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Serving Personnel AFGIS

Current Life Insurance Schemes (Serving)

A number of Schemes have so far been introduced. Each Scheme is an improvement over the previous Scheme providing improved benefits in the event of death, disability or survival. Some of the Schemes have since been closed membership is accepted for Schemes other than GIS-11 and FPLI-14 (Flying Branch only).

Survival Benefit Claim

At the time of retirement the saving element of contribution with interest accumulated on it along with bonus (if any) is paid to the member on the Survival Benefit Claim from 'AFGIS-212'. In case the member is entitled to pension the individual is provided Post Retirement Insurance Cover (PRIC) for which the nomination form 'AFGIS-224' is to be filled by the member.

Death Claims While In Service wef 01 Jul 2016

In the event of death occurring before the terminal date (ie. while in service), the beneficiary will be paid as death benefit, the sum assured plus saving element of respective scheme for appropriate years of participation with interest. Sum assured against death benefit are as follows :-

  • Officers : Rs.75 Lakh + Rs.10 Lakh (For members covered under FPLI only).
  • Airmen : Rs. 37.5 Lakh + Rs.5 Lakh (For members covered under FPLI only).
  • NCs(E) : Rs.18.75 Lakh.

Nomination

The accepted nomination for DSOPF / AFPP Fund held at AFCAO will be treated as nomination for AFGIS for the purpose of payment of death claim whilst in service. "In the event of nomination not being revised after marriage, first beneficiary is the wife / children of the deceased subscriber and subsequently the other family members". A member can nominate any of their family members for death benefits. The term "family member" for the purpose of nomination is as under:-

Family members

  • In case of married members. The wife / husband, parents, children, minor brother(s), unmarried sister(s), deceased sons widow and children and where no parents of the member is alive, a paternal grandparent.
  • In case of unmarried members, widows and widowers not having children. May nominate any person(s). in the absence of any such nomination, the beneficiaries would be father and mother in that order.

Nomination by Exception : AFGIS (Form)-223. [In duplicate]

A member who desires to nominate any person other than beneficiaries nominated for DSOP/AFPP fund may do so by executing AFGIS-223. Such nominations must indicate the names and details of all the persons eligible to receive the benefit in specific percentages. The sum total of the percentage of benefit must total to cent percent (100%). If this nomination (Form-223) has been executed prior to self marriage, then the same would become invalid on self marriage unless revised after the date of marriage. In the event of invalid Form 223, the death benefits will disbursed as per valid DSOPF/AFPPF nomination. In the event of invalid nominations, the first beneficiary is wife/children of the deceased member and subsequently the other family members.

Note :

  • All dues outstanding against a member / beneficiary in the books of AFGIS / IAFBA would be recovered as a first charge.
  • Whenever there are more than one nominee, the specific percentage of share of the nominee should be mentioned against each.

In case where the beneficiary is minor, the death benefit payable will be invested in Indian Air Force Social Security Deposit (IAFSSD) Cumulative Scheme of AFGIS until the beneficiary becomes major or submission of Guardianship certificate from court of law.

Documents

Following documents are required to be forwarded by the beneficiary / Unit for payment of death benefit:-

  • AFGIS 230 (Death Claim Form) [Single Copy] : To be filled up by beneficiary. (Available only from AFGIS ).
  • AFGIS 227 (Bank Confirmation) [ Single Copy] : To be verified by the Bank Manager (Available only from AFGIS). Beneficiary must have a single account (Not a Joint account).
  • Appendix "K" [Single Copy] : As per format given in IAP 3601 need to be forwarded by Unit to AFGIS at the earliest.

Note : Part II of the Death Claim (AFGIS 230) is to be attested by Magistrate / AOC / Stn Cdr of any Air Force Unit.

Disability Claims

Every member who is invalided out of service due to disability by an invaliding Medical Board (not Release Medical Board held at the time of retirement) on account of disability, whether attributable to service or not, is provided disability benefit at half the life cover for 100% disability and for lesser disability in the same proportion subject to a minimum disability of 20%.

