Assam government has extended Apun Ghar Interest Subvention Scheme till 31 July 2026 with the home loan ceiling raised from ₹15 lakh to ₹30 lakh for permanent state government employees. This gives eligible employees more room to buy or build their own house under the state's main housing support scheme run through State Bank of India.
Under this scheme, eligible employees get 1% interest subvention from the Assam government, bringing the effective SBI home loan rate down to 5% for women and 5.05% for men. Loans up to ₹10 lakh need no property mortgage, and the reduced rate stays valid for 240 EMIs, i.e., 20 years.
Apun Ghar Interest Subvention Scheme 2026 Overview
Apun Ghar was launched by the Assam government after the 2016-17 budget announcement to help permanent state government employees own a house. State signed an MoU with SBI, which is the only bank that gives loans under this scheme. You can use the loan to buy a new house or flat, build one on your own land, purchase an existing property, or take over an existing home loan from another bank.
Assam Cabinet has raised the loan ceiling from ₹15 lakh to ₹30 lakh for new applicants who plan to buy or build a house or flat within Assam. Employees who already got this benefit earlier continue with their old terms. Rest of the scheme conditions remain the same.
What Has Changed in 2026
Main change is the doubling of the loan limit from ₹15 lakh to ₹30 lakh. Second, the interest subvention rate is now 1% (earlier 3.5%), but the effective rate for the borrower stays at 5% for women and 5.05% for men because SBI's base home loan rate has come down over the years. Third, the scheme has been extended till 31 July 2026, so employees can apply within this window. Assam also runs a sister vehicle loan scheme with similar subvention, see the Apun Bahan Scheme for details.
Key Details of Apun Ghar Scheme
| Detail | Information |
|---|---|
| Scheme Name | Apun Ghar Interest Subvention Scheme for Housing Loan |
| Launched By | Government of Assam |
| Partner Bank | State Bank of India (SBI) |
| Eligible People | Permanent Assam state government employees |
| Maximum Loan | ₹30 lakh (for new applicants) |
| Interest Subvention | 1% by state government |
| Effective Interest Rate | 5% for women, 5.05% for men |
| Loan Tenure | Up to 240 EMIs (20 years) |
| Current Deadline | 31 July 2026 |
| Official Website | finance.assam.gov.in |
Apun Ghar Home Loan Benefits
State provides 1% interest subvention on your SBI home loan up to ₹30 lakh, which brings your effective rate to 5% for women and 5.05% for men. Subsidy is credited straight to your salary account, and your EMIs are auto-recovered from the same account. No processing fee is charged by SBI on loans given under this scheme.
Pensionable employees can stretch repayment till the age of 70, so EMIs stay heavier during service years and become easier after retirement. For non-pensionable employees, the repayment can go up to the age of 60.
You do not need to mortgage the property for loans up to ₹10 lakh. SBI runs a dedicated cell for Apun Ghar cases to speed up documentation and loan disbursal. Your new house or flat also gets covered by insurance against fire, riots, earthquakes, lightning and floods.
Who Can Apply
You should be a permanent employee of the Assam state government with at least 5 years of remaining service. Minimum age at the time of application is 21 years. For pensionable service, maximum age can go up to 70; for non-pensionable roles, the cap is 60.
If your salary account is not with SBI, you have to submit a No Dues Certificate from your current bank. Where both husband and wife (or close relatives) are Assam state government employees, they can apply jointly for a bigger loan amount, but the subsidy cap still applies to the combined loan.
Benefit is available only once in your career. If you have already got this benefit earlier, you cannot apply again. Also, buying ancestral land from close relatives like parents or siblings is not covered under this scheme.
How to Apply for Apun Ghar Home Loan
Application goes through your Drawing and Disbursing Officer (DDO) and then to SBI. Steps are as below.
STEP 1 - Read the scheme details and download the application form from the Assam Finance Department website at finance.assam.gov.in. You can also get the official application form in PDF format.
STEP 2 - Fill the application form with your personal details, service details, and the property or construction details for which you want the loan.
STEP 3 - Submit the filled form to your DDO along with your salary certificate, grade details, date of joining and expected date of retirement.
STEP 4 - Your DDO checks your form, records it, and forwards your case to the designated SBI Apun Ghar cell.
STEP 5 - SBI Apun Ghar cell reviews the application, verifies documents, and sanctions the loan amount.
STEP 6 - After sanction, your file moves to the SBI branch near your workplace or property for documentation and loan disbursal.
Documents Required
Keep the following documents ready before you apply so the process moves fast at both DDO and SBI ends.
- Five passport-size photographs of the applicant.
- Identity proof such as PAN card, Voter ID or your official Identity Card.
- Residence proof like electricity bill or landline bill (under 2 months old) or SBI passbook.
- Form 16 for the last 2 years to show your income and tax record.
- Latest salary certificate certified by your DDO.
- Salary statements of the last 6 months, needed if your account is not with SBI.
- No Dues Certificate from your current banker.
- Personal Assets and Liabilities statement in the SBI format.
- Ownership documents of the land or building, e.g., Jamabandi copy.
References
FAQ's
What is the current loan limit under Apun Ghar scheme?
Loan ceiling for new applicants is now ₹30 lakh, doubled from the earlier ₹15 lakh. Employees who already got this benefit earlier continue with their old loan terms.
Till when has the Apun Ghar scheme been extended?
Assam government has extended the scheme till 31 July 2026 for fresh applications.
What is the effective home loan interest rate under this scheme?
After 1% subvention from the state, the effective SBI rate comes to 5% per year for women employees and 5.05% per year for men employees.
Which bank gives loans under Apun Ghar scheme?
Only State Bank of India (SBI) gives home loans under this scheme, as per the MoU signed with the Assam government.
Is property mortgage required for the loan?
Property mortgage is not required for loans up to ₹10 lakh. For higher amounts, SBI takes an equitable mortgage of the property.
Can I apply for Apun Ghar more than once?
No, this benefit is available only once in your career, so use it wisely.
Is my new house insured under this scheme?
Yes, the house or flat financed through Apun Ghar is insured against fire, riots, earthquakes, lightning and floods.
How are complaints handled under this scheme?
You can approach the grievance help cell at your SBI regional business office or the Local Head Office in Guwahati.