1
Who can become members of IRWO?
Membership
⌄
Membership of IRWO is always open provided the applicant fulfills the following eligibility criteria:
- Serving railway personnel (minimum 2 years continuous service).
- Retired railway personnel (minimum 20 years of service, not retired on disciplinary grounds).
- Railway personnel who ceased to be in service on medical grounds before 20 years of service.
- Personnel of co-operative societies/banks working for railways only.
- Spouses of deceased railway employees.
Membership Fee is Rs. 2360 including 18% GST.
2
Can a non-railway employee become a Member of IRWO?
Membership
⌄
Yes. A non-railway applicant receives an IRWO membership number for a specific housing project.
After the allotment of a dwelling unit, the membership number becomes inactive.
3
How to become a member of IRWO?
Membership
⌄
- Obtain the correct membership form as per eligibility.
- Fill in personal details and attach required documents.
- Submit the form to IRWO as per instructions in the rules/brochure.
4
What are the different types of membership?
Membership
⌄
There is only one type of Membership. Any Member can apply for any type of dwelling unit, irrespective of emoluments.
5
Can I apply for a house without becoming a member of IRWO?
Membership
⌄
No. Membership is mandatory.
6
Is the membership fee refundable if I withdraw my membership?
Membership
⌄
No.
7
Can husband and wife both become members if both are railway employees?
Membership
⌄
Yes. However, for popular schemes located in the same city they will be treated as a single Member.
8
What are the different types of houses built by IRWO?
Houses & Allotment
⌄
IRWO constructs various types of dwelling units depending upon demand, availability of land, and project conditions.
Generally, single storey, duplex or multistory type of houses are constructed with the following scale of accommodation:
| Type of Dwelling Unit |
Approx. Area (in sq.m.) |
Accommodation |
| I |
43 - 55 |
Living Room, 1 Bedroom, Bath, WC, Kitchen & balcony/verandah |
| II |
56 - 93 |
Living cum Dining Room, 2 Bedrooms, Study, 2 Toilets, Kitchen & balcony/verandah |
| III |
94 - 121 |
Living cum Dining Room, 2 Bedrooms, Study, 3 Toilets, Kitchen & balcony/verandah |
| IV |
122 - 195 |
Living cum Dining Room, 3 Bedrooms, Study, 4 Toilets, Kitchen & balcony/verandah |
The areas and other specifications may vary depending upon project cost and site conditions.
9
How can I apply for an IRWO house?
Houses & Allotment
⌄
One can apply for a house through the application form contained in the Project Brochure.
When a scheme is open, publicity is given through newspapers, IRWO website and IRWO Samachar Darshan.
The Project Brochure can be downloaded from the website.
10
Can I get more than one IRWO house?
Houses & Allotment
⌄
Yes, but only if a first-time applicant is not waiting.
11
Can I change my option from one place to another after participating in the Demand Survey?
Houses & Allotment
⌄
Yes, provided the plan for the scheme has not been submitted to the civic authorities for approval
at any of the two concerned places.
12
Can I change my option from one type of house to another?
Houses & Allotment
⌄
Yes, provided the plan for the scheme has not been submitted to the civic authorities for approvals.
13
Can I exchange my house with the house of another member?
Transfer & Co-ownership
⌄
Yes, provided both the allottees have cleared all the dues.
14
If a house is already allotted to me by IRWO, can I purchase another IRWO house from some other Member?
Transfer & Co-ownership
⌄
Yes.
15
To whom can I sell my house?
Transfer & Co-ownership
⌄
The house can be sold to:
i) A primary member at any time
ii) Blood relations at any time
iii) Others (as per applicable rules)
Please check the latest General Rules available on the IRWO website.
16
What are the formalities for sale or purchase of an IRWO house?
Transfer & Co-ownership
⌄
Please consult IRWO General Rules, 2013, as amended from time to time.
17
Who can be a co-owner of an IRWO house?
Transfer & Co-ownership
⌄
Parents, spouse, children, grand children, adopted children, brothers and sisters of the Member may be made a co-owner of the house.
18
How to become a co-owner?
Transfer & Co-ownership
⌄
Submit prescribed application forms along with:
- Photo of the co-owner duly attested
- Signature of the co-owner
- Processing fee as decided from time to time
No processing fee is charged for making the spouse as co-owner.
19
What is a Conveyance Deed?
Conveyance Deed
⌄
Conveyance Deed is a legal document establishing ownership rights on the property.
It is executed on stamp paper and registered with the revenue authorities.
In IRWO houses, it is executed between the allottee and IRWO representative authorized by IRWO.
20
Do I need to register my house before applying for NOC for transfer?
Conveyance Deed
⌄
Yes. Sale/transfer of immovable property must be completed by a duly registered deed.
Therefore, it is mandatory for an allottee to execute a conveyance deed/register the house before applying for NOC to IRWO.
After transfer, a copy of the registered sale deed is to be submitted to IRWO within the specified period to update IRWO records.
21
How do I execute a Conveyance Deed?
Conveyance Deed
⌄
The allottee is required to submit application in prescribed Form
H3 with a fee of
Rs. 2500 including
18% GST.
IRWO issues an authority letter containing property details for use by the revenue authority.
The authorized IRWO representative guides the allottee further. The allottee may also use any legal person as suitable.
Links (update as needed):
22
Can I withdraw from a scheme?
General
⌄
Please consult Withdrawal Rules given in IRWO General Rules, 2013, as amended from time to time.
23
What are delayed payment charges?
Charges & Funds
⌄
Delayed payment charges are levied for delay in payment of installments after a grace period of seven days.
Presently, delayed payment charges are 9.5% per annum for the period of delay.
24
What are equalization charges?
Charges & Funds
⌄
Equalisation charges are additional charges payable by a member who joins the scheme after the due date.
The rate is decided by the Governing Body from time to time. Presently equalization charges are 10.5% per annum.
25
What is Maintenance Fund?
Charges & Funds
⌄
Maintenance Fund is a corpus fund created by realizing one-time amount from allottees of a scheme (as per General Rules).
This fund is maintained and operated by respective Residents Welfare Associations (RWAs).
Interest from this fund is used to maintain common services/facilities. If interest is not adequate, RWAs may collect additional charges.
26
What is Depreciation Reserve Fund?
Charges & Funds
⌄
Depreciation Reserve Fund is a corpus fund created by realizing one-time amount from allottees (as per General Rules).
It is used for replacement of heavy capital equipment such as lifts, generators, pumps etc.
Interest on this fund is credited back to the fund. Withdrawals from this fund are allowed only with consent of IRWO.
27
What is a Residents Welfare Association (RWA)?
Charges & Funds
⌄
Each colony is required to have a Residents Welfare Association / Society for maintenance of common services/facilities.
Please consult IRWO General Rules for detailed functions and responsibilities.
28
How can I contact IRWO for help?
General
⌄
IRWO Corporate Office
Indian Railway Welfare Organisation (IRWO)
New Delhi – 110001
Phone: 011-23413627
Email: support@irwo.net
Website: www.irwo.net