NOTE : A disability detected in a Release Medical Board does not entitle the person to disability benefit since the scheme is structured on the philosophy of compensating an individual on whom Release/Discharge is enforced by the service itself by means of an Invaliding Medical Board. Here the stress is on discharge being enforced on the person. Here it may be noted that the disability pension granted by the pension authorities have no bearing on the grant of disability benefit by AFGIS. In case an individual is offerred an alternative trade and refuses to accept it he would not be eligible for disability benefit. In view of the above the following are not eligible for disability benefit from AFGIS.

  • Personnel detected with disability in Release Medical Boards.
  • Personnel who refuse alternate employment (Remustering) on being detected with a disability.

Attributability

Attributability of disability to service is no consideration for payment of disability benefit. The main criteria is the degree of disability recommended by the Services Medical Board and invaliding out of service of a member, which must co-exist. However, the Society does not accept any liability for subsequent aggravation of disability.

Exceptions

Members invalided out of service for the causes given below are not entitled to any disability benefit irrespective of the percentage of disability :

  • Alcoholism.
  • Drug Addiction.
  • Self inflicted injuries.
  • Disability arising out of attempted suicide.
  • Any disability, arising out of intentional acts resulting in criminal conviction.
  • Invalided within one year of enrolment or on joining AF due to disability which is not attributed to service.
  • On refusal/ unwilling to accept/ remuster to other branch/ trade.

Disability Claim Forms

Following Forms need to be filled in order to avail disability benefit from the Society :

Final Withdrawal From Survival Benefit

  • Considering the increasing trend of the numbers of air warriors withdrawing their survival benefit balances which results on one hand in eroding of the funds available with AFGIS and, on; the; other, compromising the financial security of the air warriors and their beneficiary NoK, the Board of Trustees of AFGIS has  approved revision of certain provisions of the scheme. The details of the revision is given below:-
    • Final withdrawal will be admissible only once in the service career of the air warrior.
    • Final withdrawal from SB balance will be admissible only after the air warrior completes 15 years of actual service.
    • The max amount of final withdrawal will be restricted to 50% of the balance available.
    • Final withdrawal will be allowed only for purpose of defraying expenditure on higher education/marriage of a ward of the air warrior.
  • All other rules and provisions pertaining to the scheme will remain unchanged.
  • The revised policy will be effective from 01 Oct 15.

Loans From AFGIS House Building Loan HBL

Documents Required

AFGIS : HOUSE BUILDING LOAN (HBL) : RULES AND TERMS CONDITIONS (Revised 01 Oct 16)

IMPORTANT NOTE

Before applying for HBL from AFGIS, applicants must read the policy governing grant of HBL given in Chapter 10 of IAP 3601 and the AFGIS website (afgis.iaf.in) and AFNET. Applicants are also advised to consult Unit Adjutant / SAO.

Eligibility

Category Officers Airmen NCs(E)
A.HBL for self-construction of a house or for purchase of residential plot or for purchase of house/flat from a pvt builder or for purchase of an existing house or for repayment of house loan taken from bank/financial institution or for renovation /extension of an existing house/flat 5 Years 5 Years 5 Years
B.HBL for acquiring residential plot/ flat/house/from AFNHB /AWHO/IRWO or other housing boards or for purchase of residential plot from Central/State govt/ other civil authorities like DDA/BDA/JDA 6 Months 2 Years 2 Years

Quantum of loan

Category of
Member
Purpose of HBL Max Amount Remarks
Officers (PC/SSC) Airmen/ NCs (E) For purchase/construction of house/flat Rs 60 lacs Amount of HBL sanctionable is subject to the repaying capacity of the applicant
For extension/renovation of house/flat Rs 30 Lacs
For Purchase of plot Rs 40 Lacs

Rate of interest

Category Upto 7 Lacs Above 60 Lacs
Officers/Airmen 8.35 % pa
NCs(E) 8 % pa 8.35 % pa

Note: 2nd & subsequent HBL and HBL for renovation/extension of house/flat etc : 8.35 %pa

Repaying Capacity

The quantum of HBL admissible to the applicant would depend on his/her repaying capacity which is determined by ascertaining that the total deductions (including the anticipated EMI towards the HBL that is now being applied for) in the applicant’s IRLA does not exceed 80% of the gross emoluments reflected in the latest monthly pay slip.

