Mo Ghara Yojana Apply 2024: Objective, Features, Benefits, Online Application and See Eligibility

Mo Ghara Yojana Apply: On May 29, the Naveen Patnaik government declared the launch of the Mo Ghara Yojana, which aims to give credit-linked financial assistance to those in need of it but lack the funds to build or fix their homes. For those who are less fortunate socially and economically, this is a huge relief. With four years of the BJD’s fifth term in office already completed, the Odisha government has approved eighteen significant initiatives, including the Mo Ghara plan. Check out the Mo Ghara Scheme Odisha’s highlights, objectives, features and benefits, eligibility requirements, required documents, application procedure and much more by reading the details below.

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Mo Ghara Yojana Odisha 2024

The programme will help all families who have turned away from the current housing programmes because of stringent eligibility requirements or a lack of funding, as well as those who previously received housing assistance of a lesser amount and are now looking to expand or upgrade their homes. It was implemented in conjunction with the conclusion of Mr Patnaik’s fifth term’s fourth year. The State Cabinet, led by the Chief Minister of Odisha, approved the credit-linked housing proposal with full backing from the State budget. Loan applications will be taken beginning on June 15, 2023. One of the eighteen recommendations adopted on Monday by the Odisha Cabinet, led by Chief Minister Naveen Patnaik, was the new “Mo Ghara” yojana.

The choice was taken during a Cabinet meeting that Chief Minister Naveen Patnaik presided over. A week after the Cabinet reshuffle that brought three new ministers to the Odisha Council of Ministers, the State Government of Odisha approved eighteen proposals to create a new housing programme called Government Housing Assistance in Rural Areas, or Mo Ghara. This action was taken before the elections of 2024. Under the “Mo Ghara” Yojana at the Panchayati Raj & Drinking Water Department, the State Government will provide funding to lower-class and lower-middle-class households in rural areas to fulfil their ambitions.

Odisha Mo Ghara Scheme Details in Highlights

Name	Mo Ghara Yojana Odisha
Introduced by	Naveen Patnaik Government
State	Odisha
Beneficiaries	Lower Middle Class People of Odisha
Loan Amount	Rs 3 Lakh
Official Website	https://rhodisha.gov.in/moghara/

Mo Ghara Yojana Odisha Objective

In order to help rural Odisha households with lower and lower-middle incomes fulfil their housing goals, the State Cabinet approved the Mo Ghara housing programme. Under the project, all of these families who were turned away from the current housing programmes due to strict qualifying requirements or insufficient funding would be supported.

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Features and Benefits of Mo Ghara Yojana Odisha

Several salient characteristics and advantages of the Mo Ghara Yojana Odisha

• Pucca dwellings are provided to the rural destitute, so enhancing their standard of living.
• It lessens the impoverished’s susceptibility to calamities in rural areas.
• It promotes rural communities’ economic development and makes the impoverished in those areas feel more worthy of dignity.
• A programme participant may be eligible for a home loan up to Rs. 3 lahks, which can be repaid in manageable instalments over a ten-year period, except for a one-year moratorium period.
• The Cabinet notification lists the four loan amount slabs as follows: Rs. 1.5 lakh, Rs. 2 lakh, Rs. 3 lakh, and Rs. 1 lakh, respectively.
• A loan under the Mo Ghara programme can be available to people whose monthly income is less than 25,000 rupees and who have previously received housing aid totalling 70,000 rupees or less.

Mo Ghara Yojana Eligibility Criteria

Families that meet the requirements below will be eligible for a housing loan and subsidy under the Mo Ghara Scheme.

• To be eligible for the Mo Ghara Yojana’s benefits, one must be an Odisha native.
• Families that reside in one-room pucca houses or kutcha houses with RCC roofs would be eligible to get benefits from this plan.
• The benefits of this initiative are available to families that have not previously benefited from government housing aid or who have received housing help totalling less than Rs 70,000.
• A family must make less than Rs 25,000 per month in order to qualify for the scheme’s benefits.
• You will not be eligible to receive the Mo Ghara Yojana benefits if your household owns a four-wheeler.
• No member of the family may hold a government position or be receiving a monthly pension under this plan.
• The family should own less than 15 acres of non-irrigated land and 5 acres of irrigated land.

Required Documents to Apply

Among the essential paperwork required for Mo Ghara Yojana Odisha are the following:

• Passport size photograph
• Aadhaar Card
• Voter ID Card
• Address Proof
• Identification Proof
• Residence Certificate
• Bonafide Certificate
• BPL Certificate
• EWS Certificate

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Application Procedure for Mo Ghara Yojana Odisha 2024

Candidates must adhere to the instructions listed below in order to apply for the Mo Ghara Yojana Odisha

• Check out the Mo Ghara Yojana Odisha official website first.
• The homepage of the website will appear on the screen.

• Choose the option for registration.
• The display will open to a brand new page.
• A software shape will open on the display as soon as you click on the link.
• Now, the whole shape is by entering all essential data, which includes your call, electronic mail deal with, cell range, deal with, and many others.

• After that, upload all required files.
• After you’ve successfully registered, enter your login information.
• Enter your information in the application.
• To finish the application procedure, click the Submit button.

Conclusion

For households in Odisha that are struggling financially, the Mo Ghara Yojana offers a fantastic chance to build or modify a home. The programme has several advantages, such as long payback terms, no collateral requirements, and financial support. I urge you to apply as soon as possible if you qualify for the programme.

FAQs

Q. What is the maximum amount of loan that may be acquired via the Mo Ghara Yojana?

Ans: Under the Mo Ghara Yojana, up to Rs. 3 lakh in loans may be taken out.

Q. How long does the loan have to be repaid?

Ans: Ten years are allotted for debt payback. There is a one-year moratorium period.

Q. Is collateral a must to get a loan?

Ans: For the loan, no collateral is needed.

Q. What is the loan’s instalment monthly interest rate?

Ans: The amount borrowed and the length of the repayment term will determine the loan’s instalment payments.

@MAN