AI SummaryHousing Subsidy Scheme (GBOCWWB) offers financial support to construction workers registered with Gujarat Building and Other Construction Worker's Welfare Board, helping them build their own homes with a total subsidy of ₹1,50,000 paid over five years.
Gujarat government runs this scheme through Labour, Skill Development and Employment Department. The money is paid directly into the worker's home loan account, which makes it easier for hardworking families to manage their loan burden while building a stable future.
Housing Subsidy Scheme (GBOCWWB) - Key Details
This scheme supports construction workers who take loans to buy a house. It was introduced in 2021-2022 and continues to provide a helping hand to registered workers in Gujarat. By paying a yearly subsidy, the government helps workers manage their loan payments without extra stress.
The total benefit works out to ₹1,50,000, spread evenly across five years. Each year the worker gets ₹30,000 credited to the loan account through DBT, as long as the loan terms are met.
| Detail | Information |
|---|---|
| Scheme Name | Housing Subsidy Scheme (GBOCWWB) |
| Level | State |
| State | Gujarat |
| Beneficiary | Registered construction workers |
| Benefit | ₹1,50,000 over 5 years |
| Benefit Type | Cash (DBT) |
| Main Department | Labour and Employment Department |
| Agency | Gujarat Building and Other Construction Worker's Welfare Board |
Benefits
To support the dream of owning a home, this scheme gives a total of ₹1,50,000 over a period of 5 years. The amount is paid in yearly installments of ₹30,000 each.
| Benefit Tenure | Annual Payment Amount |
|---|---|
| 5 Years | ₹30,000 per year |
If a worker has taken a bank loan of up to ₹15 lakh for the house, that worker can receive these yearly installments of ₹30,000. The money goes straight into the loan account, which lowers the interest burden over time.
Eligibility
Workers need to meet the following conditions to qualify for this support:
- Must be a construction worker registered with Gujarat Building and Other Construction Worker's Welfare Board.
- Registration with the board must be at least 2 years old before applying.
- House purchase document must be dated after 29/06/2020.
- Application must be submitted within one year from the date on the house purchase document.
- Housing loan should not exceed ₹15 lakh, and the loan tenure must be 10 years or more.
- Worker and spouse must not already own a house or property, and an affidavit confirming this is required.
- Bank loan interest certificate or statement must be submitted every year after the financial year ends to keep receiving the subsidy.
Application Process
Workers can apply for this benefit online or through the offline process. Both options are explained below.
STEP 1 - Make sure the E-Nirman Card is ready. If not registered yet, register on the E-Nirman Portal first.
STEP 2 - Go to the Sanman Portal and log in using the Citizen Login section with the registered credentials.
STEP 3 - Choose the specific subsidy scheme from the list shown on the portal.
STEP 4 - Read the instructions carefully, fill the form, and upload all required documents.
STEP 5 - Review the details and submit. A confirmation with an Application Number will be received.
For the offline process, visit the nearest District Office of the BOCW Board to collect the official application form, fill it out with accurate details, attach the required documents, and submit it to the District Project Manager.
After submission, the application goes through verification by local and state-level officials, including the District Inspector, Head Office, and Member Secretary. Once approved, the funds are transferred directly to the loan account through DBT.
Documents
Keep the following documents ready before applying:
- E-Nirman Card and Red Book (Identity Card) of the worker.
- Aadhaar Card for identity verification.
- Copy of the building purchase document.
- Loan Sanction Letter and proof of the housing loan.
- Annual Interest Certificate or Annual Loan Statement from the bank.
- Bank Passbook or loan account statement.
- Affidavit regarding property ownership as per the prescribed format.
References
More details and application links are available on these official portals:
FAQ's
What is Housing Subsidy Scheme (GBOCWWB)?
This is a welfare scheme by Gujarat Building and Other Construction Worker's Welfare Board to help registered construction workers build their own houses through financial support.
What amount will I receive?
A total of ₹1,50,000 is paid over 5 years, in yearly installments of ₹30,000.
Do I need to be registered for a specific time?
Yes, registration with the board must be at least 2 years old to be eligible.
Can I apply if I already own a house?
No, this scheme is meant for workers who do not already own a home or property in their joint or individual name.
How do I keep receiving the yearly subsidy?
A written proposal along with the annual bank loan interest statement must be submitted to the district office every year to continue receiving the payments.
Are there limits on the housing loan amount?
Yes, the loan amount must not exceed ₹15 lakh, and the repayment term should be 10 years or more.