Odisha MO Ghara Scheme

Loans for Housing Assistance with a capital subsidy will be provided by the Odisha Government under its MO Ghara Scheme to applicants who are currently living in a kutcha house or in one pucca room with an RCC rooftop.
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Introduction of Odisha MO Ghara Scheme: A Brief Insight

• Odisha Government launched the MO Ghara Scheme in the year 2023.
• It is a government housing assistance scheme specifically started for the people living in rural areas.
• The main objective of the MO Ghara Scheme is to provide financial assistance to needy families so that they can construct, upgrade or complete their pucca houses.
• Through this initiative, the Odisha Government aims to cover those families who are left out of existing housing schemes such as “PM Awas Yojana” or “Antyodaya Gruha Yojana”.
• Panchayat Samities are the implementing agencies of the MO Ghara Scheme and the Panchayati Raj & Drinking Water Department is the implementing department.
• MO Ghara Scheme is a credit-linked subsidy scheme in which housing loans will be provided up to Rs. 3 lakh to all eligible beneficiaries.
• Government of Odisha will provide a subsidy on the sanctioned loan directly in the loan account of the applicant.
• There are 4 slabs of the loan amount is available under the MO Ghara Scheme which are :-
  • Rs. 1 Lakh
  • Rs. 1.5 Lakh
  • Rs. 2 Lakh
  • Rs. 1.5 Lakh.
• As per their need, the beneficiary applicant can opt for any of the above-mentioned loan amounts and construct or upgrade their pucca house.
• The loan repayment time period under MO Ghara Yojana is 10 years, excluding the 1-year moratorium period.
• Government-backed Credit-Linked Subsidy is different for General Category Families and Families headed by Scheduled Caste, Scheduled Tribe and PWD category applicants.
• Subsidy provided on the 4 slabs of loan underthe  MO Ghara Scheme to General Category families are mentioned below :-
  • Subsidy of Rs. 30,000/- on Rs. 1 Lakh Loan.
  • Subsidy of Rs. 45,000/- on Rs. 1.5 Lakh Loan.
  • Subsidy of Rs. 60,000/- on Rs. 2 Lakh and Rs. 3 Lakh Loan.
• Whereas, the following subsidy will be provided by the Government of Odisha to those applicants who belong to SC/ ST/ PWD Category under MO Ghara Yojana :-
  • Rs. 40,000/- on Rs. 1 Lakh Loan.
  • Rs. 55,000/- on Rs. 1.5 Lakh Loan.
  • Rs. 70,000/- on Rs. 2 Lakh and Rs. 3 Lakh Loan.
• If the annual family income of any applicant is more than Rs. 25,000/- per month, then they are not eligible to apply for housing assistance under the Mo Ghara Scheme of the Odisha Government.
• Housing Loan Assistance under this scheme can be applied through the Online Application Form which is available on the MO Ghara Scheme Official Portal.
• Contact the Block Development Officer (BDO) or call on 0674 6817777 in case any help or assistance is required regarding the MO Ghara Scheme.
• Female Members of the Families can apply for financial assistance under the Odisha Government’s “Subhadra Yojana”.

Benefits Provided to Eligible Beneficiaries

• The following benefits will be provided by the Government of Odisha under its MO Ghara Scheme to all eligible applicants of the State :-
  

  Subsidised Loan up to Rs. 3 lakh as a housing assistance. The following 4 slabs of loans are available :- Rs. 1 Lakh Rs. 1.5 Lakh Rs. 2 Lakh Rs. 3 Lakh Subsidy on Loan will be provided from Rs. 30,000/- to Rs. 70,000/- as per the sanctioned amount of the loan. Repayment Period of the Loan is 10 years. Capital Subsidy will be released by the Government on the Completion of the House. No Processing Fees will be charged by the Bank for the sanction of the loan. No Registration Fees and Stamp Duty for the mortgage of the Title Deed.

