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
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|
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Name of Scheme | Odisha Mo Ghara Scheme |
Launched Year | 2023 |
Benefits |
|
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 AmountOther familiesSC/ST/Disabled families1 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.
- 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
- Odisha Mo Ghara Scheme Applicants Registration Link.
- Odisha Mo Ghara Scheme Applicants Login.
- Online Slot booking for Mo Ghara Mortgage with deposit of title deed.
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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