Ashraya Adhar Scheme

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“Ashraya Adhar Scheme” is a Loan Scheme by the Goa State Scheduled Tribes Finance and Development Corporation Limited, Department of Tribal Welfare, Government of Goa. This 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 corporation has come up with the idea to help the Scheduled Tribe Community by providing financial assistance for the repair, and renovation/reconstruction of houses. There are many members of the ST Community who are willing to, but due to the higher rate of interest offered by banks, they cannot afford to avail of the bank loan for repairs, renovation or reconstruction of houses.


₹ 5,00,000/- advanced as financial assistance in the form of a loan @ 2% per annum.

Mode of advance

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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.


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).


  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.
  2. 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.
  3. 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.
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