Goa Govt. Schemes
Made Easy to Understand

👤 Eligibility

• The cadet should have been born in Goa and/or domiciled in Goa for a period of at least 15 years.
• The income limit of the cadet’s parents/ guardians shall not exceed ₹ 15,000/- per month (₹ 1,80,000 per annum).
• In case the cadet is SC/ST/OBC, the income limit of the cadet’s parents/ guardians shall not exceed ₹ 37,500/- per month (₹ 4,50,000 per annum).
• The cadet should not be receiving financial assistance/scholarship/freeship from any other source.

🎁 Benefits

• Scholarship of ₹ 1,000/- per month during the period of training (subject to a maximum of 24 months or duration of the course whichever is less).
• One Time Outfit Allowance of ₹ 12,000/-.

📋 How to Apply

1. Step 1: The interested applicant should visit the Directorate of Higher Education, Government of Goa, DTE Building, Alto-Porvorim, Bardez, Goa 403521.
2. Step 2: Take a print of the proforma of the application form, or request a hard copy from the concerned authority.
3. 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).
4. Step 4: Submit the duly filled and signed application form along with the documents to the concerned authority.

👤 Eligibility

• All the educational institutes in Goa, affiliated with a recognized public university are eligible to apply for this scheme.

🎁 Benefits

• All educational institutes in Goa, affiliated with a recognized public university, can avail of a one-time grant of up to ₹ 10,00,000 towards capital expenses, for setting up of an incubator within their institute campuses.
• The educational institutes with existing incubation facilities can also avail of the grant for capital expenses for further expansion of incubation facilities.
• The maximum number of institutes to avail of this benefit cannot exceed 15 per year.
• The educational institutes with existing incubation facilities will also be provided with a grant of up to ₹ 3,00,000 per year, for a period of three years, towards operational expenses.
• Relaxation / Preference / Priority
• The preference will be given to well-performing applicants.
• NOTE 1: The institutes claiming the benefits under this scheme cannot restrict the incubation facilities only to the students of their institute.
• NOTE 2: Under no circumstance shall the benefits under this scheme be considered an entitlement. The SPC shall reserve the sole right to accept or reject applications.
• NOTE 3: For the purpose of determining eligible expenses towards capital expenses, Accounting Standard 102 for Fixed Assets by the Institute of Cost Accountants of India would be used.

📋 How to Apply

1. Step 1: Visit the Official Website of Goa Startup Mission.
2. Step 2: Verify your Email ID and Mobile Number using OTP. You will be redirected to the Registration Page.
3. Step 3: On the Registration/Signup Page , fill in all the mandatory fields of the registration form (Country, Name, Date of Birth, Address, PIN Code, Gender, etc.).
4. Step 4: Create a Login Name and a strong Password (Password can have special characters like @ # $ % ^ & + =).
5. Step 5: Carefully read the Declaration and the Terms & Conditions, and tick the checkboxes.
6. Step 6: Fill in the Captcha Code, and click "Register/Signup".
7. Step 7: Login to the website using your Login Name and Password. Fill in the Captcha Code, and click "Login".
8. Step 8: Navigate to the online application form for the relevant scheme.
9. Step 9: In the application form, fill in all the mandatory fields and upload all the mandatory documents (self-attest if required).
10. Step 10: Submit the application and note the application reference number for application tracking.
11. OR
12. Step 1: Take a print of the proforma of the application form. Fill in all the mandatory fields, and attach copies of all the mandatory documents (self-attest if required).
13. Step 2: Submit the duly filled and signed application form along with the documents to SPC via Email at spc-dit.goa@gov.in
14. NOTE: The applicant can apply for this scheme at any time of the financial year but only within 6 months of incurring the relevant expenditure.
15. Notification
16. The applications received by the SPC shall be evaluated and approval or rejection shall be notified within 45 days from receipt of the application by the SPC.

👤 Eligibility

• The applicant should be a regular industrial worker/employee of the Goa Labour Welfare Board.
• The applicant should have at least 6 months of continuous service.
• The applicant should not be employed in supervisory or managerial roles earning ₹1,600/- and above per month.
• The applicant should have wages/salary not exceeding ₹20,000/-.
• The applicant should have children studying in classes 1st to 4th in recognized/approved schools.
• Criteria for Selection
• Lowest income of the parents.
• Preference will be given to the students studying in higher classes.
• Workers having not more than two children will be given priority.