Loan Amount and Subsidy Provided under the Scheme

• Odisha Government under its Mo Ghara Scheme will provide the following loan amount as a housing assistance and the amount of subsidy to all eligible applicants :-
  

  Amount of Loan	Subsidy to General Families	Subsidy to SC/ ST/ PWD Headed Families
  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. 3,00,000/-	Rs. 60,000/-	Rs. 70,000/-

Eligibility Conditions Required to be Fulfilled

• Housing Assistance as a loan up to Rs. 3 lakh under Odisha Government’s MO Ghara Scheme will be provided to only those applicants who fulfil the following eligibility criteria of the scheme :-
  • Permanent Residents of Odisha in Rural Areas are Eligible to Apply.
  • Family staying in Kutcha House or has one Pucca Room with RCC Roof.
  • The Annual Family Income should not be more than Rs. 25,000/- per month.
  • The beneficiary should not have availed any assistance from the government earlier or if availed, then the amount of financial assistance should be below Rs. 70,000/-.
  • Mortgage of a Title Deed/ Property is required to avail assistance under MO Ghara Yojana.

Ineligibility Criteria of the Scheme

• If any family member falls within any one of the below-mentioned categories, then those families are not eligible to apply for housing assistance under the MO Ghara Scheme of the Odisha Government :-
  

  If the family have a personal non-commercial motorised four-wheeler at home. If the family have retired or is serving a central state government employee. If the family owns any of the following land :- Below 5 Acres of Irrigated Land OR, Below 15 Acres of Non-Irrigated Land.

Documents Required to be Attached

• The documents mentioned below will be required to be uploaded on the portal at the time of submitting the online application under the MO Ghara Scheme of the Government of Odisha :-
  • Recent Colour Passport Size Photo.
  • Applicant Aadhaar Card.
  • PAN Card.
  • Residence Proof of Odisha.
  • Mobile Number.
  • Email ID.
  • Bank Account Details.
  • Disability Certificate. (For Disabled Applicant)
  • Documents Related to Land/ Property.
  • Any Other Document asked by the Bank.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

• Interested and Eligible Applicants can apply for financial assistance for house construction as a loan under the MO Ghara Scheme of the Odisha Government through the Online Application Form.
• Online Application Form is available on the Official Website of MO Ghara Scheme.
• Visit the Official Website and Click on Registration.
  
• A detailed MO Ghara Registration Form will appear in which the applicant will have to fill in the basic details about themselves.
  
• Mobile Number and Email ID of the applicant will be verified by the portal through OTP authentication.
• Login with your Aadhaar Card Number or Mobile Number after successful registration.
  
• A details Online Application Form of MO Ghara Scheme of the Odisha Government will appear, in which the applicant will have to fill their personal details, contact details, and housing site details.
• Upload all the required documents on the portal.
• Check all the filled details in the MO Ghara Scheme Online Application Form and click on the submit button to submit it.
• Submitted Online Application Form along with its documents will be scrutinised by the respective officials of the Panchayati Raj & Drinking Water Department with the help Block Development Officer.
• The list of Applicants selected for subsidised loans for the construction of a house under the MO Ghara Scheme will then be forwarded to Banks/ Financial Institutions for the sanctioning of the loan.
• Banks will verify the received applications as per their rules and regulations and transfer the sanctioned loan amount in instalments directly in the bank account of the beneficiary applicant.
• Beneficiary Applicant can also check the Odisha Government’s MO Ghara Scheme Application Status with their Aadhaar Card Number.
  
• Online Slot Booking for Mo Ghara Scheme (Mortgage with Deposit of Title Deed) can be done online.
  

Important Links Available

• Official Portal of MO Ghara Scheme Odisha.
• Registration of MO Ghara Scheme Odisha.
• Login of MO Ghara Scheme Odisha.
• Application Status of MO Ghara Scheme Odisha.
• Guidelines of MO Ghara Scheme Odisha.
• Odisha MO Ghara Scheme Online Slot Booking for Deposit of Title Deed.
• Official Portal of Panchayati Raj & Drinking Water Department Odisha.

Contact Details in Case of Help Needed

• Helpline Number of MO Ghara Scheme Odisha :- 0674 6817777.
• Odisha Panchayati Raj & Drinking Water Department Contact Email :- prsec.or@nic.in

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