AI SummaryHome Loan Interest Subsidy Scheme- Gujarat Labour Welfare Board helps workers in the organized sector of Gujarat buy their own house by giving a 3% interest subsidy on their home loans. Registration for the scheme is open, and eligible workers can apply online through the Sanman Portal.
The scheme is offered by the Gujarat Labour Welfare Board under the Labour, Skill Development & Employment Department of the Government of Gujarat. As of August 2026, fresh applications continue to be accepted from workers who meet the conditions, and the subsidy amount is sent directly to the applicant's bank account through Direct Benefit Transfer (DBT).
The 3% subsidy is calculated on a home loan of up to ₹15 lakh, provided the house does not cost more than ₹30 lakh. The loan should have a tenure of 15 years or more and must be taken from a nationalized bank, scheduled bank, or recognized NBFC.
Construction workers in Gujarat can check similar housing support under the Housing Subsidy Scheme (GBOCWWB) available on this website.
Home Loan Interest Subsidy Scheme- Gujarat Labour Welfare Board Highlights
Here are the main points of the scheme at a glance:
| Detail | Information |
|---|---|
| Scheme Name | Home Loan Interest Subsidy Scheme- Gujarat Labour Welfare Board |
| Level | State |
| Beneficiary State | Gujarat |
| Benefit Type | Cash (DBT) |
| Interest Subsidy | 3% |
| Maximum Loan Covered | ₹15 lakh |
| Maximum Property Price | ₹30 lakh |
| Main Department | Labour and Employment Department |
| Department Running the Scheme | Gujarat Labour Welfare Board |
| Application Mode | Online through Sanman Portal |
Benefits
Workers who get approval under this scheme receive these benefits:
- 3% interest subsidy: The interest rate on the home loan is reduced by 3%, which brings down the monthly EMI and the total interest paid over the loan period.
- Coverage up to ₹15 lakh loan: The subsidy is calculated on a maximum loan amount of ₹15 lakh, or the actual loan amount, whichever is lower.
- Direct Benefit Transfer: The subsidy amount is credited directly to the applicant's bank account, so there is no middleman involved.
Eligibility
Workers need to meet these conditions to apply for the scheme:
- Must be working in the organized sector in a factory, company, or organization within Gujarat.
- Must have completed at least one year of continuous employment with the same employer.
- The employer must have regularly deposited Labour Welfare Fund contributions for the worker.
- Total purchase price of the house should not exceed ₹30 lakh.
- Home loan tenure should be 15 years or more.
- Loan should be taken from a nationalized bank, scheduled bank, or recognized NBFC.
- Application should be submitted within one year from the date on the house purchase document.
Application Process
The complete application is done online, and the steps are simple:
STEP 1 - Visit the official Sanman Portal of Gujarat.
STEP 2 - On the homepage, go to the 'Citizen Login' section and click 'Please Register Here'.
STEP 3 - Enter your Aadhaar number, choose the user type, and provide your Labour Welfare Fund account number.
STEP 4 - Click 'Fetch' so the system can verify your details automatically.
STEP 5 - Create your login credentials, including a secure password.
STEP 6 - Log in with your new credentials and open your dashboard.
STEP 7 - Select Home Loan Interest Subsidy Scheme- Gujarat Labour Welfare Board from the list and read all instructions carefully.
STEP 8 - Fill in the application form with accurate details and upload all the required documents.
STEP 9 - Review the application, agree to the terms, and submit it. Keep the confirmation number safe for future tracking.
Documents Required
Keep these documents ready before starting the online application:
- Recent passport size photograph.
- Identity card issued by your employer.
- Aadhaar card.
- Labour Welfare Fund account number.
- Loan sanction letter from the bank.
- Annual loan statement or annual interest certificate.
- Signed Self-declaration form.
- Valid Bonafide certificate.
- Bank passbook or bank account details.
If you are not sure about your Labour Welfare Fund account number, contact your factory or establishment office for help.
References
For official updates and to apply, visit the Sanman Portal or go directly to the GLWB scheme page on the Sanman Portal.
FAQ's
Who launched the Home Loan Interest Subsidy Scheme- Gujarat Labour Welfare Board?
The Gujarat Labour Welfare Board, under the Labour, Skill Development & Employment Department of the Government of Gujarat, launched this scheme.
What is the amount of interest subsidy available?
Eligible workers receive a 3% interest subsidy on their home loan, subject to the limits of the scheme.
What are the loan limits for this subsidy?
The subsidy is calculated on a maximum loan of ₹15 lakh, provided the house price is within ₹30 lakh.
How will I receive the financial support?
The subsidy amount is transferred directly to your bank account through Direct Benefit Transfer (DBT).
Who qualifies for this subsidy?
Workers employed in the organized sector in Gujarat who have at least one year of continuous service and regular Labour Welfare Fund contributions are eligible.
What is the minimum loan term required?
Your home loan must have a repayment tenure of 15 years or more to qualify.
Which banks are accepted for this loan?
The loan can be taken from any nationalized bank, scheduled bank, or recognized NBFC.
Is there a deadline to apply?
Yes, you should apply within one year of the date mentioned on your house purchase document.
How can I apply for this subsidy?
You can apply online by visiting the official Sanman Portal at sanman.gujarat.gov.in.