🎁 Benefits

• Financial Assistance (based on the child's Level of Education)
• Class 1st: ₹1,200.
• Class 2nd: ₹1,200.
• Class 3rd: ₹1,800.
• Class 4th: ₹1,800.
• Purpose
• Purchase of Textbooks / Notebooks.
• Disbursement
• Through the management of the Head of the Institutions where their children are studying.

📋 How to Apply

1. Step 1: The interested applicant should take print of the prescribed format of the application form for the scheme from the Official Website of the Department of Labour and Employment, Goa.
2. Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph (if required), and attach copies of all the mandatory documents (self-attest, if required).
3. Step 3: The interested applicant should submit the duly filled and signed application form and the documents through their employers or through the Heads of Educational Institutions where their child is studying, to the Secretary, Goa Labour Welfare Board, 4th floor, Shram Shakti Bhavan, Patto Centre, Panaji, Goa - 403 001.
4. *The application should reach the Secretary on or before 30th Sept, every year.

👤 Eligibility

• The applicant should be an industrial worker/employee.
• The applicant should be registered with the Goa Labour Welfare Board.
• The applicant should have a minimum of 6 months of continuous service to the Board at the time of application.
• The monthly salary of the applicant should not exceed ₹20,000/-.
• The age of the child of the applicant should be between 5 to 10 years.
• The child of the applicant should be studying in 1st to 4th standard.
• The child of the applicant should be enrolled in a recognized, aided, or private school.
• Preference is given to workers with no more than two children.

🎁 Benefits

• Financial Assistance of ₹1,600/- per student per annum, intended for the purchase of one set of uniforms (shorts/trousers and shirts for male children, and frock for female children).

📋 How to Apply

1. Step 1: The interested applicant should take print of the prescribed format of the application form for the scheme from the Official Website of the Department of Labour and Employment, Goa.
2. Step 2: In the application form, fill in all the mandatory fields, paste the passport-sized photograph (if required), and attach copies of all the mandatory documents (self-attest, if required).
3. Step 3: The interested applicant should submit the duly filled and signed application form and the documents through their employers or through the Heads of Educational Institutions where their child is studying, to the Secretary, Goa Labour Welfare Board, 4th floor, Shram Shakti Bhavan, Patto Centre, Panaji, Goa - 403 001.
4. *The application should reach the Secretary on or before 30th Sept of the current year.

👤 Eligibility

• The applicant must be a bonafide resident of the State of Goa
• The applicant must be a regular student of a recognized school
• The applicant's parents/guardian's combined annual income should not exceed ₹25,000
• The applicant must be physically handicapped as specified under Rule 4 read with Rule 5
• The applicant should not be a repeater in the current standard (one failure can be condoned at Director's discretion)
• The applicant should not be residing in or receiving maintenance from any government institutions, local bodies, or grant-receiving private organizations
• The applicant should not be receiving any other stipend or scholarship
• Multiple handicapped children from the same family are eligible if other conditions are met

🎁 Benefits

• Monthly Stipend Rates
• Standards 1 to 4: ₹200 per month
• Standards 5 to 8: ₹200 per month
• Standards 9 to 12: ₹300 per month
• Duration: 11 months (full academic year)
• Disbursement: Two installments (September and January)

📋 How to Apply

1. For Registration
2. Step 1: Visit the Official Website of the Chief Minister Scholarship Portal, Government of Goa.
3. Step 2: At the top right corner of the landing page, click "Register". You will be taken to the registration page .
4. Step 3: On the registration page, under the "Student Registration" section, click "Click Here".
5. In the Student Registration Form, fill in the following fields:
6. Student's Name, Gender, Category, Date of Birth (DD-MM-YYYY), Aadhaar Number, House Number, Waddo/Street, Village Panchayat/Municipality, District, Taluka, Assembly/Constituency, City/Town/Village, PIN Code, Mobile Number, Email ID.
7. Step 4: Create a password ranging between 8 to 15 characters and confirm the same.
8. Step 5: Click "Register" and then click "Yes" to the Confirmation Popup.
9. For Application
10. Step 1: Upon successful registration, visit the Official Website of the Chief Minister Scholarship Portal, Government of Goa.
11. Step 2: At the top right corner of the landing page, click " Login ".
12. Step 3: On the login page, fill in your username, password, captcha code, and click "Login".
13. Step 4: Upon logging in, a list of eligible schemes will be displayed. Click the scheme that you intend to apply for.
14. Step 5: In the "Apply" section on the side navigation bar, click "Fresh Application".
15. Step 6: Fill in all the mandatory fields of the Application Form and upload all the required documents in the specified format and size and click "Submit".
16. Post Application Process
17. 1. After successful submission of the application, your school/institution will verify the application and submit it to the directorate for further scrutiny.
18. 2. In case of an issue in the application form or documents uploaded, the school/institution can send back the application to the student for necessary corrections and resubmission.
19. Track Your Application
20. Step 1: In the side navigation bar, click " Track Application ".
21. Step 2: On the next page, provide your Aadhaar Number and Date of Birth, and click "Submit".
22. Contact Us
23. https://cmscholarship.goa.gov.in/fcontactus.aspx

