Work Tool Loan Scheme for Delhi Construction Workers — Up to ₹20,000 — Frequently Asked Questions

It is a work-tool loan run by the Delhi Building and Other Construction Workers Welfare Board (DBoCWWB), which sits under Delhi's Labour Department. Registered construction workers can borrow money in order to buy the tools their trade requires.

A sanctioned member can receive a loan amount of up to ₹20,000.

Yes. This is a loan, not a grant or a subsidy. The sanctioned amount is repaid over a maximum of 60 monthly instalments.

No. There is no equity, ownership stake or profit share involved. The scheme is a debt facility, so what you owe is repaid in instalments and nothing else is surrendered.

You must be a Delhi resident working as a building or construction worker, and for Board registration you need to be aged between 18 and 65 with at least 90 days of work/service to the Board in a given year. To apply for this loan specifically, you must have been registered with DBoCWWB for at least one year, must have remitted your contributions regularly, and must not be older than 55 years of age.

No. Applications are accepted on a rolling basis throughout the year, so there is no annual window you need to catch.

You apply online in two steps. First, register on the DBoCWWB website by clicking 'Register Now' and filling in your personal details — Aadhaar, name, mobile number, date of birth and gender — along with a password. You then add further details such as your father's and mother's names, a photograph and an applicant video, upload all mandatory documents in the specified formats, enter your work and workplace details including your previous or current employer and proof of 90 days of employment, optionally add family members, and provide bank account details with supporting documents. After verifying the 'Affidavit of the Applicant' and ticking the checkbox, you pay the online registration fee of ₹25 by debit card, internet banking or UPI, enter the OTP sent to your registered mobile number, and download the acknowledgement receipt. Once registered, return to the website, click 'Apply for Scheme' and log in using your Aadhaar number, registration card or OTP, then select and apply for the work tool loan scheme from the options listed.

You will need your Aadhaar card, address proof, birth proof and employment proof — including evidence of the 90 days of employment — along with your bank account details, a photograph and an applicant video. All documents must be uploaded in the formats the portal specifies.

Yes. Registration with the Board carries an online fee of ₹25, payable by debit card, internet banking or UPI. There is no separate application fee mentioned for the loan itself.

Applications are reviewed by the Board against the scheme's conditions — your registration status, whether your contributions have been paid regularly, and your age. You are advised to track your application status online on the DBoCWWB portal for updates on the evaluation and sanction process.

No. DPIIT (Startup India) recognition is not listed as a mandatory requirement for Work Tool Loan Scheme for Delhi Construction Workers — Up to ₹20,000, though having it can strengthen your application and unlock other benefits.

Work Tool Loan Scheme for Delhi Construction Workers — Up to ₹20,000 is offered by Delhi Building and Other Construction Workers Welfare Board, a government body. It is provided as non-dilutive funding.