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Welfare and Rehabilitation Schemes for Ex-Servicemen

This topic provides information about Welfare and Rehabilitation Schemes for Ex-Servicemen.

There are several welfare and rehabilitation schemes and financial assistance being provided by the Ministry of Defence to ex-servicemen. Kendriya Sainik Board is the Apex Body of Government of India responsible for laying down policies / guidelines for the welfare, rehabilitation and resettlement of ex-servicemen / dependents in the country.  These policies / programmes are also being implemented by the Kendriya Sainik Board for the benefit of ex-servicemen and their families.

Armed forces

The Armed Forces of the Union means the Army, Navy and Air Force of the Indian Union including the Armed Forces of the former Indian States, but excludes the persons who have served in Defence Security Corps, General Reserve Engineering Force, Lok Sahayak Sena and Para Military Forces (PMF).

To access the definition of Ex-servicemen, click here.

Raksha Mantri Ex-servicemen Welfare Fund (RMEWF)

S. No


Amount (in Rs)


Penury Grant (65 Yrs)

(Applicable to Non-Pensioners upto Havildar Rank)


(w.e.f. 01.04.2017)


Education Grant

(Applicable to wards of Pensioners/Non-Pensioners  upto Havildar Rank)

  • Boys/Girls upto Graduation
  • Widows PG




Officer Cadet Grant (for Cadets of NDA only)

(Applicable to wards of  Pensioner/Non-Pen upto Havildar Rank)




Disabled Children Grant

(Applicable to 100% disabled wards of  Pensioner/Non-pen upto Havildar Rank)




House Repair Grant

(Applicable to Pensioner/Non-Pen upto Havildar Rank for repairs of own house damaged in Natural Calamity. Gazette Notification from State Govt required.) However, following categories may avail of the benefit even in case house damaged otherwise.

  • 100% Disabled ESM
  • Orphan Daughter (of all ranks)




Daughter’s Marriage Grant (02 Daughters)

(Applicable to daughters of Pensioner/Non-Pen upto Havildar Rank)



(w.e.f 01 April 2016)

Widow Re-Marriage Grant

(Applicable to widow of  Pensioner/Non-Pen upto Havildar Rank)


Funeral Grant

(Applicable to widow of Pensioner/Non-Pen upto Havildar Rank)




Medical Grant

(Applicable to Non-pensioner upto Havildar Rank and his dependent)




Medical Grant

Applicable to Pensioner/Non-pensioner upto Havildar Rank  (Non ECHS members only)


Orphan Grant

(Applicable to orphans of Pensioner/Non-pen All Ranks)

  • Daughters of ex-servicemen till she is married.
  • One Son of ex-servicemen upto 21 years of age.




Vocational Training Grant For Widows

(Applicable to widows of Pensioner/Non-Pen upto Havildar Rank)


(One Time)

Armed Forces Flag Day Fund (AFFDF) - Financial assistance for treatment of the listed serious diseases

Serious Diseases (Listed only) Grant

  • Angioplasty
  • Angiography
  • CABG
  • OH Surgery
  • Valve Replacement
  • Pacemaker Implant
  • Renal implant
  • Prostate Surgery
  • Joint Replacement
  • Cerebral Stoke
  • Other Diseases: Where more than Rs. 1.00 lac has been spent on treatment
  • Dialysis
  • Cancer




75% / 90% of total expenditure (Officer and PBOR respectively). Upto a maximum of 1.25 Lac.





75%/90% of total expenditure (Officer and PBOR respectively). Upto a maximum of 75,000/- per Financial Year only.

Financial Assistance to institutions involved in Rehabilitation of Disabled ESM

Sl. No.


Quantum of Aid/Grant


Paraplegic Rehabilitation Centers


  1. Kirkee

  2. 2. Mohali

Provides to ESM who have lost their limbs while on active service.


Rs.1.20 crore/- p.a.