👤 Eligibility

• The applicant must be a permanent resident of Goa.
• The applicant must be the registered owner of the Electric Vehicle for which the Purchase Incentive is claimed.
• The applicant must ensure the vehicle is an Electric Two Wheeler, Three Wheeler, or Four Wheeler purchased or converted in the State of Goa.
• The applicant must purchase the Electric Vehicle from Convergence Energy Services Limited to avail of their low-cost loans and financial incentives.

🎁 Benefits

• Financial Year 2021-2022: ₹10,000/- per kilowatt-hour (kWh) for Two Wheelers, Three Wheelers, and Four Wheelers.
• Financial Year 2022-2023: ₹8,000/- per kilowatt-hour (kWh) for Two Wheelers, Three Wheelers, and Four Wheelers.
• Financial Year 2023-2024: ₹6,000/- per kilowatt-hour (kWh) for Two Wheelers, Three Wheelers, and Four Wheelers.
• Financial Year 2024-2025: ₹4,000/- per kilowatt-hour (kWh) for Two Wheelers, Three Wheelers, and Four Wheelers.
• Financial Year 2025-2026: ₹2,000/- per kilowatt-hour (kWh) for Two Wheelers, Three Wheelers, and Four Wheelers.
• Two Wheeler: Not exceeding ₹30,000/- (for a maximum of 3,000 vehicles).
• Three Wheeler: Not exceeding ₹60,000/- (for a maximum of 50 vehicles).
• Four Wheeler: Not exceeding ₹3,00,000/- (for a maximum of 300 vehicles).
• Two Wheeler: ₹5,000/-.
• Three Wheeler: ₹10,000/-.
• Four Wheeler: ₹10,000/-.
• Two Wheeler: ₹5,000/-.
• Three Wheeler: Not applicable (NIL).
• Four Wheeler: Not applicable (NIL).
• Incentive for Vehicle Manufactured in Goa:
• Two Wheeler: ₹5,000/-.
• Three Wheeler: ₹10,000/-.
• Four Wheeler: ₹15,000/-.
• Central Government Faster Adoption and Manufacturing of Hybrid and Electric Vehicles (FAME)-II Scheme Subsidy: Provided as applicable.
• Low Cost Loans: Convergence Energy Services Limited will provide low cost loans to the consumer for the purchase of an Electric Vehicle if the vehicle is purchased from Convergence Energy Services Limited.
• Training and Capacity Building: Convergence Energy Services Limited will provide training/capacity building to local youths in the field of servicing of electric vehicles.
• The total amount of financial subsidy will be decided by the Department of New and Renewable Energy.
• Disbursement will be done on a First Come First Serve (FCFS) basis.
• The subsidy shall be disbursed in a single installment to the beneficiary concerned, which is 100% on purchase or conversion of the vehicle.
• The Purchase Incentive for conversion of an Old Internal Combustion Engine vehicle into an Electric Vehicle by a retrofitting kit will be provided as per the capacity of the battery or maximum up to the capping of the State subsidy, whichever is lower.
• If a consumer opts to purchase an Electric Vehicle directly from a dealer and avail benefits from the Government of Goa, the financial assistance from Convergence Energy Services Limited will not be available.
• The beneficiary must ensure that the purchase incentive for conversion is subject to the approval of the retrofitting kit by the Regional Transport Office.
• The registered owner of an Electric Vehicle claiming a Scrapping Incentive must obtain confirmation of scrapping and de-registration of the old Internal Combustion Engine vehicle by the Regional Transport Office, as reimbursement is subject to this confirmation.

