Mo Ghara Yojana, launched by the Odisha government on May 29, 2023, is a significant housing scheme aimed at fostering economic growth and improving living conditions for economically disadvantaged populations in Odisha. This initiative focuses on providing financial assistance to families who lack pucca (permanent) houses, enabling them to construct durable homes.

The significance of Mo Ghara Yojana lies in its targeted support for lower and lower-middle-class households residing in rural areas. Many families in these regions struggle with inadequate housing conditions, which can have far-reaching impacts on their health, education, and overall well-being. By addressing these challenges, the scheme aims to uplift marginalized communities and contribute to the state’s broader developmental goals.

• Financial Assistance: Provision of loans with subsidies tailored to different loan amounts.
• Inclusive Eligibility Criteria: Designed to include families who have previously been excluded from similar programs due to stringent eligibility or funding constraints.

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Overview of Mo Ghara Yojana

Scheme Name	Mo Ghara Yojana
Launched By	Odisha State Government
Objective	Provide affordable housing to economically disadvantaged populations
Maximum Loan Amount	Rs. 3 lakhs
Repayment Period	10 years (with 1 year grace period)
Eligibility	Lower socioeconomic categories in Odisha
Application Mode	Online and Offline
Official Website	Mo Ghara Odisha Portal
Key Benefit	No down payment required
Subsidy	Ranges from Rs. 30,000 to Rs. 60,000 based on loan amount

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Objective of Mo Ghara Yojana Odisha

The purpose of Mo Ghara Yojana is to significantly improve housing conditions for lower and lower-middle-class households in rural areas of Odisha. This initiative recognizes the critical need for stable, permanent housing as a foundation for economic and social development.

Key Objectives:

1. Improve Housing Conditions: By providing financial assistance, the scheme aims to transition families from kutcha (temporary) houses to pucca (permanent) houses. Ensuring that families live in secure, durable homes directly impacts their quality of life.
2. Rural Development: The scheme is a crucial component of broader rural development initiatives. Stable housing contributes to better health, education, and economic opportunities for residents.
3. Addressing Specific Needs: Many families have been previously excluded from housing programs due to stringent eligibility criteria or funding issues. Mo Ghara Yojana targets these underserved populations, offering them a chance to improve their living conditions.

Impact on Families Without Pucca Houses

Families residing in kutcha houses face numerous challenges, including vulnerability to natural disasters and health risks due to poor living conditions. By focusing on those without pucca houses, the scheme aims to provide safe and resilient housing solutions that protect families and offer long-term benefits.

This targeted approach not only addresses immediate housing needs but also lays the groundwork for sustainable rural development and improved living standards across Odisha.

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Helpful Summary of Mo Ghara Yojana Odisha

Key Details of Mo Ghara Yojana:

Mo Ghara Yojana provides substantial financial assistance to economically disadvantaged families in rural Odisha. Key details include:

• Loan Amounts and Subsidy Rates:Rs. 1 lakh loan: Rs. 30,000 subsidy
• Rs. 1.5 lakh loan: Rs. 45,000 subsidy
• Rs. 2 lakh loan: Rs. 60,000 subsidy
• Rs. 3 lakh loan: Rs. 60,000 subsidy

The scheme offers a maximum financial assistance of up to Rs. 3 lakh with a repayment period extending up to ten years and an initial one-year moratorium.

Connection with Other Housing Initiatives:

Mo Ghara Yojana aligns with other housing initiatives like the Biju Swasthya Kalyan Yojana, creating a comprehensive approach to improving living conditions in Odisha. While Biju Swasthya Kalyan Yojana focuses on health security, Mo Ghara Yojana addresses the critical need for permanent housing, ensuring a holistic upliftment of lower and lower-middle-class households in the state.

The integration of these schemes ensures that financially constrained families receive both quality healthcare and secure housing, promoting overall economic growth and improved living standards in rural areas.

Further Information:

For detailed information on eligibility, required documents, and application procedures, continue reading through the subsequent sections which delve deeper into each aspect of this beneficial scheme.

Eligibility Criteria

1. Applicants must be permanent residents of Odisha.
2. Applicants should not own a pucca (permanent) house within Odisha.
3. Must currently reside in a kutcha (temporary) house.
4. Household income should be below Rs. 25,000 per month.
5. Should not have received prior government housing assistance.

Financial Assistance Under Mo Ghara Yojana

The Mo Ghara Yojana offers a structured financial assistance framework designed to aid lower and lower-middle-class households in rural Odisha. The scheme aims to provide substantial support through loans and subsidies, ensuring that eligible families can transition from kutcha (temporary) houses to pucca (permanent) homes.

