Aponar Apon Ghar | India Gov Schemes

Key facts

Benefit	₹2,50,000 subsidy on home loans up to ₹40,00,000
Who	Permanent residents of Assam
Income limit	₹20,00,000
Implemented by	Finance Department, Govt. of Assam
Official portal	finance.assam.gov.in
Application window	Open all year for eligible applicants.

Benefits

Beneficiaries receive a subsidy of up to ₹250,000 on home loans of up to ₹4,000,000, making housing more affordable.

Who can apply

Household income ≤ ₹20,00,000/year
Resident of Assam
not income tax payer
no government employee in family
poor household

Applicants must be permanent residents of Assam with a total family income not exceeding ₹2,000,000. They should not be income tax payers, government employees, or have previously benefited from the Apon Ghar scheme.

Who is not eligible

Existing beneficiaries of Apon Ghar scheme

How to apply

Applications must be submitted online through the official website of the Assam Finance Department.

Visit the official website and navigate to the 'Click here for Loan Subsidy' section.
Select 'Aponar Apon Ghar (Home Loan Subsidy Scheme)' to access the application form.
Fill in all required details including personal and loan information.
Upload necessary documents such as residence proof and identity proof.
Review the declaration and click 'Save' to submit the application.
To track your application, visit the website and click 'Track' in the 'Application Tracking' section.
Enter your mobile number and loan account or application number, then click 'Submit'.

Apply on the official website ↗

Documents required

Residence Proof of Assam State
Proof of Identity
Income Certificate
Bank Account Details
Passport Size Photograph
Latest Salary Slips
Statement of Salary Account for the Past Six Months
No Dues Salary From the Existing Banker if the Salary is Credited in Other Than SBI Account
Proof of Being in Service for a Minimum of Five Years
Statement of Personal Assets and Liabilities in Bank’s Format
Documents Evidencing the Ownership of Land

Common problems and how to fix them

Problem	What to do
Application rejected	Ensure all required documents are submitted and eligibility criteria are met before reapplying.
Payment not received	Check the application status on the official portal to confirm if the subsidy has been processed.

Frequently asked questions

Who manages the Aponar Apon Ghar scheme?

The scheme is managed by the Finance Department of the Government of Assam.

What is the maximum subsidy amount available?

The maximum subsidy provided under this scheme is ₹250,000 for home loans up to ₹4,000,000.

Can I apply for this subsidy if my family income exceeds ₹2,000,000?

No, applicants must have a total family income from all sources not exceeding ₹2,000,000 to be eligible.

Is this subsidy available for purchasing a second home?

No, the subsidy is only available for the purchase of the first home and not for subsequent properties.

What documents are required to apply?

Required documents include residence proof, identity proof, income certificate, bank account details, and others as specified in the guidelines.

Can I apply offline for this scheme?

No, applications for the Aponar Apon Ghar scheme must be submitted online only.

Always confirm the latest details on the official portal before applying.