Jai Shree Krishna, Radhe-Radhe 
, I’m planning to buy a home in Gujarat next year and heard that the government offers subsidies on home loans. However, I’m not sure how to apply for it or if I’m even eligible.
Do I need to register through a government portal, or should I contact my bank directly? Are there specific documents or criteria, like income limits or property types, that I need to meet? If anyone has availed this subsidy before, could you share your experience or tips? Also, are there any updates for 2025 that I should know about? Thanks in advance for your help!
The Home Loan Interest Subsidy Scheme by the Gujarat Labour Welfare Board is a great initiative for organized sector workers in Gujarat looking to buy their own house. This scheme offers a 3% interest subsidy on home loans, helping workers reduce their financial burden. If you’re interested in applying, here’s everything you need to know.
Who Can Apply? (Eligibility Criteria)
- The applicant must be employed in the organized sector in Gujarat.
- Must have worked continuously for at least one year with the same factory, company, or organization.
- Labour Welfare Fund contributions should be deposited in the board.
- The purchase price of the house should not exceed ₹30 lakh.
- The loan should be ₹15 lakh or less, with a tenure of 15 years or more.
- The home loan must be taken from a Nationalized Bank, Scheduled Bank, or NBFC.
- Application must be submitted within one year from the date of the purchase document.
Scheme Benefits
- Interest subsidy of 3% on home loans for eligible workers.
- The subsidy amount is directly credited to the beneficiary’s bank account via DBT (Direct Benefit Transfer).
- The maximum subsidy is capped at ₹15 lakh or 3% of the actual loan interest, whichever is lower.
How to Apply? (Online Application Process)
The application process is completely online through the Sanman Portal. Follow these steps:
- Visit the Official Portal:
- Register on the Portal:
- Under ‘Citizen Login’, click ‘Please Register Here’.
- Enter your Aadhaar Number and Labour Welfare Fund Account Number.
- Select your User Type and click ‘Fetch’ to verify your details.
- Complete your user profile and set a password for future login.
- Login & Apply for the Scheme:
- Log in using your User ID and Password.
- Select Home Loan Interest Subsidy Scheme and carefully read the instructions.
- Fill out the online application form and upload the required documents.
- Agree to the Terms & Conditions and submit your application.
- You will receive a confirmation email with your application number.
Documents Required
Make sure you have the following documents ready before applying:
- Passport-size photograph
- Aadhaar Card
- Labour Welfare Fund Account Number
- Identity card issued by the contractor/employer
- Loan sanction letter from the bank
- Annual Loan Statement/Annual Interest Certificate
- Self-declaration & Bonafide Certificate
- Bank passbook or account details
Note: If you do not have a Labour Welfare Fund Account Number, contact your factory/establishment’s official for assistance.
Key Takeaways
- This scheme is an excellent opportunity for organized sector workers in Gujarat to get financial relief while purchasing a home.
- The 3% interest subsidy helps reduce loan repayment stress.
- The application is completely online and easy to follow via the Sanman Portal.
- Ensure you apply within a year of purchasing the house to avail of the benefit.
For official details and updates, visit the Sanman Portal: https://sanman.gujarat.gov.in/. If anyone has applied or has insights on the process, feel free to share your experience! 
