APH(HBOCWWB)

Assistance for Purchase of House (HBOCWWB)

6.0/10

Under this scheme, interest free loan is provided to registered construction workers, who have minimum five year’s regular membership, for purchase or construction of their houses. This facility is available once in lifetime.

State Cash

States / UT: Haryana

Nodal department: Labour Department

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Categories: Housing & Shelter, Banking,Financial Services and Insurance

Sub-categories: Loan, Housing

Target beneficiaries: Individual

Tags: House, Building Worker, Construction Worker, Labour, Loan, Interest Free

Details

The scheme “Assistance for Purchase of House” is implemented by the Haryana Building and Other Construction Workers Welfare Board (HBOCWWB), Labour Department, Government of Haryana. Under this scheme, interest free loan is provided to registered construction workers, who have minimum five year’s regular membership, for purchase or construction of their houses. This facility is available once in lifetime.

Benefits

  • 1. Under this scheme an interest-free loan of up to ₹2 00 000/- is provided to registered construction workers for the purchase or construction of their houses. Note: The Board will provide financial assistance in the shape of interest compensation upto ₹1 00 000/- through banks to the construction workers who are beneficiaries of Pradhan Mantri Awaas Yojana for the construction of a house
  1. Under this scheme, an interest-free loan of up to ₹2,00,000/- is provided to registered construction workers for the purchase or construction of their houses.

Note: The Board will provide financial assistance in the shape of interest compensation upto ₹1,00,000/- through banks to the construction workers, who are beneficiaries of Pradhan Mantri Awaas Yojana for the construction of a house.

Eligibility

  • The applicant should be registered under the Haryana Building & Other Construction Workers Welfare Board.
  • The registered worker should have regular membership for at least 5 years and 8 years are left to attain the age of 60 years.
  • The maximum age of the worker should be 52 years. So that he/she can repay the loan in the next 8 years.
  • This facility will be available once in a lifetime.
  • The application frequency is limited to once.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.0
/ 10
Public Benefit Score
Accessibility 6.0/10 Moderate
Rural usefulness 3.0/10 Challenging
Application complexity 5.5/10 Moderate
Financial impact 9.0/10 Good
Literacy barrier 5.0/10 Moderate
Women inclusivity 6.0/10 Moderate
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility6.0
  • Financial impact9.0
  • Rural utility3.0
  • Awareness4.5
  • Simplicity4.5
  • Inclusivity6.0

What problem does this scheme solve?

The scheme provides interest-free loans to registered construction workers for housing, addressing a critical need for affordable housing.

Key challenges addressed

  • Access to affordable housing for construction workers

Most beneficial for

  • Registered construction workers in Haryana

Likely challenges

  • Strict eligibility criteria and application complexity

Practical insights for citizens

The scheme may be challenging for semi-literate and rural workers due to digital barriers.

Rural challenges

  • Limited internet access in rural areas
  • Lack of awareness among rural workers

Digital challenges

  • Dependence on digital platforms for application
  • Need for Aadhaar and Family ID

Implementation bottlenecks

  • Complex eligibility criteria
  • Verification delays

Awareness challenges

  • Low awareness among potential beneficiaries

Application analysis

Application mode
Online portal
Documents burden
Minimal, requires Aadhaar and Family ID
Verification complexity
Moderate, involves multiple verification steps
Office dependency
Low, primarily online
DBT dependency
No direct benefit transfer dependency
CSC support
Limited
Estimated citizen effort
High due to multiple steps and online processes

Estimated beneficiary reach

  • Rural / urban reach Moderate
  • Gender reach Moderate
  • Target income group Low-income construction workers
  • Occupation reach Construction workers

Benefit analysis

Benefit type
Cash
Benefit frequency
Once in a lifetime
Benefit practicality
Practical for eligible workers but limited by strict criteria
Financial meaningfulness
Moderately meaningful due to the loan amount
Long-term impact
Potentially significant if beneficiaries can secure housing

Plain-language guidance

This scheme offers interest-free loans to registered construction workers in Haryana for buying or building homes. It is available only once in a lifetime.

Who should apply
Registered construction workers with at least five years of membership.
Who may struggle
Semi-literate individuals and those unfamiliar with online processes.
Best application route
Apply via the Antyodaya-SARAL Portal with Aadhaar.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Online

Registration of a Construction Worker Under HBOCWWB:

Step 01: The construction worker should visit the Official Website of the Labour Department Haryana.
Step 02: On the home page, click on the “Building & Ors Const. Workers Welfare Board” link.
Step 03: Applicant has to read all the instructions and then “Tick” the acknowledgment, then click on the “Submit” button.
Step 04: Verification using Parivar Pehchan Patra (PPP)- Family ID:
a) Forget/not having Family ID: If you do not have a PPP ID or forget the PPP ID, then you have to select that radio button and you are redirected to the PPP Portal to get their PPP ID.
b) Having a Family ID: If you have a family ID, then only you can move to the next step for registration. To proceed further, follow the given steps:
• Select the “I have family ID” radio button
• Enter Parivar Pehchan Patra number - Family ID
• Click on “Fetch Family Details” which displays the family members registered under the given Family ID
• Select a family member for registration
• Enter the OTP that is being sent to the selected family member for verification
• Click on “Click to Verify”
Step 05: Aadhaar Verification before Registration: Provide your Aadhaar number and tick mark the checkbox for the declaration. Click on the “Continue” button.
Step 06: After verification, fill out the complete registration form and submit the form.
Step 07: Login into the account: After the final submission of the registration form, a worker can login into his/her account using their username and password but unable to avail of any benefit.
Step 08: To avail of the benefits, a worker has to pay the registration fee and add a work experience of a minimum of 90 days of the preceding year.
Step 09: Now, the worker needs to add work experience, to add 90 days of experience, the applicant has to fill in all the details where he/she has worked.
Step 10: The schemes and other benefits can be availed once the 90 days’ work experience is approved by the Officer.

