Mo Ghara Yojana Odisha 2024: Online Apply @ moghara.odisha.gov.in, Eligibility Check

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The Odisha government has introduced the Mo Ghara Yojana to support the state's economically disadvantaged communities. Through this scheme, beneficiaries can access loans of up to Rs. 3 lakh, which they can repay over a period of 10 years. This initiative helps people secure their own homes and avoid the financial burden of high rental costs. If you're residing in Odisha and looking for an affordable housing option, you can apply for this program. The scheme offers flexible repayment plans, including no initial down payment and the option for higher EMIs. However, the program is only available to households with low incomes. Keep reading to learn more about the Mo Ghara Yojana in Odisha.

About Mo Ghara Yojana Odisha 2024

The Odisha Mo Ghara Yojana 2024 is designed for individuals who do not own a permanent home and have a monthly income of less than Rs. 25,000. Eligible applicants can apply online for the scheme. Each beneficiary will be provided with a loan of Rs. 3 lakh, which is to be repaid within a period of 10 years, and can be used to construct a new house. To be included in the Odisha Mo Ghara Yojana Beneficiary List, applicants must submit all required documents as specified in the Odisha Mo Ghara Scheme Form 2024.

Biju Yuva Sashaktikaran Yojana

Odisha Mo Ghara Scheme Details in Highlights

Objectives of Mo Ghara Yojana Odisha 2024

The primary objective of the Mo Ghara Yojana Odisha 2024 is to offer residents of Odisha the chance to own their own homes. The Odisha state government is committed to the vision of "Puca House for All." Since the 2014-15 period, the state has successfully delivered nearly 3 million homes through various initiatives. The scheme aims to provide financial support to rural households, enabling them to construct well-sized pucca houses. Beneficiaries of the scheme will be provided with a house loan of up to Rs. 3 lakhs, with a one-year grace period and a repayment period of ten years. Additionally, beneficiaries may also receive assistance from other programs that offer rural electricity, drinking water, sanitation, and other essential services.

Odisha CM Kisan Yojana List

Benefits of Mo Ghara Yojana Odisha

The benefits of Mo Ghara Yojana Odisha are as follows:

• Financial Assistance for New Homes: Applicants will receive Rs. 1.2 lakh to construct a new pucca house.
• Support for Old Houses: Rs. 30,000 will be provided to rehabilitate an existing kutcha house.
• Credit-Linked Subsidy: Beneficiaries can access a credit-linked subsidy of up to Rs. 2.67 lakh from banks or other financial institutions at a low interest rate.
• Toilet Construction: An additional Rs. 12,000 will be provided for building a toilet under the Swachh Bharat Mission (Gramin).
• Customization Options: Beneficiaries have the flexibility to choose the style, design, and materials for their house, according to their preferences and the local context.

Financial Assistance provided

The financial assistance under the Mo Ghara Yojana Odisha is outlined as follows:

• Home Loan Amount: Program participants can receive a home loan of up to Rs. 3 lakh. The loan is repayable over a period of ten years, with a one-year grace period for repayments in manageable installments.
• Loan Slabs: The loan amount is provided in the following slabs as per the Cabinet notification:

1. Rs. 1 lakh
2. Rs. 1.5 lakh
3. Rs. 2 lakh
4. Rs. 3 lakh

• Eligibility for Loan: Individuals who have previously received housing assistance of Rs. 70,000 or less and those with a monthly income of less than Rs. 25,000 may be eligible for a loan under the Mo Ghara Yojana.

Documents Required to Apply

The following documents are required for applying to the Mo Ghara Yojana Odisha:

• Aadhaar Card: The applicant's Aadhaar card as proof of identity.
• RoR (Record of Rights): A copy of the RoR under the applicant's name.
• KYC Documents: KYC documentation such as MGNREGA job card, PAN card, or voter ID card.
• Income Proof: A salary slip from the employer or an income certificate issued by the Tahsildar.
• Caste Certificate: If applicable, a caste certificate for SC or ST applicants.
• PwD Certification: If the applicant is a person with disabilities (PwD) and the head of the family, PwD certification is required.

