Apun Bahan Scheme 2025 – Vehicle Loan for Govt. Employees

The Government of Assam has introduced the Apun Bahan Scheme Assam 2025, a welfare initiative aimed at enabling government employees to own their own vehicles through low-interest loans. This flagship scheme makes it easier for eligible employees to finance petrol, diesel, or electric vehicles, with attractive subsidies and simple repayment plans. If you’re a government servant in Assam, this scheme could be your key to owning a car without financial stress.

Objective of Apun Bahan Scheme Assam

The primary aim of this scheme is to:

• Support government employees in purchasing a personal vehicle.
• Offer subsidized interest rates to reduce financial burden.
• Encourage electric vehicle adoption.
• Ensure the subsidy reaches employees directly through salary accounts.

Key Features of Apun Bahan Scheme

• Launched by: Government of Assam
• Target Group: Permanent Government Employees of Assam
• Loan Limit: ₹15 lakh or 48× net monthly income (whichever is lower)
• Interest Rate (Male Employees):
  • 2% for petrol/diesel vehicles
  • 3% for electric vehicles
• Interest Rate (Female Employees):
  • 3% for all vehicles
• Repayment Period: 3 to 7 years
• Loan Disbursement: Directly into salary account
• Subsidy Mode: Direct Benefit Transfer (DBT)
• Application Mode: Through Drawing and Disbursing Officers (DDOs)
• Helpline Number: 781006

Eligibility Criteria

To apply under the Apun Bahan Scheme Assam 2025, the applicant must:

• Be a permanent government employee in Assam.
• Be aged between 21 to 53 years.
• Have completed at least 7 years of continuous service.
• Belong to a family with annual income not exceeding ₹3 lakh.

Benefits of the Scheme

• Low-Interest Loans: Interest as low as 2% makes vehicle purchase affordable.
• Equal Opportunity: Female employees receive the same interest rate across all vehicle types.
• Flexible Repayment: Choose a repayment tenure from 3 to 7 years.
• Financial Inclusion: Ensures that even mid-level or lower-income employees can afford vehicles.
• Direct Subsidy: Subsidy gets credited straight to your salary account, ensuring transparency.

Required Documents

Here’s what you’ll need to apply:

• Aadhaar Card
• PAN Card
• Mobile Number & Email ID
• Passport Size Photograph
• Electricity Bill / Any Address Proof
• Due & Drawal Statement (Salary), certified by the DDO

Loan Amount and Repayment Details

• Loan Amount:
  • Up to ₹15 lakh or 48 times the net monthly income
  • Lower amount among the two will be sanctioned
• Repayment Tenure:
  • Minimum: 3 years
  • Maximum: 7 years

Step-by-Step Application Process

• Step 1: Collect the application form from the designated bank.
• Step 2: Submit your completed application along with required documents to your DDO (Drawing and Disbursing Officer).
• Step 3: Ensure that your Due & Drawal Statement is verified and certified by the DDO.
• Step 4: The DDO forwards your application to the concerned bank for eligibility verification.
• Step 5: If approved, the loan amount is credited directly to your salary account.

The Apun Bahan Scheme Assam 2025 is a thoughtful initiative that reflects the Assam Government’s commitment to the well-being of its workforce. With low-interest loans, direct subsidies, and an easy application process, the scheme makes vehicle ownership accessible to many government employees.

For more government job updates, scheme details, and exam alerts — visit www.workinassam.com
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