Processing Fees

Nil. (Processing Fee has been waived off wef 01 Oct 17)

Loan Insurance

  • HBL availed from AFGIS has to be mandatorily insured by payment of necessary contribution (premium) by the loanee (refer chart for contribution)
  • Loan insurance is compulsory for all types of hbl.
  • The insurance cover to the loan is provided upto the last EMI (installment).
  • If the loan is disbursed in one lumpsum, then one time non-refundable contribution towards loan insurance will be recovered from loan amount.
  • In case the loan is disbursed in installments then contribution will be recovered from the amount of Installments.
  • In case an individual opts to repay the loan in higher number of installments, additional amount of contribution toward loan insurance will be recovered for enhanced period of repayment of loan.
  • In the event of death of loanee, the principal outstanding as on the first day of the month in which death occurs will be adjusted and no loan amount will be recovered from the death benefits payable to the nominee from AFGIS.
  • The year wise break down of one time non-refundable contribution for Rs.1,00,000/- of house loan is as follows :
Term(Years) Amt of Contribution (1 Lac of HBL )
Officers Aitmen/NCs(E)
1 319 275
2 484 410
3 651 544
4 819 678
5 988 813
6 1158 950
7 1332 1089
8 1510 1231
9 1694 1371
10 1884 1514
11 2080* 1658**
12 2287 1804
13 2503 1954
14 2725 2109
15 2951 2268
16 3179 2432
17 3407 2605
18 3634 2785
19 3860 2970
20 4084 3158
21 4306 3384
22 4511 3536
23 4707 3723
24 4897 3909
25 5086 4094

Note 1 : One time non-refundable contribution will be calculated for amount in  multiples of lacs and the tenure (no of years) of the loan. Fraction of a year will be counted as one full year.

EXAMPLE

If an individual has been sanctioned a loan of Rs. 5.93 Lac in 125 installments (i.e. 10 years 5 months), non refundable contribution will be charged for Rs. 6 Lac in 132 installments (i.e. 11 years)

HBL sanctioned : Rs. 6 lacs

Tenure of Repayment : 125 EMIs

Calculation :

Amount on which premium is calculated : Rs. 6 lacs
Tenure of Repayment : 11 years ( 10 years 5 months)

Amount of contribution :

Officers Rs. 12480/- (6,00,000/1,00,000) X 2080*
Airmen/NCs(E) Rs. 9948/- (6,00,000/1,00,000) X1658**

Repayment of HBL

The repayment period for different categories is appended below :

  • The principal amount and interest is recoverable in max of 300 EMIs.   The principal amount and interest of second and subsequent HBL would be recoverable in max of 240 installments.
  • In case of purchase of residential plot, the HBL is recoverable in max 180 EMIs and for renovation/extension of house/flat max of 240 EMIs including the EMIs paid for the existing loan.

Penal Rate Of Interest

15% pa penal rate of interest is chargeable for non-submission of documents and non-compliance of stipulated policy & rules.

Second/ Additional Loan from AFGIS

Second and subsequent/additional HBL may be sanctioned to those members who have liquidated the HBL taken earlier in full and have the repaying capacity and meet all other eligibility and other terms and conditions.

HBL for Procurement of Modern Home Installations

Documents Required PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site.(124 KB)

Salient features

Sr No Criteria Details
1 Eligibity 1. Air warriors who have completed five years of regular service 2. Applicant must be the sole owner of the subject house property or jointly owned with his/her spouse
2 Max Quantum of Loan Officers – Rs 5 lakh
MWO/WO/JWO – Rs 3 lakh subject to re-paying
Sgt & below – Rs 2 lakh capacity
NCs (E) - Rs 1 lakh
3 Home Installations Covered Modular Kitchen
Solar Heating Energy System
Inbuilt Wardrobes
Rain Water Harvesting System
False Ceiling (wooden/plaster of paris etc)
Security  and Safety Systems (like cctv/fire alarm/ iron grills etc)
4 Rate of Interest 9% pa
5 Repayment of Loan 60 EMIs (max)
6 Processing Fees Nil. (Processing Fee has been waived off wef 01 Oct 17)

