Ashraya Adhar Scheme
State: Goa
Ministry: null
Department: Social Welfare Department
Category: Social welfare & Empowerment, Banking,Financial Services and Insurance
Beneficiary Type: Individual

"Ashraya Adhar Scheme" is introduced to provide financial assistance in the form of loans to the members of Scheduled Tribes for the purpose of repair, renovation/reconstruction of houses. The Goa State Scheduled Tribes Finance and Development Corporation has introduced this scheme.

Benefits:
**₹ 5,00,000/-** advanced as financial assistance in the form of a loan @ 2% per annum. 
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> **Mode of Advance**

The loan amount shall be advanced in two instalments after the submission of the required documents is complete in all respect. 
**₹ 3,75,000/-** immediately after sanctioning the loan. 
**₹ 1,25,000/-** on utilization of the first instalment. The 2nd instalment is to be released on submission of utilization bills and on the basis of physical verification/inspection carried out by the officer of the Corporation.
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**NOTE:** Loanee shall commence the actual work within 03 months from the date of the sanctioned amount released.
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> **Insurance**

The beneficiary shall be insured for life and property with the Insurance Agency identified by the Corporation and the premium of such policies shall be borne by the loanee (unless and otherwise decided by the Corporation).

Eligibility:
1. Any person belonging to Scheduled Tribe Community and having his/her house (which shall also include a mundcarial house) either owned individually or jointly will be eligible for financial assistance under this scheme. 
1. In case the house is owned jointly and there are different family units in the same house residing separately, each such unit will be eligible for financial support.
1. The age of the applicant should not be more than 55 years as of the date of the loan application. However, the age of the applicant is relaxed up to 58 years in case the applicant is an employee of the State/ Central Government/ Government Corporation/ Board or aided Institute.

Application Process:
[Offline]
Step 1: Visit the Office of the Goa State Scheduled Tribes Finance and Development Corporation Limited, 2nd floor, Smruti Building, Swami Vivekanand Rd, Altinho, Panaji, Goa 403001.
Step 2: Request a hard copy of the proforma of the application form for the scheme from the Concerned Officer of the Corporation.
Step 3: In the application form, fill in all the mandatory fields, paste the passport-sized photograph (signed across), and attach copies of all the mandatory documents (self-attest if required).
Step 4: Submit the duly filled and signed application form along with the documents to the Concerned Officer.
Step 5: The loan application shall only be accepted after proper scrutiny. Acquire the receipt/acknowledgement of the successful submission of the application from the Concerned Officer.
Check Application StatusThe District Social Welfare Officer (DSWO) can be contacted regarding the application status of the scheme.
Post Application ProcessesThe list of eligible applicants will be prepared and physical verification/inspection will be carried out by the officer of the Corporation. 
The application form along with documents and inspection report will be placed before the sanctioning authority for appraisal and approval.

Documents Required:
1.   Scheduled Tribe Certificate (Self-attested). 
2.   Age proof of applicant (Birth Certificate / School Leaving Certificate / Driving License)(Self-attested). 
3.   Self Affidavit on ₹ 50/- Stamp Paper duly notarized. 
4.   The copy of the latest house tax receipt. (original/self-attested). 
5.   N.O.C from Co-owner (if any) on ₹ 50/- Stamp Paper duly notarized. 
6.   Income Proof of the applicant i.e. salary certificate/ Last 03 months' Pay slips along with Form 16 or last 06 months' Bank Statement. 
NOTE: In case the applicant is self-employed then the Last 3 years' I.T.R. along with the last 06 months' bank statement or income declaration cum affidavit on ₹50/- stamp paper duly notarized to be produced.
7.   02 (Two) sureties with one passport photo of each surety, latest salary certificate or last three (03) months payslips along with last (06) months bank statement or Form 16, affidavit of surety on ₹ 50/- Stamp Paper duly notarized and ID proof of surety. 
NOTE: In case the applicant produces one surety working in the Government Department/ Corporation/ Board/Aided Institute, then 2nd Surety is not required. In case of the applicant is an employee of the State/ Central Government/Government Corporation/ Board or aided Institute no surety is required.
8.   Estimated Cost of Repair/Renovation/Reconstruction of the house (as per format).
9.   Photos of the house to be repaired/renovated/reconstructed. 
10.   Aadhar Card copy applicant (Self-attested).
11.   Two passport-size photos of the applicant.
12.   Bank Mandate Form.