[Registration] Mo Ghara Yojana Odisha 2023: Apply Online Form, Benefits

‘Mo Ghara’ Yojana Odisha 2023: Online Registration, Form, Empowering Rural Communities, Affordable Housing Scheme, Benefit, Eligibility, Documents, Official Website, Helpline Number

In Odisha, the Mo Ghara scheme has been introduced with the aim of providing affordable housing assistance to rural areas. This comprehensive scheme is designed to uplift the living standards of lower and lower-middle-class households. In this article, we will explore the details of the Mo Ghara scheme, including its objectives, benefits, eligibility criteria, required documents, and the positive impact it brings to rural communities.

‘Mo Ghara’ Scheme Odisha 2023

What is ‘Mo Ghara’ Scheme Odisha

The Mo Ghara scheme, initiated by the Odisha Government, is a dedicated effort to address the housing needs of rural households. It seeks to bridge the gap and ensure that those who were previously left out of similar housing schemes due to stringent eligibility criteria or limited allocations can now access financial assistance. This scheme focuses on empowering rural communities by providing them with the means to upgrade or expand their houses, thereby enhancing their overall quality of life.

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‘Mo Ghara’ Scheme Odisha Objective

The primary objective of the Mo Ghara scheme is to improve the housing conditions of rural households in Odisha. By offering financial aid, the government aims to enable eligible beneficiaries to upgrade their living spaces and create better homes for themselves and their families. This scheme strives to provide a solid foundation for rural development, emphasizing the importance of safe and secure housing as a fundamental right for every citizen.

‘Mo Ghara’ Scheme Benefits

The Mo Ghara scheme brings numerous benefits to eligible households, fostering positive changes in their lives. These include:

1. Financial Assistance:- Qualified beneficiaries can access housing loans ranging from Rs. 1 Lakh to Rs. 3 Lakh, ensuring financial support for their housing aspirations.
2. Upgrading Opportunities:- The scheme allows households to upgrade or expand their existing houses, accommodating their evolving needs and providing them with improved living conditions.
3. Affordable Repayment:- The repayment terms are designed to be affordable, with a moratorium period of one year and flexible installment options, easing the financial burden on beneficiaries.
4. Reduced EMIs:- The government provides capital subsidies to the loan accounts of beneficiaries, significantly reducing the Equated Monthly Installments (EMIs) and making repayment more manageable.
5. Additional Support:- Eligible households may also benefit from relevant rural development schemes focusing on areas such as sanitation, drinking water, and electrification.

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‘Mo Ghara’ Scheme Features

The Mo Ghara scheme encompasses several notable features, ensuring its effectiveness and accessibility:

1. Loan Slabs:- Beneficiaries can choose from four loan slabs, ranging from Rs. 1 Lakh to Rs. 3 Lakh, based on their specific housing requirements and financial capacities.
2. Flexible Repayment Options:- The scheme offers a repayment period of 10 years, with customizable installment plans that suit the individual needs of the beneficiaries, promoting ease of repayment.
3. Capital Subsidies:- To alleviate the financial burden on beneficiaries, the government provides capital subsidies, resulting in reduced EMIs and making the repayment process more affordable.
4. No Processing Fees:- Banks do not charge any processing fees for the sanctioning of loans under the Mo Ghara scheme, eliminating additional financial obligations for applicants.

‘Mo Ghara’ Scheme Eligibility Criteria

To be eligible for the Mo Ghara scheme, households must fulfill specific criteria set by the government. The following requirements must be met:

1. House Type:- The family must reside in a kutcha house or a one-pucca room with an RCC roof, ensuring that those living in inadequate housing receive support.
2. Previous Assistance:- The family should either have not received any previous government housing assistance or have received assistance below Rs. 70,000 in the past, ensuring the scheme targets those who have not been adequately supported before.
3. Income Limit:- The monthly income of the household should be below Rs. 25,000, ensuring that financial aid reaches those who require it the most.
4. Vehicle Ownership:- The family should not possess a non-commercial motorized four-wheeler for personal use, preventing households with higher financial capabilities from accessing benefits meant for economically disadvantaged families.
5. Employment Status:- None of the family members should be regular government/PSU employees or receive monthly pensions for their service period, ensuring assistance reaches those in need.
6. Land Ownership:- The family should own less than 5 acres of irrigated land or less than 15 acres of non-irrigated land, making the scheme accessible to small landholding families.

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Mo Ghara Scheme Documents Required 

To apply for the Mo Ghara scheme, applicants need to provide certain documents. These include:

1. Identification Proof:- Valid identification documents such as Aadhaar Card, Voter ID Card, or any other government-issued identification.
2. Income Proof:- Documentation providing evidence of the monthly income of the household, such as salary slips, income certificates, or any other relevant documents.
3. Land Ownership Documents:- Proof of land ownership, such as sale deeds or land records, to establish the family’s ownership status.

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Application Process for Mo Ghara Scheme

You can follow the given below steps to apply for this scheme.

• Step 1: Go to the official website for Mo Ghara Scheme.
• Step 2: The window will show the screen that is the home page of the scheme.
• Step 3: Click on the Registration Option given on the right most corner of the website.
• Step 4: A new page will open on the screen.
• Step 5: You will find a application form, Just filled the application form as directed.
• Step 6: Upload the required documents, as suggested.
• Step 7: After Successful registration login with details, and fill the application form
• Step 8: Click the submit button and application is done.
• Step 9: You can also follow the YouTube Link to understand , how to apply.

Conclusion

The Mo Ghara scheme stands as a significant initiative by the Odisha Government to provide affordable housing assistance to rural communities. By offering financial aid, the scheme empowers eligible households to upgrade their living conditions, fostering overall socio-economic development. This comprehensive scheme brings hope and positive change to rural areas, ensuring that every individual has the opportunity to live in safe and secure housing. Through the Mo Ghara scheme, Odisha takes a commendable step towards a more inclusive and prosperous future for its rural population.

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