Aponar Apon Ghar Scheme Assam – Benefits, Eligibility & How to Apply
Buying your first home is a dream for many. To make this dream come true for the people of Assam, the Government of Assam launched the Aponar Apon Ghar Scheme. This scheme offers a home loan subsidy to first-time buyers in Assam. Whether you’re planning to buy a house in Guwahati or in a rural district, this scheme can save you lakhs of rupees.
In this article, we’ll explain everything you need to know about the Aponar Apon Ghar Scheme—its benefits, eligibility, how to apply, latest updates, and the difference between Aponar Apon Ghar and the earlier Apun Ghar scheme.
What is Aponar Apon Ghar Scheme?
The Aponar Apon Ghar Scheme was launched by the Finance Department of the Government of Assam as part of the “Housing for All” mission. It aims to support first-time home buyers by providing them a subsidy on home loans.
Key Objective:
To make housing affordable for every family in Assam by offering financial help in the form of direct subsidy on home loan amounts.
Launch Date:
The scheme applies to home loans sanctioned on or after April 1, 2019.
Aponar Apon Ghar Scheme Highlights & Benefits
Under this scheme, the Assam Government provides a fixed amount of loan subsidy based on the size of your home loan. Here are the details:
| Loan Amount (₹) | Subsidy Offered (₹) |
|---|---|
| ₹ 5,00,000 – ₹ 10,00,000 | ₹ 1,00,000 |
| ₹ 10,00,000 – ₹ 20,00,000 | ₹ 1,50,000 |
| ₹ 20,00,000 – ₹ 30,00,000 | ₹ 2,00,000 |
| ₹ 30,00,000 – ₹ 40,00,000 | ₹ 2,50,000 (Maximum Subsidy) |
- Maximum subsidy is ₹ 2.5 lakh
- Minimum loan amount to qualify: ₹ 5 lakh
- The subsidy is one-time and direct-to-bank
This helps reduce your loan burden and makes EMI payments easier for middle-class families.
Who is Eligible for the Scheme?
To apply under the Aponar Apon Ghar Scheme, you must meet these eligibility criteria:
- Resident of Assam: You must be a permanent resident of Assam.
- First-time Home Buyer: You (and your family) must be buying your first home. If you already own a house or have availed any earlier home subsidy (like Apun Ghar), you cannot apply.
- Income Limit: Your total annual family income should be less than or equal to ₹ 20 lakh.
- Loan Sanction Date: The home loan must be sanctioned on or after April 1, 2019.
- Loan Provider: The loan should be from:
- Scheduled Commercial Bank
- Regional Rural Bank
- Assam Cooperative Apex Bank
- NPA Status: The loan must not be in Non-Performing Asset (NPA) status when sanctioned.
Difference Between Apun Ghar and Aponar Apon Ghar
Many people confuse these two schemes. Here’s how they are different:
| Feature | Apun Ghar | Aponar Apon Ghar |
|---|---|---|
| Who can Apply? | State Government Employees | General Public (Residents of Assam) |
| Type of Benefit | Interest Subvention (3.5% on ₹15 lakh loan) | Fixed Loan Subsidy (up to ₹2.5 lakh) |
| Purpose | Reduce EMI by lowering interest | Lower principal burden by direct subsidy |
| Effective Interest Rate | ~5% after subsidy | Interest as per bank, but with upfront subsidy |
| Loan Limit for Benefit | Up to ₹15 lakh | Up to ₹40 lakh |
You cannot benefit from both Apun Ghar and Aponar Apon Ghar. If you already availed Apun Ghar, you are not eligible for Aponar Apon Ghar.
As of June 2025, the Assam Cabinet has made some important changes to extend the benefits of both Aponar Apon Ghar and Apun Bahan schemes.
New Beneficiaries Now Included:
- Contractual staff
- Employees of PSUs and societies
- Workers under NHM, APDCL, AEGCL, and similar organizations
- Extended age limit: Up to 60 years
This move is expected to benefit thousands of middle-class employees who were earlier left out due to job type or age.
How to Apply for Aponar Apon Ghar Scheme
The application process is fully online and can be completed in just a few steps:
Step 1: Visit Official Assam Finance Website
- Go to the Assam Government’s Finance Department Portal
- Search for the “Aponar Apon Ghar” scheme section
Step 2: Fill the Online Application Form
You need to provide:
- Your Name
- PAN Card number
- Bank IFSC Code
- Property Details (address, area)
- Loan Sanction Details (amount, date, bank name)
Step 3: Upload Documents
Keep scanned copies of the following:
- Proof of residence in Assam (Voter ID / Domicile Certificate)
- Income certificate (issued by competent authority)
- Aadhaar card or PAN card (for identity)
- Loan sanction letter from bank
- Property registration papers or land documents
- Salary slips or income statements
Step 4: Submit and Save Acknowledgment
After submission, you will receive an Application Number. Save it for future tracking.
How to Track Your Application
Tracking is very simple.
- Visit the Assam Finance portal
- Go to “Application Tracking” section
- Enter your Mobile Number and Application Number
- Click Submit to check your status
You will get the real-time status of your subsidy application.
Why You Should Apply: Real-Life Savings
Let’s look at an example:
Mr. Das from Dibrugarh took a home loan of ₹30 lakh in 2024.
Under the Aponar Apon Ghar scheme, he received a subsidy of ₹2 lakh.
This helped him reduce his outstanding loan to ₹28 lakh and cut down his monthly EMI by nearly ₹1,500 per month.
Over 20 years, this subsidy saves not just ₹2 lakh, but also the interest he would have paid on that amount.
Conclusion
The Aponar Apon Ghar Scheme is a wonderful initiative by the Assam Government to help people own their first home. With a subsidy of up to ₹2.5 lakh, this scheme reduces your home loan burden significantly.
Whether you’re a salaried employee, a small business owner, or a government worker, if you’re a resident of Assam and planning to buy your first home, don’t miss out on this opportunity.
F.A.Q.
– Can I apply if I took a loan in 2025?
Yes, if your home loan was sanctioned on or after April 1, 2019.
– I work in a private company. Can I apply?
Yes. This scheme is for the general public, not just government employees.
– Do I need to repay the subsidy amount?
No. The subsidy is a grant, not a loan. You don’t need to repay it.
– Is the subsidy applicable to home construction too?
Yes. Whether you are buying a ready house or constructing your own, the scheme applies.
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