The Goa Tribal’s Employment Generation Programme Scheme (GTEGP) is a flagship initiative by the Department of Tribal Welfare, Government of Goa, aimed at fostering entrepreneurship and generating employment opportunities for educated unemployed individuals from tribal communities. The scheme provides financial assistance in the form of subsidized loans for setting up Micro and Small Manufacturing Enterprises, Service Enterprises, and Trade Enterprises.
Under this program, beneficiaries receive a 40% subsidy on the loan amount, which covers 95% of the project cost, with the remaining 5% as the promoter’s contribution. Additionally, applicants are required to undergo compulsory entrepreneurship training to equip them with the skills necessary for running their ventures successfully.
Key Benefits of the Scheme
- Subsidy: 40% of the loan amount (covering 95% of the project cost).
- Loan Interest Rate: 4% per annum.
- Penal Interest: Nil.
- Moratorium Period: 3 to 6 months (at the discretion of GTEGP-TFC).
- Repayment Schedule: Flexible repayment over 60 to 120 EMIs.
- Maximum Project Cost:
- Manufacturing Enterprises: ₹25 lakhs.
- Service and Trade Enterprises: ₹15 lakhs.
- Working Capital Limits:
- Manufacturing Enterprises: 35% of the project cost.
- Service and Trade Enterprises: 80% of the project cost (100% for agricultural produce).
Eligibility Criteria
To qualify for the Goa Tribal Employment Generation Programme Scheme, applicants must meet the following criteria;
General Eligibility
- Residency: Must be a permanent resident of Goa for at least 15 years.
- Age: Between 18 and 45 years.
- Education: Passed Class 4th (relaxable for deserving cases).
- Community: Must belong to a tribal community notified by the Government of Goa.
- Employment Status: Should be unemployed.
- Credit History: Should not be a defaulter to any bank or financial institution.
Eligible Activities
- Micro and Small Manufacturing Enterprises.
- Service Enterprises.
- Trade Enterprises.
Non-Eligible Activities
- Farming activities.
- Tobacco products.
- Red-category industries.
Loan Details and Security Requirements
Collateral Requirements
- Up to ₹2,00,000: Personal guarantee of the applicant and spouse/parent/relative.
- ₹2,00,000 to ₹6,00,000: Third-party guarantor(s), such as government employees or property owners.
- Above ₹6,00,000: Notarized ownership documents of unencumbered immovable property owned by the guarantor(s).
Recovery Process
In case of default, the loan amount will be recovered under the Public Money Recovery Act, DRT Act, or other relevant laws.
How to Apply – Offline Process
The application process for the scheme is offline and involves the following steps;
- Visit the Department Office: Go to the Department of Tribal Welfare, Shram Shakti Bhavan, 5th Floor, Patto, Panaji-Goa, 403 001.
- Obtain Application Form: Either download and print the Proforma or request a hard copy from the concerned authority.
- Fill the Form: Complete all mandatory fields, paste a signed passport-sized photograph, and attach self-attested copies of required documents.
- Submit Documents: Submit the duly filled application form along with the supporting documents to the concerned authority.
Essential Documents
For Loan Assistance
- Recent photographs (borrower & guarantor).
- Birth certificate.
- Valid caste certificate issued by a competent authority.
- School leaving or qualification certificate.
- 15-year residential certificate.
- House tax receipt (borrower & guarantor).
- EPIC/UID (borrower & guarantor).
- Bank passbooks of existing accounts (borrower & guarantor).
- PAN card (borrower & guarantor).
- Any other relevant certificates (e.g., marriage, handicap, widow).
For Project Report
- Quotations for assets, raw materials, or stock.
- Registration of the unit (if applicable).
- NOC/Trade license from Panchayat/Municipality.
- Relevant NOCs from government departments.
- NOC on ₹50 stamp paper from the premises owner.
- Latest tax receipt/registration of the shop.
- Proof of electricity/water connection (if applicable).
Frequently Asked Questions (FAQs)
Can applicants apply for assistance under this scheme for more than one type of business activity?
No, applicants can apply for only one type of business activity under the scheme.
What is the recovery process for loans under this scheme?
Loans in default are recovered under the Public Money Recovery Act, DRT Act, or other relevant laws.
Are there any provisions for extending the moratorium period?
Yes, the moratorium period may be extended at the discretion of the GTEGP-TFC.
Is there a limit on the loan amount?
Yes, the maximum loan amount varies based on the type of enterprise: ₹25 lakhs for manufacturing and ₹15 lakhs for service and trade enterprises.
What types of activities are not eligible for assistance?
Farming activities, tobacco products, and red-category industries are excluded.
Is there any service charge associated with this scheme?
Yes, a service charge of ₹50,000 is levied for every ₹1 crore of subvention disbursed.
What is the role of the GTEGP-Task Force Committee?
The GTEGP-TFC oversees the implementation of the scheme, including loan approvals and monitoring.
What happens in the case of loan defaults?
Defaulters are subject to recovery under the Public Money Recovery Act or other relevant laws.
Are there specific requirements for the project report?
Yes, applicants must submit quotations, NOCs, and proof of registration/licenses as part of the project report.
What is the compulsory entrepreneurship training?
Beneficiaries must undergo a 7-day entrepreneurship training within six months of loan sanction.
What type of security is required for the loan?
Security varies based on the loan amount and includes personal guarantees, third-party guarantees, or property documents.
How flexible is the repayment schedule?
Repayment is flexible, ranging from 60 to 120 EMIs, depending on the discretion of the GTEGP-TFC.
What is the interest rate, and is there penal interest for defaults?
The interest rate is 4% per annum, with no penal interest for defaults.
Are there special provisions for agricultural produce businesses?
Yes, trade enterprises dealing with agricultural produce can avail 100% working capital limits.
Conclusion & Important Links
The Goa Tribal Employment Generation Programme Scheme is a transformative initiative aimed at empowering unemployed tribal youth by providing them with financial assistance and entrepreneurial training. By offering subsidized loans, flexible repayment terms, and comprehensive support, the scheme ensures that beneficiaries can establish sustainable businesses and contribute to the state’s economic development.
If you’re an unemployed tribal individual in Goa, seize this opportunity to turn your entrepreneurial dreams into reality. Visit the Department of Tribal Welfare today and take the first step toward financial independence!
