Assam Apun Ghar Scheme: The Government of Assam has reintroduced a major housing assistance initiative for its regular employees the Assam Apun Ghar Scheme 2025. As announced by Chief Minister Himanta Biswa Sarma during the state budget presentation, this scheme aims to support eligible state government employees in acquiring their dream homes by offering subsidized home loans through the State Bank of India (SBI).
This article provides a complete overview of the Apun Ghar Housing Scheme, including facilities, benefits, eligibility criteria, required documents, and the application process. Whether you’re a government employee planning to build your first house or seeking subsidized loan benefits, this guide will walk you through everything you need to know.
Assam Apun Ghar Scheme 2025 Overview
| Scheme Name | Assam Apun Ghar Scheme |
| Launched By | Government of Assam |
| Chief Initiator | CM Himanta Biswa Sarma |
| Beneficiaries | Regular State Government Employees |
| Loan Provider | State Bank of India (SBI) |
| Maximum Loan Amount | ₹15 lakh |
| Effective Interest Rate (after subsidy) | 5.0% (Women), 5.05% (Men) |
| Interest Subsidy | 3.5% |
| Application Mode | Offline (via DDOs) |
What is the Assam Apun Ghar Scheme 2025?
The Apun Ghar Scheme is a flagship welfare scheme of the Government of Assam designed exclusively for regular state government employees. Under this scheme, SBI will offer housing loans up to ₹15 lakh at heavily subsidized interest rates.
The key attraction of the scheme is the interest subvention of 3.5%, reducing the effective interest rates to 5.0% for women and 5.05% for men. This interest subvention will make home ownership far more affordable for government employees in Assam.
In essence, the state government bears a significant portion of the interest burden, easing the EMI commitments of employees.
Key Facilities Under Apun Ghar Scheme
Here are the main features and benefits available to applicants under the Assam Apun Ghar Housing Scheme:
- Housing Loans up to ₹15 lakh offered to regular state government employees.
- 3.5% interest subvention provided by the Government of Assam.
- Final interest rates come down to 5.0% for women and 5.05% for men after subsidy.
- No processing fees will be charged by SBI for these loans.
- Check-off facility will be enabled via Drawing and Disbursing Officers (DDOs) to deduct EMI from salary directly.
- Joint loans allowed for close relatives if both are government employees.
- A floating interest rate formula will be applied, allowing employees to benefit from future rate reductions.
- For loans up to ₹10 lakh, no mortgage of property is required (subject to extension by SBI corporate office).
Also Read: SAMARTH Admission Portal 2025 – Assam College Admission Process, Dates, Eligibility
Eligibility Criteria for Assam Apun Ghar Scheme
To be eligible for the Apun Ghar housing loan scheme, applicants must meet the following conditions:
- Employment Status: Must be a regular state government employee of Assam.
- Minimum Age: Applicant should be at least 21 years old.
- Service Tenure:
- Must have at least 5 years of residual service before retirement.
- Maximum repayment period up to:
- 70 years for employees with pensionable service.
- 60 years for employees without pensionable service.
- Loan Tenure: Loan must be fully repaid within the remaining service tenure.
- Application Period: Loan application must be made within 2 years of official notification issuance.
- Mortgage Clause: No mortgage needed for loans up to ₹10 lakh (under review for extension up to ₹15 lakh).
Documents Required for Apun Ghar Housing Loan Scheme
To apply for the Apun Ghar loan, applicants need to submit the following documents through their DDOs:
- Passport-size photograph
- Aadhaar Card
- PAN Card
- State Bank of India (SBI) Account Details
- Latest Salary Certificate
- No Dues Certificate
- 6-month Salary Statement
- Proof of Land/Building Ownership (if applicable)
- Mobile Number for communication
Apun Ghar Scheme Application Process (Offline)
Here is a step-by-step guide to applying for the Apun Ghar Scheme:
- Download the Application Form: You can get the form from your DDO or Click Here to Download Apun Ghar Scheme Application Form.
- Attach Documents: Fill in the form and attach all required documents as listed above.
- Submit via DDO: The completed application must be submitted to the concerned DDO along with a Due and Drawal Salary Statement certified by the DDO.
- Verification and Scrutiny: The DDO forwards the application to the SBI. The bank will then perform due diligence.
- Loan Sanction by SBI: Once the verification is successful, SBI will issue the final loan sanction and disburse the amount as per procedure.
Note: Only employees routed through DDO with complete documentation will be considered for loan approval.
Conclusion
The Assam Apun Ghar Scheme 2025 is a visionary move to ensure housing for every regular state government employee. By drastically lowering the effective home loan interest rate, it empowers employees to invest in permanent housing with minimal financial burden.
If you’re a government servant in Assam dreaming of owning a home, this is the perfect opportunity to turn that dream into reality. Act promptly—download the application form, prepare your documents, and apply through your DDO.
FAQs for Assam Apun Ghar Scheme
What is the last date to apply for the Apun Ghar Scheme?
Applications must be made within 2 years from the issuance date of the government notification.
Is this scheme available for contractual or temporary employees?
No. Only regular state government employees are eligible.
Can two government employees jointly apply?
Yes, close relatives employed by the state government can club their loans under the scheme.
What is the processing fee charged by SBI?
Zero. There is no processing fee under this scheme.
Can the loan tenure go beyond retirement age?
No. The loan must be fully repaid within the retirement age bracket (max 70 or 60 years based on pension status).
