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The Odisha Government has recently launched the MO Ghar Yojana 2023 to provide housing assistance in rural areas. Under this scheme, Odisha Housing Board commenced the aim of offering permanent housing solutions to individuals belonging to low to mid-low income categories. In this article we are going to talk about the MO Ghar Yojana 2023 in detail. I hope you wont get any doubt left at the end of the article.
What is MO Ghar Yojana 2023?
The Government of Odisha on July 07,2023 announced the “Rural housing Scheme” of Odisha i.e. “MO Ghar Yojana 2023”. Under this scheme, subsidies for pucca houses will be provided to low to middle low income people.This scheme is 100% funded by the state government. The applications for the Mo Ghar Yojana 2023 started from June 15,2023. Interested people can apply for the scheme through online mode. The maximum loan available under the scheme is Rs 3 Lakh. Let’s talk about the Mo Ghar Yojana 2023 in detail.
| MO Ghar Yojana 2023 Key Highlights | |
| MO Ghar Yojana 2023 Launch Date | May 29,2023 |
| MO Ghar Yojana 2023 Official Website | https://moghara.odisha.gov.in/landing |
| MO Ghar Yojana 2023 is related to | Provide housing assistance to rural people living in Odisha |
| MO Ghar Yojana 2023 Subsidy Amount | 3 Lakh ( Maximum Time) |
| MO Ghar Yojana 2023 Pay back time | 10 Lakh ( Maximum Period) |
| MO Ghar Yojana 2023 Maximum Subsidy | Rs 60,000 (General)Rs 70,000 (SC/ST) |
| MO Ghar Yojana 2023 Mode of Application | Online |
| MO Ghar Yojana 2023 Eligibility | Rs. 25000 per month (Family Income) |
| MO Ghar Yojana 2023 Helpline Number | 0674-6817777 /155335 |
MO Ghar Yojana 2023 Latest News | What’s New?
Application Form for Mo Ghara Housing Scheme has started from June 16, 2023. You can fill the application form through the rhodisha.gov.in/moghara/ portal.
Under the scheme, eligible beneficiaries have the opportunity to obtain housing loans of approximately Rs 3 Lakh. The repayment period for the loan is 10 years, excluding the one-year moratorium period. The loan can be repaid through convenient and manageable installments. Additionally, the scheme offers various loan slabs for individuals to select from.
| Mo Ghara Yojana 2023 Loan Slab Amount | |
| Loan Slab Number | Loan Slab Amount |
| Slab 01 | Rs 1,00,000 |
| Slab 02 | Rs 1,50,000 |
| Slab 03 | Rs 2,00,000 |
| Slab 04 | Rs 2,50,000 |
MO Ghar Yojana 2023 Objective
- The Prime objective of Mo Ghar Yojana 2023 is to provide Pucca houses to Rural people of Odisha.
- The target is to provide them support for their dream home so that they can fulfill their dream to have a house of their own.
- The Government will not only provide subsidies but also provide loans at a nominal interest rate.
MO Ghar Yojana 2023 Benefits
- The Mo Ghara housing scheme uplifts the living standards of rural poor by providing them with pucca housing, reducing their vulnerability to disasters, and promoting their sense of dignity. The scheme also contributes to the economic growth of rural communities.
- Eligible beneficiaries may receive housing loans up to Rs. 3 lakh, repayable over 10 years with a one-year moratorium period, and the loan amounts are categorized into four slabs: Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakh, and Rs. 3 lakh, respectively, according to the Cabinet notification.
- Those with monthly incomes below Rs. 25,000 or previous housing aid of Rs. 70,000 or less may qualify for loans under the Mo Ghara program.
MO Ghar Yojana 2023 Eligibility Criteria
Before applying for the MO Ghar Yojana, it is important to check the eligibility criteria in detail. Here is the complete list of Mo Ghar Yojana eligibility Criteria.
- You must be a permanent resident of Odisha.
- You must not own a pucca house in Odisha and should currently reside in a kutcha house.
- You should belong to the Economically Weaker Section (EWS) category.
- Your family income should be below Rs. 25,000 per month.
- You should not have received any form of government housing assistance in the past.
Who is Not Eligible for MO Ghar Yojana 2023?
- All rural households in Odisha are eligible for the program, except for those residing in pucca houses with two or more rooms and RCC roofs.
- Previous recipients of housing assistance amounting to Rs. 70,000 or more through a rural housing program are not eligible.
- Families with a monthly income of Rs. 25,000 or higher are not eligible.
- Ownership of a motorized four-wheeler for personal use disqualifies the household from the scheme.
- Families with regular government employees or public utility employees who receive a monthly pension from the latter for their services are ineligible.
- Possession of at least 15 acres of unirrigated land or at least 5 acres of irrigated land also makes the household ineligible for the Mo Ghara Scheme 2023.
MO Ghar Yojana 2023 Documents Required
It is important to check the documents that are required for the Mo Ghar Yojana 2023. Without the required documents, you won’t be able to take the benefit of the MO Ghar Yojana. Here is the complete list of MO Ghar Yojana 2023 required documents.
- Passport size photograph: A recent photograph of the applicant, usually taken against a plain background, is required for identification purposes and to be attached to the application form.
- Aadhaar Card: The Aadhaar card, issued by the Unique Identification Authority of India, serves as a primary proof of identity and address for Indian citizens and is mandatory for Mo Ghara Yojana registration.
