The Goa Tribal’s Employment Generation Programme Scheme is launched by the Department of Tribal Welfare, Government of Goa. It targets educated unemployed individuals aged 18 to 45 years from tribal communities. The scheme offers a 40% subsidy on the total loan (i.e., on 95% of the project cost). Loans can be availed for:
• Micro & Small Manufacturing Enterprises
• Service Enterprises
• Trade Enterprises
Applicants must undergo compulsory entrepreneurship training (up to 7 days).
Collateral Requirements
• Loan up to ₹2,00,000: Personal guarantee of applicant and spouse/parent/relative
• Loan between ₹2,00,000 – ₹6,00,000: Third-party guarantor(s) with sufficient credibility or unencumbered property
• Loan above ₹6,00,000: Guarantor must provide notarized copy of ownership documents of unencumbered property in Goa
Recovery
• In case of default, the loan will be recovered under Land Revenue Act, DRT, or other applicable laws
Service Charges (EDC)
• ₹50,000/- for ₹1 crore disbursed
• 1% from the 2% interest collected from beneficiaries
Benefits
| Type of Activity | Max Project Cost (₹ in Lakhs) | Max Working Capital Limit |
|---|---|---|
| Micro & Small Manufacturing | 25 | 35% |
| Service Enterprises | 15 | 80% |
| Trade Enterprises | 15 | 80% (100% for agricultural produce) |
• Subsidy on Loan: 40%
• Promoter’s Contribution: 5%
• Interest Rate: 4% p.a.
• Repayment Schedule: 60 to 120 EMIs
• Moratorium Period: 3 to 6 months (as per GTEGP-TFC)
• Penal Interest: None
• Security: Mortgage/hypothecation of fixed and/or current assets
Training
• 7-day compulsory entrepreneurship training within 6 months of loan sanction
Eligibility
• Must be unemployed
• Age between 18 and 45 years
• Must have passed Class 4th (relaxable in deserving cases)
• Must be a tribal community member (as notified by Goa Government)
• Must be a permanent resident of Goa for at least 15 years
• Must not be a defaulter with any bank/financial institution
• Eligible sectors: Manufacturing, Service, Trade
• Not eligible: Farming, tobacco-related products, and red-category industries
Exclusions
• Individuals who are loan defaulters
• Farming and tobacco businesses
• Red-category industries
Application Process
Offline
• Step 1: Visit the Department of Tribal Welfare, Shram Shakti Bhavan, 5th Floor, Patto, Panaji-Goa
• Step 2: Collect or download the application form
• Step 3: Fill the form, affix photo, and attach self-attested documents
• Step 4: Submit the complete application to the concerned authority
Documents Required
For Loan Application:
• 2 recent passport-size photographs (applicant & guarantor)
• Birth Certificate
• Valid Caste Certificate
• School Leaving / Qualification Certificate
• 15 years Residential Certificate
• House Tax Receipt (applicant & guarantor)
• EPIC / Aadhaar Card
• Other supporting certificates (marriage, disability, widowhood, etc.)
• Driving License (if applying for vehicle loan)
• Bank Passbook(s)
• PAN Card
Declaration: Self-declaration in the prescribed format
For Project Report Submission:
• Quotations of assets/raw material from authorized dealers
• Business registration (if applicable)
• Trade License/NOC from local authorities
• Any other required NOCs from departments
• NOC from the premises owner on ₹50 stamp paper
• Latest tax receipt of proposed premises
• Proof of electricity/water connection (if needed)
Frequently Asked Questions
Q: Can applicants apply for more than one type of business activity?
No, only one business activity is allowed per application.
Q: What is the recovery process for loans?
Defaults are recoverable under Public Money Recovery Acts or as arrears of land revenue.
Q: Is the moratorium period flexible?
Yes, it ranges from 3 to 6 months as per the discretion of GTEGP-TFC.
Q: What activities are not supported?
Farming, tobacco products, and red-category industries are ineligible.
Q: Are agricultural produce businesses supported?
Yes, under Trade Enterprises, they get 100% working capital limit.
Q: What’s the interest and repayment schedule?
Interest is 4% p.a., repayable in 60 to 120 EMIs.