Loan Amounts and Subsidies

Financial assistance under this scheme is divided into different tiers based on the loan amount:

• Up to Rs. 1 lakh: A subsidy of Rs. 30,000 is provided.
• Up to Rs. 1.5 lakhs: A subsidy of Rs. 45,000 is offered.
• Up to Rs. 2 lakhs: A subsidy of Rs. 60,000 is granted.
• Up to Rs. 3 lakhs: A maximum subsidy of Rs. 60,000.

These subsidies are designed to reduce the financial burden on the applicants, making it more feasible for them to afford a permanent house.

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Interest Rates on Housing Loans

To ensure affordability, the Mo Ghara Yojana provides housing loans with favorable interest rates:

• The interest rate is kept low and competitive compared to standard housing loans available in the market.
• An initial moratorium period of one year is provided, allowing beneficiaries some breathing space before they start repaying their loans.
• The repayment period extends up to ten years, facilitating manageable monthly installments.

This structured approach helps beneficiaries plan their finances effectively while securing a stable and permanent home.

Required Documents

• Passport Size Photograph
• Aadhaar Card
• Voter ID Card
• Address Proof
• Identification Proof
• Residence Certificate
• Bonafide Certificate (if applicable)
• Below Poverty Line (BPL) Certificate
• Income Proof
• Government Aid Certificates

Step-by-Step Guide to Applying Online for Mo Ghara Yojana 2024

• Download the Ama Ghara app from Google Play Store or Apple App Store.

• Open the Ama Ghara app and click on “Register“.
• Fill in your name, mobile number, email address, and create a password.
• Log in using your registered email and password.
• Go to the “My Profile” section and enter personal and family details.
• Navigate to “Document Upload” section and upload scanned copies of Aadhaar Card, Address Proof, Income Certificate etc.
• Go to “Apply for Mo Ghara Yojana” section and fill out the application form.
• Review your application and click on “Submit“.

Using Awaassoft.nic.in Platform

• Open your web browser and go to Awaassoft.nic.in.

• On the homepage, locate and click on the “Mo Ghara Yojana Registration” link.
• Enter necessary personal information such as name, date of birth, contact details etc.
• Set up a username and password for future logins.
• After submitting the registration form, you will receive an OTP (One-Time Password) on your registered mobile number/email.
• Enter this OTP on the website to verify your account.
• Use your newly created username and password to log in.
• Once logged in, navigate to the “Apply for Mo Ghara Yojana” page.
• Fill out all required fields including personal details, housing status, income information etc.
• Ensure that all scanned documents are clear and legible before uploading them.
• Double-check all entered information before submitting to avoid errors or delays in processing.

Login for Odisha Mo Ghara Portal After Registration Completion

• Open your web browser and go to Awaassoft.nic.in or use the Ama Ghara mobile app.
• On the homepage, find and click on the “Login” option typically positioned at the top-right corner.
• Input your registered username and password into the respective fields.
• Complete the captcha verification by entering the characters displayed in the captcha image correctly.
• Press the “Login” button to access your account.
• Once logged in, navigate through sections such as Application Status, Document Upload, or Financial Assistance Details to manage your application and track its progress.

FAQs

1. What is Mo Ghara Yojana?

Mo Ghara Yojana is a housing scheme launched by the Government of Odisha on May 29, 2023, aimed at providing financial assistance to families without pucca (permanent) houses.

2. Who is eligible for the Mo Ghara Yojana?

• Permanent residents of Odisha.
• Families currently residing in kutcha (temporary) houses and not owning a pucca house.
• Monthly family income should be below Rs. 25,000.
• Applicants should not have received prior government housing assistance.

3. What documents are required for the application?

• Passport size photograph
• Aadhaar Card
• Voter ID Card
• Address Proof
• Identification Proof
• Residence Certificate
• Bonafide Certificate (if applicable)
• Below Poverty Line (BPL) Certificate

4. How much financial assistance can I receive under Mo Ghara Yojana? The scheme provides loan subsidies based on the loan amount:

• Rs. 1 lakh: Rs. 30,000 subsidy
• Rs. 1.5 lakh: Rs. 45,000 subsidy
• Rs. 2 lakh or Rs. 3 lakh: Rs. 60,000 subsidy

5. What is the repayment period for the loans provided under this scheme? The total financial assistance can go up to Rs. 3 lakh with a repayment period of ten years and an initial one-year moratorium for convenient payment.

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