1. Eligibility

Government employees, officers, bank employees, private school teachers and staff, private institution employees, and other citizens can join GROWELL and avail its benefits.

• Minimum age: 18 years

• Maximum age: 50 years

2. Registration & Communication

• Registration through the official form is mandatory.

• Members must join the official Telegram/WhatsApp groups for updates, support notices, and important announcements.

• Members are expected to check the Telegram group at least twice a week.

• GROWELL follows the principle:

  “Only those who contribute will receive support.”

• A one-time joining fee of ₹200 is mandatory.

• Members are also required to contribute support amounts when assistance is requested for deceased members’ families.

3. Membership Restriction

If a member joins another organization operating with objectives similar to GROWELL, they will not be eligible for benefits from GROWELL. Membership may automatically terminate in such cases.

4. Helpline

Official Helpline Number: +91-7599090355
Members may contact through calls or WhatsApp for assistance and information.

GROWELL operates various welfare schemes for members and society. The most significant scheme is financial assistance provided to the nominee/family of a deceased member.

Whenever a valid member passes away:

• All members are informed through official social media platforms.
• Members are required to send the prescribed minimum support amount directly to the nominee’s bank account.
• Uploading the transaction receipt on the website is mandatory.
• The organization reserves the right to increase or decrease the minimum contribution amount depending on the number of members.

5(A) Standard Lock-In Period

• Every member has a 1-year / 365-day lock-in period.

• If a member dies before completing 1 year from the registration date, no support claim will be valid.

• If the member dies after the lock-in period without getting an opportunity to contribute, support may still be provided.

5(B) Serious Illness Lock-In Period

• For members with serious illnesses, the lock-in period is 2 years.

• Serious illnesses must be declared and updated in the profile.

• Failure to disclose serious illness may result in rejection of claims.

• Illnesses recognized by the Indian Medical Association will be considered valid.

5(C) Effective Date

The 2-year lock-in period for serious illness cases is applicable from 1 January 2026 onward.

5(C.1) Illness Verification

If a member with a serious illness dies:

• The cause of death will determine validity.

• If death occurs due to accident or unrelated causes, the case may still be considered valid.

Example

If a member suffering from kidney disease dies in a road accident after 12 months of joining, the claim may still be treated as valid because the death was accidental and not due to illness.

5(D) Core Team Authority

The GROWELL Core Team has full authority to investigate cases and make decisions regarding eligibility and assistance.

No member or nominee can claim assistance as a legal right; GROWELL only morally facilitates support from members.

5(E) Multiple Nominees

If multiple nominees exist, GROWELL may intervene to ensure fair support distribution.

False allegations, misinformation, or misconduct against the organization may result in:

• Recovery of support funds

• Transfer of funds to another deserving family

• Legal action if necessary

5(F) Excess Payment Refund

If a member accidentally transfers excess money to a nominee:

• The nominee must return the extra amount upon proof submission.

• GROWELL will try to facilitate the refund but cannot legally guarantee it.

6. Mandatory Contribution

To remain eligible:

• Members must contribute whenever assistance is announced.

• After contribution, uploading the receipt/form is mandatory.

• Without contribution proof, eligibility will not be recognized.

7(A)

If a member misses contributions:

• Membership validity may lapse.

• Validity can be restored after continuous contributions for 6 months.

• If more than two contributions are missed, 9 months of continuous contributions will be required.

7(B)

Members who stopped contributing may rejoin by:

• Completing 6 months of continuous contributions

• Serving an additional 6/9 month lock-in period

7(C)

If a member remains inactive for 6 months or more:

• They must complete pending contributions

• A 9-month lock-in period will apply again

7(D)

Personal or family reasons for missing contributions will not be accepted as valid claims for assistance.

8.

If a member:

• Has been associated with GROWELL for more than 2 years, and

• Has completed more than 90% contributions,

Then the member may still be treated as valid even if contributions were not continuous.

8(A)

After completing 6 months of contributions:

• One missed contribution per year may be excused under unavoidable circumstances.

8(B)

If a member dies during an active contribution period before the deadline expires:

• The family may still receive assistance.

This rule applies only in cases of hospitalization, serious illness, or accidents.

9.

In cases like:

• Suicide

• Disputed death cases

• Sensitive legal matters

The Core Team has the authority to investigate and decide eligibility.

9(A)

If multiple members die on the same date:

• Priority will be given based on higher contribution percentage/average.

Discipline & Conduct

10.

No assistance can be granted or canceled outside these rules.

10(A)

The Core Team may take action against:

• Indiscipline

• Anti-GROWELL activities

• Conspiracies

• False propaganda

• Misbehavior with team members

10(B)

Rules may be modified anytime according to organizational needs.

Since contributions are directly transferred to nominees:

• Members have no legal right to challenge assistance-related decisions.

11.

Membership is completely voluntary.
Any member may leave the organization anytime by choice.

Mandatory Group Membership

12.

Joining the official Telegram/WhatsApp group is compulsory because all official notices are shared there.

Fraud Prevention

13.

Fake receipts, forged documents, or rule violations may result in:

• Membership cancellation

• Loss of benefits

14.

Members must pay an annual administrative fee of ₹200 (non-refundable).

Failure to pay on time may result in membership cancellation.

This fee is used for:

1. Website development and maintenance

2. Mobile app development

3. SMS services

4. Office and technical support

5. Field inspections

6. Membership expansion campaigns

7. Improving technical transparency and processes

Important Notes

• Contributions are voluntary support among members and do not create legal obligations.

• Hiding facts or joining without eligibility may invalidate claims.

• Members promoting rival organizations may face termination.

• Misbehavior, threats, or harassment toward team officials may result in immediate membership cancellation.

• In any dispute, the rules uploaded on the official website will be considered final and valid.