📋 How to Apply

1. The application and disbursement process for the financial benefits under the "Scheme for Promotion of Electric Vehicles in the State of Goa" vary depending on the method used to acquire the Electric Vehicle (EV).
2. If the consumer chooses to purchase the Electric Vehicle from Convergence Energy Services Limited (CESL), the financial structure is designed to reduce the upfront cost.
3. Upfront Reduction: CESL will "club the incentives" provided under the Central Government's Faster Adoption and Manufacturing of Hybrid and Electric Vehicles (FAME)-II scheme (as applicable), along with the subsidy proposed by the State Government, and the contribution from the Original Equipment Manufacturer (OEM).
4. Purpose: This clubbing of incentives is specifically intended "to reduce the upfront cost of the vehicle to the consumer".
5. Loans: CESL also provides low-cost loans to the consumer for the purchase of the Electric Vehicle.
6. Condition: However, the consumer must purchase the vehicle directly from CESL to avail of this financial assistance and the upfront cost reduction mechanism.
7. If the consumer opts to purchase the Electric Vehicle "directly from dealer and avail benefits from Government of Goa," the financial assistance from CESL will not be available.
8. In this scenario (or when converting an existing vehicle), the State subsidy is provided as a disbursement to the beneficiary after the purchase and registration requirements are met.
9. Disbursement Pattern: The subsidy is disbursed "in a single installment to the beneficiary concerned i.e. 100% on purchase/conversion of the vehicle".
10. Documentation Requirement: To receive this disbursement, the beneficiary must engage in the "production of documents of purchase/conversion i.e. copy of Registration Certificate book and Insurance".
11. If the registered owner of the EV claims the Scrapping Incentive, the reimbursement of that incentive is subject to the confirmation of scrapping and de-registration of the old Internal Combustion Engine (ICE) vehicle by the Regional Transport Office (RTO).

👤 Eligibility

• The Mahila Mandal must have valid registration with the competent authority.
• The Mahila Mandal must have been operating successfully within the state of Goa for the last 2 years.
• Each group must submit a project report specifying the activities/training and a list of prospective beneficiaries with educational details.
• There must be a minimum of 20 members for training/orientation.
• *The government may relax any provision of the scheme at its discretion.
• *No additional liability for house rent, electricity bills, or water bills will be borne by the government under the scheme.

🎁 Benefits

• Financial Assistance
• An annual grant of ₹5,000/- is provided to registered Mahila Mandals for successful functioning in Goa.
• A financial assistance of ₹2,000/- is sanctioned per course for the purchase of raw materials to conduct self-employment activities.
• Resource persons may be provided by the Directorate for each course of activity through CDPOs.
• Conditions
• Financial assistance is sanctioned on a first-come, first-served basis, subject to government decision.
• Each Mahila Mandal can opt for only one training program at a time.
• Training duration should not be less than 4 hours per day for a course lasting 5 to 15 days.
• Regular attendance of participants must be maintained.

📋 How to Apply

1. The application should be submitted through the Child Development Project Officer (CDPO) of the concerned block. The Mukhya Sevika at the village level of the respective block will assist the Mahila Mandal in the submission process.
2. Post-Application Processes
3. Review and Sanction: The CDPO will review the application and forward it to the Directorate of Women & Child Development. Financial assistance will be sanctioned on a first-come, first-served basis, subject to government approval.
4. Conduction of Training Program: Once the financial assistance is sanctioned, the Mahila Mandal can conduct the training program. The date, time, and place of the training program must be fixed and informed to the Directorate of Women & Child Development before commencement.
5. Submission of Utilization Certificate: After the completion of the training program, the Mahila Mandal must submit the utilization certificate within one week. The CDPO will counter-sign the utilization certificate and forward it to the Director.
6. Monitoring and Reporting
7. The CDPO will submit monthly progress reports to the Directorate. A review of the scheme's implementation will be conducted in the monthly meeting at the Directorate.

👤 Eligibility

• The Mahila Mandals/Women’s Self-Help Groups should have valid registration with the Department of Women & Child Development, Panaji-Goa.
• The Mahila Mandals/Women’s Self-Help Groups shall be operating successfully for their members within the State of Goa.
• There shall be a minimum of 20 members for training/orientation.
• NOTE: The compulsion of 2 years of registration is deleted.

