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Mo Ghara Yojana Odisha 2024 – Online Apply Here @moghara.odisha.gov.in

Mo Ghara Yojana Odisha 2024: The Mo Ghara Yojana, introduced by the Odisha government, aims to support economically disadvantaged populations in the state. Under this scheme, recipients can borrow up to Rs. 3 lakhs with a 10-year repayment period. This initiative enables beneficiaries to purchase a home and alleviates the burden of high rent. If you are looking for an affordable housing program and reside in Odisha, you can apply for this Yojana. The scheme offers various options, including no down payment and higher EMIs. It is exclusively available to households from lower socioeconomic categories. Continue reading for more information.

Overview of Mo Ghara Yojana Odisha 2024

Scheme nameMo Ghara pension Yojana Odisha
Launched byThe state government of Odisha
BeneficiariesResidents of Odisha who need a home or upgrade
Application modeBoth offline and online
Official websiteMo Ghara Odisha Portal  

Objectives Of Mo Ghara Yojana Odisha 2024

The primary objective of the Mo Ghara Yojana in Odisha is to provide the people of Odisha with the opportunity to purchase their own homes. The State Government is committed to the goal of “Pucca House for All.” Since 2014-15, the State has provided over 3 million houses through various programs. This scheme aims to offer sufficient financial assistance to enable rural households to construct reasonably sized pucca houses. Beneficiaries can receive a housing loan of up to Rs. 3 lakhs, with a one-year moratorium and a ten-year repayment period. Additionally, beneficiaries may be eligible for assistance under various programs for rural electricity, drinking water, sanitation, and other services.

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Eligibility Criteria

  • Individuals living in a pucca house with two or more rooms covered by an RCC roof.
  • Households that previously received housing assistance of at least Rs. 70,000 through one of the rural housing schemes.
  • Families with a monthly income of at least Rs. 25,000.
  • Owners of a non-commercial four-wheeled motor vehicle.
  • Households where any member works regularly for the government or a PSU or receives a monthly pension from them for their service.
  • Possession of either five acres or more of irrigated land or fifteen acres or more of unirrigated land.

Financial Assistance

  • Program participants are eligible for a housing loan of up to Rs. 3 lakhs, which can be repaid over ten years with a one-year grace period in convenient installments.
  • According to the Cabinet notification, the loan amount slabs are as follows: Rs. 1 lakh, Rs. 1.5 lakhs, Rs. 2 lakhs, and Rs. 3 lakhs.
  • Individuals who have previously received housing aid totaling Rs. 70,000 or less, as well as those with monthly incomes under Rs. 25,000, may qualify for a loan under the Mo Ghara program.

Documents Required

  • Aadhaar card
  • KYC documentation (MGNREGA job card, PAN card, or voter card)
  • Record of Rights (RoR) under the applicant’s name
  • Salary slips from the employer or an income certificate from the Tahsildar
  • Caste certificate if applicable (for SC or ST)
  • PwD certification if the applicant is both a person with a disability (PwD) and the head of the family

Mo Ghara Yojana Odisha 2024 Loan Amount

Loan AmountSubsidy Provided
1 lakh30,000 Rupees
1.5 lakh45,000 Rupees
2 lakhs60,000 Rupees
3 lakhs60,000 Rupees
Subsidy Calculation

If the housing loan interest rate charged by a bank is 9%, the EMI will be calculated as follows:
Effective Principal after 1 year @ 9% Interest
EMI @ 9% rate of interest for 10 years (in Rs.)
The actual EMI will vary from bank to bank depending on their interest rates.

Application Submission:
A specific website will be established to facilitate the receipt of applications.
Interested households can apply online at rhodisha.gov.in/moghara by completing the form found in Annexure-A.
Applicants can use Mo-Seva Kendra’s services to file an application and monitor the progress of a loan application.

Eligibility Verification:
After receiving the application, the relevant Block Development Officer (BDO) will check the applicant’s eligibility using the checklist in Annexure-B and upload the results to the special website.
Block workers will use the “Ama Ghara” mobile app to geotag the planned construction site and the current residence.

Plan and Estimate Preparation:
Block will assist the applicant with the estimate and plan preparation.
The responsible Junior Engineer (J.E.) of the concerned Gram Panchayat (GP) will prepare the plan and estimate in consultation with the applicant, according to the standard specified in Annexure-C.
The applicant is free to enlist the assistance of any other qualified individual in creating their estimate and plan.

Approval Process:
Under this scheme, the BDO/Assistant Executive Engineer (AEE) is designated as the approving authority for the plan and estimate.
Before supporting the bank application, Block will upload the approved plan and estimate to the online portal.

Contact details

  • Toll Free: 0674-6817777
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How To Online Apply For Mo GharaGhara Yojana 2024

Application Process

Visit the Official Website

  • Go to the official Mo Ghara website of the Mo Ghara Yojana Odisha by searching for it online.

Homepage Navigation

  • Once on the homepage, click on the Registration option.

Fill the Application Form

  • A new page will open with the application form.
  • Fill in all the required details such as Name, Email ID, Mobile Number, Address, etc.

Upload Documents

  • Upload all the required documents carefully to avoid errors.

Registration and Login

  • After successful registration, log in with the details provided during registration.

Complete Application

  • Enter details in the application form.

Submit Application

  • Click on the Submit button to complete the application process.
  • Your application form will be submitted successfully.


1. What is the Mo Ghara Yojana Odisha 2024?

The Mo Ghara Yojana is a housing scheme introduced by the Odisha government to provide financial assistance to economically disadvantaged households in the state to build their own pucca houses.

2. Who is eligible to apply for the Mo Ghara Yojana 2024?

Individuals living in pucca houses with two or more rooms covered by an RCC roof, households previously benefited from housing assistance of at least Rs. 70,000 through rural housing schemes, those with a monthly income of at least Rs. 25,000, and others meeting specific criteria are eligible.

4. How can I apply for the Mo Ghara Yojana 2024?

Interested individuals can apply online at the official Mo Ghara website by filling out the application form and submitting the required documents. They can also visit Mo-Seva Kendras for assistance.

5. What documents are required for applying to the scheme?

Applicants need to submit documents such as Aadhaar card, KYC documentation (MGNREGA job card, PAN card, or voter card), RoR under the applicant’s name, salary slips or income certificate, caste certificate (if applicable), and PwD certification (if applicable).

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