About this housing scheme
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.
Allotment at a glance
| Scheme Name | Assam Apun Ghar Housing Scheme 2026 — Low-Cost Housing Loan for EWS/LIG |
| 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 | 5 September 2026 |
| Official Portal | https://ahidco.nic.in |
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।
What you get if allotted
✅ Subsidised housing unit (₹5-15 lakh range) with PMAY-Urban 6.5% interest subsidy — Assam EWS/LIG
Who can apply for a unit
- ✓ EWS: annual income ≤ ₹3 lakh; LIG: ₹3-6 lakh
- ✓ Assam domicile
- ✓ No pucca house anywhere in India
- ✓ Aadhaar-linked bank account
Documents for the allotment application
Booking or lottery walkthrough
- 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
Use ahidco.nic.in directly — there is no application fee, and no third party can speed up your approval.
🔗 ahidco.nic.in — Apun Ghar Housing ApplyReal-Life Examples — Are You Eligible for Assam Apun Ghar Housing?
See which of these applicant profiles is closest to your case:
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.
Illustrative cases only — verify your own situation against the official criteria.
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.