The Housing Assistance Scheme, implemented by the Uttarakhand Building and Other Construction Workers’ Welfare Board (UKBOCWWB) under the Labour Department, Government of Uttarakhand, aims to provide financial support to registered construction workers for purchasing or constructing a house. This scheme is designed to improve the living conditions of construction workers by offering an advance loan with affordable interest rates, subject to specific eligibility criteria.
Key Features of the Scheme
- Loan Amount: Up to ₹50,000/-
- Interest Rate: 5% per annum
- Purpose: Purchase or construction of a house
- Eligibility Period: The applicant must have been a member of the fund for at least five years and have at least 15 years remaining until retirement.
This initiative ensures that construction workers, who often face financial instability, can access housing assistance while continuing their contributions to the state’s infrastructure development.
Who Can Apply?
To be eligible for the Housing Assistance Scheme, applicants must meet the following criteria;
- Residency: The applicant must be a resident of Uttarakhand.
- Occupation: Engaged in building or construction work.
- Registration: Must be registered under the Uttarakhand Building and Other Construction Workers’ Welfare Board (UKBOCWWB).
- Membership: Should have been a member of the fund for at least five years.
- Age Criteria: Should have at least 15 years remaining before reaching the age of superannuation/retirement.
How to Apply?
The application process involves two stages: registration under UKBOCWWB and applying for the Housing Assistance Scheme benefits. Both processes are conducted online via Common Service Centers (CSCs).
Stage 1: New Registration under UKBOCWWB
- Eligibility Check: Ensure you meet the eligibility criteria: aged between 18 and 60 years, and worked as a construction worker for at least 90 days in the preceding year.
- Visit CSC: Go to the nearest Jan Seva Kendra or Shramik Suvidha Kendra with all required documents.
- Submit Application: Provide the necessary details and upload the required documents for registration.
- Receive Registration Number: Upon successful submission, you will receive a unique registration number for future reference.
- Track Status: Monitor your application status online through the official website: Track Your Registration.
Note: After verification, a photo identity card will be issued. The registration is free for the first three years, after which a nominal fee of ₹100/- is required for renewal every three years.
Stage 2: Applying for Housing Assistance Benefits
- Visit CSC: Once registered, visit the nearest Shram Suvidha Kendra with all relevant documents.
- Submit Application: Fill out the application form for the Housing Assistance Scheme and attach the required documents.
- Receive Application Number: Upon successful submission, you will receive a unique application number.
- Track Status: Monitor your application status online through the official website.
List of Required Documents
For New Registration:
- Two passport-sized photographs
- Proof of age (e.g., Aadhaar Card, Birth Certificate)
- Certificate of working as a construction worker for at least 90 days in the previous year
- Affidavit of being a construction worker, attested by a notary
- Voter ID card
- Ration card
- Self-declaration certificate
- Identity proof of nominee (Aadhaar Card)
- Bank account details
- Any other document as required
For Welfare Scheme Application:
- Self-attested copy of Registration ID Card/Labour Card
- Copy of Aadhaar Card
- Self-declaration certificate
- Bank account details (copy of the first page of the passbook)
- Handwritten certificate stating that the applicant has neither received such assistance nor applied for it from any other department
- Any other document as required
Benefits of the Scheme
- Financial Support: Provides an advance loan of up to ₹50,000/- for purchasing or constructing a house.
- Affordable Interest Rates: Attractive interest rate of 5% per annum.
- Improved Living Conditions: Helps construction workers secure stable housing, improving their quality of life.
- Simplified Process: Online application process via CSCs ensures accessibility and transparency.
Frequently Asked Questions (FAQs)
Q1. Who is eligible for the Housing Assistance Scheme?
- Registered construction workers who have been members of the UKBOCWWB for at least five years and have at least 15 years remaining until retirement are eligible.
Q2. What is the maximum loan amount available?
- The maximum loan amount available under this scheme is ₹50,000/-.
Q3. Is there any interest in the loan?
- Yes, the loan carries an interest rate of 5% per annum.
Q4. Can I apply if I am not registered under UKBOCWWB?
- No, only registered construction workers under the UKBOCWWB are eligible for this scheme. You must complete the registration process first.
Q5. How long does it take to process the application?
- The processing time may vary depending on the completeness of the application and document verification. Applicants can track their application status online.
Q6. Can I use the loan for purposes other than housing?
- No, the loan must be used exclusively for purchasing or constructing a house. Misuse of funds may lead to penalties or legal action.
Q7. What happens if I fail to repay the loan?
- Failure to repay the loan on time may result in additional interest charges or impact your credit score. It is recommended to adhere to the repayment schedule.
Conclusion
The Housing Assistance Scheme by the Uttarakhand Building and Other Construction Workers’ Welfare Board is a commendable initiative aimed at improving the living standards of construction workers in the state. By providing affordable loans for housing, the scheme not only addresses the financial challenges faced by workers but also contributes to their overall well-being.
If you are a registered construction worker in Uttarakhand and need financial assistance for housing, this scheme offers a valuable opportunity to secure funding. Don’t miss out—apply today!
Sources and References
- Official Website of UKBOCWWB: Click Here
- Scheme Details (Page No. 54): Download PDF
- Track Your Registration Status: Click Here
- Track Your Scheme Application Status: Click Here
For further assistance, visit the nearest CSC or contact the UKBOCWWB office.
