Housing Subsidy Scheme (GBOCWWB)
₹1.5 lakh housing assistance + loan support · construction workers Gujarat
A Gujarat state scheme for registered construction workers that helps cover the interest cost on home loans. Eligible workers receive ₹30,000 per year for 5 consecutive years (total ₹1.5 lakh) as a subsidy on bank loans taken to buy a house. Apply online via the Sanman Portal (sanman.gujarat.gov.in) or visit the BOCW Board's nearest district office.
About This Scheme
A Gujarat state scheme for registered construction workers that helps cover the interest cost on home loans. Eligible workers receive ₹30,000 per year for 5 consecutive years (total ₹1.5 lakh) as a subsidy on bank loans taken to buy a house. Apply online via the Sanman Portal (sanman.gujarat.gov.in) or visit the BOCW Board's nearest district office.
Full official description
The “Housing Subsidy Scheme” is implemented by the Gujarat Building and Other Construction Worker’s Welfare Board (GBOCWWB), Labour, Skill Development & Employment Department, Government of Gujarat. The main objective of this scheme is to provide financial assistance to construction workers registered with the Gujarat Building and Other Construction Worker’s Welfare Board to build their own houses. In order to provide financial relief to the construction workers by giving subsidies for the houses purchased by them and to provide social stability to the construction workers, the "Housing Subsidy" schemewasn started in the year 2021-22. It is planned to provide financial relief and social stability to construction workers through providing subsidies.
Benefits
- ₹30,000 per year for 5 years = total ₹1,50,000 housing subsidy
- Disbursed directly into the worker's home loan account via Direct Benefit Transfer (DBT)
- Applicable on bank loans up to ₹15 lakh for house purchase
💡 Why Startups Should Care
Housing stability gives construction workers a foundation to eventually diversify into contracting or small business — this scheme's annual disbursement structure means steady, predictable support toward that asset.
Who Can Apply (Eligibility)
- Must be registered with the Gujarat Building and Other Construction Worker's Welfare Board (GBOCWWB) for at least 2 years at time of application
- House must have been purchased (documented) after June 29, 2020; application must be submitted within 1 year of purchase date
- Bank loan must not exceed ₹15 lakh with a repayment tenure of 10 years or more
- Neither the worker nor their spouse should own any other house or property (requires a sworn affidavit)
- Must submit bank loan interest certificate or loan statement each financial year to continue receiving the subsidy
How to Apply
- Apply for an E-Nirman Card through the e-Nirman Portal.
- Register as a construction worker with the Gujarat Building and Other Construction Worker's Welfare Board.
- Submit worker photograph, Aadhaar, ration card, and caste certificate (if applicable).
- Provide details of any home loan taken.
- Assistance is disbursed annually (₹30,000/year) over 5 years.
Frequently Asked Questions
What is the Gujarat Housing Subsidy Scheme?
The Gujarat Housing Subsidy Scheme is a program initiated by the Gujarat Building and Other Construction Worker's Welfare Board (GBOCWWB) to provide financial assistance to registered construction workers for building their own houses.
What are the benefits provided under the scheme?
Registered construction workers can receive an assistance of [?]1,50,000/- over a duration of 5 years, with [?]30,000/- disbursed annually, subject to the terms of assistance.
Who is eligible to benefit from the scheme?
Construction workers registered with the Gujarat Building and Other Construction Worker's Welfare Board are eligible to avail the benefits of the scheme.
What is the minimum registration period required to apply for the scheme?
Applicants must have a minimum of 2 years of registration with the construction worker's board at the time of applying for scheme benefits.
What is the deadline for applying for benefits under the scheme?
The application must be made within one year from the date of the document mentioned in the house purchase document, provided it's after the scheme's resolution date of 29/06/2020.
Is there a limit on the loan amount for house purchase to be eligible for the subsidy?
Yes, the maximum loan amount for house purchase should not exceed [?]15 lakh, and the loan tenure should be 10 years or more.
Can a registered construction worker already owning a house avail of the scheme benefits?
No, registered construction workers who already own a house or property in joint ownership are not eligible for the scheme benefits.
Is there a requirement to renew the application annually?
Yes, registered construction workers receiving benefits under the scheme need to submit a written proposal annually at the district office of the concerned board.
How to apply under the scheme?
The applicant may visit the Sanman Portal: https://sanman.gujarat.gov.in/
Can an an applicant also apply through offline mode?
Yes, for availing of the benefits of the scheme, the applicant may visit the district office of the BOCW Board.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Photograph of the worker
- Aadhaar card
- Ration card
- Caste category certificate (if applicable)