Frequently Asked Questions

Membership of IRWO is always open provided the applicant fulfills the following eligibility criteria:

• Serving railway personnel, except those on deputation with railways, having at least two years of continuous service.
• Retired railway personnel, who have retired after at least 20 years of service in railway except those who retired on disciplinary grounds.
• Railway personnel who ceased to be in service on medical grounds before rendering 20 years of continuous service.
• Personnel of co-operative societies/banks working for railways only.
• Spouses of deceased railway employees.

The non-railway applicant receives a membership number of IRWO for a specific housing project. After the allotment of a dwelling unit, the membership number becomes inactive.

Membership is open to:

• Serving and retired railway employees
• Blood relatives of railway employees
• Non-railway individuals (subject to specific eligibility conditions)

There is only one type of Membership. Any Member can apply for any type of dwelling unit, irrespective of emoluments.

No.

No.

Yes. However, for popular schemes located in the same city they will be treated as a single Member.

IRWO constructs various types of dwelling units depending upon demand for houses, availability of land, cost of land etc. 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

One can apply for a house through the application form contained in the Project Brochure. When a scheme is ready for application wide publicity is given through news papers, this website and through IRWO Samachar Darshan. Project Brochure can be downloaded from the Web Site.

Yes. But only if a first time applicant is not waiting.

Yes, provided the plan for the scheme has not been submitted to the civic authorities for approval at any of the two concerned places.

Yes, provided the plan for the scheme has been submitted to the civic authorities for approvals.

Yes, provided both the allottees have cleared all the dues.

Yes.

The house can be sold to:

Please consult IRWO General Rules, 2013, as amended from time to time.

The Parents, spouse, children, grand children, adopted children, brothers and sisters of the Member may be made a co-owner of the house.

Co-owner can be made by submitting application in prescribed forms along with photo of the co-owner duly attested, signature of the co-owner and processing fee as decided from time to time. No processing fee is charged for making the spouse as co-owner.

Conveyance Deed is a legal document establishing ownership rights on the property. It is required to be executed before the revenue authorities on stamp paper of appropriate value. In case of IRWO houses, it is executed between the allottee and IRWO representative specifically authorised by IRWO to do so.

Transfer of any property is governed by the Transfer of Property Act, 1882, the Registration Act, 1908, and the Indian Contract Act, 1872 (apart from the Stamp Act). Accordingly, sale of an immovable property must be completed only by a deed duly registered. As such, it is mandatory for an allottee to execute a conveyance deed/register his/her house before applying for an NOC to IRWO. Further, a copy of the registered sale deed, after the transaction, is to be submitted to IRWO within a specified period to incorporate the change in IRWO's records.

The allottee is required to submit an application to IRWO in the prescribed Form (H3) along with a fee of Rs. 2500 including 18% GST only. Click here for more details before applying.

Please consult Withdrawal Rules given in IRWO General Rules, 2013, as amended from time to time.

Delayed payment charges are charges levied for delay in payment of installments after a grace period of seven days. At present the delayed payment charges are 9.5% per annum for the period of delay.

Equalisation Charges are additional charges payable by the member who joins the scheme after the due date of payment of Booking Money first installment of the scheme. The rate to be charged is decided by the Governing Body from time to time. At present equalization charges are @ 10.5% per annum.

Maintenance Fund is a corpus fund created by realizing one time amount from allottees of a scheme according to a percentage of cost of construction as given in the General Rules. This Fund is maintained and operated by respective Residents Welfare Associations. The interest realized from this Fund is used for maintenance of the common services/facilities of the colony. If the interest is not adequate, the RWAs may collect additional charges from the allottees.

Depreciation Reserve Fund is a corpus fund created by realizing one time amount from allottees of a scheme according to a percentage of cost of construction cost. This Fund is to be used for replacement of heavy capital equipment such as lifts, generators, pumps etc. Interest on this Fund is credited back to the Fund. Amounts from this Fund can be withdrawn only with the consent of IRWO.

Each colony is required to have a Resident Welfare Association / Society for the purpose of maintenance of the common services / facilities of the colony. Please consult IRWO General Rules for the details regarding the functions and responsibilities of the RWAs.