Housing Subsidy Scheme (GBOCWWB)

Key facts

Benefit	₹1.5 lakh over 5 years
Who	Registered construction workers
How paid	₹30,000 annually
Implemented by	Gujarat Building and Other Construction Worker’s Welfare Board
Official portal	https://sanman.gujarat.gov.in/
Application window	Apply within one year of house purchase document

Benefits

Beneficiaries receive a total subsidy of ₹1,50,000 over five years, with ₹30,000 disbursed annually, provided they have taken a housing loan of up to ₹15 lakhs.

Who can apply

For: construction worker
not income tax payer
no government employee in family
poor household

This scheme is available to registered construction workers with the Gujarat Building and Other Construction Worker’s Welfare Board. Applicants must not be income tax payers, should not have any government employees in their family, and must belong to a poor household.

Who is not eligible

Income tax payers
Government employees in family

How to apply

Applications can be submitted online through the e-Nirman Portal or the Sanman Portal.

Visit the e-Nirman Portal at https://enirmanbocw.gujarat.gov.in/ and register.
Log in with your User ID and Password after registration.
Update your profile with the required details.
Select the 'Construction Works Form' and fill it out.
Upload the necessary documents and submit the form.
For scheme benefits, visit the Sanman Portal at https://sanman.gujarat.gov.in/ and register.
Fill out the application form for the scheme and submit it.

Apply on the official website ↗

Documents required

Photograph of the worker
Aadhaar Card
Ration Card
Caste Category certificate, if applicable
Proof of age (Birth certificate/Driving Licence/PAN Card/Voter ID Card)
Self-declaration certificate
Employer Certificate
Bank Passbook/cancelled Cheque
e-Nirman Card of the worker
Copy of Identity Card (Red Book) regarding enrollment in the Board
Copy of building document
Proof of taking a loan (loan sanction letter)
Annual Loan Statement/Annual Interest Certificate
Copy of Housing Loan Passbook/ Statement

Common problems and how to fix them

Problem	What to do
Application rejected	Ensure all required documents are submitted and eligibility criteria are met before reapplying.
Payment not received	Check if the application was submitted correctly and confirm the loan details with the bank.

Frequently asked questions

Who is eligible for the Housing Subsidy Scheme?

Eligibility is limited to registered construction workers who are not income tax payers and do not have government employees in their family.

What documents are required to apply for the scheme?

Applicants need to provide various documents including an Aadhaar Card, e-Nirman Card, proof of age, and loan documents among others.

How much financial assistance can a beneficiary receive?

Each beneficiary can receive a total of ₹1,50,000, distributed as ₹30,000 annually for five years.

Is there a limit on the housing loan amount for eligibility?

Yes, the housing loan taken by the worker should not exceed ₹15 lakhs.

What should a worker do if they want to continue receiving benefits after the first year?

The worker must submit a written proposal each year to the district office along with required documents to continue receiving assistance.

Can a worker apply if they already own a house?

No, the worker must not own any house or property in their name or jointly with their spouse.

Always confirm the latest details on the official portal before applying.