Home Loan Interest Subsidy ₹1 Lakh – War Widows & War Disabled
War widows, war disabled aur attributable peace-time casualties ke liye home loan par interest subsidy — kitni milti hai, eligibility, documents aur apply process step-by-step.
🇮🇳 Chhota Parichay
Faujiyon ke parivaar, khaaskar war widows aur war disabled families, ko ghar banana aur loan repay karna kabhi-kabhi bahut mushkil lagta hai. Kendriya Sainik Board (KSB) ek interest subsidy scheme chalata hai jo home loan par interest ka 50% reimburse karta hai — lekin limit ke sath. Yeh guide simple Roman Hindi me aapko poora process bataega.
📜 Background
Yeh scheme pehle 1991 se chali aa rahi hai. May 1991 me iski upper limit ₹1,00,000 set kar di gayi thi. Isme bank dwara charge kiya gaya interest ka aadha hiss aapko subsidy ke roop me milta hai (50%). Subsidy Armed Forces Flag Day Fund (AFFDF) se di jaati hai.
🎯 Aim
Scheme ka maqsad war widows, war disabled aur attributable peace-time casualty families ko ek chhota financial relief dena hai jisse wo apna ghar bana sakein ya loan ka bojh kam kar sakein.
💰 Financial Assistance — Key Points
- Interest ka 50% reimburse kiya jata hai.
- Subsidy ₹1,00,000 tak ke loan amount par consider hoti hai (chahe asli loan zyada ho).
- Subsidy half-yearly beneficiary ko di jati hai.
- Maximum period: 5 saal ya loan repayment tak, jo pehle ho.
✅ Kaun Eligible Hai?
- War Bereaved families (jinki death war se sambandhit ho).
- War Disabled personnel (war duty me injured).
- Attributable peace-time casualties (training/official duty me shaheed/injured).
- All ranks — sipahi se le ke officer tak eligible.
📋 Documents Required
Application ke sath ye documents bank/authority ke certificate ke form me aur personal ID copies attach karni hoti hain:
- Bank / Govt PSU (LIC, GIC, HUDCO) se certificate jo bataye ki repayment schedule me koi change nahi hua.
- Statement showing interest actually paid for the claimed period (bank se).
- Certificate from bank that loan repayment along with interest was regular.
- Copy of Ex-Serviceman Identity Card (attested).
- Copy of Discharge Book (attested).
Sabhi documents Zila Sainik Board (ZSB) ke through verify karwane honge.
📝 Application Process – Step by Step
- Prescribed application form fill karein (ZSB se milta hai).
- Bank se required certificates aur interest statement lein.
- Discharge book aur ESM identity card ki attested copies lagayein.
- Application Zila Sainik Board (ZSB) me jama karein — ZSWO verification ke liye.
- ZSB recommended case KSB ko bhejta hai for processing.
KSB me file entry, data verification aur JD(Account)/Secretary approval ke baad hi payment process hota hai.
🏦 KSB Processing & Payment
Jab application KSB sectt pahunchta hai, to accounts section me data entry aur verification hoti hai. Uske baad Secretary KSB approval deta hai. Payment instructions Accounts Section ko bheje jate hain aur subsidy recipient ke bank account me ECS/NEFT ke through half-yearly bhej di jati hai.
🔎 Example (Seedha Samjho)
Maan lijiye ek war widow ne ₹1 lakh loan liya. Bank ne us par total interest year-wise ₹12,000 charge kiya. KSB 50% interest reimburse karega — ₹6,000 per year. Yeh amount half-yearly (do kist me) transfer hoga, aur maximum 5 saal tak ya loan repayment tak diya jayega.
💡 Important Notes
- Subsidy principal par nahi, sirf interest par applicable hai.
- Agar loan amount zyada hai, tab bhi subsidy sirf ₹1,00,000 loan tak consider hogi.
- Subsidy half-yearly di jati hai aur fund availability par depend karti hai.
- EMI regular hona chahiye — defaults ya missed payments case ko affect kar sakte hain.
📞 Kahan Apply Karein?
Apni nearest Zila Sainik Board (ZSB) par application jama karein. Wahan ZSWO aapki application verify karenge aur aage process ke liye forward karenge. KSB ki official website bhi general guidance deti hai: ksb.gov.in
🏁 Conclusion
War widows, war disabled aur attributable peace-time casualty families ke liye yeh interest subsidy ek practical aur emotionally meaningful sahara hai. ₹1 lakh limit par 50% interest subsidy se ghar banana aur loan ka bojh halka padta hai. Agar aap eligible hain, to aaj hi apne ZSB se contact karein aur form jama karein — yeh ek chhota par bahumulya madad hai un families ke liye jo desh ki seva me apna sab de chuke hain.
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