The (www.kphcs.com) is owned and operated by the Kerala Police Housing Cooperative Society Limited.

Society may have only 3 types of members.

    1. Members, above 18+ years of age, Healthy Minded, lying within the Society, Kerala Police Department employee, not owing house in the name of husband, wife or child, having a self-owned house which needs to be renovated. All such members have the right to fall under A class division.
    2.Relatives of A class members applying for the membership in the society can too be considered as B class members, upon submission of relevant documents in relation with the applied loan. Retired police officers can also be considered for B Class membership B class members have limited right to help the A class members by providing relevant documents for their loan approval, stand as a guarantee for group insurance related matters and can join the investment schemes. B class members won’t have the right to contest the society based elections and also to vote for society based decisions.
    3. Government can be added as C class members.

www.kphcs.com ("Website") is an Internet based portal owned and operated by KPHCS, a company incorporated under the laws of India, with its registered office at No. 4348, Elamkulam, Kochi - 682070 India. Use of the Website is offered to you conditioned on acceptance of all the terms, conditions and notices contained in these Terms, along with any amendments made by KPHCS at its sole discretion and posted on the Website, including by way of imposing an additional charge for access to or use of a Service. Your use of the Website and services and tools are governed by the following terms and conditions ("Terms of Use") as applicable to the Website including the applicable policies which are incorporated herein by way of reference. If you transact on the Website, You shall be subject to the policies that are applicable to the Website for such transaction. By mere use of the Website, You shall be contracting with KPHCS and these terms and conditions including the policies constitute your binding obligations, with KPHCS . For the purpose of these Terms of Use, wherever the context so requires "You" or "User" shall mean any natural or legal person who has agreed to become a buyer on the Website by providing Registration Data while registering on the Website as Registered User using the computer systems. www.kphcs.com allows the User to surf the Website or making purchases without registering on the Website. The term "We", "Us", "Our" shall mean KPHCS When You use any of the services provided by Us through the Website, including but not limited to, (e.g. Product Reviews, Seller Reviews), You will be subject to the rules, guidelines, policies, terms, and conditions applicable to such service, and they shall be deemed to be incorporated into this Terms of Use and shall be considered as part and parcel of this Terms of Use. We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to you. It is your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of the Website following the posting of changes will mean that you accept and agree to the revisions. As long as you comply with these Terms of Use, We grant you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Website. ACCESSING, BROWSING OR OTHERWISE USING THE SITE INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING.

Privacy Policy:

It is a part of KPHCS s core values that we will properly value and protect any information entrusted to us about our members. This policy describes how we will safeguard personal and society information, to ensure peace of mind when dealing with KPHCS. It is our policy that:

    KPHCS will collect only that information about members which is needed and relevant
    KPHCS will strive to make certain that information about members is kept accurate and up-to-date
    KPHCS will use appropriate controls to ensure that this information is kept secure, and is only viewed or used by the proper personnel.
    KPHCS will comply with applicable laws, and regulations, when protecting member information.
    We hold our employees, vendors, contractors, suppliers, and trading partners to meet this same set of policies.


The (www.kphcs.com) is owned and operated by the Kerala Police Housing Cooperative Society Limited.

The information, material, advices, suggestions, illustrations, notifications, circulars etc., are collectively stated· the content in this website. If the said content contains any mistakes, omissions, inaccuracies and typographical errors etc., the Kerala Police Housing Cooperative Society, the State Police Department, Home Ministry or its contractors, web site developers or their representatives assumes no responsibility thereof.

The KPHCS makes no warranty or representation regarding any content provided through this website and disclaims its liabilities in respect thereof. Any action on your part on the basis of the said content is at your own risk and responsibility. The KPHCS reserves its right to correct any part of the said content at any time as and when required at its sole discretion. The content of this website shall not be displayed or printed in any form in part or whole without the prior written approval of the President of the Corporation.

Refund & Cancellation Policy:

  • KPHCS will not entertain any Cancellation, Return or Refund of the Membership Fee