“Gujarat’s Housing Subsidy Scheme, launched by the Gujarat Building and Other Construction Workers Welfare Board, offers ₹1.5 lakh over five years to registered construction workers to build or buy homes. Aimed at providing financial relief and social stability, the scheme supports workers with loans up to ₹15 lakh, enhancing their economic security.”
Gujarat Rolls Out Housing Subsidy for Construction Workers
The Gujarat Building and Other Construction Workers Welfare Board (GBOCWWB) has introduced a transformative Housing Subsidy Scheme to empower registered construction workers in the state. Launched in 2021-22, the initiative provides financial assistance of ₹1.5 lakh, disbursed as ₹30,000 annually over five years, to help workers construct or purchase their own homes. This scheme, detailed on the government’s MyScheme portal, targets workers registered with the GBOCWWB for at least two years, ensuring long-term commitment to the sector.
Eligibility criteria are stringent yet inclusive. Workers must have registered with the board for a minimum of two years at the time of application, and the house must be purchased or constructed after the scheme’s resolution date of June 29, 2020. Additionally, the housing loan must not exceed ₹15 lakh, with a repayment tenure of at least 10 years. Applicants are required to submit an affidavit confirming that neither they nor their spouse or joint family members own any other property, ensuring the benefits reach those in genuine need. Applications must be filed within one year of the house purchase document date, with annual proposals submitted at the district office of the BOCW Board for continued disbursal of funds.
The scheme is a significant step toward addressing the housing challenges faced by construction workers, a critical yet often underserved segment of Gujarat’s workforce. By subsidizing housing loans, the initiative not only eases financial burdens but also promotes social and economic stability. Workers can access the scheme by visiting their district BOCW Board office, where detailed guidelines and application processes are available.
This initiative aligns with broader housing efforts in Gujarat, including projects under the Gujarat Housing Board (GHB) and the Pradhan Mantri Awas Yojana (PMAY). In 2025, GHB announced plans to develop 868 residential units in Navsari, Surat, for middle-income groups, alongside 80 units in Jetpur, Rajkot, though these projects remain in the planning stage. Meanwhile, PMAY continues to support affordable housing, with Prime Minister Narendra Modi expected to launch 22,000 homes worth ₹1,006 crore in Gujarat on May 26-27, 2025. These combined efforts underscore Gujarat’s commitment to improving living conditions for its residents, particularly those in economically vulnerable sectors.
The Housing Subsidy Scheme has been lauded for its targeted approach. By focusing on construction workers, the government acknowledges their role in building Gujarat’s infrastructure while addressing their housing insecurities. The annual disbursal mechanism ensures sustained support, allowing workers to plan their finances effectively. However, challenges such as timely application processing and awareness about the scheme’s requirements remain areas for improvement, as reported by local stakeholders.
Disclaimer: This article is based on information from government sources, including MyScheme.gov.in and news reports from platforms like MagicBricks and BankBazaar. Data is accurate as of July 6, 2025, and subject to updates from official channels. Readers are advised to verify eligibility and application details with the Gujarat Building and Other Construction Workers Welfare Board.