Apun Bahan Scheme Assam gives government employees an easier way to buy vehicles by offering them interest discounts on auto loans. This scheme helps you get a vehicle loan at a lower rate, making it affordable and simple for you to own your own vehicle. Here’s everything you need to know about the Apun Bahan Scheme Assam 2025.
Overview of Apun Bahan Scheme Assam 2025
The Assam government started this scheme to support government staff with interest subsidies on motor vehicle loans. These loans can be taken from scheduled commercial banks, regional rural banks, or Assam Cooperative Apex Bank. If you are a government employee, you can apply for a vehicle loan with lower interest under this scheme.
Main Objective of Apun Bahan Scheme Assam 2025
The main goal is to help government employees buy vehicles easily without money worries. The scheme offers you loans at low interest rates and also adds a subsidy amount directly to your salary account. The maximum loan amount available is the lower of either 48 times your monthly salary or ₹15 lakh. Start by checking if you qualify, then fill out the application form on the official website.
Main Details of Apun Bahan Scheme Assam
| Name of scheme | Apun Bahan Scheme Assam |
| Launched By | Assam Government |
| Purpose | Interest subsidy on auto loans |
| State | Assam |
| Official Website | – |
Who Can Apply? Eligibility Criteria
If you are a regular Assam state government employee aged between 21 and 53 years, you can apply. This age limit makes sure your service period covers the loan repayment time of up to 7 years.
What Makes Apun Bahan Scheme Assam Special?
- Male employees buying petrol or diesel vehicles get 2% interest subsidy; for electric vehicles, it’s 3%.
- Female employees and employees with disabilities receive 3% interest subsidy on any vehicle purchase.
- The loan amount is up to ₹15 lakh or 48 times your monthly salary, whichever is less.
- Assam has previously run the “Apun Ghar” scheme, helping over 36,000 employees with loans worth nearly ₹5,000 crore.
- A budget of ₹108 crore has been set aside to help government employees borrow loans for homes and vehicles.
Documents You Need to Apply
- Aadhar Card
- Email ID
- Mobile Number
- Electricity Bill (address proof)
- PAN Card
- Passport Size Photograph
Loan Amount and Repayment Details
- Loan amount: Up to 48 times monthly net income or ₹15 lakh — whichever is lower.
- Repayment period: Between 3 to 7 years.
How to Apply for Apun Bahan Scheme Assam 2025
Step 1: Submit your application through your DDO (Drawing and Disbursing Officer).
Step 2: Collect all needed documents and application forms from the bank, then give them to your DDO.
Step 3: Make sure your salary slip and withdrawal statement are attached and certified by your DDO.
Step 4: Bank officials will check your application and decide if you qualify.
Step 5: If approved, the financial help will be deposited directly into your salary account.
Contact Information
- Helpline Number: 781006
Frequently Asked Questions (FAQs)
Which state launched the Apun Bahan Scheme 2025?
Assam state government launched the Apun Bahan Scheme Assam 2025.
What is the maximum loan amount under this scheme?
The highest loan amount you can get is ₹15 lakh.
Who can benefit from the Apun Bahan Scheme Assam?
All Assam government employees with at least 7 years of service are eligible.