Good New: Mo Ghara Yojana Odisha 2024 | Online Apply at moghara

The Odisha government has launched the Mo Ghara Yojana to help the state’s economically weaker sections. Through this scheme, people can borrow up to Rs. 3 lakhs with a repayment period of 10 years. This allows them to buy a home without worrying about paying high rent.

If you’re in Odisha and looking for an affordable housing option, you can apply for this scheme. The program offers flexible choices, such as no down payment and the option to choose higher EMIs if that suits your budget. However, only households from lower-income groups are eligible to benefit from this program.

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The main goal of the Mo Ghara Yojana in Odisha is to help people in the state buy their own homes. The Odisha government is committed to the vision of “Pukka House for All,” aiming to provide solid, permanent housing for its citizens. Since 2014–15, the state has already facilitated the construction of over 3 million houses through various programs.

Under this scheme, the government aims to provide enough financial support to help rural families build decent pucca (permanent) houses. Beneficiaries can get a housing loan of up to Rs. 3 lakhs with a one-year grace period before repayments begin, and they have 10 years to repay the loan.

In addition to the housing loan, beneficiaries may also qualify for support through other schemes that provide essential services like rural electricity, drinking water, and sanitation. This comprehensive approach ensures that rural households have access to not just a house, but a home with all necessary amenities.

To qualify for the Mo Ghara Yojana Odisha, applicants must meet the following criteria:

1. Housing Condition:
   • Individuals already living in a pucca (permanent) house with two or more rooms covered by an RCC (Reinforced Cement Concrete) roof are eligible.
2. Previous Housing Assistance:
   • Households that have previously received housing assistance of at least Rs. 70,000 under any rural housing scheme are eligible.
3. Income Level:
   • Families with a monthly income of at least Rs. 25,000 qualify for the scheme.
4. Vehicle Ownership:
   • Households that own a non-commercial four-wheeled motor vehicle are eligible.
5. Employment Status:
   • Any household where a member works regularly for the government or a Public Sector Undertaking (PSU) or receives a monthly pension from these entities is eligible.
6. Land Ownership:
   • Possession of either five acres or more of irrigated land or fifteen acres or more of unirrigated land qualifies a household for the scheme.

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Participants in the Mo Ghara Yojana can receive a housing loan of up to Rs. 3 lakhs. This loan comes with a flexible repayment period of 10 years, including a one-year grace period where repayments do not begin, allowing beneficiaries to manage their finances more conveniently.

The loan amounts are available in the following slabs as per the Cabinet notification:

• Rs. 1 lakh
• Rs. 1.5 lakhs
• Rs. 2 lakhs
• Rs. 3 lakhs

Eligibility for this financial assistance is extended to individuals who:

• Have previously received housing aid amounting to Rs. 70,000 or less.
• Have a monthly income of under Rs. 25,000.

These criteria ensure that the program reaches those who need it most, providing them with the necessary financial support to secure a home.

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• Aadhaar Card.
• KYC Documentation: This can be any of the following:
  • MGNREGA Job Card
  • PAN Card
  • Voter ID Card
• RoR (Record of Rights) under the applicant’s name.
• Salary Slip from the employer or an Income Certificate from the Tahsildar.
• Caste Certificate: Required if the applicant belongs to the SC or ST category.
• PwD Certification: Necessary if the applicant is a Person with Disabilities (PwD) and is the head of the family.

If the housing loan interest rate charged by a bank is 9%, the EMI (Equated Monthly Installment) calculations would be as follows:

Effective Principal After 1 Year at 9% Interest

EMI Calculation at 9% Rate of Interest for 10 Years

Note: The actual EMI amount may vary between banks depending on their specific interest rates and terms.

1. Application Website:

• A dedicated website will be set up to manage applications.
• Interested households can apply online at Mo Ghara Yojana Portal by completing the form in Annexure-A.

1. Application Submission:

• Applicants may use the Mo-Seva Kendra services to submit their application and track the progress of their loan request.

1. Eligibility Check:

• Upon receiving the application, the Block Development Officer (BDO) will verify the applicant’s eligibility using the checklist in Annexure-B and upload the results to the website.

1. Site Verification:

• Block workers will use the “Ama Ghara” mobile app to geotag the planned construction site and the current residence of the applicant.

1. Estimate and Plan Preparation:

• The Block will assist the applicant in preparing an estimate and construction plan.
• The Junior Engineer (J.E.) of the concerned Gram Panchayat (GP) will prepare the plan and estimate according to the standards specified in Annexure-C.
• Applicants can also hire a qualified individual to help with the estimate and plan.

1. Approval Process:

• The BDO or Assistant Executive Engineer (AEE) will approve the plan and estimate.
• Once approved, the Block will upload the plan and estimate to the online portal before supporting the bank application.

Step 1: Visit the official Mo Ghara Yojana Odisha website by searching for it online.

Odisha Mo Ghara Portal

Step 2: On the homepage, click the Registration option.

Step 3: A new page will open with an application form. Click the link to access the form.

Step 4: Fill out the application form with required details such as your Name, Email ID, Mobile Number, Address, etc.

Step 5: Upload all necessary documents carefully to avoid any errors.

Step 6: After registering, log in using your details and complete the application form.

Step 7: Click the Submit button to finish the application process. Your form will then be submitted.

For assistance with the Mo Ghara Yojana, you can reach out through the following:

• Website: Mo Ghara Yojana Portal
• Mo-Seva Kendra: For application submission and tracking.
• Local Block Office: For eligibility checks, site verification, and plan approval.

Please visit the official portal or contact your nearest Mo-Seva Kendra for detailed guidance and support.

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Alveera Mohan

I’m Alveera Mohan , focused on delivering thorough and precise information about various Indian government schemes and programs. I’m a passionate and experienced writer dedicated to producing high-quality content that engages and informs. With over 3 years of experience in writing for online news platforms and websites, I’ve contributed to various online news platforms and written on topics like India Social programs, and news website like as schema.

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