For Marriage / Education

Type of Advance / Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-k of the Scheme / For the marriage of:
  1. self
  2. son, daughter
  3. brother, sister
For education of :
  • self
  • son, daughter
/ Should complete at least 7 years of service.
3 times in the entire service / 50% of Employee share at the time of tendering the application / Apply in Form-31 through the Employer
Bonafide Certificate duly indicating the fees payable from the educational institution
Marriage invitation card along with the
application should be submitted through the employer

For Treatment

Type of Advance / Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-j of the Scheme

Whenever required for treatment / For the treatment of :
  1. self
  2. Hospitalization for 1 month or more
  3. major surgical operation in a hospital
  4. suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment
    and having been granted leave by his employer for the treatment of said illness
  1. family( spouse, son, daughter, dependent father, mother)
  2. major surgical operation in a hospital and 1 month or more hospitalization for the operation
  3. suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment
/
  • No minimum service required
  • Certificate from ESI or from Employer that the ESI facility are not available to the member
  • a doctor [ or registered medical practitioner] of the hospital certifies that a surgical operation or hospitalization for 1 month or more is/was necessary
  • In case of TB, leprosy ...etc., a specialist doctor should certify
/ 6 times of Wages
OR
Full of Employee share
(whichever is less) / Certificates of proof as mentioned in the eligibility column
Apply in Form-31 through the Employer

For the construction/ purchase of dwelling unit (house/ flat)

Type of Advance /
Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-B of the Scheme

Only Once (either 'construction or purchase of house' or 'repayment of housing loan)

Apply in Form-31 / For the construction/ purchase of dwelling unit (house/ flat)
/
  • Should complete 5 Years of service
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than the spouse
/ 36 times of Wages / Declaration in the Proforma obtained along with application signed by Member
Apply in Form-31 through Employer

Repayment of housing loan

Type of Advance /
Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-BB of the Scheme

Only Once (either 'construction or purchase of house' or 'repayment of housing loan)

Apply in Form-31 / Repayment of housing loan
/
  • Should complete 10 Years of service
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than spouse
/ 36 times of Wages / Declaration in the Proforma obtained with approval and signed by the Member
Apply in Form-31 through the Employer

For the purchase of site/ plot

Type of Advance /
Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-B of the Scheme

Only Once
/ For the purchase of site/ plot /
  • Should complete 5 Years of service
  • Only once in service
  • property should be registered in the name of self or spouse or jointly
  • should not be a joint property owned by other than spouse
/ 24 times of Wages / Filled-up Declaration(from the Employee in the prescribed form and enclosed with the application.
Copy of the Purchase Agreement
Apply in Form-31 through the Employer

Addition/alteration of house

Type of Advance /
Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-B(7) of the Scheme

Only Once

Apply in Form-31 / Addition/alteration of house
(same type of advance can be availed for repair of house) /
  • Should complete 5 Years after construction
  • Annexure III (construction / completion certificate/ utilisation certificate) should be submitted
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than spouse
/ 12 times of Wages / Certificates of proof
Apply in Form-31 through the Employer

Repair of house

Type of Advance /
Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-B(7) of the Scheme

Only once / Repair of house
(same type of advance can be availed for alteration of house) /
  • Should complete 10 Years after construction
  • Annexure XIII (construction completion certificate) should be submitted
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than spouse
/ 12 times of Wages / Certificates of proof
Apply in Form-31 through the Employer

Lockout or closure of the establishment

Type of Advance /
Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-H of the Scheme

Whenever need arises / Lockout or closure of the establishment /
  • No minimum service
  • should be closed for more than 15 days
  • Wages for atleast 2 months is not paid
  • Balance should be there in Employee's share. If closed for more than 6 months, advance can be allowed from Employer's share also
/ equivalent to the total of wages multiplied by no. of months closed / Declaration
Apply in Form-31

Withdrawal prior to retirement

Type of Advance /
Purpose / Eligibility / Maximum Admissible Amount** / Proof/ documents required
Under Para 68-NN of the Scheme

Only once / Withdrawal prior to retirement /
  • No minimum service
  • atleast 54 years of age
  • 1 year before retirement
/ 90% of total of both shares / Certificate from the employer showing the date of retirement
Apply in Form-31

Other Advances

68L : ADVANCE IN ABNORMAL CONDITIONS

Types of Benefit / Eligibility / Eligible Amount / Form / Documentary Support
Grant of advance in abnormal conditions, Natural calamities etc. / · Certificate of damage from appropriate authority.
· State Govt. declaration. / Rs. 5000/- or 50% of member’s own share of contribution (To apply within 4 months) / No.31 / Certificate from the Appropriate Authority.

68 M : ADVANCE TO MEMBER AFFECTED BY CUT IN THE SUPPLY OF ELECTRICITY

Types of Benefit / Eligibility / Eligible Amount / Form / Documentary Support
Grant of advance to members affected by cut in the supply of electricity / The advance may be granted only to a member whose total wages for any one month commencing from the month of January 1973 were 3/4th or less than 3/4th of wages for a month / Wages for a month
OR
Rs.300/- / No.31 / Certificate from State Govt. regarding cut in the supply of electricity.

68 N : GRANT OF ADVANCE TO MEMBERS WHO ARE PHYSICALLY HANDICAPPED

Types of Benefit / Eligibility / Eligible Amount / Form / Documentary Support
To Physically Handicapped member for purchase of an equipment required to minimize the hardship on account of handicap. / Production of medical certificate from a competent medical practitioner to the effect that he is physically handicapped / Basic wages+ DA for six months
or own share of contribution with interest or cost of equipment which ever is least. / No.31 / Certificate from the Medical practitioner to the effect that the member is physically handicapped..