Notes: The Assam government has recently signed MoU with State Bank of India (SBI) to provide Housing and Educational Loan at subsidised interest rates to the employees of the state government. As per the MoU, the Assam Government will provide interest subsidy at the rate of 3.50% for housing loan and education loan at 4%. Accordingly, the state government employees will get substantial benefit in terms of interest rates and reduced EMI. There are provisions for collateral free loan, Zero Margin, Zero Processing Fee with longer repayment tenure. Maximum limit of Housing Loan is Rs 15 lakh and Rs 10 lakh for High education loan.