MBOCWW Schemes- Bandhkam Kamgar Yojana Guide

Updated on September 11, 2025

Summary: The Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) runs the Bandhkam Kamgar Yojana, offering a wide range of welfare schemes to registered construction workers and their families.

Benefits include marriage aid, education support, health care, housing grants, pensions, and accident compensation. It’s meant for daily-wage and informal sector workers in construction across Maharashtra.

Registration is mandatory but affordable (fees range from ₹250 to ₹2,500 based on the number of workers). Applications are easy and processed in a few days. This scheme ensures financial stability and social security for workers often left out of formal support. Read full details.

The Bandhkam Kamgar Yojana (Maharashtra Building and Other Construction Workers Welfare Board – MBOCWW) is a welfare scheme designed to provide financial assistance and social security to registered construction workers and their families. 

Construction workers form the backbone of infrastructure development, often working in challenging conditions with little financial security. Recognizing their contributions, the Maharashtra government introduced the Bandhkam Kamgar Yojana under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW). This scheme offers a comprehensive range of benefits, including marriage assistance, education support, healthcare, financial aid, housing grants, skill development, and social security.

Bandhkam Kamgar Yojana Construction Workers Registration

• The 2001 census recorded 14.09 lakh construction workers in the state. Given the 15.99% population increase reported in the 2011 census, and although official statistics are not yet available, the number of construction workers is projected to have risen to 17.50 lakh.
• The Board had 5.62 lakh registered beneficiary construction workers at the end of November 2016. Of this total, 2.99 lakh workers still have valid registrations.
• The state of Maharashtra has 1.02 lakh construction establishments, as per the Maharashtra Economic Survey 2015-16.

Source: Disha Foundation

Establishment / Construction Owner / Developer Registration

The Building and Other Construction Workers (Employment Regulation and Terms of Service) Act, 1996 mandates that all 1.02 lakh construction establishments in the state of Maharashtra must be registered under section 7.

Number of workers	Fees
Up to 50	Rs.250/-
More than 50 ​​but less than 100	Rs.500/-
More than 100 ​​but less than 300	Rs.1000/-
More than 300 ​​but less than 500	Rs.2000/-
More than 500	Rs.2500/-

Here’s a summary table for the Bandhkam Kamgar Yojana (MBOCWW) welfare schemes, categorized for better clarity:

Category	Scheme Name	Benefit Provided
Social Security	Reimbursement for First Marriage Expenses	₹30,000 for the first marriage of a registered construction worker.
	Financial Assistance for Daughter’s Marriage	₹51,000 for the marriage of one daughter.
	Pradhan Mantri Shram Yogi Maan-Dhan Yojana	Pension scheme for unorganized workers.
	Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)	₹2,00,000 life insurance for death due to any reason.
	Pradhan Mantri Suraksha Bima Yojana (PMSBY)	₹2,00,000 accidental insurance for accidental death/disability.
Education	Educational Assistance for 1st–7th Standard	₹2,500 per year (for the first two children).
	Educational Assistance for 8th–10th Standard	₹5,000 per year (with 75% attendance).
	Educational Assistance for 10th–12th Standard	₹10,000 per year (for students securing 50%+ marks).
	Degree Course Assistance	₹20,000 per year (also applicable for the worker’s spouse).
	Medical Degree Assistance	₹1,00,000 per year.
	Engineering Degree Assistance	₹60,000 per year (also applicable for the worker’s spouse).
	Diploma Course Assistance	₹20,000 per year for diploma courses.
	Post-Graduation Diploma Assistance	₹25,000 per year (for government-approved courses).
	Reimbursement of MS-CIT Course Fees	Covers the fee for MS-CIT courses upon completion.
Healthcare	Maternity Assistance	₹15,000 for normal delivery, ₹20,000 for surgical delivery.
	Critical Illness Treatment	₹1,00,000 for the worker or family members.
	Fixed Deposit for Girl Child	₹1,00,000 FD until the girl turns 18 (with contraceptive surgery condition).
Employment & Skill Development	Mid-Day Meal Scheme	Free nutritious meals for registered workers.
	Recognition of Prior Learning (RPL)	Certification of skills for better job opportunities.
Financial Assistance	Accidental Death Compensation	₹5,00,000 for accidental death at a construction site.
	Natural Death Compensation	₹2,00,000 for the family in case of natural death.
	Funeral Assistance	₹10,000 for funeral expenses.
	Widow/Widower Pension	₹24,000 per year for 5 years.
	Home Loan Assistance	₹6,00,000 loan or ₹2,00,000 grant for house purchase.
	Transportation of Deceased Worker	Financial aid to transport the deceased worker’s body.
Housing	Atal Bandhkam Kamgar Awas Yojna (Urban)	Financial assistance for housing in urban areas.
	Atal Bandhkam Kamgar Awas Yojna (Rural)	Financial assistance for housing in rural areas.

