The construction industry is one of the largest employment sectors in Maharashtra. However, most construction workers operate in unorganized conditions without job security, health benefits, or retirement support. To address these issues and improve the living conditions of construction workers, the Government of Maharashtra launched the Bandhkam Kamgar Yojana, under the Maharashtra Building and Other Construction Workers’ Welfare Board (MAHABOCW).
| Scheme | Bandhkam Kamgar Yojana |
| Type | Govt Schemes for Labourers |
| State | Maharashtra |
| Applicable | Labourers of Maharashtra |
| Benefits | ₹30,000 |
What is Bandhkam Kamgar Yojana?
The Bandhkam Kamgar Yojana is a welfare initiative run by MAHABOCW, established under the provisions of the Building and Other Construction Workers (Regulation of Employment and Conditions of Service) Act, 1996.
Its primary aim is to provide social security and welfare benefits to registered construction workers and their families in Maharashtra. These benefits range from health care and education assistance to pension schemes and accident insurance.
Who Can Apply?
To avail the benefits under the Bandhkam Kamgar Yojana, a worker must fulfill the following eligibility criteria:
- Age: Between 18 to 60 years.
- Profession: Must be engaged in any type of building or construction work.
- Work Duration: Must have worked for at least 90 days in the last 12 months.
- Residency: Should be a resident of Maharashtra.
- Registration: Must be registered with MAHABOCW.
Examples of eligible professions include: masons, plumbers, electricians, carpenters, painters, road workers, bridge construction workers, and more.
How to Register?
There are two ways to register:
Online Registration
You can register online through the IWBMS portal at https://mahabocw.in. Steps include:
- Visit the portal and go to the “Workers Registration” section.
- Fill out the online form.
- Upload scanned copies of required documents.
- Submit and book an appointment for document verification.
Offline Registration
Visit your nearest Taluka Worker Facilitation Center with the following documents:
- Aadhaar Card (with mobile number linked)
- Proof of age (Aadhaar / PAN / school certificate)
- Proof of residence (ration card / electricity bill / voter ID)
- Proof of 90 days of construction work (employer certificate / muster roll)
- Passport-sized photograph
- Bank account details (passbook copy)
Registration Fees
- Initial Registration Fee: ₹25
- Annual Renewal Fee: ₹1
Once verified and approved, the worker receives a registration certificate valid for 1 year, which must be renewed annually.
Welfare Schemes Offered Under Bandhkam Kamgar Yojana
1. Marriage Assistance
- ₹30,000 for the marriage of the registered worker or their children (once per family).
2. Maternity Assistance
- ₹15,000 for normal delivery.
- ₹20,000 for cesarean delivery.
3. Educational Assistance (for the first two children)
| Education Level | Amount Per Year |
|---|---|
| 1st to 7th | ₹2,500 |
| 8th to 10th | ₹5,000 |
| 11th to 12th | ₹10,000 |
| Diploma | ₹20,000 |
| Graduation | ₹20,000 |
| Engineering | ₹60,000 |
| Medical | ₹100,000 |
| Post-Graduation | ₹25,000 |
4. Tool Purchase Assistance
- ₹5,000 once every 5 years to purchase work tools.
5. Accident Insurance & Death Benefits
- Accidental Death: ₹5,00,000
- Natural Death: ₹2,00,000
- Disability (≥75%): ₹2,00,000
- Funeral Expenses: ₹10,000
6. Pension Scheme
- Monthly pension after the age of 60 years.
- Widow/Widower Pension: ₹2,000 per month for 5 years.
7. Critical Illness Support
- Financial assistance up to ₹1,00,000 for critical illnesses.
8. Housing Support (Atal Bandhkam Kamgar Awas Yojana)
- Financial help to construct or purchase a home under PMAY or state housing schemes.
How to Apply for Welfare Scheme Benefits
Once registered, the worker can apply for individual benefits online:
- Visit the mahabocw.in website.
- Login with your registration number and mobile number.
- Go to “Apply Online for Claim”.
- Choose the relevant scheme (e.g., Education Assistance, Marriage Aid).
- Upload required documents.
- Submit the claim.
A reference number will be generated for tracking purposes. Claims are usually processed within 15–30 days.
How to Check Benefit Status
You can check whether your claim or benefit has been processed by:
- Visiting the “Benefits Distributed” section on the official website.
- Entering your account number, IFSC, or application number.