Cost / Inmate

30,000/-  (wef April 2016    pa per inmate)

Rs.10,00,000/-pa (wef April 2015)


All India Gorkha Ex-Servicemen Welfare Association, Dehradun.

Rs. 12,00,000/-pa


Cheshire Homes

  1. Lucknow
  2. Dehradun
  3. Delhi

Rs. 9,000/-pa per inmate


War Memorial Hostels- There are 36 WWHs which provide shelter to the children of War Widows/War disabled, attributable and non-attributable cases.

Rs. 1,350/- per month per child

Modified Scooter Grant

Rupees 57,500/- provided to those ESM, who are disabled after service with a disability of 50% or more and who are not covered under the scheme of AG’s Branch of IHQ of Ministry of Defence (Army Navy & Air Force).

For eligibility criteria, application forms and other details of the above schemes, click here.

Prime Minister's Scholarship Scheme

To support higher technical / professional education of dependent wards/widows of ex-servicemen and Ex-Indian Coast Guards, the scheme was introduced in the year 2006.  5500 scholarships are being awarded annually under this scheme to wards of Ex-servicemen/widows to be shared equally between boys and girls.  The rates of Scholarship are as follows:-

  • Rs. 2,000/- per month for boys.
  • Rs. 2,250/- per month for girls.

For eligibility criteria, application forms and other details of the above scheme, click here.

Reservation for ESM in Central Government posts

Central Government Ministries/Departments:

  • 10% Direct recruitment posts upto the level of Asst Comdt. in CAPF.
  • 10% Direct recruitment posts in Group ‘C’.
  • 20% Direct recruitment posts in Group ‘D’.

Including 4.5% for Disabled ESM and dependents of those killed in action.

Central Public Sector Enterprises

  • 14.5% in Group ‘C’ Posts
  • 24.5% in Group ‘D’ Posts

Including 4.5% for Disabled ESM and dependents of those killed in action.

Nationalized Bank

  • 14.5% in Group ‘C’ Posts
  • 24.5% in Group ‘D’ Posts

Resettlement Training

An option to undergo resettlement courses in reputed institutes pan India is provided to Officers, JCOs/OR and retired personnel’s through the office of Directorate General Resettlement (DGR) to enhance their educational qualifications and increase employment options post retirement. An exemption of 100% of the course fees is given to JCOs/ORs and 60% to officers. The exempted amount against the course fees is paid by the office of DGR.

Reservation in Allotment of Oil Product Agencies Under 8% Defence Quota

The Ministry of Petroleum & Natural Gas has reserved 8% quota for LPG Distributorship and Petrol / Diesel Retail Outlets for armed forces personnel, Central / State government employees, Central / State PSU employees and CAPF. This reservation is applicable to widows/dependents of those members of Armed Forces who died in war or in harness due to attributable or aggravated causes to Military Service. The eligibility certificate for the above distributorship is issued by the office of DGR.

For eligibility criteria, application forms and other details of the schemes, click here.

Self-Employment Options

  • ESM Coal Loading & Transportation Scheme: Based on a MoU signed between CIL and DGR on 12 Dec 2013, this scheme involves formation and running of a coal loading & transportation Company which is formed by ex-servicemen officers against demand by Coal Subsidiaries. The said company is registered as a Private Limited Company and carries out loading and transportation work at a designated site. It initially commences operations with 01 pay loader and 10 tippers which subsequently increases to maximum of 04 Pay loaders and 40 Tippers. All pay loaders are owned by the ESM Company.
  • Tipper Attachment Scheme: This scheme is linked with the ESM Coal Loading and Transportation Scheme run under the aegis of DGR. Retired JCOs/OR/Widows/Dependents who have registered for the said scheme are required to attach a tipper truck with the above company. Ex-servicemen JCOs/OR pay the seed money to procure the tipper.
  • Management of CNG Station: DGR has tie up with IGL to operate Company Owned and Company Operated CNG stations of Indraprastha Gas Limited (IGL) in NCR and Delhi by ex-servicemen officers. Retired defence officers who have registered for the said scheme are sponsored to IGL for interview. On selection, the officer is contracted for management of a CNG station on a yearly contractual basis for a maximum period of five years. The scheme is presently operational in Delhi/NCR and Pune.
  • Management of Company Owned Company Operated Retail Outlets: Retired defence officers who have registered for the said scheme are sponsored to concerned oil company for interview to manage the COCO retail outlet of the concerned oil company. On selection, the officer is contracted for management of the retail outlet on a contractual basis for a maximum period of three years. The scheme is operational in Pan India.
  • Management of Mother Dairy Booths / Safal Outlets: Retired JCOs / NCOs who have registered for the said scheme are sponsored to Mother Dairy Corporation for interview to manage their milk booths / Safal outlets in Delhi and NCR area. An initial training for the selected candidates is provided by Mother Dairy.

