The Mo Ghara Yojana is one of the most prominent schemes that have been launched by the Government of Odisha. The scheme was announced by the chief minister of Odisha Naveen Patnaik in the year 2023. The scheme has been launched to develop the people who are not in possession of a pucca house. Many people benefitted from the Mo Ghara scheme. The Mo Ghara is translated as my house through which we can understand that the scheme was launched to satisfy the dream of many people to have a well-constructed house of their own. The Mo Ghara Scheme offers financial assistance of the highest amount of rupees 3 lakhs which can be repaid to the government within a span of 10 years. There are lots of benefits that people can use based on this scheme. In this article, we will cover a vast knowledge of the scheme and application process, eligibility criteria, benefits of the scheme, required documents, and various other important details.
Mo Ghara Scheme Overview
There were a lot of schemes that have been launched by the government of Odisha under the governance of Naveen Patnaik, the Mo Ghara Scheme stands unique and special as it fulfills the dream of many to have a house on their own or to renovate their old houses. The Mo Ghara Scheme is considered to be a great initiative by the government of Odisha as it offers financial assistance financially to the economically deprived people. There are various benefits such as subsidies, zero down payment, low interest rates, and various other features. A detailed overview of the Mo Ghara Scheme is as follows:
| Name of the Scheme | Mo Ghara Scheme |
| Launched by | The Government of Odisha |
| Initiated on | May 29, 2023 |
| Benefits | Construction of the pucca house or renovation |
| Mode of Application | Both Online and Offline |
| Location | All over Odisha |
| Official Website | https://moghara.odisha.gov.in |
| Helpline number | 1800-3456-768 |
Mo Ghara Yojana Eligibility Criteria
To avail the beneficiaries offered by the government of Odisha to construct houses and renovate the old kutcha model houses into new pucca houses the applicants are required to have certain qualities. These qualities are mentioned as the eligibility criteria by the Mo Ghara Scheme. The eligibility criteria are as follows:
- The people who are living in kutcha houses with one or two rooms built with bricks and proper concrete ceilings can also avail of the Mo Ghara scheme to renovate the complete kutcha house into a pucca house.
- Applicants who have already got a housing loan of less than Rs. 70,000 can apply for the Mo Ghara Scheme to avail of the beneficiary payment based on their requirements.
- The total income of the family should be less than Rs. 25,000 and should not own a four-wheeler vehicle.
- Those who are applying for the beneficiary payment of the Mo Ghara Scheme should be permanent residents of the state of Odisha.
- Those who have 5 acres of cultivable land or 15 acres of non-cultivable are not allowed to apply for the beneficiaries of the Mo Ghara Scheme.
- The family availing the loan from the Mo Ghara Scheme should not have any regular workers in the government or regular receivers of the pension amount.
Documents Required for the Application Process of the Mo Ghara Scheme
There are certain documents that need to be submitted by the applicants who are applying for the housing loan from the Mo Ghara Scheme. The documents are as follows:
- Recent Passport size photograph
- Aadhar Card
- PAN Card or Voter ID
- Address Proof
- Residence Certificate
- Bonafide Certificate
- Below Poverty Line Certificate
Benefits of the Mo Ghara Scheme
The Mo Ghara Scheme offers many benefits for the individuals who apply for the housing loan of Mo Ghara Scheme. The benefits offered for the development of rural people by the Mo Ghara Scheme are as follows:
- The housing loan amount of Rs. 3 lakhs can be availed from the Mo Ghara Scheme and can be repaid in a span of ten years with a moratorium period of one year, where the individuals are not required to pay an EMI amount on the particular year.
- The Mo Ghara Scheme has benefited mainly people from rural background and who are financially deprived, to build a pucca house on their own.
- Because of the Mo Ghara Scheme the livelihood of the individual is developed and their dream of building a household on their own is built through the housing loan which can be availed.
Subsidies Provided by the Mo Ghara Scheme
The Mo Ghara Scheme offers the Individual to a loan amount of different slabs along with the subsidy provided. The housing loan amount along with the subsidy provided by the Mo Ghara Scheme are as follows:
| Housing Loan Amount | Subsidy Amount |
| 1 lakh | Rs. 30,000/- |
| 1.5 lakh | Rs. 45,000/- |
| 2 lakh | Rs. 60,000/- |
| 3 lakh | Rs. 60,000/- |
The subsidy amount is known as the direct payment of the amount by the government or the amount may be cut off from the reduction of tax.
The Application process for the Mo Ghara Scheme
The individuals from a rural and financially deprived background greatly benefited from the Mo Ghara Scheme and the application process for the Mo Ghara Scheme is as follows:
- Individuals who wish to avail of the housing loan to fulfill their dream of moving from a kutcha house to a pucca house should check the eligibility criteria mentioned in the article and verify whether they are eligible to apply for the housing loan of Mo Ghara Scheme.
- If the individuals clear all the checks of the eligibility criteria, they can proceed by opening the official website of the Mo Ghara Scheme.
- The icon for the registration process will be available on the webpage and it should be clicked.
- The application form will be opened on a new webpage and the individuals are required to fill in all the necessary information mentioned in the application form without any error.
- The certificates as mentioned above in the article are required to be scanned and uploaded in the application form within the size range of the documents mentioned in the application form.
- The applicants will be registered and the login credentials will be provided to the email ID of the applicant.
- The applicants are required to log in with the provided credentials, fill in the details and check whether all the details are mentioned without any mistakes.
- After completing all the above-mentioned steps the applicants can proceed with the submission of the application form and complete the application process.
- It is better to save the completed application form for the Mo Ghara Scheme in a pdf format by the applicant.
Frequently Asked Questions (FAQs)
1) What is the English meaning of the word Mo Ghara?
Answer: My Home is the English meaning.
2) How much is provided as a subsidy for the loan of Rs. 2 lakh?
Answer: Rs. 60,000 is provided as a subsidy.
