; case-by-case |
| Mother’s vocational course | ₹50,000 fee reimbursement; case-by-case |
| Education of up to two unmarried sisters | See SSS ceilings and conditions |
06 · NWWA — SCHOOL SUPPORT & DEMISE GRANTS
Navy Welfare and Wellness Association
| Assistance | Eligibility / office | Reference amount |
|---|---|---|
| School scholarship | Children of naval personnel deceased after retirement; pass in first attempt | Classes I–VIII: ₹15,000/year Classes IX–XII: ₹20,000/year |
| Demise grant | Next of kin on death during service; Regional NWWA office | ₹15,000 |
| Demise grant | Next of kin on death during service; NWWA Central office | ₹15,000 |
These are NWWA provisions, separate from the INBA demise grant in section 02. Confirm applicable claims with the respective offices.
07 · INPA — EMPLOYMENT SUPPORT
The Indian Naval Placement Agency helps retiring / retired naval personnel find second-career opportunities in the corporate and private sectors. It operates under DNV, with placement cells at Mumbai, Kochi and Visakhapatnam.
Registration involves a nominal fee for retiring / retired personnel. Placement support is free for naval widows. This is a placement service, not a cash grant or employment guarantee.
08 · CONTACT DIRECTORY
2025 reference contacts; confirm before travelling or sending original documents.
| Organisation | Postal address | Contact |
|---|---|---|
| DNV / INPA | Room 15, Ground Floor, Nausena Bhawan, Naval Headquarters, Ministry of Defence, New Delhi 110010 | DNV: 011-28702701 desa@navy.gov.in INPA: 011-28702703 inpa@navy.gov.in |
| DNPF / INBA / NGIF | The Secretary, NGIF/INBA, Directorate of Non-Public Fund, 7th Floor, Chanakya Bhawan, Naval Headquarters, Ministry of Defence, New Delhi 110021 | NGIF: 011-24678535 INBA: 011-24676044 dnpf@navy.gov.in |
| NAVPEN | Naval Pension Office, c/o INS Tanaji, Sion Trombay Road, Mankhurd, Mumbai 400088 | 022-25075600 / 022-25529401 Toll-free (2025 guidebook): 1800220560 / 1800220559 navpen-navy@nic.in |
| NWWA Central Office | The Hony Secretary, Room 706, D Block, Defence Officers Complex, Africa Avenue, Naval Headquarters, Ministry of Defence, New Delhi 110023 | Telephone / email not specified in the referenced guidebook. |
FINANCIAL ASSISTANCE POSTER
HOW TO GET STARTED
- Identify the relevant assistance. Note whether the application concerns a widow, child or next of kin.
- Contact the correct office. Approach your Zila Sainik Board, Directorate of Naval Veterans or INBA for guidance.
- Obtain the current form and checklist. Confirm eligibility, time limits and the supporting documents before applying.
- Keep an acknowledgement. Retain a copy of the application and record the office handling it.