Odisha Mo Ghara Yojana: Eligibility, Documents Required, Login & Application Process

Odisha Mo Ghara Yojana
Odisha Mo Ghara Yojana

The Odisha government has launched an ambitious initiative, Mo Ghara Yojana, aimed at improving the living standards of its economically vulnerable citizens by facilitating homeownership. This scheme is especially significant as it targets individuals and families who do not have access to permanent, quality housing, offering them financial and infrastructural support to build or acquire pucca houses.

Also Read: West Bengal Taruner Swapna Scheme 2024: Objectives, Features, Application Process & Status

About Mo Ghara Yojana Odisha

Mo Ghara Yojana was introduced by the Odisha Government with a vision to reduce the housing inadequacy in the state by providing financial assistance to build pucca (permanent) houses. This initiative not only aims to help individuals own a home but also to strengthen community ties and stabilize economic conditions by fostering secure and sustainable living environments.

Name of the SchemeMo Ghara Yojana Odisha
Launched byOdisha Government
ObjectiveTo provide affordable housing to Odisha residents
Application ModeOnline
BeneficiariesPeople of Odisha
Key BenefitUp to Rs. 3 lakhs in housing loans
Official Websitehttps://moghara.odisha.gov.in/

Objectives of Mo Ghara Yojana Odisha 2024

The scheme is focused on several key objectives:

  • Housing Accessibility: To provide financial assistance that enables residents to build or purchase new homes.
  • Comprehensive Support: Integrating other essential services like electricity, water supply, and sanitation to ensure well-rounded living conditions.
  • Economic Stability: By aiding in home ownership, the scheme also aims to provide a stable economic foundation for families, reducing the transient nature of living conditions and fostering long-term community development.

Benefits of Mo Ghara Yojana Odisha

The scheme offers extensive benefits to its beneficiaries:

  • Direct Financial Aid: Loans up to Rs. 3 lakhs for constructing or purchasing pucca houses.
  • Subsidies and Low-Interest Rates: Substantial subsidies on loans obtained through banks or other financial institutions, significantly lowering the cost of borrowing.
  • Additional Grants: Funds for specific improvements like toilet construction under national missions such as the Swachh Bharat Mission.

Eligibility Criteria for Mo Ghara Yojana Odisha

To be eligible for this scheme, applicants must meet the following criteria:

  • Residency: Must be a permanent resident of Odisha.
  • Income Limit: Should not earn more than Rs 25,000 per month.
  • Housing Status: Must not own a pucca house.
  • Other Conditions: May include not owning a commercial vehicle, not working in certain government sectors, or not owning significant agricultural land.

Financial Assistance Provided

The structured loan system under Mo Ghara Yojana includes:

  • Loan Amounts: Different slabs ranging from Rs. 1 lakh to Rs. 3 lakh.
  • Repayment: Flexible repayment terms over ten years with a one-year grace period.
  • Subsidies: Depending on the loan amount, subsidies can significantly reduce the effective interest and principal to be repaid.

Documents Required to Apply

The list of necessary documents includes:

  • Identification Proof: Aadhaar card.
  • Ownership and Land Documents: Record of Rights (RoR).
  • Financial Documents: KYC documentation, income certificate from Tahsildar, salary slips.
  • Additional Certificates: Caste certificate if applicable, and a disability certificate if needed.

Application Process of Mo Ghara Yojana Odisha 2024

The application process is as follows:

  1. Website Visit: Go to the official Mo Ghara Yojana website.
  2. Registration: Select the registration option on the home page.
  3. Form Filling: Enter all the necessary details in the application form.
  4. Document Upload: Attach the required documents in the prescribed format.
  5. Submission: Review all information, submit the application, and download/save the confirmation for future reference.

Mo Ghara Yojana Odisha Login Process

To log in to the portal:

  1. Open the Website: Visit the official Mo Ghara Yojana site.
  2. Access Login Page: Click on the ‘Login’ button on the homepage.
  3. Enter Details: Provide your username, password, and the displayed captcha.
  4. Submission: Click on the “Login” button to access your account and track your application status.

Mo Ghara Yojana Odisha Loan Amount and Subsidy Calculation

The detailed breakdown of the loan and subsidy structure ensures affordability:

  • Loan Slabs: Ranging from Rs. 1 lakh to Rs. 3 lakh with corresponding subsidies that reduce the burden of interest and repayment.

Implementation Process

  • Application Portal: Applications are submitted online, ensuring ease of access and efficiency.
  • Verification: Local government officials assist in eligibility verification and documentation.
  • Support: Block Development Officers and other local officials provide necessary guidance and support to applicants throughout the process.

By providing detailed information and step-by-step processes, Mo Ghara Yojana aims to make the dream of homeownership a reality for many in Odisha, enhancing the socio-economic fabric of the state

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