Assam Abhinandan 2.0 Loan Scheme: Education has become one of the most important investments for families today, but for many students, the rising cost of higher studies often creates financial stress. To reduce this burden, the Government of Assam has introduced the Assam Abhinandan 2.0 Loan Scheme 2025. This scheme provides a loan subsidy to students who have availed education loans for pursuing higher education.
If you are a student from Assam or a parent trying to support your child’s education, this scheme can help you significantly by reducing the repayment load. In this article, we explain the objectives, benefits, eligibility criteria, documents required, and the online application process for the Assam Abhinandan 2.0 Loan Subsidy Scheme.
Assam Abhinandan 2.0 Loan Scheme 2025 Overview
| Scheme Name | Assam Abhinandan 2.0 Loan Scheme |
| Launched By | Government of Assam (CM Himanta Biswa Sarma) |
| Beneficiaries | Students of Assam pursuing higher education |
| Benefit | Loan subsidy up to Rs. 50,000 – Rs. 1,00,000 on education loans |
| Eligible Loan Period | Loans taken between 01-Apr-2020 and 31-Mar-2024 |
| Application Mode | Online |
| Scheme Portal | dids.assam.gov.in |
| Category | Student Welfare / Education Loan Subsidy |
Objectives and Benefits of the Assam Abhinandan 2.0 Scheme
The Assam Government launched this scheme to encourage students to pursue higher studies without being worried about heavy education loan repayments.
- Financial Relief: A one-time loan subsidy of up to Rs. 50,000 – Rs. 1,00,000 on education loans.
- Encourages Higher Education: Students can confidently take loans for reputed institutions in India or abroad.
- Covers Major Banks: All major commercial banks like HDFC, Federal Bank, and Regional Rural Banks such as Assam Gramin Vikash Bank are covered.
- Wide Beneficiary Base: Supports middle-class and lower-income families who rely on bank loans for education.
This initiative not only reduces financial stress but also promotes skilled, educated youth who can contribute to Assam’s growth.
Assam Abhinandan 2.0 Loan Scheme Eligibility
Before applying, students must check the eligibility criteria carefully:
- The student must be a permanent resident of Assam.
- Education loan should have been availed between 01-Apr-2020 and 31-Mar-2024.
- Parents or students must have taken an education loan of more than Rs. 2 lakh.
- Loans should be from RBI-recognized commercial banks or regional rural banks (not NBFCs or private lenders).
- The loan account should not be declared as a Non-Performing Asset (NPA).
- Students must be pursuing higher education courses (graduate, postgraduate, or professional courses).
- Children of sitting MPs/MLAs are not eligible under this scheme.
Documents Required for Assam Abhinandan 2.0
To apply online, students must keep the following documents ready:
- Aadhaar Card of student
- Parent’s identification proof (Aadhaar/Voter ID)
- Permanent residence certificate of Assam
- Loan sanction and repayment documents from the bank
- Bank Passbook (first page)
- Education course details (admission letter, ID card, or enrollment proof)
- Active mobile number and email ID
How to Apply for Assam Abhinandan 2.0 Loan Scheme Online?
The Government of Assam launched the Abhinandan 2.0 portal on 5th September 2024 (Teacher’s Day) to make the application process completely digital.
Here’s a step-by-step guide to applying online:
- Visit the official portal – dids.assam.gov.in.
- Select Abhinandan 2.0 Loan Scheme and continue as a guest.
- Check your eligibility by answering the provided questions.
- Click on Apply Online to start filling the application form.
- Enter details such as student’s name, course details, contact number, and email ID.
- Upload scanned copies of all required documents (Aadhaar, bank details, residence proof, etc.).
- Submit the form and complete the registration process.
- After successful submission, you will receive a confirmation message/email with your application ID.
What is Abhinandan 2.0 Loan Scheme?
The Abhinandan 2.0 Scheme is a financial assistance initiative by the Assam Government where students get a loan subsidy of up to Rs. 50,000 (sometimes up to Rs. 1,00,000) on their education loan repayment.
It is a one-time subsidy and applies only to education loans taken from recognized banks. This scheme is especially helpful for students from middle-income families who take loans above Rs. 2 lakh for higher studies.
Important Dates for Assam Abhinandan 2.0 Loan Scheme
| Portal Launch Date | 5th September 2024 |
| Eligible Loan Period | 01-Apr-2020 to 31-Mar-2024 |
| Application Mode | Online (Ongoing in 2025) |
Cluck Here To Apply Online for Assam Abhinandan 2.0 Loan Scheme
FAQs on Assam Abhinandan 2.0 Loan Subsidy Scheme
What is the maximum benefit under Assam Abhinandan 2.0 Scheme?
Eligible students can receive a loan subsidy up to Rs. 50,000 – Rs. 1,00,000 on their education loans.
Who can apply for this scheme?
Students who are permanent residents of Assam and have taken education loans above Rs. 2 lakh between 2020–2024 can apply.
Can children of MLAs or MPs apply for this scheme?
No, children of sitting MLAs and MPs are not eligible.
Is the scheme available for private bank loans?
Yes, the scheme covers commercial banks and regional rural banks recognized by RBI. However, loans from NBFCs or unrecognized lenders are not eligible.
How do I apply for the scheme?
Students must apply through the official portal dids.assam.gov.in, upload required documents, and submit the online form.
