Odisha Housing Board – Mo Ghara Yojana 2024: A Comprehensive Guide to Registration, Eligibility, and Benefits

In an effort to improve housing conditions in rural Odisha, the state government launched the Mo Ghara Yojana on May 29, 2024. This scheme is a significant initiative aimed at providing financial assistance to lower and middle-class citizens of the state, especially those who lack pucca houses or wish to repair their existing homes. In this blog, we’ll dive deep into the Mo Ghara Yojana 2024, covering its benefits, eligibility criteria, application process, and everything you need to know to apply online through the official website, rhodisha.gov.in.

Table of Contents

• Mo Ghara Yojana
• Key Highlights of Odisha Mo Ghara Yojana
• Objective of the Mo Ghara Yojana
• Benefits of Mo Ghara Yojana 2024
• Financial Assistance and Subsidy Structure
• Eligibility Criteria for Mo Ghara Yojana
• Required Documents for Mo Ghara Yojana Registration
• How to Apply for Mo Ghara Yojana 2024 Online

What is Mo Ghara Yojana?

Mo Ghara Yojana is a housing scheme initiated by the Odisha government to support the construction and repair of permanent houses (pucca houses) for citizens of rural Odisha. Under this scheme, eligible citizens can receive financial assistance ranging from ₹1 lakh to ₹3 lakh, which can be repaid in easy installments over 10 years. The scheme also provides government subsidies based on the loan amount, making it an attractive option for those in need of affordable housing solutions.

Key Highlights of Odisha Mo Ghara Yojana 2024

1. Launch Date: May 29, 2024
2. Application Start Date: June 15, 2024
3. Target Beneficiaries: Lower and middle-class citizens of rural Odisha
4. Financial Assistance: ₹1 lakh to ₹3 lakh
   Repayment Tenure: 10 years with easy installments
5. Subsidy: Subsidy based on loan amount (explained below)

Objective of the Mo Ghara Yojana

The primary aim of Mo Ghara Yojana is to improve the living conditions of economically weaker sections and middle-class citizens in Odisha. Many families in rural areas either lack proper housing or live in homes that require repairs or reconstruction. With the Mo Ghara Yojana, these citizens can build or upgrade their homes with government support. By offering financial aid and subsidies, the government ensures that citizens no longer have to compromise on their housing needs due to financial constraints.

Benefits of Mo Ghara Yojana 2024

The Mo Ghara Yojana offers several benefits to its beneficiaries:

• Financial Assistance: Eligible citizens can receive financial assistance ranging from ₹1 lakh to ₹3 lakh.
• Long Repayment Period: Beneficiaries have up to 10 years to repay the financial aid, which can be done in easy installments.
• Subsidy: Government subsidies are provided based on the loan amount, reducing the financial burden on citizens.
• Housing Improvements: Citizens who live in broken or dilapidated homes can receive financial aid to upgrade their housing.
• Elevated Living Standards: The scheme aims to uplift the standard of living for the poorer sections of society by ensuring they have proper housing.
• Inclusive Scheme: Citizens who have not benefited from previous housing schemes can apply, ensuring wide coverage.

Financial Assistance and Subsidy Structure

The financial assistance under the Mo Ghara Yojana is divided into four categories, with different subsidy levels provided for each. Here’s a breakdown:

Loan Amount	Subsidy Provided
₹1.00 lakh	₹30,000
₹1.50 lakh	₹45,000
₹2.00 lakh	₹60,000
₹3.00 lakh	₹60,000

Persons with Disabilities and SC/ST will receive an additional subsidy of Rs. 10000 (Ten Thousand). These subsidies significantly reduce the amount of money citizens need to repay, making the scheme even more attractive for eligible households.

Eligibility Criteria for Mo Ghara Yojana

To be eligible for Mo Ghara Yojana, applicants must meet the following criteria:

1. Permanent Resident: The applicant must be a permanent resident of Odisha.
2. Income Limit: The family income of the applicant should not exceed ₹25,000 per month.
3. Housing Status: The applicant should not already own a pucca house.
4. No Defaulters: The applicant should not have defaulted on any previous loans.
5. Previous Benefits: The applicant should not have availed of benefits from any other housing schemes.

These criteria ensure that only deserving individuals and families benefit from the scheme.

Required Documents for Mo Ghara Yojana Registration

To apply for the Mo Ghara Yojana, eligible citizens need to provide the following documents:

1. Aadhar Card
2. Address Proof
3. EWS Certificate (if applicable)
4. Jan Aadhar Card
5. Income Certificate
6. Bank Passbook

How to Apply for Mo Ghara Yojana 2024 Online

Follow these simple steps to register for the Mo Ghara Yojana and apply online:

• Visit the Official Website: Open the browser and go to rhodisha.gov.in.
  Register: On the homepage, click on the “Registration” option.
• Fill in Details: A registration form will appear. Enter all the required details accurately.
• Upload Documents: Upload the necessary documents as specified.
  Submit: After completing the form and uploading the documents, click on the “Submit” button.

Your application for the Mo Ghara Yojana will be successfully submitted. Make sure to keep track of your application status through the website.

The Mo Ghara Yojana 2024 is a commendable initiative by the Odisha government to address the housing needs of rural citizens. With the provision of financial aid, subsidies, and a flexible repayment structure, this scheme ensures that every eligible citizen in Odisha can achieve the dream of owning a pucca house. If you or someone you know is eligible, don’t miss out on this opportunity. Apply today through the official website, rhodisha.gov.in, and secure a better living standard for your family.

Stay updated with the latest developments about the Mo Ghara Yojana on Yojanaregistration.co.in.

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