Sarkari Yojana
Ashraya Adhar Scheme
About Ashraya Adhar Scheme
The “Ashraya Adhar Scheme” is a loan programme of the Goa State Scheduled Tribes Finance and Development Corporation Limited, Department of Tribal Welfare, Government of Goa. It gives members of Scheduled Tribes financial help, as loans, to repair, renovate or rebuild their houses. The corporation devised it to support the Scheduled Tribe Community with funds for house repair and renovation/reconstruction, since many ST members who wish to do such work cannot take bank loans because of the high interest rates banks charge.
Scheme Overview
State Government
Individual
Scheme Details
Eligibility Requirements
To qualify for Ashraya Adhar Scheme, applicants must satisfy the following conditions:
Anyone from the Scheduled Tribe Community who owns…
Anyone from the Scheduled Tribe Community who owns a house (a mundcarial house included), whether alone or jointly, can seek financial assistance under this scheme.
Where a jointly owned house is occupied by…
Where a jointly owned house is occupied by separate family units living independently, every such unit qualifies for support on its own.
On the date of applying for the loan,…
On the date of applying for the loan, the applicant must be no older than 55 years. This limit is raised to 58 years for applicants employed by the State/ Central Government/ Government Corporation/ Board or aided Institute.
Benefits Provided
Ashraya Adhar Scheme provides the following benefits to eligible applicants:
A loan of ₹ 5,00,000/- is given as…
A loan of ₹ 5,00,000/- is given as financial assistance at an interest rate of 2% per annum.
Mode of Advance
Mode of Advance
Once every required document has been furnished, the…
Once every required document has been furnished, the loan is released in two instalments. ₹ 3,75,000/- as soon as the loan is sanctioned. ₹ 1,25,000/- after the first instalment has been used. This 2nd instalment is paid on production of utilization bills and following physical verification/inspection by a Corporation officer.
NOTE:
The loanee must begin the actual work within 03 months of the release of the sanctioned amount.
Insurance
Insurance
Life and property insurance of the beneficiary must…
Life and property insurance of the beneficiary must be taken with the Insurance Agency chosen by the Corporation, and the loanee pays the premiums (unless the Corporation decides otherwise).
Documents Required
Applicants should keep the following documents ready before starting the application:
Self-attested certificate of Scheduled Tribe status
Self-attested certificate of Scheduled Tribe status.
Self-attested proof of the applicant's age (Birth Certificate…
Self-attested proof of the applicant's age (Birth Certificate / School Leaving Certificate / Driving License).
A notarised self-affidavit on ₹ 50/- Stamp Paper
A notarised self-affidavit on ₹ 50/- Stamp Paper.
Most recent house tax receipt (original or self-attested…
Most recent house tax receipt (original or self-attested copy).
A notarised N.O.C from any Co-owner on ₹…
A notarised N.O.C from any Co-owner on ₹ 50/- Stamp Paper.
Applicant's income evidence, namely a salary certificate/ pay…
Applicant's income evidence, namely a salary certificate/ pay slips of the last 03 months together with Form 16, or bank statements for the last 06 months. NOTE: Self-employed applicants must furnish I.T.R. of the Last 3 years with bank statements of the last 06 months, or a notarised income declaration cum affidavit on ₹50/- stamp paper.
02 (Two) guarantors, each giving one passport photo,…
02 (Two) guarantors, each giving one passport photo, a recent salary certificate or pay slips of the last three (03) months with bank statements of the last (06) months or Form 16, a notarised surety affidavit on ₹ 50/- Stamp Paper and identity proof. NOTE: If one guarantor works in a Government Department/ Corporation/ Board/Aided Institute, a 2nd Surety is not needed. Applicants who are themselves employees of the State/ Central Government/Government Corporation/ Board or aided Institute need no surety at all.
Cost estimate for the Repair/Renovation/Reconstruction of the house…
Cost estimate for the Repair/Renovation/Reconstruction of the house (in the given format).
Pictures of the house that is to be…
Pictures of the house that is to be repaired/renovated/reconstructed.
Self-attested copy of the applicant's Aadhaar Card
Self-attested copy of the applicant's Aadhaar Card.
Two recent passport-size photos of the applicant
Two recent passport-size photos of the applicant.
Duly completed Bank Mandate Form
Duly completed Bank Mandate Form.
How to Apply
Offline Application
Applicants can apply for Ashraya Adhar Scheme through the offline application process outlined below.
Go to the office of the Goa State…
Go to the office of the Goa State Scheduled Tribes Finance and Development Corporation Limited, 2nd floor, Smruti Building, Swami Vivekanand Rd, Altinho, Panaji, Goa 403001.
Ask the Corporation's Concerned Officer for a printed…
Ask the Corporation's Concerned Officer for a printed proforma of the scheme's application form.
Complete all compulsory fields, affix a passport-sized photograph…
Complete all compulsory fields, affix a passport-sized photograph (signed across it), and enclose copies of the required documents (self-attested where needed).
Hand the completed and signed form, with its…
Hand the completed and signed form, with its documents, to the Concerned Officer.
Loan applications are accepted only after careful scrutiny
Loan applications are accepted only after careful scrutiny. Collect a receipt/acknowledgement of successful submission from the Concerned Officer. Check Application Status For updates on the application status, the District Social Welfare Officer (DSWO) may be approached. Post Application Processes A list of eligible applicants is drawn up, and a Corporation officer carries out physical verification/inspection. The form, documents and inspection report are then put before the sanctioning authority for appraisal and approval.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.