Assam government has launched Apun Ghar Scheme to enable state govt employees to fulfill their dreams of building / buying a house. The state cabinet has accorded approval to the proposal for extension of the Apon Ghar Scheme upto 31st March 2026. The loan threshold limit will also be raised from the existing Rs. 15 lakh to Rs. 30 lakh with interest subvention of 1%. Read this article till the end to know how to download Apun Ghar Scheme application form PDF, what is the home loan interest rate for government employees and other aspects regarding the scheme.
Assam Apun Ghar Scheme Extension till FY 2026
On 10th July 2024, Assam govt. has extended Apon Ghar Scheme till 31 March 2026. Loan threshold has been increased to Rs. 30 lakh with interest subvention of 1 percent. It is worth noting that till 10th July 2024, govt. of Assam has provided interest subvention of Rs. 596 crore benefiting 37,277 state govt employees. 
Assam Apon Ghar Scheme Application Form PDF Download
- First of all, visit the official website https://finance.assam.gov.in/
- At the homepage, scroll over "Schemes & Projects" tab in the main menu and then click at "Apun Ghar" link.
- Direct link for Assam Apon Ghar Scheme - https://finance.assam.gov.in/schemes/detail/apun-ghar
- At the opened page, click at "Application Form For Home Loan" link to open Assam Apun Ghar Application Form PDF as shown below:-
- Download Apon Ghar Home Loan Form PDF, save it on your laptop / smartphone / PC, fill it manually and submit it to the concerned authorities for approval.
Assam Apun Ghar Loan Interest Rate
| Home Loan Particulars | Men | Women |
| Loan Amount | Rs. 30 Lakh | Rs. 30 Lakh |
| Interest Subsidy | 3.5% | 3.5% |
| Interest Rate after Subsidy | 5.05% | 5% |
| Maximum Loan Tenure | 20 Years | 20 Years |
| Effective EMI (for a loan of Rs. 30 Lakh for 20 Years) Before Subsidy | Rs. 26,129.71 | Rs. 26,034.70 |
| Effective EMI (for a loan of Rs. 30 Lakh for 20 Years) After Subsidy | Rs. 19,881.63 | Rs. 19,798.67 |
Apon Ghar Scheme Eligibility Criteria for State Govt Employees
The applicant applying under Apun Ghar Scheme should meet the following eligibility criteria:-- The applicant should be a resident of Assam.
- The minimum age limit of the applicant should be 21 years.
- Government employee of Assam who is in lower-income categories.
- The state employee of Assam should have at least a minimum of 5 years experience.
- The employees who have already availed of education and the home loan from the concerned bank at regular rates would also be able to switch over to the subsidized loan scheme of the Government after one year.
List of Documents Required for Assam Apon Ghar Scheme
- Passport size photographs (5 copies)
- Identity proof like PAN card, Voter ID, Identity card etc
- Proof of Residence: Any one of Electricity Bill / Telephone (Landline) (not more than 2 months old) / Passport / SBI Account passbook with updated address
- Form 16 for last 2 years
- Latest salary slip with all deductions duly verified by the DDO
- Statement of salary account for the last six months (necessary if salary is not drawn from SBI)
- No dues certificate from the existing banker if the salary is credited other than in SBI account
- Personal assets and liabilities statement in bank’s format
- Proof of being in service for a minimum of five years
- Documents evidencing the ownership of land / building to be purchased / constructed (such as jamabandi copy etc.)
About Apun Ghar Home Loan Scheme
The state govt. of Assam has started Apun Ghar Home Loan scheme to provide home loan for state government employees on subsidized interest rates. Under the Apun Ghar scheme, the eligible beneficiaries who are permanent residents and employee of state government can avail a maximum loan amount of Rs. 30 lakhs without collateral security from the concerned bank. Assam Government has signed a Memorandum of Understanding (MOU) with State Bank of India to provide housing loan for the beneficiaries under Apon Ghar scheme.Check Apun Ghar Loan Scheme Guidelines PDF - Click Here
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Assam