Mo Ghara Yojana Odisha 2024
The Mo Ghara Yojana Odisha 2024 is a significant initiative launched by the Odisha government to address the housing needs of the economically weaker sections of society. This scheme is a part of the government’s broader objective of “Pucca House for All,” aiming to provide affordable and dignified housing for all residents of Odisha. This article will delve into the various aspects of the Mo Ghara Yojana, including its benefits, Mo Ghara Yojana eligibility criteria, Mo Ghara Yojana required documents, and the application process, ensuring that you have a Complete Guide of the scheme.
Benefits of Mo Ghara Yojana Odisha
The Benefits of Mo Ghara Yojana Odisha are designed to ensure that economically disadvantaged families can secure permanent housing. Some of the key benefits include:
- Affordable Housing Loans: Beneficiaries can avail of housing loans up to Rs. 3 lakhs, with flexible repayment options spread over 10 years.
- Subsidy Support: The government provides substantial subsidies on the loan amount, reducing the financial burden on the beneficiaries. For instance, a loan of Rs. 1 lakh comes with a subsidy of Rs. 30,000, while a loan of Rs. 3 lakhs offers a subsidy of Rs. 60,000.
- No Down Payment: One of the most attractive features of the scheme is that there is no requirement for a down payment, making it accessible to a larger section of the population.
- Additional Financial Assistance: Beneficiaries may also receive additional financial support for constructing toilets under the Swachh Bharat Mission and for other amenities like rural electricity, drinking water, and sanitation.
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Mo Ghara Yojana Odisha
Eligibility Criteria for Mo Ghara Yojana Odisha 2024
Understanding the Eligibility Criteria is crucial for those interested in applying for the Mo Ghara Yojana Odisha 2024. The scheme is targeted at specific segments of the population to ensure that the benefits reach those in genuine need.
Eligibility Criteria | Details |
Income Limit | Household income should not exceed Rs. 25,000 per month. |
Housing Status | Should not own a pucca house with more than two rooms covered by an RCC roof. Previous recipients of up to Rs. 70,000 in housing assistance are eligible. |
Vehicle Ownership | Families owning a non-commercial four-wheeled vehicle are excluded. |
Land Ownership | Households owning less than five acres of irrigated land or fifteen acres of unirrigated land are eligible. |
mo ghara yojana odisha documents required
Applicants need to ensure they have all the Required Documents in order before applying for the Mo Ghara Yojana Odisha 2024. The necessary documents include:
Required Document | Purpose |
Aadhaar Card | Identity verification. |
Income Certificate | To prove that the applicant’s income is within the eligible limit, usually issued by the Tahsildar. |
KYC Documents | Such as a MGNREGA job card, PAN card, or voter ID card for identity and address proof. |
Caste Certificate | For SC/ST applicants to avail of additional benefits. |
RoR (Record of Rights) | To prove ownership or tenancy of land. |
PwD Certificate | If the applicant is a person with disabilities and is the head of the family. |
These documents are crucial for verifying eligibility and ensuring that the benefits are provided to the right individuals.
Mo Ghara Yojana Odisha Loan Amount and Subsidy
Mo Ghara Yojana Loan Amount
The Mo Ghara Yojana Odisha Loan Amount is designed to offer flexibility based on the financial needs and repayment capacities of the beneficiaries. The scheme provides loans in slabs of Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakhs, and Rs. 3 lakhs. The subsidy provided by the government helps to reduce the effective loan burden on the beneficiaries.
Loan Amount | Subsidy Provided |
1 lakh | 30,000 Rupees |
1.5 lakhs | 45,000 Rupees |
2 lakhs | 60,000 Rupees |
3 lakhs | 60,000 Rupees |
For instance, if the bank charges a 9% interest rate on the loan, the effective EMI (Equated Monthly Installment) will vary depending on the principal amount after one year. The EMI is calculated considering the subsidy, making the repayment manageable for the beneficiaries.
Mo Ghara Yojana Odisha Online Apply Process
The process to Mo Ghara Yojana Odisha Online Apply is straightforward, designed to make the application accessible to all eligible residents. Here’s a step-by-step guide:
- Visit the Official Website: Go to the official Mo Ghara Yojana Odisha portal by searching online.
- Registration: On the homepage, click on the ‘Registration’ option. Fill in the form with the required details such as name, email ID, mobile number, and address.
- Document Upload: Carefully upload the necessary documents, ensuring that there are no errors.
- Submit Application: After completing the registration and uploading the documents, click on the ‘Submit’ button to finalize the application process.
- Login for Further Actions: Once registered, you can log in with the provided credentials to track your application status or make any necessary updates.
The online application process is designed to be user-friendly, ensuring that even those with limited digital literacy can apply with ease.
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Implementation Process of Mo Ghara Yojana Odisha
The Implementation Process of the Mo Ghara Yojana is meticulously planned to ensure that the scheme runs smoothly and benefits the intended recipients. The government has established a dedicated website for the submission and processing of applications. The key steps in the implementation process include:
Implementation Step | Details |
Geotagging | Block workers will use the “Ama Ghara” mobile app to geotag the applicant’s current residence and the proposed construction site. |
Plan and Estimate Preparation | The concerned Junior Engineer (J.E.) will prepare the construction plan and estimate as per the guidelines, in consultation with the applicant. |
Approval and Loan Processing | The Block Development Officer (BDO) or Assistant Executive Engineer (AEE) will review and approve the plan before forwarding it to the bank. |
Monitoring and Support | Applicants can monitor their application status through the portal, and block officials will assist with any necessary follow-up actions. |
This structured approach ensures that the scheme is implemented effectively, with minimal delays and maximum transparency
Mo Ghara Yojana Odisha Login Process
For those who have applied, the Mo Ghara Yojana Odisha Login Process allows applicants to track their application status and access other relevant information. The steps for logging in are as follows:
ww.rhodisha.gov.in login
- Visit the Official Website: Access the Mo Ghara Yojana Odisha portal.
- Login Option: Click on the ‘Login’ option available on the homepage.
- Enter Credentials: Provide your username, password, and captcha code.
- Access Dashboard: Upon successful login, you can access your dashboard, where you can view the status of your application, update details, or download relevant documents.
The login process is simple and essential for managing your application effectively.
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