There are many families in Odisha who are staying in kutcha houses due to poor financial condition or some are those who take advantage from other odisha housing schemes but now want to improve their house. All these people are eligible for a new housing scheme of Odisha called Mo Ghara Yojana Odisha 2024. This yojana was launched by the CM of Odisha Mr. Naveen Patnaik on 29th May 2023. The registration for the yojana will be started from 15th of June 2023. Through this yojana beneficiaries can avail loan up to Rs. 3 lakh, which should be paid in the duration of 10 years. According to the CM this housing scheme is funded by the State Budget. The citizens whose monthly income is less than Rs. 25,000 and living in a kutcha house will be eligible for the yojana. All the citizens of the state who want to avail the benefit of this yojana must enrol themselves by following given steps.
About Mo Ghara Yojana Odisha 2024
The word Mo Ghara refers to My House. The yojana was established to offer houses to families who did not get benefits through any other housing scheme and remained unbenefitted. Citizens will get financial loans to build or renovate their houses. Beneficiaries can take loans of up to Rs. 3 lakh and can pay the loan through one of the four loan slabs of the loan amount: 1 lakh, 1.5 lakh, 2 lakh, and 3 lahks. After the completion of the house, the State Government will release the capital subsidy to the beneficiary’s loan accounts. Through this yojana, families headed by people with disabilities or members of scheduled castes and scheduled tribes will be eligible for enhanced capital subsidies. The vulnerable groups will get a subsidy of up to Rs. 70,000 and other groups will get a subsidy of Rs. 60,000 for Rs. 3 lakh loans. Banks are not allowed to take any processing charges from the beneficiaries of this yojana to avail loans from the banks.
Also Check: Affordable Rental Housing Scheme
Objective of Mo Ghara Yojana Odisha
The main aim of Mo Ghara Yojana Odisha 2023 is to provide a house to every family of Odisha who is living in a kutcha house or one pucca room without proper arrangement. Many families are unable to take benefits from other housing schemes due to not fulfilling eligibility criteria or other reasons. Having a house is the biggest relief in one’s life as they have a shield on their head to protect themselves. This housing yojana will be proved as a hope for thousands of families.
Key Highlights of Mo Ghara Yojana Odisha
| Launched By | CM of Odisha Mr. Naveen Patnaik |
| Name of Yojana | To provide a house to every family of Odisha who are living in a kutcha house or in one pucca room without proper arrangement |
| Objective | Financial loan for building a house |
| Benefits | To provide a house to every family of Odisha who are living in a kutcha house or one pucca room without proper arrangement |
| Eligibility Criteria | Families who are living in kutcha house |
| Date of Registration | 15th of June 2023 |
| Official Website | Not launched |
Ineligiblility Of Mo Ghara Yojana Odisha 2024
- The monthly family income of the applicant exceeding Rs 25000
- Households availed of housing assistance of Rs 70,000 or above under any rural housing scheme in the past
- Those staying in pucca houses having two or more rooms with RCC roof
- Applicants having noncommercial motorized four-wheeler
- That household that has any member as a regular government employee
- Applicants having ownership of five acres or above irrigated land or 15 acres or above non-irrigated land
Amount of subsidy under the scheme
| Serial number | Loan amount(Rs) | General household subsidy(Rs) | SC/ST/PeD headed family subsidy(Rs) |
| 1 | 1 lakh | 30,000 | 40,000 |
| 2 | 1.5 lakh | 45,000 | 55,000 |
| 3 | 2 lakh | 60,000 | 70,000 |
| 4 | 3 lakh | 60,000 | 70,000 |
Implementation Of Scheme
- The government will launch a dedicated website to receive an application
- All the interested households can apply online for credit linkage
- Applicants will also be able to track their application
- On the receipt of the application, the concerned video will verify the eligibility of the applicant as for the checklist
- The existing house and proposed construction site will be geotech by block functionaries
- The block will facilitate the applicant in preparing the plan and estimate
- Block will also upload the approved plant and estimate in the web portal before sponsoring the application to the bank
- The BDO will sponsor The eligible applications online to the bank
- After this sponsorship of the application, the concerned bank will verify the required original documents and conduct field verification
- The eligible applicant will be sanctioned a loan by the bank
Instalments Of loan
| Loan amount(Rs) | First instalment(Rs) | Second instalment(Rs) | Third instalment(Rs) |
| 1 lakh | 50000 after sanction | 50000 at the root level | |
| 1.5 lakh | 50000 after sanction | 100000 at the roof level | 50000 after the roof cast |
| 2 lakh | 50000 after sanction | 50000 after the roof cast | 100000 after the roof cast |
| 3 lakh | 100000 after sanction | 1 lakh roof level | 100000 after roof cast |
Benefits and Features of Mo Ghara Yojana Odisha
The beneficiaries will receive the following benefits through the Yojana
- This Mo Ghara Yojana was launched by the CM of Odisha Mr. Naveen Patnaik on 29th May 2023.
- Through this yojana, beneficiaries can avail of loans up to Rs. 3 lakh, which should be paid in 10 years.
- According to the CM, this housing scheme is funded by the State Budget. The citizens whose monthly income is less than Rs. 25,000 and living in a kutcha house will be eligible for the yojana.
- Beneficiaries can take loans of up to Rs. 3 lahks and can pay the loan through one of the four loan slabs of the loan amount: 1 lakh, 1.5 lahks, 2 lahks, and 3 lahks.
- Through this yojana, families headed by people with disabilities or members of scheduled castes and scheduled tribes will be eligible for enhanced capital subsidies.
- The vulnerable groups will get a subsidy up to Rs. 70,000 and other groups will get a subsidy of Rs. 60,000 for Rs. 3 lakh loans.
- Banks are not allowed to take any processing charges from the beneficiaries of this yojana to avail loan from the banks.
Eligibility Criteria
- Applicants must be permanent residents of Odisha.
- The monthly income of the family should be Rs. 25,000\-
- Applicants must have a kutcha house to be eligible for the yojana.
- Applicants should belong to the EWS/SC/ST or Disabled category.
Documents Required
- Aadhar card
- Passport size photo
- Residency proof
- BPL Certificate
- Bonafield certificate
- Voter id card, etc.
Also Check: Pradhan Mantri Adarsh Gram Yojana
Procedure to register on the portal
- First of all, you have to go to the official website of mo ghara scheme
- The homepage will appear before you
- On the home page were required to click on the registration
- You will be redirected to a new page
- On this page, you have to enter the required details
- Now you have to upload the required documents
- After that, you have to click on submit
- By following this procedure you can register on the portal
Procedure to login on the portal
- To login on the portal beneficiaries are required to click on the login option
- After that, you have to click on the applicant
- You will be redirected to a new page
- On this page, you have to enter the required details
- After that, you have to click on login
- By following this procedure you can login on the portal
Contact Details
Helpline Number- 155335, 0674-6817777
Mo Ghara Yojana Odisha 2024 FAQs
The registration process will be started from 15th of June 2023.
The monthly income of the family should be Rs. 25,000\- and applicants must have a kutcha house to be eligible for the yojana.
No, the official website is not launched yet.