Application form : Instructions

  • The application form is to be filled in single copy after ensuring eligibility of loan as per the rules stipulated in Chapter 10 (HBL) of IAP 3601.
  • Strike out words which are not applicable. No column is to be left blank. Incomplete application will be rejected summarily.
  • The application is required to be countersigned by AOC/Stn Cdr/CO/Principal Director (as applicable).
  • No page/ leaf of the application form is to be detached/ removed.
  • Agreement form attached with the application may also be filled in all respects and signed by the applicant at the bottom of the page duly witnessed by two persons/ air warriors of appropriate status.
  • Date and amount is not to be written in the Agreement form and Contingent Bill. (Based on Repaying capacity, the amount approved will be filled by AFGIS).
  • The following is to be attached with the loan application:- (a) Self attested printout of latest e-payslip. (b) Proforma Invoice. (c) Photocopy of registered Sale Deed/Gift Deed of the subject property duly (owned by the applicant or jointly owned with his/her spouse) certified as true copies by the SAo/ Adjutant.
  • Applicant is to clearly state his/her bank A/c No, IFSC code, name & branch of the bank in the Contingent Bill.
  • Application should be forwarded to AFGIS under a covering letter from the applicant's unit.
  • The address to which the cheque is to be sent by post is to be clearly mentioned in the application.
  • The loan shall be mandatorily insured. One-time non-refundable contribution will be recovered from the sanctioned amount of loan.

EMI CHART @ 10%

Amt/ Yrs 50,000/- 1 Lakh 1.5 Lakh 2 Lakh 3 Lakh 5 Lakh
1 4396 8792 13188 17584 26375 43958
2 2308 4615 6922 9229 13844 23073
3 1614 3227 4841 6454 9681 16134
4 1269 2537 3805 5073 7609 12682
5 1063 2125 3188 4250 6375 10624

One time non-refundable contribution towards hbl for procurement of modern home installations insurance for RS 1,00,000/-

Term (in years) Officers Airmen/ NCs(E)
1 319 275
2 484 410
3 651 544
4 819 678
5 988 813

Motor Conveyance Loan MCL

Documents Required PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site.(4 MB)

Salient aspects of the MCL policy

Category Types Eligibilty Quantum of Loan Repayment
No. of Installments
Officers(incl SSC officers) (a) New Four wheeler Officers who have completed of at least six months of actual service from the date of their first appointment (incl post-commissioning trg assignment) after grant of PC/SSC. Rs 15 lakhs 180
(b)Pre-owned four wheeler -do- Rs 6 lakhs 120
(a) New Two Wheeler On commissioning (PC/SSC). Rs1,50,000/- 96
Airmen
(a )New  four wheeler SNCOs with pensionable service are eligible. Rs6 lakhs 180
(b )Pre-owned four wheeler -do- Rs3 lakhs 120
(a) New Two Wheeler SNCOs/Cpl & below with minimum two years of service. Rs75000/- 96
NCs(E)
New Two Wheeler With minimum two years of service are eligible. NCs(E) with 10 or more years of service Rs55,000/- NCs(E)with less than 10 years of service
Rs35,000/-
96

Notes : Rate of interest - 9 % p.a

Personal Computer Loan PCL

Documents Required PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site.(50.2 KB)

Eligibility

Officers After completion of six months of service.
Airmen After completion of two years of service
NCs(E) After completion of ten years of service

Quantum of Loan

Officers Rs Two lakhs
Airmen Rs One lakh
NCs(E) Rs 50,000/-

List of Items - Loan admissible for purchase of computer (desktop/ laptop) and   necessary peripherals (monitor/ keyboard/ mouse/ speakers/ headphone/printer/multi functional device etc) and accessories (UPS, external HDD,OHP projector etc) and computer table.

Rate of Interest – 9 % pa

Processing Fees - Nil. (Processing Fee has been waived off wef 01 Oct 17).

Insurance of PCL - A one-time non-refundable contribution towards insurance of PCL will be recovered from the loanee from the PCL amount. The existing rate of non-refundable contribution towards insurance given below:-

Tenure Of Loan
(Years)
Amount (Rs)
Officers Airmen/ NCs(E)
1 319 275
2 484 410
3 651 544
4 819 678
5 988 813
6 1158 950
7 1332 1089
8 1510 1231

Repayment of loan - Maximum 96 installments.

Discipline Cases - Not eligible if two or more (red ink) entries and five years have not lapsed from the last entry and/or disciplinary proceedings (SOE/GCM/DCM etc) are initiated/ in progress.

Deputation

Regular contribution to the scheme is imperative for the members to keep the insurance policy alive. Personnel who have availed long-term loans from AFGIS are required to ensure timely remittance of EMI (Equated Monthly Installment).

