Odisha Mo Ghara Scheme

Submitted by pradeep on Fri, 30/08/2024 - 13:28
Odisha CM
Scheme Open
Odisha Mo Ghara Scheme Logo
Highlights
  • The government provides the following benefits under their Mo Ghara Scheme : -
    • Housing loan facility up to Rs 3 lakh.
    • Subsidy up to Rs 70,000/-.
    • Additional subsidy to SC/ST/PWD families.
    • Ten years of loan tenure with first year as a moratorium period.
    • Registration, stamp duty, and legal advice fee for mortgage of the title deeds will be exempted.
Customer Care
  • Mo Ghara Odisha Helpline Number : - 0674-6817777
  • Panchayati Raj and Drinking Water Department helpdesk : - prsec.or@nic.in
Overview of the Scheme
Name of Scheme Odisha Mo Ghara Scheme
Launched Year 2023
Benefits
  • Housing loan up to Rs 3 lakh.
  • Subsidy up to 70,000/-
  • One year moratorium period.
Beneficiaries Families not covered under PMAY-G
Nodal Department Odisha Panchayati Raj and Drinking Water Department.
Subscription Subscribe Here to Get Update Regarding Scheme.
How to Apply Applicants can apply for Mo Ghara Odisha scheme online.

Introduction

  • In order to bring the rural areas people into the mainstream, the Odisha government has announced various schemes.
  • In addition, the state government has started a new household scheme called "Mo Ghara" Yojana.
  • As we know, the central government, in association with the state government, is providing housing for all under the 'Pradhan Mantri Awas Yojana'.
  • The said scheme is available for both urban and rural households, but with some conditions.
  • Due to these limitations, some rural households have been deprived from the scheme benefits.
  • Addressing this issue, the Odisha government introduces 'Mo Ghara Yojana' for households that are not covered under the PMAY-G.
  • Additionally, beneficiaries who received housing scheme facilities in the past and want to renovate or upgrade their house are also eligible.
  • Announced scheme is known by the other names; such as 'Odisha Mo Ghara Yojana', or 'Odisha Mo Ghara Scheme', or 'Mo Ghara Odisha Yojana'.
  • Panchayati Raj and Drinking Water Department of Odisha is the nodal authority of the scheme.
  • Through the Mo Ghara Scheme, the state government will provide housing loan facilities to its eligible beneficiaries.
  • Beneficiaries can avail of a maximum loan of Rs 3 lakhs under the scheme.
  • The loan provided under the scheme can be repaid over the period of ten years, with the first year as a moratorium period.
  • The Mo Ghara scheme also provides subsidies to its beneficiaries, with an additional subsidy to SC/ST/PWD categories.
  • The subsidy provided under the scheme will be credited once the work under the scheme is completed.
  • There are four slabs under which, the government provides loan and subsidies to its beneficiaries : -
    • First slab offer a loan of Rs 1 Lakh with subsidy of Rs 30,000/-
    • Second slab offer a loan of Rs 1.5 lakh with subsidy of Rs 45,000/-
    • Third slab offers a loan of Rs 2 lakh with subsidy of Rs 60,000/-
    • Fourth slab offers a long of Rs 3 lakh with subsidy of Rs 60,000/-
  • Families of SC/ST/PWD will get additional Rs 10,000/- as a subsidy in each slab.
  • Moreover, to reduce financial burden, the state government also waived the registration fees and stamp duty required during the mortgage of the title deed.
  • Mo Ghara Yojana Odisha benefits will be provided to such households who meet its eligibility criteria.
  • As per the conditions, families living in a kutcha house and did not receive assistance under any housing scheme are eligible.
  • However, families who received assistance less than Rs 70,000/- under housing are also eligible.
  • Application forms for Mo Ghara Odisha Yojana are available online at its official website.

Benefits of Scheme

  • With an aim to provide household benefits to families not covered under Pradhan Mantri Awas Yojana-Gramin, the state government announced this scheme with following benefits : -
    • Four types of loan will be provided to eligible households.
    • Beneficiaries will receive a subsidy on the given loan amount.
    • Beneficiaries of SC/ST/Disabled categories will get additional subsidy.
    • Registration, stamp duty, and legal advice fee will be waived off.
      Loan Amount
      Subsidy Amount
      Other families
      SC/ST/Disabled families
      1 Lakh 30,000/- 40,000/-
      1.5 Lakh 45,000/- 55,000/-
      2 Lakh 60,000/- 70,000/-
      3 Lakh 60,000/- 70,000/-

Eligibility Criteria

  • In order to be eligible for Odisha Mo Ghara Yojana, applicants must meet the following eligibility conditions : -
    • Applicants must be permanent residents of Odisha.
    • Families should not be covered under the PMAY-G.
    • Families living in thatched house (kutcha house) or one room thatched house.
    • Families who have not received any assistance under the housing scheme or have received assistance less than Rs 70,000/-.
    • Monthly income of the families should be less than Rs 25,000/-
    • Individuals who own four wheel vehicles for personal use are not eligible.
    • Government employees or pensioners are not eligible.
    • Households possessing less than 5 acres of irrigated or 15 acres of non-irrigated land are eligible.

Documents Required

  • Applicants must produce their following documents when submitting Mo Ghara Odisha applications : -
    • Aadhaar Card.
    • Address proof.
    • Domicile Certificate.
    • Caste Certificate (if any).
    • Applicants RoR.
    • MGNREGA Card.
    • Income Certificate.
    • PWD Certificate (If any).

How to Apply

  • Eligible applicants can submit Mo Ghara Odisha Yojana application online.
  • Application forms for Odisha Mo Ghara Scheme are available online at Mo Ghara official website.
  • Select the 'Registration' tab from the website home page.
  • For registration, applicants need to provide their following details.
    Odisha Mo Ghara Scheme Registration Details
  • After submitting the required details, press the 'Get OTP' tab.
  • Enter the OTP received to complete the authentication process.
  • After registration, applicants need to login with their Aadhaar Number.
  • Enter the details and upload the documents as required.
  • Review this application form and submit it.
  • The concerned authority will review your application and complete the scrutiny before providing scheme benefits.

Important Links

Contact Details

  • Mo Ghara Odisha Helpline Number : - 0674-6817777
  • Panchayati Raj and Drinking Water Department email helpdesk : - prsec.or@nic.in
  • Panchayati Raj and Drinking Water Department,
    Odisha Govt., Secretariat Building, Bhubaneswar
    Pin- 751001, Odisha, India

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