If you’re a registered construction worker, this guide will help you understand how you and your family can benefit from these schemes and how to apply for assistance.

The scheme offers a range of benefits across multiple sectors, including marriage, education, healthcare, financial security, and housing.

Marriage Assistance under Bandhkam Kamgar Yojana (MBOCWW)

The MBOCWW offers financial assistance for weddings through two schemes: the Self-Marriage Assistance Scheme and the Daughter’s Marriage Assistance Scheme. The Self-Marriage Assistance Scheme provides ₹30,000 for a worker’s first marriage, while the Daughter’s Marriage Assistance Scheme provides ₹51,000 for one daughter’s wedding.

To be eligible for either scheme, applicants must be registered with the MBOCWW and provide proof of eligibility, such as marriage certificates and affidavits. Applications can be submitted online or at the MBOCWW offices.

• Self-Marriage Assistance Scheme
• Daughter’s Marriage Assistance Scheme

1. Scheme Name

• Marriage Assistance Scheme for Registered Construction Workers

2. Eligibility Criteria

To avail of the benefits under this scheme, the applicant must:

• Be a registered construction worker under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW).
• Have a valid registration card with the board.
• Apply only for their first marriage (for self-assistance).
• For assistance with a daughter’s marriage, the worker must be registered, and the daughter must be unmarried at the time of application.

3. Benefits Provided

• ₹30,000 as reimbursement for a worker’s first marriage expenses.
• ₹51,000 as financial assistance for the marriage of one of the registered construction workers.

4. Application Process

1. Collect Required Documents:
   
   • For Self-Marriage Assistance:
     • Marriage certificate
     • Affidavit stating it is the first marriage
   • For Daughter’s Marriage Assistance:
     • Daughter’s marriage certificate
     • Ration card
     • Aadhar card of the daughter
     • Daughter’s birth certificate or school leaving certificate
2. Download and Fill the Application Form:
   
   • Forms are available on the official government website.
3. Submit the Application:
   
   • Applications can be submitted online or at the nearest MBOCWW office along with the required documents.
4. Verification Process:
   
   • The board will verify all submitted documents before approving the assistance.
5. Disbursement of Funds:
   
   • Upon successful verification, the assistance amount is credited directly to the applicant’s bank account.

5. Official Government Source

• To apply and for further details, visit the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) official website:
  https://mahabocw.in

Education Benefits under Bandhkam Kamgar Yojana (MBOCWW)

Education benefits cover school fees (₹2,500–₹5,000/year), higher secondary (₹10,000/year), and degree/diploma courses (up to ₹1 lakh/year). The Recognition of Prior Learning (RPL) Scheme certifies existing skills to boost employability. MS-CIT computer course fees are reimbursed upon certification.

• Educational Assistance for School Students (1st–10th Standard)
• Higher Secondary Education Assistance (10th–12th Standard)
• Degree/Diploma Course Assistance
• MS-CIT Computer Course Fee Reimbursement
• Recognition of Prior Learning (RPL) Training Scheme

1. Scheme Name

• Education Assistance Scheme for Children of Registered Construction Workers

2. Eligibility Criteria

To avail of education benefits under this scheme, the applicant must:

• Be a registered construction worker under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW).
• Have children enrolled in school/college (benefits apply only to the first two children).
• Meet the minimum attendance and academic performance requirements:
  • For school students (1st to 10th class): Minimum 75% attendance.
  • For 10th-12th standard students: Must secure 50% or more marks.
  • For higher education (degree/diploma courses): Must have passed the previous academic level and enrolled in the current year.

3. Benefits Provided

• School Education Assistance:
  
  • ₹2,500 per year for 1st to 7th standard students.
  • ₹5,000 per year for 8th to 10th standard students.
• Higher Secondary Education Assistance:
  
  • ₹10,000 per year for 10th to 12th standard students.
• Degree Courses (including for the worker’s spouse):
  
  • ₹20,000 per year for general degree courses.
  • ₹1,00,000 per year for medical degree courses.
  • ₹60,000 per year for engineering degree courses.
• Diploma & Post-Graduate Assistance:
  
  • ₹20,000 per year for diploma courses.
  • ₹25,000 per year for post-graduate diploma courses (only government-approved courses).
• Additional Educational Benefits:
  
  • Reimbursement of MS-CIT computer course fees (on submission of the MS-CIT passed certificate).

