To promote entrepreneurship and economic resilience among construction laborers, the Government of Rajasthan has launched the “Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana” (Interest Reimbursement Scheme for Construction Workers). This welfare initiative provides financial relief by reimbursing the interest on commercial loans taken by registered construction workers for business-related purposes.
The scheme is aimed at reducing the debt burden on the working class and supporting their aspirations to start or sustain small businesses. It recognizes the critical role of construction workers in building national infrastructure and seeks to improve their livelihood through direct financial assistance.
Highlights of Loan Support for Construction Workers in Rajasthan
• Scheme Name: Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana
• State: Rajasthan
• Department: BOCW Welfare Board
• Target Beneficiaries: Registered construction workers and their spouses
• Maximum Loan Amount Covered: ₹5,00,000
• Support Type: Interest reimbursement on eligible business loans
• Mode of Application: Online via SSO Rajasthan Portal
Key Benefits of the Scheme
• Interest reimbursement on commercial/business loans up to ₹5,00,000
• Financial assistance is provided yearly based on proof of interest paid
• Promotes entrepreneurship and economic independence among laborers
• Reduces overall loan repayment burden on low-income construction workers
Eligibility Criteria
To apply for this scheme, the following conditions must be fulfilled;
• Applicant must be a registered construction worker with the Labour Welfare Board
• Applicant must be regularly contributing to the board
• The loan should be taken out for own business use only
• Loan must not be used for the purchase of a shop, plot, vehicle, or household goods
• The spouse of the applicant can also avail the scheme, but only one at a time
• An annual certificate of repayment intention must be submitted to the financial institution
• False claims will result in full repayment of the assistance with interest
How to Apply – Online Process
Step 1: Registration on SSO Portal
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Visit the official SSO Rajasthan portal
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Click on “Register”
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Choose from the options:
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Jan Aadhaar: Enter number, verify OTP, select member, complete registration
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Google (Gmail): Login, set password, verify mobile, get SSO ID
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Submit your registration
Step 2: Apply for the Scheme
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Log in using your SSO ID
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On the dashboard, click “LDMS”
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Select “Welfare Schemes” > BOCW Welfare Board
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Click on “Apply for Scheme”
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Choose “Vyavsayik Rin Par Byaj ki Punarbharan Yojana”
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Fill out all required information
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Upload the necessary documents
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Submit the application
Necessary Documents for Application
• Duly filled application form with self-attested copies
• Loan sanction certificate from the bank or financial institution
• Proof of interest paid during the financial year
• Aadhaar and Jan Aadhaar card copies of the applicant
• Bank passbook’s first page (with name, account no, IFSC)
• Self-declaration from spouse (no loan availed from other institutions)
Frequently Asked Questions (FAQs)
Q: Who can apply for the interest reimbursement scheme?
A: Only registered construction workers with the Rajasthan Labour Welfare Board who are actively contributing can apply.
Q: What is the maximum loan amount covered under this scheme?
A: The government reimburses interest on business loans up to ₹5,00,000.
Q: Can I use this loan for purchasing a vehicle or household items?
A: No, the loan must strictly be used for running or starting your own business.
Q: Can both husband and wife apply for this scheme?
A: The scheme applies only to one registered beneficiary or their spouse at a time.
Q: How do I prove that I paid the interest on the loan?
A: You must submit proof from the bank showing the interest amount paid during the year.
Q: What happens if I provide false information in my application?
A: You will be required to repay the full assistance with interest in a lump sum if any information is found to be false.
References & Useful Links
• SSO Rajasthan Portal
• Official Guidelines by BOCW Welfare Board, Rajasthan Labour Department
• Application Details as per the Rajasthan Labour Portal
