राज्य स्तरीय बैंकर्स समिति State Level Bankers' Committee
Convenor Bank || North Eastern Region
Convenor Bank || North Eastern Region
"Aponar Apon Ghar" is a Home Loan Subsidy Scheme by the Finance Department, Govt. of Assam. The objective is to realize the vision of “Housing For All” by 2022 so that each poor person may have their own house. All the applicants will get home loans at subsidized interest rates. Applicant must avail of housing loans from any Scheduled Commercial Bank, Regional Rural Bank, or Assam Cooperative Apex bank within the state. The state govt. will provide ₹ 2,50,000 subsidy on home loans up to ₹ 40,00,000. This house loan subsidy is only for those who are purchasing their 1st house and have not availed of loans under the previous Apun Ghar Scheme. The scope of the scheme is limited to the permanent residents of the state of Assam.
| Loan Amount (₹) | Subsidy (₹) |
|---|---|
| 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 |
1. The applicants must be permanent residents of Assam state.
2. The applicants must avail the housing loan from any Scheduled Commercial Bank, Regional Rural Banks, Assam Cooperative Apex bank within the state.
3. The total family income of the applicant (from all sources) must not exceed ₹ 20,00,000.
4. The housing loan must be of more than ₹ 5,00,000 and sanctioned by bank on or after 1st April 2019.
5.The loan accounts must not be under NPA (Non-Performing Assets) status.
6. This must be the first home by the composite family.
Those who already benefited under the Apon Ghar scheme are not eligible.
The Assam state government launched the Apun Bahan Scheme Assam 2024. To provide loans to Government employees in the Assam state so that they can buy motor vehicles The Assam state government launched the Apun Bahan Scheme Assam 2024. Under the scheme, the authorities will charge an interest of 2 % on the purchase of petrol or diesel vehicles and 3% on electric vehicles for male employees and for female employees it is 3% for every vehicle. With the help of the scheme, the official Government employees of Assam state can fulfill their goal of buying a vehicle for themselves.
• The applicant must be a government official in Assam state.
• The applicant must be between the age group of 21 to 53 years.
• The applicant must be serving the Assam state government for 7 years.
• The annual income of the applicant’s family must not exceed INR 3 lakh.
• With the help of the scheme, Government employees can fulfill their dreams of buying a vehicle.
• The government will provide loans to government officials with very little interest.
• The subsidy amount will be transferred directly to the salary account of the applicant.
• The applicants can also repair the amount of the loan with a minimum of 3 years and a maximum of 7 years.
• The maximum loan amount will be either 48 times the net monthly income or₹ 15 lakh, whichever is lower.
• The repayment period of the loan under the Apun Bahan Scheme is 3 to 7 years
Chief Minister Sarbananda Sonowal launched the Assam Abhinandan Education Loan Subsidy Scheme at the Srimanta Sankardev International Auditorium on 26 December 2019 in the presence of Finance Minister Himanta Biswa Sarma, Education Minister Siddharth Bhattacharya, several senior officials of the State Finance Department, and bank officials.
The objective of this scheme is to provide a loan subsidy of up to Rs 50,000 on education loans to students pursuing higher education from good institutions. The Abhinandan Education Loan Subsidy Scheme has been started with the Housing Scheme. Under this scheme, the Government of Assam will provide a one-time subsidy on loans to all students pursuing higher education on education loans. Under the Abhinandan Scheme all major banks, all commercial banks such as Federal Bank and HDFC are included.
In this scheme, the state government will provide subsidy to the family of those students who has taken an education loan of more than Rs 1 lakh. Students getting an education on an education loan can subscribe to this scheme online or offline. Here in this article, you will be given detailed information about the application process, eligibility criteria.
• A subsidy of Rs 50,000 will be provided to students by the Government of Assam on education loans up to Rs 1 lakh
• In this scheme, all the applicant students can apply for the subsidy by paying 25% of their loans.
• Under this scheme, the subsidy can be obtained only on loans taken from commercial banks like Federal Bank and HDFC and regional rural banks like Assam Rural Regional Bank.
• In this scheme, all students have to get financial help by encouraging students on education loans
• It is mandatory for the student to be a permanent resident of the state of Assam.
• The student must have taken a loan from a commercial or rural bank, otherwise, he cannot avail of the benefit of the scheme.
• The bank has been recognized by the Reserve Bank of India.
• The benefit of this scheme can be availed only as a subsidy on education loans.
• It is mandatory for the student’s parents to have an education loan of more than Rs 1 lakh.
Orunodoi’ or Arunodoi Scheme is a new scheme of the Government of Assam is launched on 2nd October 2020. Under ‘Orunodoi’, monetary benefits has been envisaged for more than 24 lac poor household in the state. The schematic benefit has been enhanced from 830/- to Rs. 1000/ Women. They will receive the amount on the first day of every month, starting from October 2020. Women being the primary caretakers of the family are kept as beneficiaries of the scheme. ‘Orunodoi’ scheme will provide Financial Assistance of Rs. 1000 per month through Direct Benefit Transfer (DBT) scheme to around 19.10 Lakh Families in the state.
Government of Assam will provide monthly financial assistance to the eligible beneficiaries for procuring medicines, pulses, and sugar wherein Rs 400 per family per month is to be given to each beneficiary family for procuring medicines for taking care of their health needs, Rs 200 per family per month to provide for 50% subsidy for the 4 Kgs of pulses a family consumes in a month and Rs 80 per month per family which will effectively subsidize 50% of the monthly expenditure they will spend on the 4 Kgs of sugar that they will purchase for the house every month. Separately, Rs 150 per family per month would be provided for the purchase of essential fruits and vegetables over and beyond what they grow in their homestead farms. The medical and nutritional support will have a consolidated inflow of Rs 830 per month to a family.
For More details Orunodoi sCHEME