4. Application Process

1. Collect Required Documents:
   
   • School certificate with 75% attendance proof (for school students).
   • Marksheet showing 50% or more marks (for 10th-12th students).
   • Marksheet and a Bonafide certificate from college/university (for degree/diploma courses).
   • Proof of passing the previous academic level (for all categories).
   • Acknowledgment of admission for the current academic year.
2. Download and Fill the Application Form:
   
   • Forms are available on the official Maharashtra BOCW website.
3. Submit the Application:
   
   • Applications can be submitted online or at the nearest MBOCWW office along with the required documents.
4. Verification Process:
   
   • The board will verify attendance records, marksheets, and admission proofs before approval.
5. Disbursement of Funds:
   
   • The financial assistance amount is transferred directly to the worker’s bank account after verification.

5. Official Government Source

• To apply and for more details, visit the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) official website: https://mahabocw.in

Healthcare Benefits under Bandhkam Kamgar Yojana (MBOCWW)

The benefits include  ₹15,000–₹20,000 for maternity care, ₹1 lakh for critical illnesses, and ₹2 lakh for permanent disability. Additionally, workers receive free annual health check-ups,  a ₹1 lakh fixed deposit for a girl child (post-family planning), and free hospital services through the Mahatma Jyotiba Phule Jan Arogya Yojana.

• Maternity Assistance Scheme
• Critical Illness Treatment Assistance
• Disability Assistance Scheme
• Annual Health Check-Up Scheme
• Fixed Deposit Scheme for Girl Child
• Mahatma Jyotiba Phule Jan Arogya Yojana

1. Scheme Name

• Medical Assistance Scheme for Registered Construction Workers

2. Eligibility Criteria

To avail of healthcare benefits under this scheme, the applicant must:

• Be a registered construction worker under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW).
• Have a valid registration card with the board.
• Provide medical documents certified by a competent medical authority.
• For maternity benefits, the applicant or their spouse must be a registered construction worker.

3. Benefits Provided

Maternity Assistance

• ₹15,000 for normal delivery.
• ₹20,000 for surgical delivery (C-section).

Critical Illness Treatment

• ₹1,00,000 assistance for the treatment of critical illnesses for the worker or their family members.
• Requires medical certificates and treatment documents from a competent medical authority.

Disability Benefits

• ₹2,00,000 for construction workers with 75% or permanent disability.
• Requires a disability certificate issued by a competent medical officer or medical board.

Health Check-Up Assistance

• Free annual health check-ups for registered workers.
• Requires a certificate from a medical authority.

Fixed Deposit for Girl Child

• A ₹1,00,000 fixed deposit is made for the girl child until she turns 18.
• The worker must undergo contraceptive surgery after the birth of the first girl child.
• Requires a Family Planning Certificate issued by a competent medical officer and an affidavit confirming only one daughter.

Mahatma Jyotiba Phule Jan Arogya Yojana

• Provides free healthcare services at government-approved hospitals.
• Requires submission of prescribed credentials under the scheme.

4. Application Process

1. Collect Required Documents:
   
   • Medical certificates from a government-recognized hospital.
   • Treatment documents and prescriptions for critical illness claims.
   • Disability certificate from a competent medical officer (if applicable).
   • Family Planning Certificate (for girl child fixed deposit).
   • Birth certificate for maternity benefits.
2. Download and Fill the Application Form:
   
   • Forms are available on the official Maharashtra BOCW website.
3. Submit the Application:
   
   • Applications can be submitted online or at the nearest MBOCWW office along with the required documents.
4. Verification Process:
   
   • The board verifies the submitted medical records before approval.
5. Disbursement of Funds:
   
   • Upon approval, the assistance amount is directly transferred to the applicant’s bank account.

5. Official Government Source

• To apply and for more details, visit the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) official website:
  https://mahabocw.in

Financial Assistance Benefits under Bandhkam Kamgar Yojana (MBOCWW)

The Atal Bandhkam Kamgar Awas Yojana, which aligns with PMAY guidelines, provides housing aid through ₹6 lakh home loans or ₹2 lakh grants. Additionally, coverage includes accidental death (₹5 lakh), natural death (₹2 lakh), funeral expenses (₹10,000), and widow pensions (₹2,000/month).

