Apun Ghar Scheme Assam 2026 Eligibility For Home Loan, Last Date

This is another welfare scheme under the Assam government that provides a housing loan facility. The chief minister of Assam has extended this scheme till 31 July 2026 as per their recent announcement . During the announcement and the extension of the scheme, they have also made the announcement regarding the loan value from 15 lakh to 30 lakh. The government reduce the interest burden so that anyone can afford this welfare initiative. All the government employees who are looking for the Apun Ghar Scheme Assam should definitely check out this page for a complete guide. This is a dream of every individual to own a home. But today, in this time, it has become more difficult to construct a house and get home loans.

Home loans these days charge a very high interest rate from the families who are taking them, so it’s not easy for everyone to pay the EMI for their interest and home loans. To fulfil the dream of own house, the Government of Assam has to introduce the Apun Ghar initiative.  This scheme provides relaxation for the applicant on the loan interest and helps them financially. The scheme is for all the government employees, where they do not need to pay a heavy monthly EMI. To understand in a better way regarding the scheme, check out the next paragraph.

Apun Ghar Scheme Assam 2026

Every government employee needs to note the last date for the scheme. The last date of this scheme is 31st july 2026, where all the eligible Government employees are able to get a subsidised loan from the state. The government have already provided the benefit of the scheme to more than 37000 state government employees and provided them with home ownership at an affordable rate. The government provide the stability for all government employees and reduces the burden of heavy interest monthly EMI. The state government provide this opportunity of a housing loan from the State Bank of India.

All the Government employees who are willing to buy a house and need a home loan can apply for this scheme through their DDO by providing all the documents. The employees will get 1% interest subvention on the home loan amount. The tenure of the loan amount is up to the age of 70 for all the pensionable staff and the non-pensionable staff up to the age of 60. The tenure relaxation for the applicant is a maximum of 20 years.

Main Highlights Of The Scheme

Eligibility Criteria for Government Employees

• All the permanent residents of Assam are eligible for the home loan facility.
• The permanent State Government Employees with at least five years of service will be eligible for the scheme.
• For the pensionable person, your pension should be disbursed to the SBI Bank until the loan is finished.
• The minimum age requirement is 21 years with at least five years of service.
• The maximum age eligibility is 70 years with the pensionable service.
• The maximum age for the non-pensionable person is 60 years.

Documents List

• Identity proof like Aadhar card,/ pan card/ voter ID card.
• Passport-size photograph 5
• Residential proof, like an electricity bill, passport.
• A recent salary certificate certified by DDO.
• Salary account sstatement frommonth tomonthh
• No Dues certificate if your salary is credited in a bank other than SBI.
• Ownership of the land documents or jamabandi copy.

Home Loan Interest and EMI Ratio

• The State Bank of India provide 8.50 % interes Rate for the womens and 8.55% for others.
• The EMI will be fixed on the basis of the rate of interest.
• Those with annual income up to Rs 5 lakh: 55%
• Those with annual income between 5 and 8 lakh: 65%
• Those with annual income of 8 to 10 lakhs: 70%
• More than 10 lakh: 75%

Benefits of the Apun Ghar Welfare Scheme

• The government provide home loan facility at a low interest rate for the Government employees in Assam.
• The low interest rate for women’s and men’s loans is different.
• This is one of the biggest opportunities for those who want to buy their own house in Assam.
• This facility will be given to applicants up to 70 years of age.
• Those who want to purchase or construct a new house will get the benefit of the scheme.
• Under the welfare schemes, children’srens siblings and parents are not covered at any cost.
• The government provide up to rupees 30  lakh of home loan under the scheme.
• If you want to take a larger loan amount, then the government will not be able to provide the interest subsidy on the remaining amount; they will offer interest subsidy up to the prescribed limit of the scheme.

How to Apply for the Assam Home Loan Scheme?

• Those Government employees who are interested in the scheme need to download the application form from the official website.
• Along with the application form, you will also get all the information and instructions.
• Follow the instructions given here to download the application form and the full submission process.
• Firstly, open the official website of the Finance Department of Assam.
• On this website, you will see the application form for a home loan pdf.
• Download the application form PDF.
• Enter all the personal details in the application form regarding your employment information, salary structure, etc.
• Provide your property and construction information.
• After this, attach all the important documents to the application form.
• The list of documents above is required and mandatory for the applicant to get approval for the loan interest subsidy.
• After the completion of the application form, you can submit the application form to the DDO.
• They will further verify all your details and documents.
• After the verification, your application will be sent to the bank.
• Then they will further verify the loan eligibility, and after all the formalities, if they find you eligible, then they will approve or sanction the loan amount in your name.
• After the approval, the government subsidy will be automatically linked to your total loan amount.

FAQ