Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana is a Rajasthan state scheme that helps registered construction workers by reimbursing the interest they pay on business loans. The Labour Department runs this program so that workers who have been making regular contributions can get financial help. In 2026, the scheme is still active and workers can apply through the online portal to get interest paid back on loans up to ₹5,00,000.
Registered construction workers across Rajasthan facing money problems can use this scheme to reduce the cost of borrowing. The BOCW Welfare Board processes reimbursement requests after verifying that the loan was taken for business use only. This helps workers who want to start small businesses or buy tools and equipment for their work without being held back by heavy interest costs.
Scheme Overview
The Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana is a state-level program under the Rajasthan Building and Other Construction Workers Welfare Board. It is managed by the Labour Department and follows the rules of the Building and Other Construction Workers Act, 1996. The board collects regular contributions from registered workers and uses the fund to pay back interest on their business loans. The application for reimbursement is open throughout the year and workers can apply online through the BOCW portal.
Highlights
| Detail | Information |
|---|---|
| Scheme Name | Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana |
| Level | State |
| Category | Banking, Financial Services |
| Benefit Type | Cash Reimbursement |
| DBT Scheme | No |
| Beneficiary State | Rajasthan |
| Nodal Department | Labour Department |
| Maximum Loan Amount | ₹5,00,000 |
| Application Mode | Online via LDMS Portal |
| Status | Running 2026 |
Here are the main details about the scheme at a glance. The highlights table above covers the key points including the maximum loan limit and how to apply through the LDMS portal.
Benefits
This scheme helps construction workers pay back the interest on their business loans. Workers can get interest reimbursement on loans up to ₹5,00,000 taken from banks or recognized institutions. The loan must be for business use like buying tools or machinery, not for buying a shop, plot, vehicle or household goods. If you are a registered worker, this support helps cut down the cost of borrowing and gives you a better chance at growing your small business. You can also look into the Nirman Shramik Auzaar Toolkit Sahayata Yojana for getting tool kits to support your work.
Eligibility
To be eligible for this scheme, you need to meet some conditions set by the BOCW Welfare Board. Only those who qualify should apply:
- You must be a construction worker registered with the Rajasthan BOCW Welfare Board and paying regular contributions.
- The loan must be taken for your own business activities, not for buying a shop, plot, vehicle or household items.
- Only one person at a time can get the benefit – either you or your spouse, not both together.
Workers who are not registered with the board or have unpaid contributions will not be eligible. Also, if you have taken a loan from a friend or family without a formal bank approval, that will not qualify for reimbursement under the scheme rules.
Required Documents
Keep the following documents ready before you start the application process so there are no delays:
- A fully filled application form signed by yourself and your spouse.
- Loan sanction letter from the bank or recognized institution.
- Proof of interest paid during the financial year.
- Copy of your Aadhaar Card and Jan Aadhaar Card.
- First page of your savings bank passbook showing name, account number, and IFSC code.
- A self-declaration from your spouse confirming no other loan is pending with any institution.
You will also need a passport-sized photograph and a working mobile number with an email address for communication.
Steps to Apply
STEP 1 – Visit the Labour Department Management System at ldms.rajasthan.gov.in and select your preferred language from the option on the homepage.
STEP 2 – Choose Citizen User as your login type and either register a new account or sign in using your existing account.
STEP 3 – After signing in, go to the Welfare Schemes section and select the BOCW Welfare Board from the menu options.
STEP 4 – Click on Apply for Scheme and find Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana from the list of available schemes.
STEP 5 – Fill in all the required details in the application form carefully and upload the necessary documents like loan sanction letter, interest payment receipts and ID proof.
STEP 6 – Submit your application online. The local labour office or BOCWWB office will review your documents and after approval, the reimbursement amount is credited to your bank account.
You can apply any time during the year as the application window stays open throughout. Make sure your BOCW registration is active and your contributions are up to date before you submit the application. The board processes requests and sends the reimbursement to your bank account once the checking is complete.
References
Official Guidelines (PDF) | Rajasthan Labour Department | LDMS Portal | myScheme Listing
FAQ’s
What is the primary objective of this scheme?
The scheme helps registered construction workers by reimbursing the interest paid on business loans up to ₹5,00,000, reducing their money problems and supporting small business growth.
What is the maximum loan amount eligible for reimbursement?
The BOCW Welfare Board provides interest reimbursement on loans up to ₹5,00,000 taken from banks or recognized institutions.
Can I use the loan to buy a shop or vehicle?
No, the loan must be used only for business purposes. Shop, plot, vehicle and household goods are not covered under the scheme rules.
Is there any application fee for this scheme?
No, there is no application fee for applying to the Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana.
Can workers outside Rajasthan apply?
No, this scheme is specifically for construction workers who are registered in Rajasthan with the BOCW Welfare Board.
What happens if I provide wrong information in my application?
If any details are found to be false, you will have to return the full approved amount along with the interest in a lump sum payment.
When can I apply for interest reimbursement?
You can apply throughout the year. The reimbursement is processed after you have paid at least one instalment of interest on your business loan through the LDMS portal.