• Accidental Death Assistance Scheme
• Natural Death Assistance Scheme
• Funeral Expenses Assistance
• Widow/Widower Pension Scheme
• Home Loan Assistance Scheme
• Atal Bandhkam Kamgar Awas Yojana (Urban & Rural)

1. Scheme Name

• Financial Assistance Scheme for Registered Construction Workers

2. Eligibility Criteria

To avail of financial assistance benefits under this scheme, the applicant must:

• Be a registered construction worker under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW).
• Have a valid registration card with the board.
• Provide the necessary documents for each financial assistance category.

3. Benefits Provided

Accidental Death Assistance

• ₹5,00,000 financial assistance for accidental death during work at a construction site.
• Given to the legal heir of the deceased worker.
• Required Documents:
  • Death certificate issued by a competent medical officer.
  • Proof of accidental death while on duty.

Natural Death Assistance

• ₹2,00,000 financial aid for the natural death of a registered worker.
• Required Documents:
  • Death certificate issued by a competent medical officer.

Funeral Assistance

• ₹10,000 is provided for the funeral expenses of the registered worker.
• Required Documents:
  • Death certificate issued by a competent medical officer.

Widow/Widower Pension Assistance

• ₹24,000 per year (₹2,000 per month) for five years for the widow or widower of a registered worker.
• Required Documents:
  • Death certificate of the deceased worker.

Financial Assistance for Transporting the Deceased Worker’s Body

• Provides reimbursement for transporting the deceased worker’s body to their village or place of residence.
• Required Documents:
  • Death certificate issued by a competent medical officer.
  • Scanned copy of the bank passbook of the applicant.
  • Aadhaar card of the applicant.
  • Distance certificate issued by the depot manager of Maharashtra State Transport Corporation.

Home Loan & Housing Grant Assistance

• ₹6,00,000 home loan assistance or a ₹2,00,000 grant for the purchase of a house.
• Required Documents:
  • Loan approval proof from a nationalized bank.
  • Receipt of loan insurance.

4. Application Process

1. Collect Required Documents:
   
   • Death certificate (for death-related assistance).
   • Bank loan approval letter (for housing assistance).
   • Medical certificate and proof of accident (for accidental death claims).
2. Download and Fill the Application Form:
   
   • Forms are available on the official Maharashtra BOCW website.
3. Submit the Application:
   
   • Applications can be submitted online or at the nearest MBOCWW office along with the required documents.
4. Verification Process:
   
   • The board verifies all submitted claims before approval.
5. Disbursement of Funds:
   
   • Upon approval, the financial assistance amount is transferred directly to the applicant’s bank account.

5. Official Government Source

• To apply and for more details, visit the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) official website:
  https://mahabocw.in

Housing Assistance Benefits under Bandhkam Kamgar Yojana (MBOCWW)

1. Scheme Name

• Atal Bandhkam Kamgar Awas Yojana (Urban & Rural)

2. Eligibility Criteria

To avail of housing assistance under this scheme, the applicant must:

• Be a registered construction worker under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW).
• Have a valid registration card with the board.
• Be eligible under the Pradhan Mantri Awas Yojana (PMAY) guidelines.
• Provide the necessary documents for housing assistance.

3. Benefits Provided

Urban Housing Assistance – Atal Bandhkam Kamgar Awas Yojana (Urban)

• Provides financial aid for purchasing or constructing a house in urban areas.
• Required Documents:
  • Eligibility certificate from a competent officer confirming inclusion under Pradhan Mantri Awas Yojana (PMAY).

Rural Housing Assistance – Atal Bandhkam Kamgar Awas Yojana (Rural)

• Provides financial aid for purchasing or constructing a house in rural areas.
• Required Documents:
  • Eligibility certificate from a competent officer confirming inclusion under Pradhan Mantri Awas Yojana (PMAY).

Home Loan Assistance

• ₹6,00,000 assistance for a home loan taken from a nationalized bank.
• ₹2,00,000 grant for purchasing a house.
• Required Documents:
  • Proof of loan approval from a nationalized bank.
  • Loan insurance receipt.

4. Application Process

1. Collect Required Documents:
   
   • Certificate of eligibility under Pradhan Mantri Awas Yojana (PMAY).
   • Loan approval letter from a nationalized bank (for home loan assistance).
   • Receipt of loan insurance (if applicable).
2. Download and Fill the Application Form:
   
   • Forms are available on the official Maharashtra BOCW website.
3. Submit the Application:
   
   • Applications can be submitted online or at the nearest MBOCWW office along with the required documents.
4. Verification Process:
   
   • The board will verify the applicant’s eligibility and submitted documents before approval.
5. Disbursement of Funds:
   
   • Upon approval, the assistance amount is directly transferred to the applicant’s bank account.

