Apon Ghar Home Loan Scheme 2026 for Assam Govt. Employees - Apply Online

Apon Ghar is a home loan scheme for Assam Government employees under which housing loans are provided at subsidized interest rates. Assam government runs the scheme through State Bank of India and has extended it for another five years in the 2026-27 state budget.

Under the scheme, regular state government employees can get home loans at a lower interest rate because the government pays an interest subsidy on the loan. The scheme has already helped more than 52,000 employees buy or build their own house.

Apon Ghar Home Loan Scheme - Introduction

Apon Ghar, also written as Apun Ghar, is an interest subvention scheme for housing loans meant for regular state government employees of Assam. The government pays a part of the interest on the home loan, which brings down the monthly EMI for the employee. The loan is provided through State Bank of India.

In the 2026-27 state budget, Finance Minister Jayanta Malla Baruah announced that the scheme will continue for another five years. The maximum eligible housing loan for employees buying a home in urban areas has been raised to Rs 50 lakh. Earlier the loan limit was Rs 15 lakh, which was later increased to Rs 30 lakh.

So far, 52,034 government employees have availed housing loans worth more than Rs 8,300 crore under the scheme. The government has provided Rs 707 crore as interest subsidy to help these employees.

Apon Ghar Home Loan - Highlights

Interest Rates and Subsidy

Under the current terms of the scheme, the government provides an interest subsidy of 1 percent on the home loan. This subsidy is paid directly to the bank, which lowers the effective interest rate for the employee. The exact rate of interest depends on the prevailing SBI home loan rate at the time of sanction.

The interest subsidy is available on the eligible loan amount. If an employee takes a loan higher than the eligible limit, the subsidy applies only up to the prescribed limit.

Eligibility for Apon Ghar Home Loan Scheme

Apon Ghar home loan scheme is meant for regular state government employees of Assam. The employees who can apply under the scheme are those who:

• Are permanent residents of Assam and regular state government employees.
• Have a minimum age of 21 years.
• Have at least five years of service remaining before retirement.
• For pensionable staff, the loan tenure can go up to the age of 70 years. For non-pensionable staff, the maximum age is 60 years.

Employees who have already taken a home loan from SBI at normal rates can also switch over to the subsidized loan under the scheme.

How to Apply for Apon Ghar Home Loan

Employees who want to take a home loan under the scheme need to follow the steps given below.

STEP 1 - Download the Apon Ghar home loan application form from the official website of the Finance Department of Assam at finance.assam.gov.in.

STEP 2 - Fill in the application form with personal details, employment information, salary structure and property details.

STEP 3 - Attach all the required documents with the application form.

STEP 4 - Submit the completed application form to the Drawing and Disbursing Officer (DDO) of your department.

STEP 5 - The DDO will verify the details and forward the application to the bank. After verification, the bank will sanction the loan and the interest subsidy will be linked to the loan account.

Apon Ghar Assam Home Loan Scheme Application Form

The application form for the Apon Ghar scheme can be downloaded from the official website of the Finance Department of Assam. Employees submit the filled form through their DDO along with the required documents.

Download Apon Ghar Application Form through the link - https://finance.assam.gov.in/schemes/detail/apun-ghar

Direct Link for Home Loan Application - https://finance.assam.gov.in/sites/default/files/APPLICATION%20FORM%20FOR%20HOME%20LOAN_2.pdf

Below is the snapshot of the application form.

All the arrangements have been made by the government and SBI to make sure loans are given without any hassle. Employees do not need to submit piles of documents. They simply submit the application to their Drawing and Disbursing Officer (DDO), who forwards it to SBI for processing. No processing fee is charged from the applicant.

Also Read - Aponar Apon Ghar Home Loan Subsidy Scheme

List of Documents Required for Apon Ghar Home Loan

Below is the complete list of documents required to avail a home loan under the Apon Ghar home loan scheme.

• 5 copies of passport size photograph.
• Any one of the following for identification: Aadhaar card / PAN card / Voter ID / Identity card.
• Any of the following documents for proof of residence: electricity bill / landline telephone bill / passport / SBI account passbook with updated address.
• Form 16 of the last 2 years.
• Latest salary slip with all deductions duly certified by the DDO.
• Last 6 month statement of the salary account.
• No dues certificate from the bank if the salary is not credited in an SBI account.
• Personal assets and liabilities statement in the bank's format.
• Documents evidencing the ownership of land/building to be purchased or constructed, such as Jamabandi copy.

The loan provided under the Apon Ghar scheme is sanctioned in the name of the government employee or his/her spouse. There is no need to mortgage property for a home loan up to Rs 10 lakh. No processing fee is charged from state government employees for a housing loan under the scheme.

FAQ's

What is the Apon Ghar home loan scheme?

Apon Ghar is a home loan scheme for regular state government employees of Assam under which the government pays an interest subsidy on the housing loan, bringing down the effective interest rate.

How much home loan can I get under the scheme?

The maximum eligible housing loan has been raised to Rs 50 lakh for employees buying a home in urban areas. The loan limit for other areas is lower.

Who is eligible for the Apon Ghar scheme?

Regular state government employees of Assam who are permanent residents, aged at least 21 years, and have at least five years of service remaining are eligible to apply.

How do I apply for the Apon Ghar home loan?

Download the application form from the official website finance.assam.gov.in, fill it in, attach the required documents and submit it to your Drawing and Disbursing Officer (DDO).