STEMS Welfare Association has been formed with a view mainly (apart from other social service activities) to provide housing to its members on Cooperative principles i.e. “No Profit- No Loss” basis. The members are basically among the employees of Public /Private sectors, Insurance, State /Central government organizations situated in Visakhapatnam, Andhra Pradesh. The facilities are also extended to the relatives /friends those who reside across the world at present. Our Association is creat