J&K Building and Other Construction Workers Welfare Board schemes (labour card)

Construction workers aged 18 to 60 who worked at least 90 days in building or other construction work in the last 12 months: masons, labourers, painters, plumbers, bar benders, stone and quarry workers, brick makers and others. Registration must be renewed every year with a ₹10 monthly contribution. Education help: Class 1 to 5 ₹2,500, Class 6 to 8 ₹3,500, Class 9 to 10 ₹4,500, Class 11 to 12 ₹6,000, graduation ₹10,000, post-graduation ₹15,000, ITI or para-medical diploma ₹10,000, 3-year diploma ₹30,000, professional degree ₹50,000. Other help: maternity ₹5,000 (up to 2 children), funeral ₹5,000, death ₹2 lakh, injury ₹5,000, temporary disability ₹10,000, permanent disability ₹75,000, chronic disease treatment ₹1 lakh. Under Muhafiz: natural death ₹2 lakh, accidental death ₹4 lakh, partial permanent disability ₹1 lakh, permanent disability ₹2 lakh.

Registered construction workers get help for children’s education (₹2,500 to ₹50,000 a year), maternity (₹5,000), medical and chronic disease treatment (up to ₹1 lakh), disability, death (₹2 lakh, ₹4 lakh if accidental under Muhafiz) and funeral costs.

Construction worker registration card (BOCW board); Age proof (birth certificate, school certificate or similar); Aadhaar card (linked to your mobile number); Address proof; Passport-size photo; Bank passbook or account details (Aadhaar-seeded account); Ration card; Self-declaration in the prescribed form.

Get the registration form and employment certificate from the Assistant Labour Commissioner (ALC) office or download them from jkbocw.gov.in. Get the employment certificate attested by the issuing authority, then submit the form at the ALC office or fill it online on the board portal and pay the registration fee. Once registered, apply for each scheme (education, chronic disease, death or disability) on the scheme form at the ALC office or online. Official site: https://jkbocw.gov.in/

Log in on the board’s e-portal (portal.jkbocw.gov.in) or ask the Assistant Labour Commissioner office of your district.

No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.

From ₹2,500 a year for Class 1 to 5 up to ₹50,000 for professional degrees like MBBS or B.Tech, for children of registered workers.

Construction workers aged 18 to 60 who did at least 90 days of construction work in the last 12 months. Registration is renewed every year.

₹2 lakh on natural death and ₹4 lakh on accidental death under the Muhafiz scheme, plus ₹5,000 for funeral costs.