The Ashraya Adhar Scheme is a loan initiative by the Goa State Scheduled Tribes Finance and Development Corporation Limited under the Department of Tribal Welfare, Government of Goa. This scheme aims to provide financial assistance to members of the Scheduled Tribe community for the repair, renovation, or reconstruction of their houses. It is designed to help those who are unable to avail bank loans due to high interest rates, ensuring that quality housing is maintained at affordable costs.
Benefits
- Loan Amount:
- Up to ₹5,00,000/- advanced as financial assistance in the form of a loan at an interest rate of 2% per annum.
- Disbursement Mode:
- The loan is advanced in two instalments:
- First Instalment: ₹3,75,000/- released immediately after the loan is sanctioned.
- Second Instalment: ₹1,25,000/- released upon submission of utilization bills and after physical verification/inspection by a Corporation officer.
- The loan is advanced in two instalments:
- Implementation Note:
- The loanee must commence the actual repair, renovation, or reconstruction work within three months from the date of the sanctioned amount.
- Insurance:
- Beneficiaries are insured for life and property with an insurance agency identified by the Corporation. The premium is typically borne by the loanee unless decided otherwise by the Corporation.
Eligibility Criteria
- Community Requirement:
- The applicant must belong to the Scheduled Tribe community.
- House Ownership:
- The applicant must own a house (this includes a “mundcarial” house) either individually or jointly.
- In the case of jointly owned houses with separate family units residing in them, each unit is eligible for support.
- Age Limit:
- The applicant should be 55 years or younger at the time of the loan application.
- For employees of the State/Central Government, Government Corporations/Boards, or aided Institutes, the age limit is relaxed up to 58 years.
Application Process (Offline)
- Visit the Office:
- Go to the office of the Goa State Scheduled Tribes Finance and Development Corporation Limited located at:
2nd Floor, Smruti Building, Swami Vivekanand Rd, Altinho, Panaji, Goa – 403001.
- Go to the office of the Goa State Scheduled Tribes Finance and Development Corporation Limited located at:
- Obtain the Application Form:
- Request a hard copy of the application proforma from the Concerned Officer.
- Fill the Application:
- Complete all mandatory fields.
- Paste a recent passport-size photograph (signed across, if required).
- Attach self-attested copies of all mandatory documents.
- Submit the Application:
- Submit the filled and signed form along with the required documents to the Concerned Officer.
- Obtain a receipt or acknowledgment containing the date, time of submission, and a unique identification number (if applicable).
Post Application Process
- Verification & Appraisal:
- A list of eligible applicants is prepared, and a physical verification/inspection is carried out by a Corporation officer.
- The complete application, along with the inspection report, is then presented before the sanctioning authority for appraisal and final approval.
- Application Status:
- For status updates, the District Social Welfare Officer (DSWO) may be contacted.
Documents Required
- Scheduled Tribe Certificate (self-attested).
- Age Proof:
- Birth Certificate, School Leaving Certificate, or Driving License (self-attested).
- Self-Affidavit:
- On a ₹50/- stamp paper, duly notarized.
- Latest House Tax Receipt:
- Original or self-attested copy.
- N.O.C. from Co-owner:
- If the house is jointly owned, an N.O.C. on a ₹50/- stamp paper (duly notarized) is required.
- Income Proof:
- Salary Certificate/Last 03 months’ Pay Slips with Form 16, or last 06 months’ Bank Statement.
- For self-employed, the last 3 years’ I.T.R. along with the last 06 months’ Bank Statement, or an income declaration cum affidavit on a ₹50/- stamp paper (duly notarized).
- Surety Details:
- Two sureties with one passport photo each, latest salary certificate or last 03 months’ pay slips with a 06 months’ bank statement or Form 16, and an affidavit of surety on a ₹50/- stamp paper (duly notarized) plus ID proof.
- Note: If one surety is a Government employee, the second surety is not required. Also, if the applicant is employed by the Government/Corporation/Board or aided Institute, no surety is required.
- Estimated Cost Certificate:
- Prepared as per the prescribed format, detailing the cost of repair/renovation/reconstruction and the scheduled date of work.
- House Photos:
- Recent photographs of the house to be repaired/renovated/reconstructed.
- Aadhaar Card Copy:
- Self-attested copy of the applicant’s Aadhaar Card.
- Passport-Size Photographs:
- Two recent copies.
- Bank Mandate Form.
Frequently Asked Questions (FAQs)
-
What is the purpose of the Ashraya Adhar Scheme?
To provide low-interest loans to Scheduled Tribe members for repairing, renovating, or reconstructing their houses. -
How much financial assistance is available under the scheme?
Up to ₹5,00,000/- is advanced as a loan. -
At what interest rate is the loan offered?
The loan is provided at 2% per annum. -
How is the loan disbursed?
The loan is released in two instalments:- First Instalment: ₹3,75,000/- immediately upon sanction.
- Second Instalment: ₹1,25,000/- upon submission of utilization bills and physical verification.
-
What is the time limit for commencing the work?
Work must commence within three months from the release of the sanctioned amount. -
Who is eligible for the scheme?
Any person belonging to the Scheduled Tribe community who owns a house (including joint ownership) and meets the age criteria (not more than 55 years, or up to 58 years for eligible government employees). -
How can I obtain the application form?
The form can be collected from the office of the Goa State Scheduled Tribes Finance and Development Corporation Limited. -
How is the application submitted?
The completed application along with the required documents is submitted offline to the concerned officer at the corporation’s office. -
Who do I contact for checking the application status?
The District Social Welfare Officer (DSWO) can be contacted for updates on the application status.