Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana (₹5L) — Frequently Asked Questions

The Board reimburses the interest charged on a commercial business loan of up to ₹5,00,000. The relief is released as a subsidy — cash support that reduces what the worker pays in interest — and it is not a fresh loan that has to be repaid.

You need to be a construction worker registered with the Rajasthan Building and Other Construction Workers Welfare Board and you should be depositing your contributions regularly. The loan you are claiming relief on must also have been used for your own business work.

No. The scheme has a rolling, always-open deadline, so applications are accepted through the year as long as you meet the eligibility conditions.

The loan has to be utilised exclusively for the applicant's own business work. It cannot be used for buying a shop, a plot, a vehicle or household goods.

Yes. The scheme applies to only one loan at a time taken by the registered beneficiary, and that loan may be one taken by the beneficiary's spouse (wife or husband).

No. This is a subsidy, not an investment. The Board reimburses interest as cash support and does not take any equity or ownership stake in the worker's business.

No. This is a construction-worker welfare scheme, and the qualifying registration is as a construction worker with the Rajasthan Building and Other Construction Workers Welfare Board. Recognitions such as DPIIT startup status or Udyam/MSME registration are not part of the eligibility conditions.

The scheme requires an annual certificate of intention to repay interest, which has to be submitted to the financial institution. You fill in the relevant details in the online application form, and the Board then verifies your registration status, your contribution record and how the business loan was used, along with the supporting documents you provide.

Everything is done online. Create an SSO ID on the Rajasthan SSO portal — either with your Jan Aadhaar number verified by OTP, or through Google by entering your Gmail ID, setting a password and adding a mobile number. After signing in, open the LDMS (Labour Department Management System) option from the dashboard, go to 'Welfare Schemes' in the side menu and select 'BOCW Welfare Board'. Click 'Apply for Scheme', choose this Yojana from the Rajasthan Shramik Card scheme list, fill in all the relevant details accurately, review the form and submit it.

If any information given in the application is found to be false, the beneficiary becomes responsible for returning the entire sanctioned assistance amount, along with accrued interest, in a lump sum to the Board.

Nirman Shramikon ke Liye Vyavsayik Rin Par Byaj ki Punarbharan Yojana (₹5L) is offered by Rajasthan Building and Other Construction Workers Welfare Board, a government body. It is provided as non-dilutive funding.