Assam Apun Ghar Scheme 2025 – Aplication Form & Eligibility Criteria

Assam Apun Ghar Scheme 2025: According to a statement in the budget, the Assam government has decided to provide home loans to ordinary state government employees. In this post, we’ll look at the Assam Apun Ghar Scheme, which provides ordinary state government employees with a housing loan. Read this article to discover more about the SBI Apun Ghar Scheme, including the application form and last date.

Assam Apun Ghar Scheme 2025 Overview

Shri Himanta Biswa Sharma, the Chief Minister of Assam, has decided to reintroduce the Apun Ghar Scheme for regular state government employees. The State Government has agreed to grant loans to State Government Employees via the State Bank of India.

The State Bank of India has recommended giving home loans to State Government employees at interest rates of 8.50% for women and 8.55% for males. The government has decided to grant an interest subsidy of 3.5%, and after applying for this subsidy, employees will be able to obtain house loans of up to Rs 15.00 lakh at 5.0% (for women) and 5.05% (for men).

Assam Apun Ghar Scheme 2025 Details

Assam Apun Ghar Scheme Facilities

• To provide hosting loans to regular state government employees.
• To provide a 3.5% interest subsidy on housing loans to both men and women.
• No processing fees will be applied to state government employees for housing loans.
• The DDOs of the concerned employees would provide a check-off feature for the recovery of interest and principal.
• Close relatives who work for the Assam government can apply for a house loan together. The government would provide an interest subsidy on loans pooled together up to the allowed level.
• A suitable formula will be developed using a floating rate as a basis, ensuring that employees receive appropriate benefits in the case of a future interest rate reduction.

Assam Apun Ghar Scheme Eligibility Criteria

• Applicants must be regular government employees to benefit from the scheme.
• For loans of up to Rs 10.00 lakh, no property mortgage is required. However, SBI has sent the matter to their corporate center in order to increase the margin to Rs. 15.00 lakh.
• The benefits of interest subvention will be offered to eligible employees who apply for a housing loan within two years following the issuance of the Government Office Memorandum/Notification.
• A minimum of 21 years and at least 5 years of residual service will be required for the loan plan, with a maximum of 70 years for employees with pensionable service and 60 years for non-pensionable service holders, by which time the loan should be entirely returned.

Assam Apun Ghar Scheme Required Document

• Passport Size Photo
• Aadhar Card
• Pan Card
• State Bank Account 
• Latest Salary Certificate 
• No Dues Certificate 
• 6 month Salary Statement 
• Land or Building Ownership 
• Mobile Number 

Apun Ghar Loan Scheme Application Process 2025

Step 1: To take advantage of the benefits of this scheme, all applicants who meet the qualifying requirements should visit the official Apun Ghar Loan website and complete the application form.

Step 2: Once on the official website’s homepage, the applicant must select the APPLICATION FORM FOR HOME LOAN option.

Step 3: The PDF file of the application form will display on your desktop screen; the applicant must then print the document.

Step 4: After printing the application form, the applicant must fill out all of the requested information and attach any essential papers.

Step 5: After successfully completing the application form, the applicant must submit it to the appropriate government official.

Assam Apun Ghar Scheme Application Form

Employees will submit application forms via DDOS, together with a complete set of papers in accordance with SBI’s checklist and application format. The format thus customized shall include a due and drawal statement of salary of the government employee (applicant), which will be appropriately filled up and certified in the format itself by the DDO concerned. SBI will conduct the necessary due diligence and examination, and the SBI team will make the ultimate decision based on the proposal. Click here to download the Apun Bahan Scheme application form.

Assam Apun Ghar Scheme Important Link