- Voter ID Card: The Voter ID Card, also known as the Elector’s Photo Identity Card (EPIC), is another crucial document for identification and proof of residency, allowing eligible citizens to participate in the electoral process.
- Address Proof: Any official document, such as a utility bill or a rent agreement, that confirms the applicant’s current residential address is required to validate their place of residence.
- Identification Proof: Apart from the Aadhaar card, any other government-issued identification document, like a driver’s license or a PAN card, can be submitted as an additional proof of the applicant’s identity.
- Residence Certificate: A residence certificate issued by a competent authority confirms the applicant’s residential status in a particular area and is essential for availing benefits under the Mo Ghara Yojana.
- Bonafide Certificate: This certificate proves the applicant’s association with a specific locality or village, indicating their genuineness as a resident of that area.
- BPL Certificate: The Below Poverty Line (BPL) certificate serves as evidence that the applicant’s household falls under the specified income criteria to be considered for the scheme.
- EWS Certificate: The Economically Weaker Section (EWS) certificate validates the applicant’s eligibility based on their economic status, ensuring that those belonging to economically disadvantaged backgrounds can benefit from the scheme.
MO Ghar Yojana 2023 Subsidy Amount
Here is the complete list of MO Ghar Yojana Subsidy Amount. This is essential for you so that you can decide whether you should take a loan or not. Other than that, here are some important points that you need to know about the scheme.
- SC/ST and PwD Families will receive an extra subsidy of Rs. 10,000, providing them with additional financial support under the scheme.
- Loan beneficiaries will not incur any processing fees, as banks have been directed not to charge such fees for the Mo Ghara Scheme.
- To further alleviate the financial burden on beneficiaries, the State government has waived the mandatory stamp duties and registration fees for mortgage title deeds.
| MO Ghar Yojana 2023 Subsidy Amount | ||
| Categories | ||
| Loan Amount | General | SC/ST |
| Rs 1,00,000 | Rs 30,000 | Rs 40,000 |
| Rs 1,50,000 | Rs 45,000 | Rs 55,000 |
| Rs 2,00,000 | Rs 60,000 | Rs 70,000 |
| Rs 2,50,000 | Rs 60,000 | Rs 70,000 |
MO Ghar Yojana 2023 EMI Calculation (10 Years)
It is imperative to check the EMI amount so that you can calculate if you will repay the loan in 10 years. Generally the bank charges 9% under a government scheme. Therefore, here is an example of the EMI if a bank charges 9% interest on a housing loan under MO Ghar Yojana.
| Loan Amount (Rs.) | Effective Principal after one year@ 9% Interest | EMI @ 9% interest rate for 10 years (in Rs.) after subsidy. | |
| General | SC/ST/ PwDs | ||
| 1,00,000 | 1,09,000 | 1,001 | 874 |
| 1,50,000 | 1,63,500 | 1,501 | 1,374 |
| 2,00,000 | 2,18,000 | 2,001 | 1,875 |
| 3,00,000 | 3,27,000 | 3,382 | 3,256 |
MO Ghar Yojana 2023 Online Application | How to Apply for MO Ghar Yojana 2023?
As mentioned earlier, the application process of MO Ghar Yojana has already been started. Before applying for the Mo Ghar Yojana, it is important to check the complete MO Ghar Yojana Eligibility Criteria. Also check the documents that would be required for the MO Ghar Yojana. To apply for the Mo Ghara Yojana Odisha, follow the following steps.
- Visit the official website of Mo Ghara Yojana Odisha.
- On the homepage, click on the “Registration” option.
- A new page will appear where you can access the application form.
- Complete the form by providing necessary details such as Name, Email ID, Mobile Number, Address, etc.
- Upload all the required documents as specified in the article.
- Once registered, Log in with your credentials.
- Fill in the application form with all the required information.
- Finally, submit the application by clicking on the “Submit” button to complete the process.
MO Ghar Yojana 2023 Conclusion
MO Ghar Yojana 2023 has been a remarkable step taken by the Government of Odisha to provide housing to the rural areas of the state. The subsidized amount provided by Odisha will help and encourage the people to take loan and fulfill their dreams to build a home of their own.
MO Ghar Yojana FAQs
What is the amount of Mo Ghara scheme in Odisha?
The maximum loan amount one can avail in the MO Ghar Yojana 2023 is Rs 3 Lakh ( for General Category).
Who is eligible for Mo Ghara Yojana?
The MO Ghar Yojana Eligibility Criteria has been provided below.
The candidate must have a domicile of Odisha.
The candidate must not own a pucca house in Odisha and should currently reside in a kutcha house.
The candidate should belong to the Economically Weaker Section (EWS) category.
The family income of the candidate should be below Rs. 25,000 per month.
The candidate should not have received any form of government housing assistance in the past.
What is the interest rate in the Mo Ghara scheme?
Right Now, the bank is providing the interest rate of 9% under MO Ghar Yojana 2023. For complete details, please refer to the article.
How to apply for Mo Ghara in Odisha?
In order to apply for the scheme, follow the following steps:
Visit the official website of Mo Ghara Yojana Odisha.
On the homepage, click on the “Registration” option.
A new page will appear where you can access the application form.
Complete the form by providing necessary details such as Name, Email ID, Mobile Number, Address, etc.
Upload all the required documents as specified.
Once registered, log in with your credentials.
Fill in the application form with the required information by the Odisha Government.
Finally, submit the application by clicking on the “Submit” button to complete the process.