Eligibility Criteria for Mo Ghara Yojana Odisha

Before applying for the Mo Ghara Yojana Odisha, ensure you meet the following eligibility requirements:

• Residency: The applicant must be a resident of Odisha state.
• Existing House: Individuals should not own a pucca house with two or more rooms covered by an RCC (Reinforced Cement Concrete) roof.
• Previous Housing Assistance: Households that have previously received housing assistance of at least Rs. 70,000 through any rural housing program.
• Income Requirement: The household must have a monthly income of at least Rs. 25,000.
• Vehicle Ownership: Owning a non-commercial four-wheeled motor vehicle.
• Employment Status: A household in which any member is employed regularly by the government or public sector organizations or receives a monthly pension.
• Land Ownership: Possession of at least five acres of irrigated land or fifteen acres of unirrigated land.

Application Process of Mo Ghara Yojana Odisha 2024

To apply for the Mo Ghara Yojana Odisha, follow the steps below:

• Visit the Official Website: Go to the official website of Mo Ghara Yojana Odisha: Mo Ghara Yojana.

• Registration: On the home screen, locate and click on the "Registration" option.
• Enter Details: A new page will open. Enter all the required details carefully.
• Upload Documents: Upload the necessary documents as per the guidelines.
• Submit the Application: After filling out the form and uploading the documents, click on the "Submit" option.
• Save the Application: Save the application form in PDF format for future reference.

Mo Ghara Yojana Odisha Login Process 

Follow these steps to log in to the Mo Ghara Yojana Odisha portal:

• Visit the Official Website: Go to the official website of Mo Ghara Yojana Odisha: Mo Ghara Yojana.
• Click on 'Login': On the homepage, locate and click on the "Login" option.
• Enter Login Credentials: A login page will appear. Enter your login credentials, including your username, password, and the captcha code.
• Click 'Login': After entering the required details, click the "Login" button.
• Access the Portal: You will now have access to the portal to proceed with your application or check your status.

Mo Ghara Yojana Odisha Loan Amount

Subsidy Calculation

• If a bank charges a 9% interest rate on a housing loan, the EMI is as follows: • Effective principal after 1 year at 9% interest.
• EMI at 9% interest for 10 years (in Rs.)
• The true EMI varies by bank and interest rate.

​Implementation Process

• A dedicated website will be set up to facilitate the submission of applications.
• Interested households can apply for credit linkage online at https://rhodisha.gov.in/moghara by completing the form in Annexure-A.
• Applicants can also visit Mo-Seva Kendra to submit their applications and monitor the status of their loan requests.
• Upon receiving the application, the relevant Block Development Officer (BDO) will verify the applicant's eligibility using the checklist in Annexure-B and upload the results to the designated website.
• Block workers will utilize the "Ama Ghara" mobile app to geotag the proposed construction site and the applicant’s current residence.
• The Block will provide assistance to the applicant in estimating the cost and preparing the plan.
• The concerned Junior Engineer (J.E.) at the relevant Gram Panchayat (GP) will collaborate with the applicant to prepare the plan and cost estimate, following the guidelines provided in Annexure-C.
• Applicants may also seek assistance from any other qualified professional in preparing their estimates and plans.
• The BDO/AEE will serve as the approving authority for the plan and cost estimate under this Scheme.
• Before submitting the bank application, the authorized plan and estimate will be uploaded to the web portal by the Block.

Summary of Mo Ghara Yojana Odisha 2025

The Mo Ghara Yojana Odisha provides financial assistance to economically disadvantaged households in Odisha, offering loans up to Rs. 3 lakh for constructing homes. The scheme targets individuals with a monthly income below Rs. 25,000 and no existing pucca house. Beneficiaries can access credit-linked subsidies and additional support for sanitation and home construction. Applications can be submitted online through the official website.