Personnel who proceed on deputation posting abroad are required to pay their contribution and loan repayment installments directly to AFGIS as their IRLA are ceased to be maintained by AFCAO.

Remittance is to be made well in advance so that the dues are to be realised by AFGIS on or before 7th of every month for which recovery is due. Default in timely remittance leads to lapse in cover of the insurance policy thus denying the benefit due to next of kin. In case of aircrew members, lapse of FPLI leads to inadmissibility of Flying Allowance

Procedure for Direct Remittance by Member Personnel on Deputation/posting abroad eligible for direct remittance of AFGIS dues are to ensure the following :-

  • All remittance to be made by Bank Demand Draft payable at New Delhi in favour of AIR FORCE GROUP INSURANCE FUND"
  • Cheques are not acceptable unless such cheques are against branches of Banks operating in (Local clearing cheques).
  • Members may issue standing instructions to the bank for monthly remittance to "AFGI FUND A/C No. 900048" Canara Bank, Subroto Park, New Delhi - 110 010.

Ex Gratia Award to Aircrew Declared Medically Unfit Permanently for flying duties

The Board of Trustees of AFGIS has approved revision of certain provisions of the above mentioned scheme. The details of the revision is given below :-

Category Revised Amt of Ex-gratia Award Revised Period Remarks
Aircrew Officers 7500 pm For 36 months from the date of cessation of flying allowance or upto  the date of retirement / superannuation / discharge / invalidment, whichever is earlier. All other terms and conditions pertaining to the scheme remain unchanged.
Aircrew Airmen 3750 pm

All other rules and provisions pertaining to the scheme will remain unchanged.

The revised policy would be applicable to cases which arise on or after 01 Oct 15.

Closure of AFGIS Scheme : Financial Assistance to Officers Hospitalized Beyond Six Months

1. Consequent to implementation of Sixth Central Pay Commission’s recommendations, officers are entitled to full pay and allowance for the entire duration of hospitalisation if such hospitalisation was due to reasons attributable to service.  Thus, only cases of extended hospitalisation due to illness / causes not attributable to service remained to be covered under the ibid scheme of AFGIS.

2. Considering the fact that during the past  period  of over 10 years,  no case had arisen and /or no request for financial assistance had been received at AFGIS, the Board of Trustees of AFGIS has decided in the BoT meeting held on 12 Aug 15 to discontinue and close the ibid scheme.

Grant of subsidy to widows of air warriors who die in an accident while in service for procuring dwelling units

The object of the scheme is to provide financial assistance to widow of Officer/Airmen/NCs(E) who die in an accident while in service, subsidy is provided to widow to procure dwelling units from all the sources viz. AFNHB/ AWHO/ civil housing agencies including private builders and for self construction. The amount of grant is Rs. 6 lakh and Rs. 4 lakh for Officers and Airmen/NCs(E) respectively which is shared by AFGIS/ IAFBA/ AFWWA(c)/ CWF in the ratio of 60:20:10:10 respectively, revised wef 05 Aug 2013.

Conditions for admissibility of Subsidy. The subsidy will be granted subject to the following conditions :

  • The subsidy will be payable to the widows of the AF personnel killed in accident while in service subject to the provision that the widow would occupy and live in the dwelling unit.
  • The widow of the deceased Officer/ Airman/ NC(E) should not be already owning a dwelling unit.
  • Acquisition of the dwelling unit will be applicable in the schemes of AFNHB/ AWHO/ Civil housing agencies including private builders and for self construction.
  • If an Officer/ Airman/ NC(E) had already purchased a dwelling unit and full payment had not been made, the scheme will cover such cases also.
  • The house can not be sold out or let out for 10 years after receipt of the subsidy amount and the widow will be required to give an undertaking to this effect in the prescribed forms.
  • Above mentioned conditions would also be binding upon legal heir(s) of the widow in case she demise before 10 years of the possession of the dwelling unit.
    • In case where the deceased Officer/ Airman/ NC(E) has availed House Building Loan (HBL) from AFGIS or any other scheduled bank/ any other housing finance agency and the HBL so availed was insured and as a consequence of such insurance the repayment of outstanding amount of HBL was exempted, then, in such circumstances, the payment of ibid subsidy is not admissible.
    • In case where the spouse of the deceased AFGIS member is a member of AFGIS/AGIF/NGIF, then spouse is ineligible for the subsidy.
    • The subsidy will also be extended to orphaned legitimate children and/ or dependent parents of deceased members also in case a widow did not exist/ had pre-deceased the member on the date of casualty, subject to their meeting all other eligibility conditions. These cases will be put up to BoT for approval on the basis of merits of each case.

