The Mo Ghara Yojana has been introduced by the Odisha government to assist the state’s economically disadvantaged populations. Under this scheme, recipients are eligible to borrow up to Rs. 3 lakhs, with a 10-year payback period. This scheme gives the ability to purchase a home and the freedom from paying high rent to the beneficiaries. If you’re looking for a cheap housing program and you live in the state of Odisha, you can apply for this Yojana. The beneficiaries have a range of options, including no down payment required and higher EMIs. Only households from lower socioeconomic categories are eligible for this program. Keep reading for more information.
Objective of Mo Ghara Yojana Odisha
The primary objective of the Mo Ghara Yojana Odisha is to give the people of Odish a chance to buy their own houses. The State Government has committed to “Puca House for All.” Since 2014–15, the State has so far provided more than 3 million houses through a variety of programs. To offer sufficient financial assistance to allow rural households to build reasonably sized pucca houses. The beneficiary will receive a housing loan up to Rs. 3 lakhs, with a pause of one year and repayment terms of ten years. The beneficiaries may also be eligible for assistance under various programs for rural electricity, drinking water, sanitation, and other services.
Also Read: Awaassoft.nic.in List
Helpful Summary of Mo Ghara Yojana Odisha
| Scheme name | Mo Ghara pension Yojana Odisha |
| Launched by | The state government of Odisha |
| State | Odisha |
| Beneficiaries | Residents of Odisha who need a home or upgrade |
| Application mode | Both offline and online |
| Official website | Mo Ghara Odisha Portal |
Eligibility Criteria
- Individuals lodging in a pucca house with two or more rooms covered by an RCC roof.
- households who previously benefited from housing assistance of at least Rs. 70,000 through one of the rural housing schemes.
- if the family makes at least Rs. 25,000 per month. owning an uncommercial four-wheeled vehicle with a motor.
- household where any member works regularly for the government or PSU or receives a monthly pension from them for their service.
- possession of either five acres or more of land that is irrigated or fifteen acres or more of unirrigated land.
Financial Assistance
- Program participants are eligible for up to a Rs. 3 lakh housing loan, which can be repaid over ten years except for a one-year grace period in convenient installments.
- As per the Cabinet notification, the loan amount slabs are as follows: Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakhs, and Rs. 3 lakhs.
- Individuals who have previously received housing aid totaling 70,000 rupees or less, as well as those with monthly incomes under 25,000 rupees, may qualify for a loan under the Mo Ghara program.
Also Read: Magic Card Apply
Required Documents
- The Aadhaar card.
- KYC documentation (MGNREGA job card, PAN card, or voter card).
- RoR under the applicant’s name.
- A salary slips from the employer or an income certificate from the Tahsildar.
- Caste certificate, if it is SC or ST-related.
- PwD certification if the candidate is both PwD and the family’s head.
Also Check: Biju Swasthya Kalyan Yojana
Mo Ghara Yojana Odisha Loan Amount
| Loan Amount | Subsidy Provided |
| 1 lakh | 30,000 Rupees |
| 1.5 lakh | 45,000 Rupees |
| 2 lakhs | 60,000 Rupees |
| 3 lakhs | 60,000 Rupees |
Subsidy Calculation
- If the housing loan interest rate charged by a bank is 9%, the EMI will be as follows;
- Effective Principal after 1 year @ 9% Interest
- EMI @ 9% rate of interest for 10 years (in Rs.)
- The actual EMI will vary from bank to bank depending upon their interest rates.
Implementation Process
- A specific website will be established to facilitate the receipt of applications.
- Interested households can apply online at https://rhodisha.gov.in/moghara to obtain credit linkage by completing the form found in Annexure-A.
- The applicant may use Mo-Seva Kendra’s services to file an application and monitor the progress of a loan application.
- After receiving the application, the relevant BDO will check the applicant’s eligibility using the checklist in Annexure-B and upload the results to the special website.
- Block workers will use the “Ama Ghara” mobile app to geotag the planned construction site and the current residence.
- Block will help the applicant with the estimate and plan preparation.
- The responsible J.E. of the concerned GP will, in consultation with the applicant, prepare the plan and estimate by the standard specified in Annexure-C.
- The applicant is free to enlist the assistance of any other qualified individual in creating her or his estimate and plan.
- Under this Scheme, the BDO/AEE is designated as the approving authority for the plan and estimate.
- Before supporting the bank application, Block will upload the approved plan and estimate to the online portal.
Mo GharaGhara Yojana Online Apply Online 2024
Step 1: First, go to the official Mo Ghara website of the Mo Ghara Yojana Odisha by searching it online and after that do the next steps mentioned.
Step 2: The homepage of the website will open on the screen. Then click on the Registration option.
Step 3: A New page will open on the screen. Once you click on the link, an application form will open on the screen
Step 4: Now, fill in the form with all the required details like Name, Email ID, Mobile Number, Address, etc.
Step 5: After that upload all the required documents and please upload the documents carefully so there are no errors.
Step 6: After successful registration, log in with the details. Enter details in the application form.
Step 7: Finally, click on the Submit button to complete the application process and hence your application form will be submitted.
Login for Odisha Mo Ghara
- You must visit the official site of Mo Ghara Yojana to do login
- The portal’s home page will then appear in front of you.
- Clicl on the Login option and select which type of login you want to do
- After that fill in the required information and enter the captcha code and then click on Login.
Contact details
- Toll Free: 0674-6817777
FAQS
What is Mo Ghara yojana?
Mo Ghara Yojana is a housing scheme launched by the state government of Odisha. This scheme has been solely made for the people who want to upgrade their homes or want to buy a new one.
What are the benefits of this scheme?
This scheme will provide up to 3 lakhs of loan amount to a beneficiary. And they can pay it back for a time of 10 years. Also, they can avail themselves of a loan without any down payment.
Who is eligible for this scheme?
The candidate must live in Odisha permanently. The candidate must not own a pucca house in Odisha and must reside in a kuccha house. Applicants must fall under the EWS classification.