Aponar Apon Ghar Home Loan Subsidy Scheme 2026: Apply Online for Up to ₹2.5 Lakh Subsidy

Assam government's Aponar Apon Ghar home loan subsidy scheme is accepting online applications for permanent residents who want to buy or build their first house. Under this scheme, the state government provides a subsidy of up to ₹2.5 lakh on home loans up to ₹40 lakh. This house loan subsidy is only for those who are purchasing their first house and have not availed loans under the previous Apun Ghar Scheme.

Aponar Apon Ghar is an extension of the earlier Apun Ghar Home Loan Scheme. Under the previous Apun Ghar scheme, the state government was providing an interest subsidy of 3.5% for government employees on home loans up to ₹15 lakh taken for a 20 year duration. The new Aponar Apon Ghar scheme widens this support to permanent residents of Assam who are buying their first home.

The main aim of Aponar Apon Ghar scheme is to support the vision of "Housing For All" so that every eligible family can own a house. In the 2026-27 state Budget, Finance Minister Jayanta Kumar Baruah announced the extension of the Apon Ghar scheme for another five years and raised the maximum eligible home loan to ₹50 lakh in urban areas. So far, 52,034 government employees have availed housing loans worth over ₹8,300 crore under this scheme, with ₹707 crore given as interest subsidy.

Aponar Apon Ghar Scheme Online Application Process

Here is the complete process to register and apply online for Aponar Apon Ghar home loan subsidy scheme:-

STEP 1 - Visit the official website of Assam government at https://assam.gov.in/aponar-apon-ghar-home-loan-subsidy-scheme and open the Aponar Apon Ghar Home Loan Subsidy Scheme page.

STEP 2 - On the scheme page, click the "Apply" or "Click here for Loan Subsidy" link under Aponar Apon Ghar (Home Loan Subsidy Scheme). This section offers financial relief to the people of Assam and eases access to housing loans for purchase or construction of the first house for the family.

STEP 3 - The Aponar Apon Ghar Scheme online application form will appear as shown below:-

STEP 4 - Enter all the required details accurately in the form and upload supporting documents like loan proof, address proof and PAN card proof. Click the "Save" button to complete the application process.

To check the application status, use the "Application Tracking" option on the portal and submit the mobile number along with the loan account or application number.

Aponar Apon Ghar Scheme Highlights

Loan / Subsidy Amount in Aponar Apon Ghar Scheme

The loan amount and the subsidy on it which can be availed under Aponar Apon Ghar scheme is given in the table below:-

The subsidy amount is paid through DBT (Direct Benefit Transfer) directly into the loan account of the loanee.

Aponar Apon Ghar Scheme Eligibility

The applicants must fulfill the eligibility criteria for Aponar Apon Ghar scheme:-

• Applicants must be a permanent resident of Assam state.
• Applicant must avail housing loans from any Scheduled Commercial Bank, Regional Rural Banks, or Assam Cooperative Apex Bank within the state.
• The total family income from all sources must not exceed ₹20 lakh.
• Housing loans must be of more than ₹5 lakh and sanctioned by the bank on or after 1 April 2019.
• Those already benefited under the Apun Ghar scheme are not eligible.
• Loan accounts must not be under NPA (Non Performing Assets) status.
• This must be the first home by the composite family.

Documents Required

Keep these documents ready while filling the online application form:-

• Proof of permanent residency in Assam, like a domicile certificate or PRC.
• Identity proof such as Aadhaar card, Voter ID or PAN card.
• Income certificate or recent salary slips.
• Bank account statement for the past six months.
• Official home loan sanction letter from the bank.
• Land ownership documents or registered sale agreement.

For any further support, contact the Technical Support at e-Mail Id subsidyloanassam@gmail.com.

FAQ's

What is the maximum subsidy under Aponar Apon Ghar?

The maximum subsidy provided by Assam government is ₹2.5 lakh. This upper limit applies to approved home loans between ₹30 lakh and ₹40 lakh.

Can I apply for this scheme offline?

The application process for the subsidy is managed online through the official Assam government portal. However, the initial home loan has to be taken from a bank branch in person.

Can multiple family members apply separately?

No. The scheme requires that this must be the first home owned by the composite family. If one member already owns a pucca house or has availed the subsidy, other members are not eligible.

For further information on Aponar Apon Ghar home loan subsidy scheme, visit the official website at https://assam.gov.in/scheme-page/224