Ashraya Adhar Scheme Goa: Housing Loans for ST Communities

Overview

The Ashraya Adhar Scheme is a housing assistance programme run by the Government of Goa, targeting members of the Scheduled Tribe (ST) community. The scheme provides access to affordable housing loans to help tribal families construct a new home or purchase an existing one. It is administered through the Goa Scheduled Tribe Finance and Development Corporation or a designated state agency.

Objective

The scheme aims to address the housing needs of Scheduled Tribe communities in Goa who lack the financial resources to build or buy a home. It supports tribal families in achieving secure and permanent housing, which is a foundational step toward overall social and economic stability.

Benefits

• Housing loan at subsidized interest rates for ST beneficiaries
• Covers costs related to construction of a new house or purchase of a ready home
• Concessional repayment terms with an extended tenure
• Subsidy component on interest or principal to reduce the overall loan burden

Eligibility

• Must be a member of a Scheduled Tribe recognized in Goa
• Must be a permanent resident of Goa
• Should not already own a pucca house
• Annual family income must be within the limit prescribed by the scheme
• Applicant must be above 18 years of age
• Must have a valid bank account

Exclusions

• Non-ST applicants are not eligible under this scheme
• ST individuals who already own a permanent house are excluded
• Those who have previously availed of government housing loans under another state or central scheme may not be eligible
• Commercial property loans are not covered

Application Process

1. Visit the Goa Scheduled Tribe Finance and Development Corporation or the Directorate of Tribal Welfare
2. Obtain the application form for the Ashraya Adhar Scheme
3. Fill in the form with personal details, income information, and property details
4. Submit the form with all required documents
5. After verification of eligibility and property documents, the loan is sanctioned and disbursed

Documents Required

• ST caste certificate issued by a competent authority in Goa
• Aadhaar card and identity proof
• Proof of residence in Goa
• Income certificate
• Land or property documents
• Bank account passbook
• Passport-size photographs