Aponar Apon Ghar Home Loan Subsidy Scheme

What is the Aponar Apon Ghar Home Loan Subsidy Scheme?

Aponar Apon Ghar is a home loan subsidy scheme of the Finance Department, Government of Assam. According to the scheme page on the Assam state portal, the scheme was framed around the "Housing for All" goal so that families in Assam who take a bank housing loan to buy or build their first house get a one-time capital subsidy from the state government instead of carrying the full loan burden themselves.

Aponar Apon Ghar is the successor to the earlier Apun Ghar scheme, which was built specifically around Assam state government employees taking housing loans from the State Bank of India at a concessional rate with a state interest subvention. Aponar Apon Ghar widened the door: the benefit is available to permanent residents of Assam in general, not only to salaried government staff, and it is paid as a lump-sum subsidy tied to the size of the housing loan rather than as a running interest concession. Readers who search for the scheme as "Apunar Apun Ghar" or "Aponar Apon Ghar Grihar Ronn" are looking at the same scheme.

Key features

• One-time subsidy of Rs 1 lakh to Rs 2.5 lakh, decided by the size of the sanctioned housing loan.
• Subsidy is credited into the borrower's housing loan account, reducing the outstanding principal.
• Loans from Scheduled Commercial Banks, Regional Rural Banks and the Assam Cooperative Apex Bank operating in Assam qualify.
• The house must be the first house of the composite family.

How much subsidy does Aponar Apon Ghar give?

The Assam state portal and the State Level Bankers' Committee (North Eastern States) page for the scheme both publish the same four-slab subsidy table.

Aponar Apon Ghar pays nothing on a loan below Rs 5 lakh, and the subsidy does not increase beyond Rs 2.5 lakh however large the housing loan is. A borrower with a Rs 60 lakh loan therefore gets the same Rs 2.5 lakh as a borrower with a Rs 38 lakh loan, provided the other conditions are met.

The subsidy is a capital subsidy, not an interest subsidy. It is released through Direct Benefit Transfer into the loan account held with the lending bank. Because it lands on the principal, the practical effect for most borrowers is either a shorter loan tenure or a smaller EMI, depending on what the bank does with the prepayment.

Who is eligible for Aponar Apon Ghar?

You can take the benefit if:

• You are a permanent resident of Assam.
• Your housing loan is at least Rs 5 lakh and was sanctioned by a Scheduled Commercial Bank, a Regional Rural Bank or the Assam Cooperative Apex Bank operating inside Assam.
• The loan was sanctioned on or after 1 April 2019.
• The combined income of your composite family from all sources is not more than Rs 20 lakh.
• The house is the first house of your composite family.
• Your loan account is standard, that is, it has not been classified as a non-performing asset.

You cannot apply if:

• You or a member of your composite family has already taken the benefit of the earlier Apun Ghar scheme.
• Your family already owns a house, since the benefit is limited to the first house.
• Your family income from all sources crosses Rs 20 lakh.
• Your housing loan was sanctioned before 1 April 2019.
• Your loan is below Rs 5 lakh, or was taken from a lender outside the approved list, such as a non-banking finance company.
• Your loan account has been declared an NPA.

Two people from the same composite family are not eligible to draw two subsidies. The scheme is framed at family level precisely to stop that.

What documents are required for Aponar Apon Ghar?

Keep a scanned copy of every page of the sanction letter. The single most common verification query is a sanction date that the applicant typed from memory and that does not match the letter.

How to apply for Aponar Apon Ghar

1. Take the housing loan first. The subsidy attaches to an existing sanctioned loan, so there is nothing to apply for until a Scheduled Commercial Bank, a Regional Rural Bank or the Assam Cooperative Apex Bank has sanctioned at least Rs 5 lakh to you.
2. Collect the paperwork listed above: sanction letter, loan statement, Assam residence proof, PAN, Aadhaar and the income declaration for your composite family.
3. Register on the Finance Department's home loan subsidy portal, the online route the Assam state portal names for this scheme, and create a login with your mobile number.
4. Fill the application form with your loan account number, the sanction date, the sanctioned amount, the lending bank and branch, and your family income details. Type the loan account number exactly as it appears on the sanction letter.
5. Upload the scanned documents and submit the form, then save the application or acknowledgement number the portal shows.
6. Follow up with your bank branch. The lending branch has to confirm your loan details and certify that the account is standard. Applications sit unverified when the borrower never tells the branch that a certification request is pending.
7. Track the application with the acknowledgement number, and watch your loan account statement for the subsidy credit once the claim is approved.

If you cannot use the online route, take the same document set to your lending bank branch and ask the branch manager how the branch is forwarding Aponar Apon Ghar claims to the Finance Department for that round.

How do you check the status of an Aponar Apon Ghar application?

Aponar Apon Ghar applications are tracked in two places, and it is worth checking both.

• The subsidy portal, using the acknowledgement number generated when you submitted, tells you whether the application is pending bank verification, verified, approved or rejected.
• Your loan account statement is the final proof. A released subsidy appears as a credit into the loan account, not into your savings account, so a borrower who only watches their savings passbook may miss it entirely.

Why Aponar Apon Ghar applications get rejected

• Loan sanctioned before 1 April 2019. This is a hard cut-off and there is no discretion around it.
• Loan below Rs 5 lakh, which falls under the lowest subsidy slab.
• Family income above Rs 20 lakh from all sources, not just salary.
• Not the first house of the composite family.
• Benefit already taken under the earlier Apun Ghar scheme by the applicant or the family.
• Loan account classified as NPA at the time of verification.
• Bank verification not completed, usually because the branch was never asked to certify the account.
• Mismatch between the sanction letter and the form — wrong account number, wrong sanctioned amount or wrong branch.

Most rejections in the last two categories are fixable. Take the sanction letter to the branch, get the details corrected, and reapply in the next round.

Where do you raise a grievance about Aponar Apon Ghar?

Aponar Apon Ghar is administered by the Finance Department, Government of Assam, so the escalation ladder runs from the lending bank branch, to the bank's lead district manager, and then to the Finance Department. The State Level Bankers' Committee for the North Eastern states publishes the scheme details for banks at slbcne.nic.in, which is a useful reference if a branch official says the scheme does not exist.

No agent, broker or middleman has a role in this scheme. The subsidy is decided by the loan slab and the eligibility conditions, so anyone offering to "get your subsidy sanctioned" for a fee is not part of the process.

What was the earlier Apun Ghar scheme?

Apun Ghar was the predecessor, launched for Assam state government employees who took housing loans from the State Bank of India, and it worked as an interest subvention on the loan rather than a lump-sum capital subsidy. Aponar Apon Ghar replaced that design with the flat four-slab subsidy described above and opened the benefit beyond government service. The two schemes are mutually exclusive: a family that drew the Apun Ghar benefit is expressly barred from Aponar Apon Ghar.