Sarkari Yojana
Goa Tribal’s Employment Generation Programme Scheme
About Goa Tribal’s Employment Generation Programme Scheme
Run by the Department of Tribal Welfare, Government of Goa, the “Goa Tribal’s Employment Generation Programme Scheme” targets educated jobless members of Goa’s tribal communities aged 18-45 years. It offers a 40% subsidy on the overall loan, which itself covers 95% of the project cost. Loans can be used for Micro and Small Manufacturing Enterprises, Service Enterprises and Trade Enterprises, and each beneficiary must also attend entrepreneurship training lasting up to 7 days.
Collateral
1. For Loan Amount Upto ₹ 2,00,000: A personal guarantee from the applicant together with the spouse/parent/relative.1. For Loan Amount between ₹ 2,00,000 to ₹ 6,00,000: One or more third-party guarantors, the number depending on the loan size. A guarantor may be an employee of the State Government/Government Corporations/Aided Institutions/reputed Companies, or someone who owns unencumbered immovable property in Goa of matching value.1. For Loan Amount Above ₹ 6,00,000: A notarised copy of ownership papers for unencumbered immovable property held by the guarantor/s, of value matching the loan, must be furnished. The guarantor must not be in default with any financial institution/bank.
Recovery
Should the borrower default on repayment, the dues will be recovered as arrears of land revenue, or under the Public Money Recovery Act, DRT or any other applicable Act and its rules.
Service Charges for EDC
₹ 50,000/- for every ₹ 1,00,00,000 of subvention disbursed to beneficiaries, plus 1% out of the 2% per annum interest collected from the beneficiaries.
Scheme Overview
State Government
Individual
Scheme Details
Eligibility Requirements
To qualify for Goa Tribal's Employment Generation Programme Scheme, applicants must satisfy the following conditions:
Only unemployed persons can apply
Only unemployed persons can apply.
Applicants must be aged from 18 to 45…
Applicants must be aged from 18 to 45 years.
A pass in Class 4th is required, though…
A pass in Class 4th is required, though this can be relaxed in deserving cases.
Membership of a Tribal Community notified by the…
Membership of a Tribal Community notified by the Government of Goa is essential.
Applicants must not be in default to any…
Applicants must not be in default to any bank, financial institution, etc.
Permanent residence in Goa for a minimum of…
Permanent residence in Goa for a minimum of 15 years is required.
Activities that qualify are Micro and small manufacturing…
Activities that qualify are Micro and small manufacturing enterprises, Service enterprises and Trade Enterprises.
Farming activities, tobacco products and red-category industries do…
Farming activities, tobacco products and red-category industries do not qualify.
Benefits Provided
Goa Tribal's Employment Generation Programme Scheme provides the following benefits to eligible applicants:
Project limits by type of activity:
Micro & Small Manufacturing Enterprises:
projects can cost up to ₹25 lakh, with working capital capped at 35%.
Service Enterprises:
the project cost ceiling is ₹15 lakh, and working capital may go up to 80%.
Trade Enterprises:
a ceiling of ₹15 lakh applies; working capital is limited to 80%, or 100% where the trade is in agricultural produce. Loan terms:
Subsidy:
40% of the loan amount.
Promoter's share:
the applicant puts in 5%.
Interest:
charged at 4% per annum, with NIL penal interest.
Repayment:
spread over 60 to 120 EMIs, as GTEGP-TFC decides.
Moratorium:
3 to 6 months, left to the discretion of GTEGP-TFC.
Security:
a first charge by mortgage or hypothecation over fixed assets (building, furniture, machinery, etc.) and/or current assets (trading goods, raw material, etc.). Training Within six months of the loan being sanctioned, beneficiaries must complete entrepreneurship training lasting up to 7 days.
Documents Required
Applicants should keep the following documents ready before starting the application:
For Loan Assistance (Complete the prescribed application form and file it in duplicate with self-attested copies of the documents below)
Two recent photographs (of both borrower & guarantor)
Two recent photographs (of both borrower & guarantor).
The Birth Certificate
The Birth Certificate.
A valid Caste Certificate issued by the Competent…
A valid Caste Certificate issued by the Competent Authority.
School leaving certificate or qualification certificate
School leaving certificate or qualification certificate.
A certificate of 15 years' residence
A certificate of 15 years' residence.
Receipt of house tax paid (borrower & guarantor)
Receipt of house tax paid (borrower & guarantor).
EPIC/UID card (borrower & guarantor)
EPIC/UID card (borrower & guarantor).
Other relevant certificates, if any (Marriage/caste/handicap/widow)
Other relevant certificates, if any (Marriage/caste/handicap/widow).
For a vehicle loan, a Professional Driving licence,…
For a vehicle loan, a Professional Driving licence, badge and a business assurance recommendation letter.
Passbook(s) of current bank accounts (borrower & guarantor)
Passbook(s) of current bank accounts (borrower & guarantor).
PAN Card (borrower & guarantor)
PAN Card (borrower & guarantor). Declaration A Self Declaration has to be submitted by the applicant using the format supplied with the application form For Project Report (Complete the prescribed project report form and file it in duplicate together with the documents below)
Quotations from authorised dealers for every asset to…
Quotations from authorised dealers for every asset to be bought, and for raw material or stock.
The unit's registration, wherever required
The unit's registration, wherever required.
N.O.C./Trade Licence issued by the Panchayat/Municipality
N.O.C./Trade Licence issued by the Panchayat/Municipality.
Any further N.O.C
Any further N.O.C. needed from a Government department or authority, as applicable.
An N.O.C
An N.O.C. on ₹ 50/- stamp paper in the prescribed format from the owner of the premises where the activity will be set up.
The latest tax receipt/shop registration for the proposed…
The latest tax receipt/shop registration for the proposed premises.
Proof of electricity/water connection (Wherever necessary)
Proof of electricity/water connection (Wherever necessary).
How to Apply
Offline Application
Applicants can apply for Goa Tribal's Employment Generation Programme Scheme through the offline application process outlined below.
Go to the Department of Tribal Welfare, Govt
Go to the Department of Tribal Welfare, Govt. of Goa, Shram Shakti Bhavan, 5th Floor, Patto, Panaji-Goa, - 403 001.
Print out the application form proforma , or…
Print out the application form proforma , or ask the concerned authority for a physical copy.
Complete all mandatory fields in the form, stick…
Complete all mandatory fields in the form, stick on a passport-sized photograph signed across it, and attach copies of all mandatory documents (self-attested if required).
Hand in the signed and completed form with…
Hand in the signed and completed form with the documents to the concerned authority.
Exclusions / Who Is Not Eligible
Individuals who are defaulters to any bank, financial institution, etc are not eligible for this scheme.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.