Apun Bahan Scheme 2026: Eligibility and Subsidy Details

To fulfil the dream of owning a vehicle for the Government employees, the government has finally extended the loan subsidy under the ” Apun Bahan Scheme”. This is one of the major schemes for government employees, and the government has made the announcement for all the eligible beneficiaries who want to purchase a motor vehicle. Along with this, the government also provide extension for the “Apun Ghar scheme”, which is also for the Government employees who want to purchase a house. Assam Finance Department made this announcement on 7th March 2026 that they will extend the scheme from 1st April 2026 to 31st July 2026.

All the guidelines and terms and conditions for the scheme are remains same. Thousands of Government employees in Assam are waiting for this announcement from the chief minister, and are planning to purchase a motor vehicle through a bank loan. The government provides a loan facility for petrol, diesel, and electric vehicles. The beneficiaries will charge with 2% of interest on the purchase of a petrol or diesel vehicle and 3% interest on the purchase of an electric vehicle. The other details regarding the scheme eligibility, income criteria and the full benefits given by the government are given in the article below.

Apun Bahan Scheme 2026

The extension of the “Apun Vahan Scheme” in Assam brings happiness to all the Government employees who are planning to buy a motor vehicle. The Government employees who want to buy a vehicle on loan need to pay very low interest on their loan. The government provide the subsidy to the Government employees, and the subsidy amount will be directly transferred to their salary account. This is a great financial relief for all the permanent employees of Assam state. The applicant can easily fulfil the dream of their family members by buying a motor vehicle, the employees can take a loan from the scheduled commercial bank, Assam Cooperative Apex Bank and the regional rural bank.

The subsidy and the interest on the total loan amount for the women and differentially abled employees is 3% for any kind of vehicle. All the terms and conditions regarding the scheme are the same as they were. This scheme supports those Government employees who are earning 3 lakh per annum or less and have completed a maximum tenure of 7 years of service. The Government employees will get up to Rs 15 lakh loan for the purchase of a motor vehicle at a 2% and 3% interest rate. Now, next, we are coming to discuss eligibility, mode of subsidy transfer, and the full application procedure for the beneficiaries.

Highlights of the Scheme

Eligibility Criteria

• The applicant must be a permanent resident of Assam state and must be a government employee.
• The government provides a loan subsidy only for those who want to purchase a two-wheeler or a four-wheeler.
• The age criteria for all the applicanare is between 21 and 53 years.
• The applicant must complete 7 years of their service.
• The income criteria for the applicant and the co-applicant should be 3 Lakh and above.
• The co-applicant can we father, mother, brother, sister, spouse, or daughter with valid income proof.

Guidelines For Applicants

• The scheme is valid for one vehicle per employee.
• The vehicle should be purchased and registered under the name of the employee.
• You cannot purchase the vehicle for commercial use; if you do so, the department will take action against you.
• The employee needs to provide a self-declaration that he or she has not benefited under any such scheme before.
• The represent of the loan will be for a minimum of 3 years and a maximum of 3 years.
• There will be a fixed EMI every month.
• The applicant will get an 85% to 90% loan on the basis of the on-road price of the vehicle and 48 times the net income.
• The loan will be sanctioned under term loans from the bank.
• The three-wheelers are not covered under the scheme.
• The subsidy will be transferred to the employee’s salary account.

Document Needed

• Aadhar card of the employee
• Residential proof (electricity bill, voter ID card, PAN card)
• Bank details
• Employee ID
• Age proof (Birth certification/ matriculation certificate)
• Passport-sized photograph

Features Of The Scheme

• Employees will get a loan amount of Rs 15 lakh under the scheme.
• The loan will be given at 2% and 3% interest rate.
• Employees can buy a two-wheeler or a four-wheeler for their family and for themselves.
• The employees can repay the low amount within a maximum of 7 years.
• This facility will be given to those who are between 21 and 53 years old.
• The employees who earn up to RS 3 lakh, including all incentives, will benefit under the scheme.

Application Details

• Firstly, all the Government employees have to visit the eligible banks as per the scheme guidelines.
• You need to carry all your documents with you.
• The application form with full form and will be given by the bank authorities to the applicant.
• Once you get the Apun Bahan Scheme application form, enter all the details regarding your salary and other personal information.
• Then attach all the required documents to the application form and submit the form to the DDOs.
• Make sure that in your application form, there will be the information on the due and withdrawal statement of the salary.
• The salary information will be filled in by the DDO concerned.
• Then the bank will verify all your documents and details given in the application form.
• After the scrutiny and verification of the application form, the bank will process the loan amount as per the proposal of the applicant.

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