🎁 Benefits

• Financial Assistance: ₹ 20,000/- sanctioned as annual grants.
• Purpose: For successful functioning in the state of Goa.
• Financial Assistance: ₹ 5,000/-.
• Purpose: For undertaking any gainful self-employment activity training orientation in the activities .
• For the Master Trainers
• The Directorate may provide resource persons/ Master Trainers/Instructors for each course of activity through CDPOs.
• A fixed honorarium of ₹ 5,000/- will be paid per course..
• Actual Travel Allowance (TA) incurred shall be paid if travelling in the Taluka outside his/her jurisdiction.

📋 How to Apply

1. For the Mahila Mandal/ Self Help Groups
2. The application in the prescribed format , along with copies of the required documents shall be submitted through the CDPO of the concerned block , Mukhya Sevika at the village level of the respective block, at the cost of ₹ 100/-.
3. For the Master Trainers/Instructors
4. The application in the prescribed format , along with copies of the required documents shall be submitted through the CDPO of the concerned block , Mukhya Sevika at the village level of the respective block.

👤 Eligibility

• All Government school buildings that need urgent minor repairs are eligible.

🎁 Benefits

• Grant-in-Aid
• Sanctioned to the extent of 75% of the estimated cost expenditure of the works as the first instalment per work for the execution of minor works to the school buildings.
• Ceiling Limit
• The ceiling limit is ₹ 50,000/-, other than for the works for which funds have been allotted under the Sarva Shiksha Abhiyan Scheme.
• Mode of Payment
• The payment towards the expenditure is made through cheques.

📋 How to Apply

1. Step 1: The interested School Education Committee / Urban Education Committee, after identifying the necessary repair works, should prepare a detailed proposal that includes all the essential details such as cost estimates, etc.
2. Step 2: The interested School Education Committee / Urban Education Committee should submit the proposals (along with the copies of the required documents) to: Directorate of Education, Porvorim, Goa - 403 501, 0832-2416139, 0832-2416023, 0832-24160332.
3. Post-Application Process:
4. The Director of Education after scrutiny sanctions Grant-in-aid to the extent of 75% of the estimated cost expenditure of the works as first instalment per work for the execution of minor works to the school buildings.
5. NOTE 1: Apply within the prescribed period (if any).
6. NOTE 2: Request a receipt or acknowledgement from the concerned authority to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, and a unique identification number (if applicable).

👤 Eligibility

• 1. The applicant should be a Student.
• 2. The applicant should have either been born in Goa or should have resided in Goa for continuously at least 15 years.
• 3. The applicant should have secured admission to an institution recognized by the State/Central Goverment.
• 4. The applicant should be pursuing one of the following courses:
• Certificate Course in Home of Duration of at Least Six Months.
• Diploma in Home Nursing of Duration of One Year or More.
• Degree in Nursing of Duration of Three Years.
• Health Worker Course of Duration of One Year or More.
• 5. The annual income of the parent or guardian of the applicant (from all sources) shall not exceed ₹1,50,000/-.
• 6. The applicant should be from a Scheduled Caste / Scheduled Tribe / Other Backward Class / Minority or be differently-abled.
• NOTE: A scholarship holder under this scheme shall not avail of any other scholarship/stipend to pursue the same course.

🎁 Benefits

• For Certificate Courses of Duration of at Least Six Months: ₹ 3,500/- or Actual Whichever is Less.
• For Diploma Courses of Duration of One Year or More: ₹ 5,000/-or Actual Whichever is Less.
• For Degree in Nursing of Duration of Three Years: ₹ 10,000/- or Actual Whichever is Less.
• For Health Worker Course of Duration of One Year or More: ₹ 3,500/- or Actual Whichever is Less.
• For Day Scholars
• ₹500/- for Scheduled Caste Students
• ₹300/- for Other Students
• For Hostellers
• ₹800/- for Scheduled Caste Students
• ₹600/- for Other Students
• (towards the Expenditure to be incurred on Books, Uniform, Stationery etc)
• ₹ 1,000/- for Certificate Courses of Duration of at Least Six Months
• ₹ 2,000/- for Diploma Courses of Duration of One Year or More
• ₹ 3,000/- for Degree in Nursing of Duration of Three Years
• ₹ 2,000/- for Health Worker Course of Duration of One Year or More

