Assam Government has recently taken a good decision to provide various benefits to the different category to the citizen of the state. This time, in the state of Assam, the government is led by the Bhartiya Janta Party. As per the information, the same state government of Assam on 16th June 2026 launched the new Housing Scheme. The scheme title is Aponar Apon Ghar Housing Loan Subsidy Scheme. This scheme is mainly launched to provide financial relief and reduce the burden from the citizen while they are going to purchase or construction the first house for their Families.
Now, in this article, I am going to share everything about this scheme. But if you have more queries for this Aponar Apon Ghar Housing scheme, then you can ask me in the comment box. Stay tuned with this article and collect more information.
Aponar Apon Ghar Housing Loan Subsidy Scheme
This is the time of inflammation, and the cost of everything is very high. The families who belong to the low-income group can only complete their basic needs with their jobs, but they can’t afford their own house. Because the cost of the property and the construction of the House are too costly. But they must have a dream to have their own house for their families. Now to complete their dream of having their new house for the family, the BJP-led state government of Assam has now launched the new Housing loan subsidy scheme with the name of Assam Aponar Apon Ghar Home Scheme.
In this scheme, every family that is going to buy/purchase or construct their first house will get financial assistance from the side of the government. Here below the complete details about the Limit of the Loan amount Sanction, subsidy amount is given below.
| Scheme | Aponar Apon Ghar |
| Category of scheme | Home/Housing Loan Subsidy Scheme |
| Highest Loan amount | Upto 40 Lakhs rupees |
| Subsidy amount | Up to Rs 2.50 Lakhs |
| Department | Finance Department |
| How to apply | Online |
Objective of Aponar Apon Home Loan Subsidy Scheme
While providing this kind of financial assistance to the families of the state, the government has the objective to reduce the burden and provide financial relief to every family. Now, no matter if you are going to purchase the house or want to construct the house, it may be your first new house. Then you will get help from this scheme on the side of the government. This scheme also helps to boost the economic status of the state and boosts the demand for real estate.
What does Aponar Apon Ghar mean?
It is important to understand the scheme. Here Aponar Apon Ghar means Your Own Home. The announcement of this scheme has been made by the Finance Minister Himanta Biswa Sarma. In this scheme, a subsidy of up to Rs 2.5 Lakhs will be given to the families for the loan amount of Rs 5 Lakhs to 40 Lakhs.
Aponar Apon Ghar Housing Loan and Subsidy Amount
The loan range for this scheme is from rupees 5 Lakhs to upto 40 Lakhs and subsidy is given over the loan amount is upto Rs.2.50 Lakhs. For this scheme Loan going to be sanctioned from this financial year, i.e. from 2026-27. Below, I am going to give you the proper loan amount and subsidy amount details in a table.
| Loan amount | Subsidy Amount |
| From 5 Lakhs to 10 Lakhs | Rs. 1 Lakhs |
| From 10 Lakhs to 20 Lakhs | Rs. 1.5 Lakhs |
| 20 Lakhs to 30 Lakhs | Rs. 2 Lakhs |
| From 30 Lakhs to 40 Lakhs | Rs. 2.50 Lakhs |
Eligibility Criteria
- Citizenship: Applicant must be a permanent citizen of the state of Assam.
- Bank Authorised: The loan must be sanctioned from Commercial Banks, Assam Cooperative Banks or Regional Rural banks available in the state of Assam.
- Annual Income: The annual income of the family from all family members is not more than Rs. 20 lakhs.
- Only for First House: This scheme is only implemented for families who are going to construct or purchase their first house for their family.
- Status of the loan account: The loan account of the applicant is not NPA.
Documents Required
- Residence certificate of the Applicant of the state
- ID proof of the applicant
- Family Income certificate showing income from all sources
- Bank account of the applicant
- Photograph in passport size
- Salary details of the last 6 months
- Services certificate
- Land documents on which you are going to construct a house.
Aponar Apon Ghar Housing Loan Subsidy Scheme Apply Online
- Need to visit the official dedicated portal assam.gov.in/scheme-page/224 of the scheme, and here on the home page of the portal, you will get the details about the Loan subsidy scheme.
- Now, in the same section, you get the Aponar Apon Ghar Home Loan Subsidy scheme details and then click on the application form for Subsidy.
- Fill in the applicant’s complete details, then the bank account details with the proper Bank Branch Name, Account Number, IFSC Code, etc., and finally enter the Property details.
- After filling in all the details, you have to upload the documents, accept the form declaration, and then click submit.
- In this way, you apply for the scheme.
How to Check Aponar Apon Ghar Home Loan Subsidy Scheme Application Status
- Again, open the official website of the scheme.
- On the home page, on the right-hand side of the page, the link to the Track application is available. Click on the same.
- Here, the Track application status form opens. Enter your mobile number or application Number and submit.
- The Status of your application Form available here.
Related: Atmanirbhar Assam 3.0
FAQs
The loan amount is disbursed through DBT Mode, i.e. directly in the loan account of the applicant.
Only composite families who are going to buy/purchase or construct their first house for their family.
The Finance Department of the Assam Government.