In order to safeguard against misuse of the subsidy scheme, the sale deed would be executed and registered in the joint names of the widow and AFGIS and original documents will be kept in the safe custody of the AFGIS. If the dwelling unit is sold before the completion of 10 years, the widow will have to refund the subsidy amount with interest @15 %. If the dwelling unit is not occupied by the widow, it will be taken back by AFGIS and amount spent by the widow would be returned to her.

In case where the deceased Officer / Airman / NC(E) has availed the House Building Loan (HBL) from AFGIS or any other scheduled bank / any other housing finance agency and the HBL so availed was insured and as a consequence of such insurance the repayment of outstanding amount of HBL was exempted, then, in such circumstances, the payment of ibid subsidy is not admissible.

Wef 01 Apr 16, the subsidy is provided for acquiring a dwelling unit to widows of an air warrior/NCs(E), who dies while in service which covers all cases of death, both accidental and non accidental. The subsidy in respect of widows of the officers is Rs 6 Lacs and in respect of the widows of airmen & NCs(E) is Rs 4 Lacs.

Eligibility Conditions

  • The widow must apply for subsidy within five years from the date of demise of her husband.
  • The widow who is remarried as on the date of applying for this subsidy would not be eligible to receive the subsidy.
  • All other rules and provisions to the scheme will remain unchanged.

Submission of Documents

The widow of the airwarrior/NCs(E) would need to submit the following documents to AFGIS :-

  • Notarised affidavit containing undertaking to utilize the subsidy for acquiring a dwelling unit.
  • Self-attested copy of sale deed/completion certificate of dwelling unit.
  • Self-attested photocopy of the property’s insurance policy and that of its annual/biannual renewals for next five years.
  • Self-attested photograph of the property.

Sharing of Subsidy

  • Accidental DeathThe subsidy would be shared by AFGIS, IAFBA, AFWWA(C) and the concerned Command Welfare Fund in the ratio of 6:2:1:1.
  • Non-accidental Death The subsidy would be shared by AFGIS, IAFBA and the concerned Command Welfare Fund in the ratio of 7:2:1.

(Note : In case of an airwarrior of Air HQ, the IAFBA would contribute additionally to compensate for the share of Command Welfare Fund).

The above stated revised policy would be applicable to cases which arise on or after 01 Apr 16

Wef 01 Apr 16, the subsidy is provided for acquiring a dwelling unit to widows of an air warrior/NCs(E), who dies while in service which covers all cases of death, both accidental and non accidental. The subsidy in respect of widows of the officers is Rs 6 Lacs and in respect of the widows of airmen & NCs (E) is Rs 4 Lacs.

Eligibility Conditions :

  • The widow must apply for subsidy within five years from the date of demise of her husband.
  • The widow who is remarried as on the date of applying for this subsidy would not be eligible to receive the subsidy.
  • All other rules and provisions to the scheme will remain unchanged.

Submission of Documents :

The widow of the airwarrior/NCs(E) would need to submit the following documents to AFGIS :-

  • Notarised affidavit containing undertaking to utilize the subsidy for acquiring a dwelling unit.
  • Self-attested copy of sale deed/completion certificate of dwelling unit.
  • Self-attested photocopy of the property’s insurance policy and that of its annual/biannual renewals for next five years.
  • Self-attested photograph of the property.

Sharing of Subsidy

  • Accidental Death The  subsidy  would  be  shared  by  AFGIS, IAFBA, AFWWA(C) and the concerned Command Welfare Fund in the ratio of 6:2:1:1.
  • Non-accidental Death The subsidy would be shared by AFGIS,
  • IAFBA and the concerned Command Welfare Fund in the ratio of 7:2:1.

(Note : In case of an airwarrior of Air HQ, the IAFBA would contribute additionally to compensate for the share of Command Welfare Fund).
The above stated revised policy would be applicable to cases which arise on or after 01 Apr 16