The Ashraya Adhar Scheme aims to provide financial assistance to members of the Scheduled Tribes in Goa for the repair and renovation of their homes. Managed by the Social Welfare Department, this initiative addresses the financial barriers faced by the Scheduled Tribe community in accessing bank loans. This scheme primarily benefits individuals seeking to improve their living conditions through affordable loans.
Ashraya Adhar Scheme: Benefits, Eligibility, Documents, How to Apply: At a Glance
| Scheme Name | Ashraya Adhar Scheme |
| Run By | Social Welfare Department |
| Level | State |
| Beneficiaries | Members of Scheduled Tribes |
| Main Benefit | Loan of ₹5,00,000 at 2% per annum |
| Application Mode | Offline |
| Official Website | https://www.goa.gov.in/wp-content/uploads/2020/02/Schemes-of-the-ST-Corporation.pdf |
What You Get: Benefits
The Ashraya Adhar Scheme offers several key benefits:
- Financial assistance of up to ₹5,00,000 in the form of a loan at a low interest rate of 2% per annum.
- The loan is disbursed in two instalments: ₹3,75,000 immediately after loan sanctioning and ₹1,25,000 upon utilization of the first instalment.
- Beneficiaries are insured for life and property with the premium covered by the loanee.
- Work must commence within three months of the loan being sanctioned.
Who Can Apply: Eligibility Checklist
To qualify for the Ashraya Adhar Scheme, applicants must meet the following criteria:
- Belong to the Scheduled Tribe community.
- Own a house, either individually or jointly.
- If the house is owned jointly, each family unit residing separately is eligible.
- Be no more than 55 years old at the time of application, or up to 58 years if employed by the State/Central Government or a government-aided institution.
Who Is Not Eligible
Individuals who do not belong to the Scheduled Tribe community are not eligible for this scheme.
Documents Required
- Application form (to be filled out).
- Passport-sized photograph (signed).
- Proof of Scheduled Tribe status.
- Proof of house ownership.
- Any other documents as specified by the Corporation.
How to Apply
Offline
- Visit 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.
- Request a hard copy of the application form from the concerned officer.
- Fill in all mandatory fields in the application form and paste a signed passport-sized photograph.
- Attach copies of all required documents and self-attest if necessary.
- Submit the completed application form along with the documents to the concerned officer and obtain a receipt/acknowledgement.
Common Mistakes and Practical Tips
- Ensure all documents are complete and correctly filled to avoid delays in application processing.
- Keep a copy of the submitted application and receipt for your records.
- Check the eligibility criteria carefully to confirm that you meet all requirements before applying.
- Be aware of the three-month deadline to commence work after receiving the loan sanction.
Frequently Asked Questions
What is the maximum loan amount under the Ashraya Adhar Scheme?
The maximum loan amount is ₹5,00,000.
Who qualifies for the Ashraya Adhar Scheme?
Individuals belonging to the Scheduled Tribe community who own a house are eligible to apply.
Where can I apply for the Ashraya Adhar Scheme?
Applications can be submitted at the Goa State Scheduled Tribes Finance and Development Corporation Limited office in Panaji, Goa.
How can I check the status of my application?
You can contact the District Social Welfare Officer (DSWO) to check the status of your application.
Is there a renewal process for the loan?
As per official notification.
Is there a helpline for assistance with the application?
As per official notification.
मुख्य जानकारी हिंदी में
- आश्रय आधार योजना गोवा राज्य द्वारा संचालित है।
- यह योजना अनुसूचित जनजाति के सदस्यों को वित्तीय सहायता प्रदान करती है।
- ऋण की अधिकतम राशि ₹5,00,000 है।
- आवेदन प्रक्रिया ऑफलाइन है।
- आवेदन पत्र और आवश्यक दस्तावेज जमा करना होगा।
| Ashraya Adhar Scheme: Benefits, Eligibility, Documents, How to Apply – Important Links | |
|---|---|
| Guidelines | Click Here |
| Citizen’s Charter (2022) | Click Here |
