In order to give government workers financial support for the purchase of motor vehicles, the Assam state government launched the Apun Bahan Scheme Assam 2025. This program makes it easier for state employees to buy a car by providing low interest, affordable loans.
The type of car and the applicant’s gender determine the interest rate under this plan. Male employees have to pay an interest of 2% for petrol or diesel vehicles and 3% for electric vehicles, while female employees pay a fixed 3% interest rate on all vehicle types.
Apun Bahan Scheme Assam 2025
The primary goal of this scheme is to allow government officials in Assam to own a vehicle without facing financial burden. By providing loans at highly subsidized interest rates, the scheme ensure that employees can purchase their desired vehicle without paying high interest rate.
Additionally, the government provides subsidies that are directly transferred to the salary accounts of eligible applicants. For more updates regarding the Scheme, Government employees should regularly monitor the official portal of Assam Apun Bahan Scheme.
Assam Apun Bahan Scheme 2025 Overview
| Authority | Finance Department, Government of Assam |
| Program Name | Apun Bahan Scheme Assam 2025 |
| Scheme Type | Vehicle Loan Subsidy Scheme |
| Applicable In | Assam, India |
| Loan Amount | Up to ₹15 lakh or 48x net monthly salary |
| Interest Rates | 2% and 3% |
| Repayment Period | 3 to 7 years (flexible) |
| Category | Latest News |
| Official Website | https://slbcne.nic.in/ |
Eligibility for Assam Apun Bahan Scheme
Applicants must fulfill the qualifying criteria set by authorities in order to be eligible for the Apun Bahan Scheme Assam 2025. The scheme is only available to government employees working in Assam.
Candidates must have worked for the Assam state government for at least seven years and be between the ages of 21 to 53. Additionally, the applicant’s family income cannot be higher than INR 3 lakh per year in order to avail scheme benefits.
Key Benefits for Government Employees
- The Apun Bahan Yojana provides numerous advantages to government employees in Assam.
- One of the primary benefits is the ability to buy a personal vehicle with financial support from the government.
- The Apun Bahan program provides loans with significantly lower interest rates, which makes repayment easier.
- Furthermore, the scheme’s subsidies are credited directly to the applicant’s salary account, ensuring an easy application process.
- Another major benefit is the flexible repayment period, allowing employees to repay the loan over a period of 3 to 7 years based on their ability to pay.
Loan Amount and Easy Application Process
The maximum loan amount under the Apun Bahan Scheme is INR 15 lakh or 48 times the applicant’s net monthly income, whichever is less. Employees of the government must apply for the program via their Drawing and Disbursing Officers (DDOs). The first step in the procedure is gathering the necessary documents, such as proof of identity, paychecks, and proof of address.
The DDO will verify these documents and send them to the relevant bank after receiving them along with the application form. The applicant’s eligibility is next evaluated by the bank officials. The loan amount is transferred directly to the applicant’s salary account if they are determined to be eligible.
Flexible Loan Repayment and Helpline Support
- Applicants can select a repayment plan that best suits their financial situation from a range of 3 to 7 years for loans obtained under the Apun Bahan Scheme.
- This flexibility makes sure government employees do not face financial burden while repaying their loans.
- For further questions or assistance regarding the scheme, applicants can reach out to the helpline at 781006.
FAQs
Who is eligible for the Apun Bahan Scheme?
Assam government employees with at least 7 years of service, aged 21-53, and earning under INR 3 lakh per year.
How can government employees apply for the scheme?
They must apply through their Drawing and Disbursing Officers (DDOs), who send the application to the bank.
What is the interest rate for male and female applicants?
Males pay 2% for petrol/diesel vehicles and 3% for electric, while females pay a fixed 3% interest.
I think the 2-3% was subsidy percentage not the loan ROI
Most state government employee worked for 7 years will have more then 3 lakhs annual income. So useless scheme ,nothing more then fooling.
You are right
hi
Good. But un employee, Business man and woman private job holder cultivation man how to by Apun Bahon
You are right
Want to apply for apun bahan