Introduction to Odisha Mo Ghara Yojana
The Odisha government has taken a significant step towards providing affordable housing to its citizens with the implementation of the Mo Ghara Yojana. This scheme aims to offer financial assistance to low and lower-middle-class families for the construction of houses, ensuring they can overcome any financial obstacles. In this article, we will provide detailed information on how to avail the benefits of the Mo Ghara Scheme and the registration process.
Financial Assistance for Home Construction
In a recent cabinet meeting chaired by Odisha Chief Minister Naveen Patnaik, the Mo Ghara Yojana was approved. This scheme aims to provide financial aid to low and lower-middle-class families for constructing houses. It specifically focuses on those families who were left out by previous housing schemes. Under this scheme, the state government offers subsidies on loan amounts ranging from Rs. 1 lakh to Rs. 3 lakh, which will be disbursed through banks. Once the loan amount is credited to the applicant’s bank account, they can utilize it for house construction.
Objective of Mo Ghara Yojana
The primary objective of the Mo Ghara Yojana is to provide financial assistance to rural families in Odisha, thereby addressing their economic struggles and enabling them to build houses of their own.
Important Guidelines for the Scheme
To ensure a smooth implementation of the Mo Ghara Yojana, the following guidelines have been established:
1. No processing fee will be charged for sanctioning the loan from the bank.
2. The maximum legal advisor fee is fixed at Rs. 1000, set by the government.
3. Eligible beneficiaries can also avail of other rural schemes offered by the Odisha government.
4. Financial assistance will be provided to loan accounts by the Odisha State Government.
5. Repayment of the loan amount will be done through Equated Monthly Installments (EMI), depending on the loan taken.
Eligibility Criteria for Mo Ghara Yojana
To be eligible for the Mo Ghara Yojana, applicants must meet the following criteria:
1. The applicant must be a resident of Odisha.
2. Currently living in a kutcha house.
3. Those who haven’t already received benefits under this scheme will be eligible.
4. The monthly family income should not exceed Rs. 25,000.
5. Families with less than 5 acres of irrigated land or less than 15 acres of unirrigated land can avail of this scheme.
6. Eligibility is limited to lower class and middle-lower class families.
Essential Documents for Odisha Mo Ghara Yojana
To apply for the Odisha Mo Ghara Yojana, applicants must possess the following documents:
1. Identity Certificate
2. Ration Card Copy
3. Domicile Certificate
4. Annual Income Certificate
5. Land Certificate
6. Bank Account
7. Mobile Number
8. Passport Size Photo
Benefits of Mo Ghara Yojana
The Mo Ghara Yojana offers several benefits to the citizens of Odisha:
1. Financial assistance is provided to rural families for building houses.
2. The subsidy amount ranges from Rs. 1,00,000 to Rs. 3,00,000, based on categories.
3. Beneficiaries can receive a maximum subsidy benefit of Rs. 70,000.
4. Loans for the scheme will be provided through banks, with repayment in installments.
5. The scheme is expected to benefit around four lakh families in the state.
6. The scheme is applicable throughout the entire state.
7. Benefits will be provided without any discrimination.
8. Applications for the Mo Ghara Yojana will be accepted through both online and offline modes.
Features of Odisha Mo Ghara Yojana
The Odisha Mo Ghara Yojana encompasses the following features:
1. Provision of financial assistance to citizens for building houses.
2. Encouraging eligible citizens to take advantage of the scheme.
3. Empowering beneficiaries to become self-dependent.
Online Registration for Odisha Mo Ghara Yojana
Citizens who wish to apply for the scheme online need to wait for the launch of the official website. Once the website is operational, applicants can apply online by following the provided link.
Mo Ghara Yojana Application Form Download
After the official website is launched, beneficiaries can download the Odisha Mo Ghara Yojana Application Form. The form must be filled with accurate information and accompanied by the required documents. Beneficiaries should submit the form to the designated bank.
Mo Ghara Yojana – Beneficiary List
Once the official website is in place, beneficiaries can access the Mo Ghara Yojana’s Beneficiary List on the homepage. By providing district and taluka details, applicants can search for their names and download the list for future reference.
Mo Ghara Scheme – Helpline Number
For any queries or assistance regarding the Mo Ghara Scheme, beneficiaries can contact the helpline number 0674 – 6817777, which is available in English.