📋 How to Apply

1. For Registration
2. Step 1: Visit the Official Website of the Chief Minister Scholarship Portal, Government of Goa.
3. Step 2: At the top right corner of the landing page, click "Register". You will be taken to the registration page .
4. Step 3: On the registration page, under the "Student Registration" section, click "Click Here".
5. In the Student Registration Form, fill in the following fields:
6. Student's Name, Gender, Category, Date of Birth (DD-MM-YYYY), Aadhaar Number, House Number, Waddo/Street, Village Panchayat/Municipality, District, Taluka, Assembly/Constituency, City/Town/Village, PIN Code, Mobile Number, Email ID.
7. Step 4: Create a password ranging between 8 to 15 characters and confirm the same.
8. Step 5: Click "Register" and then click "Yes" to the Confirmation Popup.
9. For Application
10. Step 1: Upon successful registration, visit the Official Website of the Chief Minister Scholarship Portal, Government of Goa.
11. Step 2: At the top right corner of the landing page, click " Login ".
12. Step 3: On the login page, fill in your username, password, captcha code, and click "Login".
13. Step 4: Upon logging in, a list of eligible schemes will be displayed. Click the scheme that you intend to apply for.
14. Step 5: In the "Apply" section on the side navigation bar, click "Fresh Application".
15. Step 6: Fill in all the mandatory fields of the Application Form and upload all the required documents in the specified format and size and click "Submit".
16. Post Application Process
17. 1. After successful submission of the application, your school/institution will verify the application and submit it to the directorate for further scrutiny.
18. 2. In case of an issue in the application form or documents uploaded, the school/institution can send back the application to the student for necessary corrections and resubmission.
19. Track Your Application
20. Step 1: In the side navigation bar, click " Track Application ".
21. Step 2: On the next page, provide your Aadhaar Number and Date of Birth, and click "Submit".
22. Contact Us
23. https://cmscholarship.goa.gov.in/fcontactus.aspx

👤 Eligibility

• The applicant must be an erstwhile beneficiary of the House Building Advance who had their loans operative as on 15th May, 2020.
• The applicant must fulfill the eligibility criteria put forth by the empanelled bank for being eligible for housing loan under this scheme.
• The applicant who had shifted his housing loan to other bank upon closure of earlier scheme must ensure that the loan account shall now be operated in any of the banks empanelled for the purpose of this scheme.
• The applicant must approach any of the empanelled banks for takeover of the existing loan for a maximum loan amount restricted to the tune of amount outstanding as on date after repayment of instalments from May 2020.
• The applicant who had availed top-up additional loan over and above the House Building Advance amount sanctioned by Government is eligible only to the extent of such amount of House Building Advance loan which is outstanding as on the date of application.
• The applicant who is among the 45 employees whose cases were sanctioned but were awaiting drawal of advance as on 15th May, 2020 is eligible to apply under this scheme.

🎁 Benefits

• The Government bears the remainder of the interest charged by the empanelled bank, subject to a maximum of 5%, while the employee bears 2% of the interest plus the principal component.
• The loan takeover facility is provided for the amount outstanding as on the date of application after repayment of instalments from May 2020.
• For employees who had availed additional loan over and above the House Building Advance amount, the Government's share of interest is restricted only to the extent of such House Building Advance loan outstanding as on the date of application.
• The Government's share of interest is credited to the empanelled bank in a pool account on a monthly basis.
• The Government's cumulative share of all instalments due for the succeeding month is credited to the bank within a specified date, provided that the bank raises the demand at least 20 days in advance.
• The Government's share commences from the succeeding month of sanction wherein the employee is due for repayment of the loan, provided the demand has been raised by the bank.
• The Government's share is continued till the employee attains superannuation or for a maximum duration of 20 years of the total repayment period, whichever is earlier, by considering the already paid instalments by the Government.
• If the duration of the loan ends before superannuation of the employee, the bank submits the closure letter to the concerned Government employee, Head of Department and Directorate of Accounts.
• The employee must ensure that his share of Equated Monthly Instalment reaches the bank within the stipulated time.
• Any delay on part of the employee for contributing his share, subject to a maximum default duration of two months, will make the concerned employee ineligible to avail any further benefits under this scheme.
• The employee must carry out all the required documentation and valuation required for compliance from the bank side, and the Government will not bear any costs for the same.
• The deed of mortgage or any other collateral security executed in favour of Government earlier must be transferred in favour of the empanelled bank with an undertaking from the employee that he willingly desires to transfer the same in favour of the bank.
• For employees who have availed benefits under the "One Time House Building Advance Settlement Scheme", the amount to the extent of benefits availed under that scheme would be adjusted in the initial instalments itself, till which the Government will not start contributing its share of interest and the employee has to bear the full burden of instalments.
• If the employee ceases to be in service for any reason other than normal retirement or superannuation or if he dies before repayment of the loan in full, the entire outstanding amount will become payable forthwith by the Government employee or his successor, as the case may be.
• Failure to repay the housing loan for any reason whatsoever, either by the Government employee or the successor, as the case may be, will entitle the bank to enforce the mortgage and take action to recover the outstanding housing loan.

