Home Loan Interest Subsidy ₹1 Lakh – War Widows Guide
War widows, war disabled aur attributable peace-time casualties ke liye interest subsidy — 50% interest reimbursement upto ₹1,00,000. Simple steps to apply.
🇮🇳 Chhota Parichay
Jab koi soldier shaheed ho ya duty ke dauran gambi r roop se injured ho, to us parivaar par ghar banana ya loan chukana bhari pad sakta hai. Kendriya Sainik Board (KSB) ki ye scheme war widows, war disabled aur attributable peace-time casualties ko ghar banane me madad karne ke liye interest subsidy deti hai.
Seedha bolein to: bank jo interest charge karta hai uska 50% KSB reimburse karega, lekin subsidy ₹1,00,000 loan amount tak consider ki jayegi. Yeh fund AFFDF se diya jata hai.
📜 Background — Kyun Hai Ye Scheme?
Scheme purani hai — 1991 se pehle chal rahi thi aur May 1991 me upper limit ₹1,00,000 set ki gayi thi. Maksad simple: war-related sacrifice wale parivaar ko ek chhota lekin meaningful financial relief dena, taaki ghar ka sapna adhura na rahe.
💡 Key Facts — Financial Assistance
- Interest reimbursement: 50% of interest charged by bank / PSU / LIC / GIC / HUDCO.
- Loan cap for subsidy: ₹1,00,000 (subsidy isi portion tak calculate hogi).
- Payment freq: Half-yearly (six-monthly) direct to beneficiary.
- Maximum duration: 5 years or till final repayment, jo pehle ho.
✅ Kaun Eligible Hai?
Is facility ka faayda sirf in categories ko milta hai:
- War Bereaved (war me shaheed family)
- War Disabled (war duty me permanently injured)
- Attributable Peace-Time Casualties (training/official duty me injury/death)
Good news: scheme all ranks ke liye khuli hai — sipahi se lekar officer tak.
📋 Zaroori Documents (Bank Certificates & Personal)
Application ke sath bank/PSU se ye certificates aur personal proof lagana mandatory hai:
- Bank certificate: “No change in repayment schedule”.
- Statement showing interest actually paid for the claimed period.
- Certificate from bank: repayment of loan along with interest was regular.
- Copy of Ex-Serviceman Identity Card (attested).
- Copy of Discharge Book (attested).
Sab documents Zila Sainik Board (ZSB) ke through verify/attest karwane honge.
📝 Kaise Apply Karein — Step by Step
- Prescribed application form ZSB se lein aur sahi se bharein.
- Bank se required certificates aur interest statement lein.
- Discharge book aur ESM identity copy attach karke ZSB me jama karein.
- ZSWO documents verify karega; agar sab correct to ZSB case KSB ko forward karega.
- KSB me data entry, verification aur Secretary approval ke baad payment process hota hai.
Payment ECS/NEFT se half-yearly beneficiary ke account me bheji jati hai (fund availability par depend karta hai).
🔎 Example (Asaan Samjho)
Maan lijiye war widow ne ₹1 lakh ka loan liya aur bank ne us par ₹10,000 saal ka interest charge kiya. KSB is interest ka 50% reimburse karega — matlab ₹5,000 per year. Yeh amount half-yearly kiston me aa sakta hai aur maximum 5 saal tak milega.
📌 Important Notes & Tips
- Subsidy principal par nahi, sirf interest par lagu hoti hai.
- Agar loan amount zyada hai, tab bhi subsidy sirf ₹1,00,000 ke portion par hi consider hoti hai.
- EMI regular rahna chahiye — defaults case ko affect kar sakte hain.
- Half-yearly payment aur fund availability ko dhyan me rakhein.
📞 Kahan Contact Karein?
Apply karne ka pehla step hai apna najdeeki Zila Sainik Board (ZSB) visit karna. Wahan ke ZSWO aapko form, attestation aur forwarding process me guide karenge.
Official portal for reference: ksb.gov.in
0 Comments