Housing Subsidy Scheme (GBOCWWB) - Gujarat

The Housing Subsidy Scheme is a subsidy programme by the Gujarat Building and Other Construction Workers Welfare Board (GBOCWWB).

 

Construction workers often face financial difficulties in securing a stable home due to irregular income and high property prices. GBOCWWB has hence introduced the Housing Subsidy Scheme to support such registered construction workers in owning a home.

 

The scheme provides financial assistance to help construction workers purchase or construct a house, reducing their dependence on high-interest loans. The scheme subsidises housing loan repayments, making homeownership more affordable and accessible for workers in the construction sector.

Housing Subsidy Scheme comes with several benefits including helping the individual with financial support in the form of subsidy and reducing their debt burden. 

 

Here are some of the key benefits of the scheme:

• Workers can receive a total subsidy of ₹1.5 Lakhs spread over 5 years

• Of the total subsidy, ₹30,000 is disbursed annually to support workers with the loan repayment

• Individuals who have taken home loans of up to ₹15 Lakhs can benefit from the scheme

• The scheme supports the workers with loans that have a tenure of 10 years or more

• Helps the person secure stable housing for their families

• Reduces financial burden, improving their overall quality of life

To qualify for the Housing Subsidy Scheme under GBOCWWB, construction workers must meet the following criteria:

• The applicant must be a registered construction worker with GBOCWWB for at least 2 years

• The house must have been purchased after 29th June 2020, as per the scheme resolution

• The housing loan should not exceed ₹15 Lakhs

• Neither the worker nor their spouse/joint family members should own any other house or property

• Applications must be submitted within 1 year of purchasing the house

• Workers must submit a written proposal every year, along with a loan interest certificate, to continue receiving financial assistance

The e-Nirman Card is a digital identity card for construction workers in Gujarat, issued by the Gujarat Building and Other Construction Workers' Welfare Board. It serves as proof of registration and allows workers to access various government welfare schemes. Workers can apply for the card through the e-Nirman portal by submitting personal and employment details.

 

Construction workers must submit the following documents to apply for an e-Nirman Card:

• Recent passport-sized photograph

• Aadhaar Card

• Ration Card

• Caste Certificate (if applicable)

• Proof of Age (Birth Certificate, PAN Card, etc.)

• Self-declaration Certificate

• Employer Certificate

• Bank Passbook or Cancelled Cheque

To get benefits under the Housing Subsidy Scheme, workers must submit the following documents:

• e-Nirman Card

• Loan Sanction Letter

• Annual Loan Statement or Interest Certificate

• Identity Card (Red Book) issued by GBOCWWB

• Aadhaar Card

• House Purchase Document

• Housing Loan Passbook/Statement

• Affidavit Declaring Non-ownership of any other property

Applying for the Housing Subsidy Scheme involves 2 main steps - registering for an e-Nirman Card and applying for the subsidy. 

 

Here is the step-by-step guide to complete both processes:

Application Process for ‘e-Nirman Card’ under the GBOCWWB

Construction workers must register for an e-Nirman Card before applying for the housing subsidy. 

 

Follow these steps to complete the registration:

 

1.Visit the official page of the e-Nirman portal https://enirmanbocw.gujarat.gov.in/ 

 

 

2.Click on 'Please Register Here' under the login section

 

 

3.Enter the required details, such as name, Aadhaar number, contact details, and more

 

 

4.Once the registration is completed, use your credentials to login to account

5.Follow the instructions as prompted

Application Process for Scheme Benefits

Once registered with e-Nirman, follow these steps to apply for the Housing Subsidy Scheme:

 

1.Visit the official website of Sanman Portal https://sanman.gujarat.gov.in/ 

 

 

2.Click on 'Please Register Here!'

 

 

3.Register using your Aadhaar number and e-Nirman Card details

 

 

4.Log in and select 'Housing Subsidy Scheme' from the available options

5.Enter the required details, including your loan information

6.Upload the necessary documents

7.Submit your application

8.Save the application number or confirmation email for tracking purposes

Process to Track Application Status

You can check the status of your application through the e-Nirman Portal:

 

1.Visit the official page of the e-Nirman Portal https://enirmanbocw.gujarat.gov.in/

 

 

2.Click on 'View Citizen Application Status'

 

 

3.Provide your application number and date of birth

 

 

4.Click on 'View Status' to check the current status

 

Eligible construction workers who prefer an offline application process can apply for the scheme by submitting their forms at designated offices. 

 

Follow the step-by-step guide below:

Application Process

1. Visit the nearest District Labour Office or GBOCWWB office

2. Request the Housing Subsidy Scheme application form

3. Fill out the application form in detail 

4. Provide accurate personal details, including your e-Nirman Card number

5. Enter loan details such as loan amount, lender details, and tenure

6. Attach mandatory documents like Aadhaar Card, house purchase documents, and bank passbook

7. Submit the completed form along with the required documents at the District Labour Office

8. Collect the acknowledgment receipt for tracking purposes

Post Application Process

Once the application is submitted, it undergoes a multi-level verification before approval and disbursement of funds.

 

Here is the process:

1. The District Labour Office verifies the submitted documents and application details

2. If any discrepancies are found, the applicant may be asked for additional documents or clarifications

3. Verified applications are forwarded to the State Project Manager for further review

4. The application is then sent to the Government Labour Officer (GLO) for final assessment

5. The Member Secretary grants the final approval

 

Once approved, the subsidy amount is processed through demand drafts and disbursed to the beneficiary’s bank account.