For eligibility criteria, application forms and other details of the schemes, click here.

Children Education Concession

Children’s Educational Concession is given to the wards of Armed Forces Personnel killed/missing/permanently disabled in various operations.

For eligibility criteria, application forms and other details of the scheme, click here.

Other Concessions

  • Rail Concession: Kirti and Shaurya Chakra Gallantry Awardees and their widows are provided with First Class / AC-II Tier Complimentary Card Pass along with one companion in all express/mail trains except Rajdhani and Shatabadi Express trains. Awardees and widows of posthumous awardees of PVC, MVC, VrC and Ashok Chakra are entitled to travel by Shatabadi and Rajdhani Express trains. War Widows and Widows of Defence personnel killed in action against terrorists and extremists are facilitated with 75% concession for travel in 2nd class Mail/Express trains.
  • Air Travel Concession: Recipients of Level-I and Level-II Gallantry Awards, Pre-Independence Awards Level-I & Level-II, War disabled officers of 1962, 1965, 1971 war & Kargil war and war widows of Indian Armed Forces Personnel killed in action are eligible for 75% concession in normal economy class INR fare for travel in domestic flights by Air India.
  • Telephone Concession: The Chakra Series Gallantry Award Winners, War Widows and Disabled Soldiers get exemption from registration charges, installation charges including full and 50% concession in rental charges. They are also given priority under NON-OYT Special category for release of telephone connection.

Grievance redressal mechanism

The following efforts / arrangements are made for expeditious redressal of grievances of ex-servicemen:

