Apun Bahan Scheme Assam 2025: Eligibility, Documents, and How to Apply 🚗
The Apun Bahan Scheme Assam 2025, launched by the Government of Assam, is a game-changer for state government employees dreaming of owning a vehicle. This initiative offers low-interest loans—2% for petrol/diesel vehicles and 3% for electric vehicles for male employees, and 3% across all vehicles for female employees—making vehicle ownership affordable. Curious about how to get started? Let’s explore the eligibility, required documents, and application process for this empowering scheme! 🌟
Objective of the Apun Bahan Scheme Assam 2025 🌍
The core goal of the Apun Bahan Scheme is to support Assam’s government employees in purchasing their own vehicles without financial stress. By providing subsidized loans with interest rates as low as 2%–3%, repayable over 3–7 years, and transferring subsidies directly to salary accounts, the scheme boosts mobility and financial security for rural and urban workers alike.
Key Highlights of Apun Bahan Scheme Assam 2025 📋
Here’s a quick snapshot of the scheme:
Highlights Table 📊
| Aspect | Details |
|---|---|
| Name | Apun Bahan Scheme Assam 2025 |
| Launched By | Government of Assam |
| Objective | Affordable vehicle loans for employees |
| Beneficiaries | Assam government employees |
| Official Website | https://assam.gov.in/ |
Eligibility Criteria for Apun Bahan Scheme Assam 2025 ✅
To qualify for this scheme, you must meet these requirements:
- Employment: Be a government official in Assam.
- Age: Between 21 and 53 years old.
- Service Duration: Have served the Assam government for at least 7 years.
- Income Limit: Family annual income must not exceed ₹3 lakh.
Benefits of Apun Bahan Scheme Assam 2025 🌟
- Dream Ride: Fulfill your goal of owning a vehicle.
- Low Interest: Loans at 2% (petrol/diesel) or 3% (electric/female employees).
- Direct Subsidy: Funds credited straight to your salary account.
- Flexible Repayment: Pay back over 3 to 7 years.
Required Documents for Apun Bahan Scheme Assam 📝
Gather these essentials before applying:
- Aadhaar Card
- Email ID
- Mobile Number
- Electricity Bill (as address proof)
- PAN Card
- Passport-Size Photo
- Salary Statement (certified by DDO)
Loan Amount and Repayment Details 💰
- Max Loan: Up to ₹15 lakh or 48 times your net monthly income (whichever is lower).
- Repayment Period: Flexible tenure between 3 and 7 years.
How to Apply for Apun Bahan Scheme Assam 2025 📲
Follow these steps to apply:
Step-by-Step Application Process 🛠️
- Submit via DDO: Start by routing your application through your Drawing and Disbursing Officer (DDO).
- Collect Documents: Pick up the application form and required docs from your bank.
- Include Salary Proof: Attach a certified due and drawal salary statement, signed by your DDO.
- Bank Review: Submit everything to the bank, which will verify your eligibility.
- Get Funded: If approved, the loan and subsidy hit your salary account directly!
Contact Details for Apun Bahan Scheme Assam ☎️
- Helpline Number: 781006 (Placeholder—verify with official sources).
Apun Bahan Yojana Assam 2025 Interest Rate: All You Need to Know 🚗
The Apun Bahan Yojana Assam 2025 is a fantastic scheme launched by the Assam state government to help government employees buy vehicles with affordable loans. If you’re planning to apply, you’re probably wondering: What’s the interest rate on these loans? Don’t worry—we’ve got you covered! This article breaks down the interest subsidies offered under the scheme, making your vehicle dreams a reality in 2025. Let’s dive in! 🌟
Interest Rates Under Apun Bahan Yojana Assam 2025 Explained 💰
The Apun Bahan Yojana offers low-interest loans with subsidies tailored to the type of vehicle and the employee’s profile. Here’s what you need to know about the interest rates:
Interest Subsidy Details 📊
- Petrol/Diesel Vehicles: If you’re a government employee buying a petrol or diesel vehicle, you’ll get a 2% subsidy on the loan interest. This slashes your repayment burden significantly!
- Electric Vehicles: Opting for an eco-friendly electric vehicle? You’ll enjoy a 3% subsidy on the loan interest—perfect for sustainable choices.
- Female Employees & Differently-Abled Employees: Whether you’re a woman or a differently-abled government worker, you’re eligible for a 3% subsidy on the interest, regardless of the vehicle type—petrol, diesel, or electric.
These subsidies make the scheme inclusive and budget-friendly for all Assam government employees! 🌍
Why Interest Rates Matter in Apun Bahan Yojana 🤔
The subsidized interest rates—2% for petrol/diesel and 3% for electric vehicles or special categories—are designed to ease the financial load on government employees. Paired with a maximum loan of ₹15 lakh or 48 times your monthly income (whichever is lower), and a repayment period of 3–7 years, this scheme ensures affordability while helping you own a vehicle hassle-free.
How to Benefit from These Interest Rates 🚀
To take advantage of these rates:
- Confirm your eligibility as an Assam government employee.
- Choose your vehicle—petrol, diesel, or electric.
- Apply through your Drawing and Disbursing Officer (DDO) with required documents.
- Enjoy the subsidy credited directly to your salary account!
It’s that simple to roll into 2025 with your new ride! ⏳
FAQs About Apun Bahan Scheme Assam 2025 ❓
Q: Who can apply for the Apun Bahan Scheme 2025?
A: Assam government employees aged 21–53 with 7+ years of service and a family income below ₹3 lakh.
Q: What’s the maximum loan amount?
A: ₹15 lakh or 48 times your monthly income, whichever is less.
Q: How long do I have to repay the loan?
A: Between 3 and 7 years, based on your preference.
Q: Where do I get the application form?
A: From your bank—submit it through your DDO.
