Manipur Building and Other Construction Workers’ Welfare Board has launched Loans and Advances for Construction of a House to help registered construction workers build their own homes. The scheme offers loans up to ₹2,00,000 at a simple interest rate of 5% with a 5-year repayment window. Workers need an active labour card and must submit a surety bond to apply.
The Board operates under the Labour and Employment Department, Government of Manipur. Its office is located inside the Office of the Deputy Commissioner, Imphal West. The Deputy Labour Commissioner serves as the Chief Executive Officer and Member Secretary of the Board.
Loans and Advances for Construction of a House – Overview
This scheme provides financial support to registered building workers in Manipur for constructing a house. The loan amount depends on your skill category. Unskilled workers can get ₹1,00,000, semi-skilled workers get ₹1,50,000, and skilled workers get ₹2,00,000. The interest is fixed at 5% per year on a simple interest basis. You have 5 years to repay through monthly instalments as decided by the Board.
A completion certificate must be submitted to the Board within six months of receiving the loan. If you fail to do so, the Board may take legal action. You also need to execute a surety bond in the format prescribed by the Board before the loan is disbursed.
Benefits
The loan amount varies based on your verified skill level. The Board classifies workers into three categories and the maximum loan for each is fixed.
| Skill Level | Loan Amount |
|---|---|
| Unskilled Labour | ₹1,00,000 |
| Semi-Skilled Labour | ₹1,50,000 |
| Skilled Labour | ₹2,00,000 |
The interest rate stays at 5% simple interest per annum for all categories. Repayment is spread over 5 years through monthly instalments. The Board decides the exact instalment amount at the time of sanction.
Eligibility
To apply, you must meet all the following conditions:
- You must be a registered construction worker under the Manipur Building and Other Construction Workers’ Welfare Board
- You should hold an active and valid labour card issued by the Board
- You must be willing to execute a formal surety bond for the loan amount as prescribed by the Board
The registration requires you to be between 18 and 60 years of age. You should have worked in building or other construction work for at least 90 days in the preceding 12 months. You also need to be a permanent resident of Manipur and make regular contributions to the Welfare Fund.
Application Process
STEP 1 – Go to the office of the Manipur Building and Other Construction Workers’ Welfare Board during working hours to collect the application form. You can also download the form from the official website.
STEP 2 – Fill out the application form with accurate details. Attach all required documents. Self-attest the copies wherever needed.
STEP 3 – Submit the completed application with documents to the concerned Labour Board Inspector.
STEP 4 – Collect a signed acknowledgement receipt from the inspector. Keep this receipt safe as proof of submission.
STEP 5 – After the loan is disbursed, submit the house completion certificate to the Board within six months. Also submit the surety bond in the prescribed format.
| Detail | Information |
|---|---|
| Scheme Name | Loans and Advances for Construction of a House |
| Launched By | Manipur Building and Other Construction Workers’ Welfare Board |
| State | Manipur |
| Beneficiaries | Registered construction workers |
| Loan Amount | ₹1,00,000 to ₹2,00,000 based on skill level |
| Interest Rate | 5% simple interest per annum |
| Repayment Period | 5 years |
| Application Mode | Offline |
| Official Website | manipurbcwb.in |
| Helpline Numbers | 8787-858-091, 8794-518-061, 8575-123-588, 7005-894-300, 7085-583-226, 7005-584-860 (10 AM – 4 PM) |
| Board Office | Office of Deputy Commissioner, Imphal West, Manipur |
Documents
Keep these documents ready before you apply:
- Certificate of Registration issued by the Board
- Latest payment receipt of your monthly contribution
- Detailed estimated cost copy for the house construction
- Sanction order copy if applicable
- Aadhaar card of the applicant
- Copy of the first page of your bank passbook
References
Official scheme guidelines on MBOCWWB website
FAQ’s
What is the maximum loan amount under this scheme?
You can get up to ₹2,00,000 if you are a skilled worker. Semi-skilled workers get ₹1,50,000 and unskilled workers get ₹1,00,000.
What is the interest rate on the loan?
The loan carries a simple interest rate of 5% per annum.
Who can apply for this construction loan?
Any registered building worker with an active labour card under the Manipur BOCW Welfare Board can apply.
How long do I have to repay the loan?
You get 5 years to repay the loan through monthly instalments fixed by the Board.
What happens if I do not repay the loan?
The Board may initiate legal action against you if you fail to follow the loan conditions.
What documents do I need for the application?
You need a valid labour card, registration certificate, contribution receipt, construction cost estimate, Aadhaar card, bank passbook copy, and the surety bond.
Is there a deadline for submitting the completion certificate?
Yes, you must submit the completion certificate within six months from the date you receive the loan.
How is my skill level decided for the loan amount?
The Board verifies your skill level as unskilled, semi-skilled, or skilled labour. The loan amount is fixed for each category.
How do I apply for the loan?
Submit the filled application form with all documents and the surety bond to the local Labour Board Inspector.
What is the purpose of the surety bond?
The surety bond is a legal guarantee for repayment of the loan amount.
When does repayment start?
Repayment begins as per the instalment schedule given by the Board after the loan is disbursed.
Where is the Board office located?
The Board office is inside the Office of the Deputy Commissioner, Imphal West, Manipur.
Is there any helpline for queries?
Yes, you can call 8787-858-091, 8794-518-061, 8575-123-588, 7005-894-300, 7085-583-226, or 7005-584-860 between 10 AM and 4 PM.