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Financial Assistance as Interest Subsidy on Home Loan

The scheme aims to provide 50% reimbursement of interest on home loans up to ₹1,00,000 for eligible war widows, war bereaved families, war disabled personnel, and attributable peacetime casualties.

Ministry / Department
Ministry Of Defence
Level
Central
Benefit type
other
Last verified: 18 Jun 2026

Financial Assistance as Interest Subsidy on Home Loan क्या है?

The scheme aims to provide 50% reimbursement of interest on home loans up to ₹1,00,000 for eligible war widows, war bereaved families, war disabled personnel, and attributable peacetime casualties.

लाभ
• * * ब्याज सब्सिडी राशिः * * गृह ऋण पर लगाए गए ब्याज का 50 प्रतिशत। * * सब्सिडी के लिए ऋण सीमाः * * ₹ 1,00,000 तक (भले ही ऋण राशि अधिक हो)।-* * अवधिः * * अधिकतम 5 साल या ऋण पुनर्भुगतान पूरा होने तक, जो भी पहले हो। * * लागू ऋण स्रोतः * * बैंक, सरकारी/सार्वजनिक क्षेत्र के उपक्रम, जीवन बीमा निगम (एल. आई. सी.), सामान्य बीमा निगम (जी. आई. सी.) और आवास और शहरी विकास निगम (हुडको)। <बीआर>
स्तर
Central
मंत्रालय / विभाग
Ministry Of Defence
लाभ का प्रकार
other
मुख्य पात्रता
The applicant must be a war widow, war bereaved family member, war disabled personnel, or attributable peacetime casualty (all ranks).
अंतिम सत्यापन
18 Jun 2026

योजना का विवरण

गृह ऋण पर ब्याज सब्सिडी के रूप में वित्तीय सहायता योजना केंद्रीय सैनिक बोर्ड (केएसबी), पूर्व सैनिक कल्याण विभाग, रक्षा मंत्रालय, भारत सरकार द्वारा शुरू की गई थी। इस योजना का उद्देश्य युद्ध में मारे गए लोगों, युद्ध में अक्षम लोगों और शांति के समय हताहतों (सभी रैंकों) को थोड़ी राहत प्रदान करना है। इस योजना के तहत, ₹ 1,00,000 तक के गृह ऋण पर ब्याज के 50 प्रतिशत की प्रतिपूर्ति अधिकतम पांच वर्षों के लिए प्रदान की जाती है। <बीआर>

लाभ

* * ब्याज सब्सिडी राशिः * * गृह ऋण पर लगाए गए ब्याज का 50 प्रतिशत। * * सब्सिडी के लिए ऋण सीमाः * * ₹ 1,00,000 तक (भले ही ऋण राशि अधिक हो)।-* * अवधिः * * अधिकतम 5 साल या ऋण पुनर्भुगतान पूरा होने तक, जो भी पहले हो। * * लागू ऋण स्रोतः * * बैंक, सरकारी/सार्वजनिक क्षेत्र के उपक्रम, जीवन बीमा निगम (एल. आई. सी.), सामान्य बीमा निगम (जी. आई. सी.) और आवास और शहरी विकास निगम (हुडको)। <बीआर>

पात्रता

  • आवेदक को एक युद्ध विधवा, युद्ध शोक संतप्त परिवार का सदस्य, युद्ध विकलांग कर्मी, या शांतिकाल में हताहत (सभी रैंक) होना चाहिए। 1. आवेदक ने बैंक, सरकार/सार्वजनिक क्षेत्र के उपक्रम, एल. आई. सी., जी. आई. सी. या हुडको से गृह ऋण लिया होना चाहिए। 1. सब्सिडी के लिए विचार की जाने वाली ऋण राशि वास्तविक ऋण राशि की परवाह किए बिना ₹ 1,00,000 से अधिक नहीं होनी चाहिए
क्षेत्र: Indiaलाभ: other

आवश्यक दस्तावेज़

  • Certificates from the concerned banker or reputed organizations in Govt/PSUs including LIC,GIC and HUDCO are as follows:-
  • A certificate to the effect that there would be no change in the schedule of repayment.
  • A statement showing the amount of interest actually paid for the period covered under the claim.
  • A certificate to the effect that repayment of loan along with interest was regular.
  • Applicant's Document
  • A copy of Ex-Servicemen Identity Card duly attested.
  • A copy of Discharge Book duly attested.
  • <br>

आवेदन कैसे करें

  1. चरण 1: Online application

    *Interested and eligible students need to apply online at the* *Kendriya Sainik Board Secretariat**.* New User Registration 1. Select the "Register" option. 1. Complete the registration form with the requisite details, including your name, Aadhaar card number, email ID, mobile number, and bank details. 1. Establish a password for your account. 1. Upon successful registration, the applicant will receive a User ID and password. *Login & Application Process:* 1. Log in using the provided User ID and password to access the application form. 1. Click "New Application" and select the scheme name. 1. Fill in the complete application form. 1. Upload the required documents, including a photograph, caste certificate, residential certificate, and bank passbook etc. 1. Click on the "Save & Forward" and take the printout of the application form. 1. The applicant submits the printed application along with all the required documents to the District Sainik Board.” > NOTE: Once the application reaches KSB Sectt., the staff and officers at KSB carry out vetting and approval of the application. Final payment is made online in due course based on the availability of funds in AFFD. <br>

FAQ

What is the maximum loan amount eligible for subsidy?

₹1,00,000, even if the loan taken is higher. <br>

What percentage of interest is reimbursed?

50% of the interest charged. <br>

Who can apply for this scheme?

War widows, war bereaved families, war disabled personnel, and attributable peacetime casualties (all ranks). <br>

How long is the subsidy available?

Up to 5 years or until loan repayment is completed, whichever is earlier. <br>

Can I apply if I took a loan from a private bank?

No, only loans from approved banks, government/public sector undertakings, LIC, GIC, and HUDCO are eligible. <br>

How often is the subsidy paid?

Every six months (half-yearly). <br>

Is there any restriction on changing repayment terms?

Yes, the repayment schedule must remain unchanged. <br>

Can I claim subsidy for a home renovation loan?

No, it is only for home construction loans. <br>

Who verifies my application?

The Zila Sainik Board verifies before forwarding to KSB. <br>

How is the subsidy amount transferred?

Directly to your bank account via ECS. <br>

Sources & References

Ready to apply?

Applications are accepted only on the official government portal.

Open Official Website

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