LabourPartially Done
Connect street vendors to food-tech platforms under PM SVANidhi
Bharatiya Janata PartymediumOct 20260
Pendinglow confidenceLabour
Introduce Shramik Credit Cards with collateral-free loans up to ₹2 lakh
Bharatiya Janata Party · Gujarat Legislative Assembly Election 2022
Last updated 18 Oct 2026
What does this status mean?
The term is active and there is no evidence of action or reversal.
Status describes delivery. Confidence describes how strong the available evidence is.
Original manifesto wording
“We will introduce Shramik Credit Cards for labourers to provide them with collateral-free loans up to ₹2 lakh.”
From the Bharatiya Janata Party manifestoView Manifestop.63
Our Assessment
The e-Nirman card registers construction workers for welfare benefits, but its published services do not establish a collateral-free ₹2 lakh credit facility. A matching lending order, participating-bank agreement, application channel and actual loan disbursements were not verified. Worker registration, accident cover and housing-loan subsidies provide different benefits and are not treated as delivery of this credit commitment.
The reasoning behind the verdict
Why this assessment?
Reviewed
01 · Delivery status
Why pending?
Matching implementation has not been verified; this is an evidence gap, not proof of non-delivery.
02 · Strength of evidence
Why low confidence?
The pledge is clear, but matching implementation records are insufficient.
What would help us reassess?
The documents that could clarify delivery of this commitment.
- Credit-product guidelines, participating lenders and actual collateral-free loan disbursements
Status describes delivery. Confidence describes the evidence.
Read our methodology ↗Sources & Evidence
government
Gujarat Building and Other Construction Workers Welfare Board — e-Nirman scheme portal
enirmanbocw.gipl.in
manifesto
BJP Gujarat Sankalp Patra 2022 — Shramik Credit Card pledge (p. 63)
oneindia.com·26 Nov 2022
manifesto
BJP Gujarat Manifesto 2022 — printed page 63 (PDF 65)
oneindia.com·26 Nov 2022
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