Apply for Scheme: Registration Process on Antyodaya-SARAL Portal:

Step 01: To avail of the benefits of the scheme, the applicant needs to visit the Official Portal -Antyodaya-SARAL Portal
Step 02: If the applicant is not registered on the portal, then he/she gets registered on the portal.
Step 03: For registration, click on “New User/Register Here” and fill in all the mandatory details i.e. Name, Email ID, Mobile Number & password. Click on ‘Submit’.
Step 04: Applicants will receive the login ID on their mobile number.

Login to Apply for the Scheme:

Step 01: Visit the Official Portal -Antyodaya-SARAL Portal
Step 02: The “Sign in here” option is available on the right side of the screen. Applicant needs to fill in their credentials and click on the ‘Login’ button.
Step 03: In the opened window, click on “Scheme/Services list” and a list of schemes will appear on the screen.
Step 04: Now, select the scheme and click on “Apply for Service/Scheme”.
Step 05: Fill in all the details asked in the online application form and submit the application form.
HBOCW Registration User Manual HBOCW Registration Basic Instructions & Features

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What are the benefits of the scheme?

Registered construction workers can avail of interest-free loans of up to ₹2,00,000/- for the purchase or construction of their houses.

Is there any additional financial assistance available for beneficiaries of the Pradhan Mantri Awaas Yojana (PMAY)?

Yes, beneficiaries of PMAY can receive additional financial assistance in the form of interest compensation of up to ₹1,00,000/- through banks for house construction.

Who is eligible to apply for this scheme?

Applicants must be registered under the Haryana Building & Other Construction Workers Welfare Board and have regular membership for at least 5 years with 8 years left to attain the age of 60 years.

What is the maximum age limit for eligibility?

The maximum age of the worker should be 52 years to ensure repayment of the loan within the next 8 years.

How many times can a worker avail of this facility?

This facility is available once in a lifetime to registered construction workers.

How can a construction worker register under HBOCWWB?

Construction workers can register by visiting the Official Website of the Labour Department Haryana.

Where can applicants apply for the scheme?

Applicants can apply for the scheme through the Official Portal - Antyodaya-SARAL Portal.

What is the repayment period for the loan?

The loan must be repaid within 8 years from the date of disbursement.

Can applicants apply for the scheme multiple times?

No, the application frequency is limited to once per registered worker's lifetime.

Is there any provision for continuation of the loan after the death of the applicant?

No continuation after death.

Is there any registration fee required when registering under HBOCWWB?

Registration fee ₹25/- once in a life-time and ₹5/- per month (₹60/- P.A.) as subscription fee shall be paid to the Board by the beneficiary.

References

Official Website
https://hrylabour.gov.in/bocw/settings/schemeDetail/103
Scheme Details
https://kms.saralharyana.nic.in/ViewDoc?Id=71oM2xcBr9sPSlmvJbl70Q%3d%3d
Registration
https://hrylabour.gov.in/bocw/Basicinfo/bocw_terms
Online Application Portal
https://saralharyana.gov.in/

Apply

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Frequently asked questions

What is the purpose of Assistance for Purchase of House (HBOCWWB)?
Assistance for Purchase of House (HBOCWWB) is a government welfare initiative designed to support Individual, Individual through benefits related to Housing & Shelter, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Assistance for Purchase of House (HBOCWWB)?
Eligibility for Assistance for Purchase of House (HBOCWWB) may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Assistance for Purchase of House (HBOCWWB)?
Benefits under Assistance for Purchase of House (HBOCWWB) may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Assistance for Purchase of House (HBOCWWB)?
Assistance for Purchase of House (HBOCWWB) is managed by Labour Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Assistance for Purchase of House (HBOCWWB)?
Yes, eligible applicants may be able to apply online for Assistance for Purchase of House (HBOCWWB) through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Assistance for Purchase of House (HBOCWWB)?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Assistance for Purchase of House (HBOCWWB)?
Applications for Assistance for Purchase of House (HBOCWWB) may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Assistance for Purchase of House (HBOCWWB)?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is Assistance for Purchase of House (HBOCWWB) available in all states?
No, Assistance for Purchase of House (HBOCWWB) is primarily available for eligible residents of Haryana and may be implemented through state government departments and local administrative offices.
Can residents outside Haryana apply for Assistance for Purchase of House (HBOCWWB)?
Eligibility for Assistance for Purchase of House (HBOCWWB) is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
Does Assistance for Purchase of House (HBOCWWB) provide healthcare or insurance support?
Assistance for Purchase of House (HBOCWWB) may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Assistance for Purchase of House (HBOCWWB) at government hospitals?
Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Can CSC centres help users apply for Assistance for Purchase of House (HBOCWWB)?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Assistance for Purchase of House (HBOCWWB)?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Assistance for Purchase of House (HBOCWWB)?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Assistance for Purchase of House (HBOCWWB) in Haryana?
Users in Haryana may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Assistance for Purchase of House (HBOCWWB) applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.