Assam Apun Ghar Housing — Quick Overview
| Scheme Name | Assam Apun Ghar Housing Scheme 2026 — Low-Cost Housing Loan for EWS/LIG | ahidco.nic.in |
| State | Assam (असम) |
| Launched By | Government of Assam |
| Launch Year | 2016 |
| Benefit | Subsidised housing unit (₹5-15 lakh range) with PMAY-Urban 6.5% interest subsidy — Assam EWS/LIG |
| Category | Housing |
| Beneficiaries | 50,000+ EWS/LIG families covered under AHIDCO Assam housing |
| Last Verified | 26 May 2026 |
| Official Portal | https://ahidco.nic.in |
What is Assam Apun Ghar Housing?
Assam Apun Ghar (My Own Home) is Assam's affordable housing scheme targeting EWS (Economically Weaker Section) and LIG (Low Income Group) households in urban and semi-urban areas. The scheme provides housing units built by Assam Housing & Urban Development Corporation (AHIDCO) at subsidised rates with bank loan linkage under PMAY-Urban subsidy (CLSS). EWS: unit cost ₹5-8 lakh; LIG: ₹10-15 lakh. PMAY-Urban CLSS subsidy: 6.5% for 20 years (EWS/LIG). Flat distribution through AHIDCO lottery. Apply at ahidco.nic.in or AHIDCO offices in Guwahati, Silchar, Jorhat, Dibrugarh.
Under this scheme, eligible beneficiaries receive Subsidised housing unit (₹5-15 lakh range) with PMAY-Urban 6.5% interest subsidy — Assam EWS/LIG. The scheme was launched in 2016 and is implemented by the Government of Assam.
Assam Apun Ghar: EWS/LIG को subsidised housing। AHIDCO flats lottery। PMAY-Urban CLSS 6.5% subsidy 20 साल। EWS unit ₹5-8 लाख, LIG ₹10-15 लाख। ahidco.nic.in।
Assam Apun Ghar: EWS/LIG পৰিয়ালক subsidised housing। AHIDCO lottery। PMAY-Urban CLSS 6.5% সুত ছাড়। ahidco.nic.in।
📌 फायदा: Subsidised housing (₹5-15 লাখ) + PMAY-Urban 6.5% interest subsidy — Assam EWS/LIG
पात्रता:
EWS আয় ≤ ₹3 লাখ; LIG ≤ ₹6 লাখ। Assam domicile। পাকা ঘৰ নাই।
अर्ज कसा करावा:
ahidco.nic.in → lottery apply → income cert + Aadhaar → allotment।
Benefits of Assam Apun Ghar Housing
✅ Subsidised housing unit (₹5-15 lakh range) with PMAY-Urban 6.5% interest subsidy — Assam EWS/LIG
Who is Eligible for Assam Apun Ghar Housing?
- ✓ EWS: annual income ≤ ₹3 lakh; LIG: ₹3-6 lakh
- ✓ Assam domicile
- ✓ No pucca house anywhere in India
- ✓ Aadhaar-linked bank account
Documents Required for Assam Apun Ghar Housing
How to Apply for Assam Apun Ghar Housing Online?
- 1ahidco.nic.in → housing lottery apply
- 2Income cert + Aadhaar + domicile + bank passbook submit
- 3AHIDCO lottery → allotment letter if selected
- 4Bank loan + PMAY-Urban CLSS 6.5% subsidy apply
Official Government Portal — Assam
Apply directly on the official Assam government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 ahidco.nic.in — Apun Ghar Housing ApplyReal-Life Examples — Are You Eligible for Assam Apun Ghar Housing?
Find the profile closest to your situation to quickly check whether you qualify:
An EWS family in Guwahati with annual income of about ₹2.6 lakh, Assam domicile, owning no pucca house anywhere in India, with an Aadhaar-linked bank account
Eligible — Income is within the EWS ceiling of ₹3 lakh, the family is an Assam domicile with no pucca house and an Aadhaar-linked account, so it can apply in the AHIDCO lottery.
A LIG household in Jorhat earning around ₹5 lakh a year that has never owned a pucca house
Eligible — Income falls in the ₹3-6 lakh LIG band and the no-pucca-house condition is met, so the family qualifies for a LIG unit with PMAY-Urban CLSS subsidy.
A family that already owns a pucca house in another town in Assam and earns ₹4 lakh a year
Not eligible — Owning a pucca house anywhere in India disqualifies the applicant, regardless of income, since the scheme is for the houseless EWS/LIG.
Examples are illustrative — always confirm against the official eligibility criteria before applying.
Common Mistakes — Why Assam Apun Ghar Housing Applications Get Rejected
- ✗Applying with annual income above the ₹6 lakh LIG ceiling (or above ₹3 lakh while claiming EWS), so the income category does not match the supporting certificate.
- ✗Hiding an existing pucca house — the self-declaration and PMAY checks require that the family owns no pucca house anywhere in India.
- ✗Submitting an outdated income certificate or one not from the competent authority, which fails verification for the chosen EWS/LIG slab.
- ✗Bank account not Aadhaar-linked or details not matching, which complicates the PMAY-Urban CLSS subsidy claim on the housing loan.
Insider Tips for Assam Apun Ghar Housing
- →Apply for the correct slab — EWS up to ₹3 lakh, LIG ₹3-6 lakh — and back it with a matching, current income certificate to avoid rejection at scrutiny.
- →Keep the no-pucca-house self-declaration truthful, since the PMAY-Urban subsidy depends on the family being genuinely houseless.
- →Submit the AHIDCO lottery application on ahidco.nic.in or at the AHIDCO office in Guwahati, Silchar, Jorhat or Dibrugarh, and keep the allotment letter safe if selected.
- →Once allotted, link your bank account to Aadhaar and apply for the PMAY-Urban CLSS 6.5% interest subsidy with your home loan to bring down the EMI.
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