Apun Bahan Scheme Assam 2024: Apun Bahan Scheme Application Form, Eligibility, and Benefits

The Apun Bahan Scheme is an innovative initiative by the Assam government, aimed at easing the financial burden on government employees seeking to purchase vehicles. This scheme, approved in a recent cabinet meeting, offers interest discounts on auto loans, making it more accessible for eligible staff to acquire the necessary transportation for their duties and personal use. This blog post delves into the details of the Apun Bahan Scheme, including its objectives, eligibility criteria, benefits, and the application process. (অপুন বাহান আঁচনিৰ আবেদন প্ৰ-পত্ৰ, যোগ্যতা, আৰু সুবিধা)

Overview of the Apun Bahan Scheme Assam

The Apun Bahan Scheme has been introduced to provide substantial support to Assam's state government employees. The scheme enables government personnel to obtain motor vehicle loans with enticing interest subsidies, making vehicle ownership more feasible. By facilitating easier access to loans, the government aims to empower its workforce while promoting mobility and productivity.

Key Highlights of the Apun Bahan Scheme

Eligibility Criteria for Apun Bahan Scheme Assam

To qualify for the benefits of the Apun Bahan Scheme, applicants must meet the following criteria:

1. Employment Status: The scheme is exclusively for regular employees of the State Government of Assam.
2. Age Requirement: Applicants must be between the ages of 21 and 53. This age range ensures that the employees’ service period aligns with the maximum loan term of seven years, allowing them ample time to repay the loan.
3. Loan Purpose: The loans must be utilized for the purchase of motor vehicles.

This carefully structured eligibility criteria ensures that the benefits reach the intended recipients, thus promoting responsible vehicle ownership among government employees.

Objectives of the Apun Bahan Scheme Assam

The Apun Bahan Scheme has several crucial objectives, including:

• Financial Support: Providing interest subsidies on motor vehicle loans to help government employees afford vehicles more easily.
• Encouragement for Women and Disabled Employees: To promote equality and inclusiveness, the scheme offers additional benefits for female employees and employees with disabilities.
• Mobility Improvement: Enhancing the mobility of government employees, enabling them to perform their duties more efficiently and effectively.

Under this scheme, the Assam government has allocated a substantial budget of ₹12 crore to facilitate the interests of its employees in acquiring vehicles.

Features of the Apun Bahan Scheme Assam

The Apun Bahan Scheme includes several noteworthy features designed to benefit employees significantly:

1. Interest Subsidies:

   • Male employees purchasing diesel or petrol vehicles will receive a 2% interest subsidy on their loans.
   • This subsidy increases to 3% for employees who purchase electric vehicles.
   • For female employees and those with disabilities, the interest subsidy is fixed at 3%, regardless of the type of vehicle purchased.

2. Loan Amount Limits:

   • The maximum loan amount available to employees is capped at ₹15 lakh or 48 times their net monthly income, whichever is lower. This ensures that the loans are within a manageable limit for repayment.

3. Complementary Schemes:

   • The Apun Bahan Scheme complements other government initiatives, such as the Apun Ghar Scheme, which has already benefited over 36,159 employees, with a total loan portfolio of ₹4,984 crore.

4. Dedicated Funding:

   • A total of ₹108 crore has been earmarked for government employees to borrow funds for homes and vehicles, showcasing the government's commitment to improving the financial wellbeing of its workforce.

Application Process for Apun Bahan Scheme Assam

Eligible applicants will need to fill out an application form to access the benefits of the Apun Bahan Scheme. Here’s how the application process works:

1. Availability of Application Form:

   • The government has yet to announce an official website for the scheme. However, once the site is launched, eligible employees will be able to find the application form online.

2. Filling Out the Application:

   • Applicants should provide necessary details such as personal information, employment status, vehicle details, and financial information to support their application.

3. Submission Process:

   • After completing the application form, candidates will need to submit it online through the designated platform once it becomes available. It is essential to ensure all information is accurate and complete to avoid any delays.

4. Awaiting Approval:

   • Following submission, applicants will await approval from the relevant authorities. Successful applicants will be notified about the next steps for accessing their loan benefits.

Apun Bahan Scheme Assam Form PDF

1. Visit the Official Link: Click on the following link to access the application form: Apun Bahan Scheme Application Form PDF.

2. Open the PDF: The link will direct you to the PDF document. It should open in your browser. 

1. Download the PDF:

   • If you are using a desktop or laptop:
     • Right-click on the document and select “Save as” or click on the download icon usually found in the top-right corner of the PDF viewer.
   • If you are using a mobile device:
     • Tap on the download icon (if available) or select “Share” and then choose “Save to Files” or a similar option to download the PDF to your device.

2. Access the Downloaded File: Once the download is complete, you can find the application form in your device's downloads folder or the location you specified for downloads.

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Summary

The Apun Bahan Scheme by the Assam government is a significant step towards empowering its employees by providing them with the financial support they need to purchase vehicles. With its attractive interest subsidies and structured eligibility criteria, the scheme aims to enhance the mobility and efficiency of government personnel. As the application process unfolds, employees are encouraged to stay informed and take advantage of this beneficial initiative. For further updates, interested applicants should keep an eye out for the official announcement regarding the application portal. 

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