5. Official Government Source

• To apply and for more details, visit the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) official website:
  https://mahabocw.in

Employment & Skill Development Benefits under Bandhkam Kamgar Yojana (MBOCWW)

The Mid-Day Meal Scheme ensures free nutritious meals at construction sites, promoting health and productivity.

• Mid-Day Meal Scheme for Construction Workers

1. Scheme Name

• Recognition of Prior Learning (RPL) Training Scheme

2. Eligibility Criteria

To avail of employment and skill development benefits under this scheme, the applicant must:

• Be a registered construction worker under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW).
• Have a valid registration card with the board.
• Submit a demand letter in the prescribed format.

3. Benefits Provided

Recognition of Prior Learning (RPL) Training

• Construction workers can receive formal certification for their existing skills, improving their employability.
• The program helps workers upgrade their skills through government-approved training centers.
• Upon completion, workers receive certification from recognized institutions, enhancing their job prospects and wages.
• Required Documents:
  • Demand letter in the prescribed format.

Mid-Day Meal Scheme for Workers

• Provides free nutritious meals to registered construction workers at specific sites to ensure better health and productivity.
• Required Documents:
  • Demand letter in the prescribed format.

4. Application Process

1. Collect Required Documents:
   
   • Demand letter in the prescribed format for skill development training or mid-day meal benefits.
2. Download and Fill the Application Form:
   
   • Forms are available on the official Maharashtra BOCW website.
3. Submit the Application:
   
   • Applications can be submitted online or at the nearest MBOCWW office along with the required documents.
4. Verification Process:
   
   • The board will verify the applicant’s details before providing training benefits.
5. Approval & Enrollment:
   
   • Eligible workers are enrolled in government-approved training programs or provided with meal benefits.

5. Official Government Source

• To apply and for more details, visit the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) official website:
  https://mahabocw.in

Insurance & Social Security Benefits under Bandhkam Kamgar Yojana (MBOCWW)

Central schemes like PMJJBY (₹2 lakh life insurance), PMSBY (₹2 lakh accidental coverage), and PMSYMY (₹3,000/month pension post-60) offer affordable premiums (₹12–₹330/year).

1. Scheme Name

• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
• Pradhan Mantri Suraksha Bima Yojana (PMSBY)
• Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PMSYMY)

2. Eligibility Criteria

To avail of insurance and social security benefits under these schemes, the applicant must:

• Be a registered construction worker under the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW).
• Have a valid registration card with the board.
• Be within the eligible age group for specific schemes.

3. Benefits Provided

1. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

• Life insurance coverage of ₹2,00,000 in case of the worker’s death.
• Annual premium of ₹330, deducted automatically from the worker’s bank account.
• Required Documents:
  • Guarantee form in the prescribed format.

2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

• Accidental insurance coverage of ₹2,00,000 in case of accidental death or full disability.
• ₹1,00,000 coverage for partial disability.
• Annual premium of ₹12, deducted automatically from the worker’s bank account.
• Required Documents:
  • Guarantee form in the prescribed format.

3. Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PMSYMY)

• Provides a monthly pension of ₹3,000 after the age of 60 for registered construction workers.
• Workers must contribute a nominal monthly amount, which is matched by the government.
• Required Documents:
  • Child’s school identity card (for verification of dependents).

4. Application Process

1. Collect Required Documents:
   
   • Guarantee form (for PMJJBY & PMSBY).
   • Child’s school identity card (for PMSYMY).
2. Download and Fill the Application Form:
   
   • Forms are available on the official Maharashtra BOCW website.
3. Submit the Application:
   
   • Applications can be submitted online or at the nearest MBOCWW office along with the required documents.
4. Verification Process:
   
   • The board verifies the applicant’s details before enrolling them in the insurance schemes.
5. Premium Payment & Policy Activation:
   
   • The required premium is auto-deducted annually from the applicant’s registered bank account.
6. Claim Process (in case of death or disability):
   
   • Nominees must submit death/disability certificates and insurance claim forms.
   • The insured amount is disbursed to the worker’s nominee/legal heir.

5. Official Government Source

• To apply and for more details, visit the Maharashtra Building and Other Construction Workers Welfare Board (MBOCWW) official website:
  https://mahabocw.in

Final Thoughts

The Bandhkam Kamgar Yojana (MBOCWW) ensures comprehensive financial and social security for registered construction workers and their families. From marriage and education to healthcare, housing, and insurance, these benefits create a better and more secure future for workers in the construction industry.

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