Apun Ghar Loan Scheme 2025 Apply Online, Interest Rate and Eligibility

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Citizens who want to buy their own homes but are tensed about the high-cost home loans, seeing this issue, the state government of Assam has recently launched a new key flagship program named the Apun Ghar Loan Scheme, which aims to provide home loans to the permanent government and corporate employees of the state who want to buy their own homes. The authorities administered under the Assam government have increased the loan amount under the Apun Ghar Loan Scheme to make it easier for state employees and citizens to purchase their own homes.

The loan amount under the scheme has been increased from ₹ 15 lakh to ₹ 30 lakh. The scheme is designed to help employees purchase their homes through affordable loans. Let’s explore everything you need to know about this scheme in simple and easy-to-understand language.

Table of Contents

What is the Apun Ghar Loan Scheme?

The Apun Ghar Loan Scheme was launched by the state government of Assam in the year 2017 under the administration of the Finance Department of the state government. The scheme was implemented to provide affordable home loans to the permanent employees of Assam state. If you are working for the government service, the scheme will make the loan much cheaper than usual. The government of Assam has distributed a huge amount of INR 5663 crores under the Apun Ghar Loan Scheme the government.

Your home loan becomes much cheaper as the government of the state will provide a subsidy of 3.5% interest. This is a broader initiative through which you will get help in buying your very first house. The government also provides more flexibility, allowing them to continue repayment of the loan until they have retired.

Objective Of the Apun Ghar Loan Scheme

The Apun Ghar Loan Scheme aimed at the permanent employees of the state of Assam to make house purchasing more affordable by providing the employees with a low-interest loan for their houses.
The government wants to give a secure and safe home by giving a significant interest subsidy, by reducing the burden of high-interest rates on home loans.
The government, through cooperating with Banks such as SBI, aims to create trouble-free and subsequently streamlined processes to enable employees to avail the home loans.
The government implemented this scheme to make its employees feel good about their work and less worried about their future. This not only bounces them for service but also develops a positive attitude of society towards the government services.

Read More- PMAY-G Permanent Waiting List Assam 2025

Key Points of The Apun Ghar Loan Scheme

Name of he scheme	Apun Ghar Loan Scheme
Who launched	Government of Assam
Year	2025
Objective	Provide Affordable loans
Beneficiaries	Employee of the state
Eligibility criteria	The applicant must be a permanent employee.
Benefit	Affordable home loans
Application procedure	Online
Official website	https://finance.assam.gov.in/

Benefits of The Apun Ghar Loan Scheme

Under the program Apun Ghar Loan Scheme, the government aims to provide low-interest loans to employees with a 3.5% interest subsidy, which is one of the biggest benefits.
The interest rate is just 5% for the women employees of the state, and for men, it is only 5.05%.
The government offers more flexibility for the repayment of the loan, that is, an employee can repay the loan until retirement.
Unlike other home loans, there is no application charge while availing the loan.
The loan can be used to construct a new house, buy a plot, and then build on it, or buy a ready-made flat.

Eligibility Criteria

Here is the simple breakdown of eligibility criteria for the Apun Ghar Loan Scheme:

The applicant must be a permanent and regular employee of the government of Assam.
A minimum of 5 years of service is a must.
The employee must be at least 21 years old.
For employees with a non-pensionable service, you must be able to repay the loan by the time you reach 60 years of age.

Document Required

Passport-size photographs
Aadhar Card
Mobile Number
Electricity bill
Resident Proof
PAN Card
Domicile certificate

How To Apply For The Apun Ghar Loan Scheme

Here is a step-by-step guide to help you apply for the Apun Ghar Loan Scheme.

After meeting the eligibility criteria, all the applicants have to visit the official website of the scheme https://finance.assam.gov.in/
After getting to the homepage, you have to locate the option “Apun Ghar Form For Home Loan” and click on it.
A new page will appear in front of you. You must print it out in a physical form.
After getting the printout of the application form, you must fill in the required details in the form and attach all the instructed documents with the application form.
After entering all the details, you have to check it quickly, and you have to reach the concerned office and submit it there.

FAQs

Who is eligible for the Apun Ghar Loan Scheme?

All the permanent regular employees of the government of Assam state are eligible for the Apun Ghar Loan Scheme.

How much time can an employee repay the loan under the Apun Ghar Loan Scheme?

In the case of pensionable service, an employee can repay the loan amount until he or she retires. In the case of non-pensionable service, a candidate should repay all the loans by the time they reach 60 years of age.