  • CPGRAMS:- Online Centralized Public Grievance Redress and Monitoring System is maintained by Department of Administrative Reforms & Public Grievances for effective and timely resolution of public grievance.  Joint Secretary (ESW) is the nodal officer for Department of Ex. Servicemen Welfare.  Joint Secretary (ESW) reviews the status on monthly basis.
  • Controller General of Defence Accounts (CGDA) :- Public grievances redressal mechanism for ex-servicemen has already been functioning in the CGDA and are being closely monitored at various level. The grievances are also processed through online Centralized Public Grievance Redressal and Monitoring System (CPGRAMS) and disposed of as per prescribed time line. A dedicated call centre in PCDA (P), Allahabad has also been established with Toll free number 1800-180-5325 where an ex-serviceman can get the queries resolved through phone calls.
  • Army Headquarters (AG/PS-5):- The redressal of public grievances system for ex-servicemen have been strengthened with setting up of dedicated Directorate in the IHQ of Ministry of Defence (Army) called Directorate of Indian Army Veterans(Army). Apart from this, time bound redressal of grievances has also made through the CPGRAMS, which is web-based programme hosted in pg-portal Department of Administrative Reforms and Public Grievances (DARPG). The grievances redressal is accorded priority and efforts made to redress any grievance within stipulated 60 days of lodging the grievances.
  • Naval Hq/DPA:-The redressal of Public Grievances System for ex-servicemen have been strengthened with setting up of dedicated Directorate in the IHQ of Ministry of Defence (Navy) called “Directorate of Ex-Servicemen Affairs”. Similarly, a dedicated unit called “Naval Pension Office” at Mumbai has also been set-up by the Navy to resolve the grievances of Naval Pensioner’s / family Pensioners. Grievances received through letters / telephone by Navy are addressed by these organizations. Apart from time-bound redressal of grievances through above mechanism, the same are also resolved by Navy through CPGRAMS, an online web-enabled system over NICNET developed by NIC in association with the DARPG to provide speedy redressal and effective monitoring of grievances of citizens by ministries & departments of Govt. of India. The redressal of grievances through CPGRAMS is accorded highest priority and efforts are made to redress any grievance within stipulated 60 days from the date of lodging the grievance.
  • Air Hqrs/DAV:-  A dedicated Air Veterans Cell is functioning for the Air Force Veterans to redress the grievances of ex-servicemen and every effort is in place to ensure early redressal of queries, if any, with respect to Air Veterans.
  • Department of Ex-Servicemen Welfare:-There is specific cell in Department of Ex-Servicemen Welfare (DESW) for handling grievances relating to pension.  The grievances received electronically through CPGRAMS are disposed off electronically and the remaining grievances are disposed off manually.  Grievances relate to pension fixation, disbursal, rehabilitation, re-employment, financial assistance, grant of benefits to ESM / families by the State Governments such as land / houses / flats, compensation, ex-gratia, criminal complaints etc.  The grievances are forwarded by the Pension Grievance Cell and other sections in the DESW to the respective Government agencies / units in the Armed Forces, Controller General of Defence Accounts (CGDA) etc. for necessary action and disposal.
  • All the three attached offices under the administrative control of DESW namely, Kendriya Sainik Board Sectt., Directorate General of Resettlement and Central Organization, ECHS have their own grievance redressal mechanism in place.
    • ECHS toll-free Helpline has been made available to all ECHS members at 1800-114-115 for resolving queries on Membership, Treatment and Enrolment.
    • A dedicated toll free helpline 1800115250 is functional in Kendriya Sainik Board Secretariat for redressal of ESM grievances and answering their queries.
    • References / communications from MP/VIP, NHRC, DARPG, RTI cases as well as grievances / petitions having specific directions of higher authorise are followed up and monitored till final disposal.

Source : PIB

manjunath sk Dec 22, 2019 07:59 AM

respected sir, is there any scheme to do agriculture by getting land from government my father rem and expired in an arrack accident, before 14 years

H Behera Nov 26, 2019 02:49 PM

Sir I served in Indian coast guard.taken vrs and getting pension.being served as uniformed armed forces of India, I am not an ex serviceman or not in paramilitary force.where i am stands and what welfare scheme applicable for me from centra and state govt.

kishore kumar Oct 21, 2019 02:14 AM

Sir I am an ex crpf person .above welfare benefits is also available me .know if think start small scale business try like paper bags making any type of help fm govt to me in financely benfits for support purchase of machines for resetilment

Rajat kumar Oct 07, 2019 10:10 AM

Sir I am a dependent of ex-serviceman killed in action .There is reservation in nationalised banks and it's shows reservation seats during their notification.But the group c govt jobs don't show any reservation for dependent of ex-serviceman killed in action .They show only for ex-serviceman.But in central govt group c job thier is reservation for dependent of ex-serviceman killed in action and cpses job also give the quota but company not give. What to do sir ?

GOPALAKRISHNAN Sep 26, 2019 11:25 PM

Sir, i am ex serviceman. presently worked in jhansi, state UP for contract basis under the DGR sponsor security agency since 20 years. Now i planed that and finaly shifting to my permanant native place - Thrissur, kerala state.

My house hold itoms are shifting through goods vehicles from UP to Kerala. If any tax facility is awailable for ex servicemans house hold itoms???

If awailable, please forward me above cerculars at the earliest please. Thanks

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