Mo Ghara Scheme is a state level government scheme started by the government of Odisha. Under this scheme, the government provides housing loans ranging from 1Lakh to 3 lakh to the lower and middle class family of the state. Along with this, subsidy is also given on the basis of the loan amount.
Those families of Odisha will get the benefit of Mo Ghara Scheme, who have kotcha houses or one room pucca houses, the monthly income of the family is less than Rs 25 thousand, no member of the family is in a government job and does not receive monthly pension and the applicant has 5 acres of irrigated land or less than 15 acres of irrigated land in his name.
Under this article, all the information related to Mo Ghara Yojana Odisha 2024 has been provided in detail. To get all the information related to this scheme, read our article till the end.
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Mo Ghara Yojana Odisha List 2024
Through this scheme launched by the Odisha Government, those who do not have a pucca houses and who earn less than Rs 25 thousand per month are eligible to apply online for Odisha Mo Ghara Scheme 2024. Each beneficiary will get a loan of Rs. 3 lakh, which has to be returned in 10 years and can be used to build a house. To get authorized for the Odisha Mo Ghara Yojana beneficiary list, you have to provide all the copies of the documents required for the Odisha Mo Ghara Scheme form 2024.
NREGA Job Card List 2023-24 Odisha | नरेगा जॉब कार्ड लिस्ट ओडिशा
Key Highlights Mo Ghara Yojana Odisha
| Scheme Name | Mo Ghara Yojana Odisha |
| Launched by | Odisha Government |
| State | Odisha |
| Beneficiaries | People of Odisha |
| Year | 2024 |
| Mode | Online |
| Official Website | moghara.odisha.gov.in |
NREGA Job Card List 2023-24 Odisha | नरेगा जॉब कार्ड लिस्ट ओडिशा
Objectives of Mo Ghara Scheme
The main objective of Mo Ghara Yojana Odisha launched by the government of Odisha is of provide Odisha residents with the opportunity to buy their own home The state government has pledged pucca House for all. Since 2014-15 the state has distributed about 3 million houses through various program. To provide adequate financial assistance to rural families to build pucca houses of advocate of adequate size.
Under the Mo Ghara Scheme, the beneficiary will get a home loan of up to Rs. 3lakh with a one year break and 10 year repayment terms. Beneficiaries may also be eligible for assistance through various programs that provide rural electricity, drinking water, sanitation and other facilities. Through this scheme, all economically weaker citizens will be able to get their own house which will improve their standard of living.
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Benefits and Features of Mo Ghara Yojana Odisha 2024
- Mo Ghara Yojana has been launched by the Odisha Government.
- Through this scheme, financial assistance will be provided to the poor and economically weaker citizens of the state for the house.
- For the benefit of low income families of the state, the Odisha Government has launched Mo Ghara Scheme Odisha. Beneficiaries of this initiative are eligible to borrow up to Rs 3 lakh, which they can repay over a period of 10 years.
- Beneficiaries can reduce their dependents on expensive rent by buying their own house.
- If you live in the state of Odisha and are looking for an affordable housing program then you can apply for this scheme.
- Beneficiaries have several options, including no pre payment charge or increased EMIs.
- This program is special for the lower middle class families of the state of Odisha. This program is available to families whole live in a pucca House or Kutcha house.
- The registration period of the scheme will start from 15 June 2023 if the monthly income of the family is between Rs 25, 000 and 70,000 then they can apply for this initiative.
- The avail the benefits of this scheme, you can easily apply online form the comfort your home.
NREGA Job Card List 2022-23 Odisha | nrega.nic.in 2022-23 Odisha List
Eligibility Criteria for Mo Ghara Yojana Odisha
- Only the native residents of Odisha can apply to a while the benefits of Mo Ghara Scheme.
- The benefits of this scheme will be available to those families who live in kuccha house or a 1 room puccha house ved RCC roof.
- The family which has not previously availed the benefit of government housing assistant or has received housing assistance of less than Rs 70,000 can avail the benefits of this scheme.
- To avail the benefits of this scheme, the monthly income of the family should be less than Rs 25,000.
- If your family has a four wheeler, then you will not be given the benefits of Mo Ghara Scheme.
- For this scheme, no one in the family should be in a government job for receive a monthly pension.
- The family should have 5 acres of irrigated land or less than 15 acres of non irrigated land.
Financial Assistance
- People participating in the program are eligible for a housing loan of up to Rs 3 lakh, which can be repaired in 10 years in convenient installments except for a Grace period of 1 year.
- According to the cabinet notification, the loan amount slabs are as follows: Rs 1.5 lakh, 2 lakh and 3 lakh.
- Individuals who have previously received housing assistance of Rs 70,000 or less, as well as people whose monthly income is less than Rs 25,000 may be eligible for alone under the Mo Ghara program.
Subsidy Calculation
- If a bank charges 90% interest rate on home loan, the EMI will be as follows: effective principal after 1 year at 9% interest.
- MI 8 9% interest for 10 years (in Rs).
- Effective principal after 1 year @ 9% interest.
- The actual EMI varies according to the bank and interest rate.
Mo Ghara Yojana Odisha Loan Amount
| Loan Amount | Subsidy Provided |
| 1 lakh | 30, 000 Rupees |
| 1.5 lakh | 45, 000 Rupees |
| 2 lakh | 60, 000 Rupees |
| 3 lakh | 60, 000 Rupees |
Documents Required
- Applicant’s Aadhar card.
- KYC documentation (MANREGA job card, Pan card or voter ID card)
- RoR under the applicants name.
- Salary slip from the employer or an income certificate from the tehsildar.
- PWD certificate the candidate is both PWD and the family’s head.
- Caste certificate, if it is SC or ST related.
Mo Ghara Yojana Odisha Online Apply
- To apply under Mo Ghara Yojana, first of all you have to visit it’s official website.
- After visiting the website a homepage will open in front of you.
- On this home page, you have to click on the registration option.
- After clicking on the registration option, a new page will open on the screen in front of you.
- After clicking on the link and application form will open on the screen.
- In the application form, you have to fill the form with all the required details like your name, email ID, mobile number, address etc.
- After this upload all the required documents and please upload the documents carefully so that there is no error.
- After successful registration, login with the details, enter the details in the application form.
- Now you will see the submit button, click on it, in this way you can easily apply online under Mo Ghara Scheme.
Login process for Mo Ghara Yojana Odisha
- The candidate must first visit the official website of Odisha Mo Ghara Scheme.
- Then on the homepage, click on the login option.
- After this a login page with login information will appear.
- Enter your login credentials, which includes your username, password and captcha code.
- Now you have to click on the login button.
- You will be able to access the gateway at this point.
Contact Number
Toll Free – 0647-6817777
FAQ’s
What is Mo Ghara Scheme?
Mo Ghara Scheme is a housing scheme launched by the Odisha state government. This scheme is especially designed for pupil who want to upgrade their homes or buy a new home.
How can I check my Mo Ghara status?
Applicants can apply by entering their Aadhaar number in the box under application status.
Can I apply online under Mo Ghara Yojana?
Yes, I can apply under Mo Ghara Yojana.