📋 How to Apply

1. Step 1: The interested applicant should take a printout of the prescribed proforma . Alternatively, the interested applicant may approach an empanelled bank and obtain the prescribed proforma.
2. Step 2: In the application form, fill in all the mandatory fields, and attach copies of all the mandatory documents (self-attest, if required).
3. Step 3: Submit the duly filled and signed application form along with the documents, within the prescribed period (if any), to the Head of Department, who after verification, will forward the application to the Directorate of Accounts along with the prescribed proforma.

👤 Eligibility

• The Scheme covered units that went into production on or after 6th August 2008.
• Only those units under green and specified orange categories were eligible under this Scheme.
• Only those units which were permanently registered with the Directorate of Industries, Trade and Commerce or cleared by the High Powered Co-ordination Committee (HPCC) or any Committee or authority formed to grant such clearance for investment in the State were eligible under this Scheme.
• This Scheme was applicable only to Micro and Small Enterprises and Medium Scale Enterprises as defined under the MSMED Act.
• The unit consuming a minimum of 50% of its raw material (in value) from local sources was eligible for the benefit on pro-rata terms with those consuming 60% and above, which were considered for 100% benefit under this Scheme.
• For the purpose of this Scheme, the local raw material meant:
• (a) Material, which was manufactured in an approved industrial unit (Micro and Small Enterprises, Medium, Large Unit) in the State of Goa.
• (b) Material, which was mined or produced in the State of Goa (for example, agricultural produce, marine produce, mineral and ore, etc.).
• The beneficiary had to prove, by submitting documentary evidence, that the material had been locally produced or mined. In case of any dispute in interpreting the meaning of clauses (a) and (b) above, the decision/interpretation of the Director, Directorate of Industries, Trade and Commerce was final and binding.

🎁 Benefits

• Reimbursement to the extent of a maximum of 90% of Sales Tax paid by such unit, subject to the quantum based on the proportion of local raw material consumed.
• Incentives in the form of a subsidy on power and water bills annually.
• 25% subsidy on the total expenditure incurred by the unit on power and water tariffs, subject to a maximum of ₹2,00,000/- per annum, as per the proportion of local raw material consumed.

📋 How to Apply

1. Step 1: The interested applicant had to obtain the specified proforma from the Directorate of Industries, Trade and Commerce. Alternatively, the prescribed format could also be downloaded from the official website of the Directorate.
2. Step 2: The applicant was required to take a print of the form, fill in all the mandatory fields, paste a passport-sized photograph, and attach copies of all the mandatory documents (self-attested, if required).
3. Step 3: The duly filled and signed application form, along with the documents, had to be submitted to the Director, Directorate of Industries, Trade and Commerce. The Director of Industries, Trade and Commerce would scrutinize the application and verify the eligibility of the unit.
4. Deadline: The applications for the financial year had to be submitted by 30th September . No claim was entertained after this date.
5. Post-Application Processes
6. Step 1: The Directorate of Industries, Trade and Commerce displayed the list of claimants under the Scheme on the notice board on the first working day after 30th September. A copy of this list was forwarded to the Government immediately.
7. Step 2: Upon receipt of the application, the Director of Industries, Trade and Commerce scrutinized and disposed of the application within three months. A Task Force Committee scrutinized and recommended the benefits. No dues were confirmed by the Directorate of Industries, Trade and Commerce with concerned departments under the deemed provision basis within 60 days before disbursement.
8. Step 3: Once approved, the eligible unit received the benefits as per the Scheme, including reimbursement of Sales Tax and subsidies on power and water bills.