Mo Ghara Yojana Odisha 2024: Eligibility, Documents& Application Process

1. About Mo Ghara Yojana Odisha

In a momentous move, the Naveen Patnaik Government launched the Mo Ghara Yojana on May 29, a groundbreaking initiative aimed at extending credit-linked financial support to those facing budget constraints in building or renovating their homes. This initiative is a beacon of hope for the economically and socially marginalized communities. As the BJD’s fifth term in office reaches its fourth year, the Odisha Government has embraced 18 pivotal schemes, including the plan. Delve into the comprehensive details of the Mo Ghara Scheme Odisha, exploring highlights, objectives, features & benefits, eligibility criteria, required documents, application procedure, and more.

2. Mo Ghara Yojana Odisha 2023 Unveiled

The Mo Ghara Yojana, synchronized with the culmination of Mr. Patnaik’s fifth term’s fourth year, aims to assist families previously excluded from housing programs due to stringent eligibility criteria or insufficient funding. It also caters to those who have previously received inadequate housing assistance and are now seeking to upgrade or expand their homes. Fully backed by the State budget, this credit-linked housing program secured approval from the State Cabinet, presided over by Odisha’s Chief Minister.

Commencing from June 15, 2023, applications for loans under the “Mo Ghara” yojana are open. This initiative was one of the 18 proposals greenlit by the Odisha Cabinet, led by Chief Minister Naveen Patnaik.

3. Empowering Dreams: Chief Minister Naveen Patnaik’s Vision

Under the visionary leadership of Chief Minister Naveen Patnaik, the Cabinet meeting witnessed the approval of 18 proposals, introducing Mo Ghara (Government Housing Assistance in Rural Areas), a transformative housing program. Timed strategically ahead of the 2024 elections, this decision followed a Cabinet reshuffle, welcoming three new ministers.

The State Government, through the “Mo Ghara” Yojana, aims to allocate funds in the Panchayati Raj & Drinking Water Department, benefiting lower and lower-middle-class households in rural areas, empowering them to realize their housing aspirations.

4. Mo Ghara Yojana Odisha: A Noble Objective

The State Cabinet’s endorsement of Mo Ghara signifies a commitment to providing financial support to rural Odisha households with lower and lower-middle incomes, enabling them to achieve their housing dreams. This program aims to include families previously excluded due to strict eligibility or financial constraints from existing housing programs.

5. Amount of Mo Ghara Yojana Odisha Loan Subsidy

Loan Amount	Subsidy Provided (Rs)
1 lakh	30,000 Rs
1.5 lakh	45,000 Rs
2 lakh	60,000 Rs
3 lakh	60,000 Rs

6. Mo Ghara Yojana Odisha Benefits and Features

Elevating Living Standards: Mo Ghara Yojana ensures pucca housing for the rural poor, significantly raising their standard of living.

Disaster Resilience: The program mitigates the vulnerability of rural communities to disasters, offering a crucial safety net for the economically challenged.

Dignity and Pride: By providing secure housing, Ghara Yojana fosters a sense of dignity and pride among the rural poor, empowering them to lead more fulfilling lives.

Economic Growth Catalyst: The program catalyzes economic growth in rural communities, fostering sustainable development.

Flexible Loan Options: Beneficiaries can secure housing loans up to Rs. 3 lakh, repayable over ten years with a one-year moratorium period, offering flexibility in payments.

Income-Based Eligibility: Individuals with monthly incomes below Rs. 25,000 and those who received housing aid totaling Rs. 70,000 or less are eligible for loans under this program.

7. Eligibility Criteria for Mo Ghara Yojana Odisha

To apply for Mo Ghara Yojana Odisha, applicants must meet the following eligibility criteria:

1. Permanent residence in Odisha.
2. Absence of ownership of a pucca house in Odisha, residing in a kuccha house.
3. Classification under the Economically Weaker Section (EWS).
4. Family income below Rs. 25,000 per month.
5. No prior receipt of any government housing aid.

Also Read: Bhulekh Odisha

8. Required Documents for Mo Ghara Yojana Odisha

Applicants need to submit the following documents :

1. Passport size photograph
2. Aadhaar Card
3. Voter ID Card
4. Address Proof
5. Identification Proof
6. Residence Certificate
7. Bonafide Certificate
8. BPL Certificate

9. Application Process of Mo Ghara Yojana Odisha 2023

Follow these steps to apply:

1. Visit the official website of Mo Ghara Yojana Odisha.
2. Click on the Registration option.
3. Fill out the application form with all of the relevant information.
4. Upload all required documents.
5. After successful registration, login.
6. Enter details in the application form.
7. Click the Submit button to conclude the application.

In conclusion, Mo Ghara Yojana Odisha stands as a beacon of hope, embodying the commitment of the Naveen Patnaik Government to uplift rural communities and fulfill housing dreams.

Frequently Asked Questions (FAQ’s)