Sarkari Yojana
Aponar Apon Ghar
About Aponar Apon Ghar
The Finance Department, Govt. of Assam, runs “Aponar Apon Ghar”, a Home Loan Subsidy Scheme aimed at fulfilling the “Housing For All” goal by 2022 so that every poor person can own a home. Applicants receive home loans at subsidised interest, and the loan must be taken from a Scheduled Commercial Bank, Regional Rural Bank or the Assam Cooperative Apex bank inside the state. The state government pays a subsidy of ₹ 2,50,000 on home loans of up to ₹ 40,00,000. The subsidy is available only to first-time home buyers who did not take a loan under the earlier Apun Ghar Scheme, and only permanent residents of Assam are covered.
Scheme Overview
State Government
Individual
Scheme Details
Eligibility Requirements
To qualify for Aponar Apon Ghar, applicants must satisfy the following conditions:
Applicants have to be permanent residents of the…
Applicants have to be permanent residents of the state of Assam.
The home loan must be taken from a…
The home loan must be taken from a Scheduled Commercial Bank, Regional Rural Bank or the Assam Cooperative Apex bank within the state.
Total family income of the applicant from every…
Total family income of the applicant from every source must be no more than ₹ 20,00,000.
The home loan must exceed ₹ 5,00,000 and…
The home loan must exceed ₹ 5,00,000 and must have been sanctioned by the bank on or after 1st April 2019.
The loan account must not be classified as…
The loan account must not be classified as NPA (Non Performing Assets).
The house must be the composite family's first…
The house must be the composite family's first home.
Benefits Provided
Aponar Apon Ghar provides the following benefits to eligible applicants:
Home loan range (₹)
Home loan range (₹): 5,00,000 - 10,00,000 Subsidy granted (₹): 1,00,000
Home loan range (₹)
Home loan range (₹): 10,00,000 - 20,00,000 Subsidy granted (₹): 1,50,000
Home loan range (₹)
Home loan range (₹): 20,00,000 - 30,00,000 Subsidy granted (₹): 2,00,000
Home loan range (₹)
Home loan range (₹): 30,00,000 - 40,00,000 Subsidy granted (₹): 2,50,000
Documents Required
Applicants should keep the following documents ready before starting the application:
Evidence of residence in the State of Assam
Evidence of residence in the State of Assam
A valid identity document
A valid identity document
Certificate of family income
Certificate of family income
Particulars of the bank account
Particulars of the bank account
A recent passport size photo
A recent passport size photo
Most recent salary slips
Most recent salary slips
Salary account statement covering the last six months
Salary account statement covering the last six months
No-dues certificate from the current banker where salary…
No-dues certificate from the current banker where salary is credited to a non-SBI account
Evidence of at least five years in service
Evidence of at least five years in service
Statement of personal assets and liabilities in the…
Statement of personal assets and liabilities in the bank's prescribed format
Papers proving ownership of the land
Papers proving ownership of the land
How to Apply
Online Application
Applicants can apply for Aponar Apon Ghar through the online application process outlined below.
Application Portal: Open Application Portal ↗
Go to the official website
Go to the official website. Find the "Click here for Loan Subsidy" section.
Select "Aponar Apon Ghar (Home Loan Subsidy Scheme)",…
Select "Aponar Apon Ghar (Home Loan Subsidy Scheme)", which opens the "Application for Release for Subsidy" page. Complete all compulsory fields. Applicant's Details: Name, Gender, DOB, PAN No., Email ID, Mobile Number, Address. Loan Details: IFSC of Loan Issuing Branch, Bank Name, Branch Name, Account Number, Loan Sanction Amount, Date of Loan Sanction, Property Address.
Upload supporting documents, namely Land Proof, Address Proof…
Upload supporting documents, namely Land Proof, Address Proof and PAN Card Proof. Tick the Declaration and press "Save". Check Application Status:
Open the official website and press "Track" under…
Open the official website and press "Track" under the "Application Tracking" section at the bottom right.
Enter your Mobile Number along with the Loan…
Enter your Mobile Number along with the Loan Account Number or Application Number, then press "Submit".
Exclusions / Who Is Not Eligible
Those who already benefited under the Apon Ghar scheme are not eligible.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.