The Government of Assam has launched various welfare schemes for the state’s people. However, this time the government has announced a scheme for the Assam government employees. The name of the scheme is “Apun Bahan Scheme”. Under this scheme, the state government will provide interest subvention on vehicles. This scheme is only for Assam Government employees. In this article, we will talk about the Apun Bahan Scheme in detail. We are also going to talk about the Apun Bahan Scheme Eligibility Criteria, Benefits, document requirements, and much more. 

What is Apun Bahan Scheme 2024?

Apun Bahan Scheme 2023 is a vehicle scheme launched by the Assam Government. Under this scheme, the employees of the Assam Government will get an interest subvention of a maximum of 3% while buying a vehicle. This interest subvention is maximum for electric vehicles and for female/disabled people. 

Under this scheme, eligible employees will get the benefit while buying a vehicle. This will help them while commuting to the office. Any Assam Government employee from the age of 21 years to 53 years can take the benefit of the scheme. Also, they should take the loan in a way that it can repay at the maximum of 07 years. The maximum amount of loan one can take for the vehicle is 15 lakh or 48 times the monthly income of an employee. Whichever is lower. It is advised to take the benefit of the scheme as soon as possible.

Apun Bahan Scheme 2023 Key Highlights 

Apun Bahan Scheme 2023 Key Highlights
Apun Bahan Scheme launch date	August 02, 2023
Apun Bahan Scheme Official website	Yet to be launched
Apun Bahan Scheme Launched by	Assam Government
Apun Bahan Yojana Objective	To provide vehicle or motor loans to Assam Government employees
Apun Bahan Scheme Interest subvention	2% to 3% (depending on categories)
Apun Bahan Yojana 2024 Budget	12 Crore
Apun Bahan Yojana 2024 Age Limit	21 to 53 years of age
Maximum loan amount	Rs 15 lakh or 48 times of monthly salary
Maximum Loan Duration	07 years
Apun Bahan Scheme 2023 Helpline Number	Yet to be announced

Apun Bahan Scheme 2023 Objective

• The primary objective of the Apun Bahan Scheme is to make the commutation of the state government employees easy and comfortable. Therefore, the government has launched this scheme. 
• Under this scheme, the eligible employees will get a loan for petrol/diesel/electric vehicles at an interest subvention of a maximum of 3%. The interest rate depends on categories and the type of vehicle.

Apun Bahan Scheme 2023 Benefits

• Through the Apun Bahan Scheme 2023, eligible employees will get an interest subvention of 3%, making it easy for them to buy a vehicle of their choice.
• This scheme will empower them to commute easily. They will have access to go to places comfortably. 
• Employees between the age group of 21 to 53 years will now be able to take a loan at an interest subvention of a maximum of 3% and make their commute easier than before. 
• You can take a loan under the Apun Bahan Scheme from any of the public sector banks, Private sector banks, or regional banks that are authorized and regulated by the Reserve Bank of India

Another state that has launched a vehicle loan scheme for employees is Odisha Government- Read About the MISSION SHAKTI Scooter Yojana 2023  in detail. 

Apun Bahan Scheme 2023 Interest Subvention

The Assam Government has launched the Apun Bahan Scheme to provide the Assam Government employee loan at an interest subvention of a maximum of 3%. This interest subvention is different for different categories. Therefore, you need to have a complete idea of how much percent of interest subvention will be provided to you as per the rules. 

Apun Bahan Scheme 2023 Interest Subvention
For Male employees (Petrol/Diesel)	2%
For Male employees (Electric)	3%
For disabled employees (Any Car)	3%
For Female employees (Any Car)	3%

Apun Bahan Scheme 2023 Eligibility Criteria

Before you apply for the Apun Bahan Scheme 2023, it is advised to check the complete eligibility of the scheme. This is important so that further inconvenience can be avoided in the future. Here is the complete list of Apun Bahan Scheme 2023 eligibility criteria. 

• You must be a permanent resident of Assam.
• You must be a regular/permanent employee of the Assam Government.
• You must fall under the age group of 21 to 53 years.
• You must set the repayment method of the vehicle to a maximum of 07 years.
• The value of the vehicle must be a maximum of 15 Lakh or 48 times your monthly  income (whichever is lower)

Apun Bahan Scheme 2023 Documents Required

It is essential to have a valid document to avail the benefit of the Asaam Apun Bahan Scheme. The scheme requires the following documents:

• Residence Proof: A document that validates the applicant’s residential address in Assam, such as a utility bill or a government-issued address proof.
• Age Certificate: A document providing proof of the applicant’s age, typically issued by a government authority like a birth certificate or school certificate. This is required as this scheme is for 21 to 53 years. 
• Employee ID Card: A valid identification card issued by the employer, verifying the applicant’s employment status.
• Bank Statement: A bank statement showing the applicant’s financial transactions and other relevant details, which may include account balance and transaction history.
• Monthly Salary Slip: A document issued by the employer stating the applicant’s monthly income and deductions.
• Canceled Cheque: A cheque from the applicant’s bank account with the word “CANCELLED” written on it, used for verification of bank account details.
• Aadhaar Card: The applicant’s unique identification card issued by the Indian government, contains biometric and demographic information.
• Colorful Passport Size Photograph: A colored passport-sized photograph of the applicant, is required for identification purposes.
• Mobile Number: The applicant’s registered mobile number, which may be used for communication and updates related to the scheme.
• PAN Card: The applicant’s Permanent Account Number (PAN) card issued by the Income Tax Department, used for income tax-related purposes and financial transactions.

Apun Bahan Scheme 2023 How to Apply Online

To apply online for this scheme, you can visit any of the public sector banks, Private sector banks, or regional banks that are authorized and regulated by the Reserve Bank of India. Also, you must have all the required Apun Bahan Scheme documents so that you do not have to face any inconvenience while applying for the scheme. Here is the expected step-by-step process for the Apun Bahan Scheme 2023. 

• Go to the official website of the Apun Bahan Scheme 2024. The website address will be provided by the government or the relevant authorities. [Link not yet launched]
• Click on the “Register” or “Sign Up” button on the website to create a new account. Provide your details such as name, mobile number, and email address, and create a secure password. 
• Verify your mobile number and email through the OTP (One-Time Password) sent to your registered mobile number and email.
• Login to Your Account: After successful registration, log in to your account using your registered email/username and password.
• Once logged in, find the “Apun Bahan Scheme 2023” application form or link on the website. Click on it to start the application process.
• After that provide all the necessary information in the application form, such as personal details, residential address, employment details, and bank account information. 
• Now, upload the required documents mentioned in the application form, such as residence proof, age certificate, employee ID card, bank statement, monthly salary slip, canceled cheque, Aadhaar card, colorful passport-size photograph, mobile number, and PAN card.
• Before applying, carefully review all the details and uploaded documents to ensure accuracy and completeness.
• Once you are satisfied with the application, click on the “Submit” or “Apply” button to submit it.

After successful submission, you will receive an acknowledgment or confirmation of your application. Note down or save the application number for future reference. The authorities will now process your application and verify the provided details and documents. If your application is approved, you will receive the benefits of the Apun Bahan Scheme 2024 as per the eligibility criteria and guidelines.

Please Note: The step-by-step process may vary slightly depending on the specific website or platform used for the online application of the Apun Bahan Scheme 2024. Always refer to the official instructions and guidelines provided by the government or relevant authorities to ensure a smooth and successful application process.

Apun Bahan Scheme 2023 FAQs

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