Odisha's Mo Ghara Yojana Explained: How To Get Rs. 3 Lakh For Your Own House?
Updated: 27-08-2025 at 6:04 PM
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To improve rural housing and living conditions, the Government of Odisha launched the Mo Ghara Yojana on 29 May 2024. This government scheme aims to support economically weaker sections by offering funds or subsidies to build or upgrade their homes. The main goal is to ensure that all families, especially in rural Odisha, can live in safe and secure houses. Keep reading to learn about the scheme’s eligibility, benefits, and step-by-step application process.
Read the article to learn more about the govt scheme, ranging from its meaning and benefits to eligibility and application process.
Read More: RERA Odisha: Guide, Function, Role, Complaints, Registration, & More
What Is The Mo Ghara Yojana?
The Government of Odisha has introduced the Mo Ghara Yojana as a support measure for rural households that are looking to build brand-new pucca houses or repair pre-existing ones. The scheme supports funds between ₹1 lakh to ₹3 lakh, and the repayment period is set around 10 years. The additional amount on the loan is subsidised as well, with the intent of easing the loads beneficiaries may encounter, making it so that one can have a respectable and safe living area.
Overview Of Mo Ghara Yojana
The table below mentions some important points about the scheme that one should know.
| Feature | Details |
|---|---|
| Launch Date | May 29, 2024 |
| Application Start Date | June 15, 2024 |
| Target Beneficiaries | Rural lower and middle-class citizens |
| Financial Assistance | ₹1 lakh to ₹3 lakh |
| Repayment Tenure | 10 years |
| Subsidy | Up to ₹60,000 (based on loan amount) |
| Official Website | rhodisha.gov.in |
Objectives
The people of Odisha require this Mo Ghara Yojana, which has been designed by the government to address the needs of the people in the rural areas. This scheme complements providing shelter by helping the families borrow money to construct or upgrade their homes. The program also provides loans for housing projects at affordable levels to people who have been excluded from a set of targeted housing projects.
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Improving Rural Housing: Extend financial assistance for the construction or upgradation of pucca houses in rural Odisha.
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Economic Empowerment: Provide affordable loans and/or subsidies to economically weaker sections to boost their living conditions.
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Inclusivity: Ensure that beneficiaries who have been left out in past housing schemes are accommodated in the Mo Ghara Yojana.
Features
To treat rural households in Odisha with equal respect and dignity, the Mo Ghara Yojana wishes to provide housing facilities by offering low-cost loans, fixed-rate housing loans, and special subsidy schemes. Furthermore, the program is equal and extends support to those who were previously excluded from the housing scheme.
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Easy Access to Loans: Loan up to ₹3 lakh with a flexible repayment period of up to 10 years.
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Subsidy Benefits: A subsidy of ₹30,000-₹60,000 for SC/ST and other disabled citizens an additional ₹10,000 can be offered.
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Flexible Repayment: EMI which fits the budget of rural households.
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Inclusive Eligibility: This government scheme is aimed at families who have not received assistance under any housing scheme before.
What Are The Benefits Of The Mo Ghara Yojana?
The Mo Ghara Yojana provides support to rural families in Odisha to improve their living conditions. It offers financial help and grants for building new houses or repairing existing ones, making the process more affordable. The scheme also prioritises marginalised groups to ensure they receive proper assistance.
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Financial Assistance: Enables eligible households to construct new / repair existing houses.
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Improved Housing Conditions: Aim at ensuring that rural families do not live in unsafe homes and have reasonably decent shelter.
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Empowerment of Sectional Communities: Attempts to uplift SC/ST communities and persons with disability by providing extra amenities.
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Subsidy Superiority: Leads to a reduction in the amount of money to be repaid in total, thereby making the scheme cheaper.
Financial Assistance and Subsidy Structure
The financial assistance and subsidies given under the Sarkari Yojana are laid out below for one’s better understanding:
| Loan Amount | Subsidy Provided | Additional Subsidy for SC/ST/Persons with Disabilities |
|---|---|---|
| ₹1 lakh | ₹30,000 | ₹10,000 |
| ₹1.5 lakh | ₹45,000 | ₹10,000 |
| ₹2 lakh | ₹60,000 | ₹10,000 |
| ₹3 lakh | ₹60,000 | ₹10,000 |
Sample EMI Calculation
In the case of a ₹2,00,000 loan with a subsidy of ₹60,000, the effective loan amount is 140,000. On a nominal interest rate with a repayment period of 10 years, the approximate EMI should range from ₹1,500 monthly.
What Is The Eligibility Criteria Of Mo Ghara Yojana?
To apply for the Mo Ghara Yojana, there are some basic conditions that applicants need to meet. The scheme ensures that only deserving families in Odisha can benefit from it. Below are the key eligibility criteria:
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Permanent Resident: Applicant must be a resident of Odisha.
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Income Limit: Monthly family income must not exceed ₹25,000.
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Housing Status: Applicant must not own a pucca house.
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Loan History: No defaults on previous loans.
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Previous Benefits: Applicant must not have availed benefits under other housing schemes.
What Is The Application Process For The Mo Ghara Yojana?
Applying for the Mo Ghara Yojana is a simple process that can be done online. You need to register, fill in the required details, and upload your documents on the official website. Follow these steps to complete your application:
Step 1: Visit the Official Website: Go to rhodisha.gov.in.
Step 2: Register: Click on the “Registration” option and create an account.
Step 3: Fill in Details: Complete the registration form with accurate information.
Step 4: Upload Documents: Attach required documents, such as Aadhaar Card, income certificate, and bank passbook.
Step 5: Submit Application: After verifying all details, click the “Submit” button.
What Are The Documents Required For The Mo Ghara Yojana?
If you wish to apply for the Moh Ghara Yojana scheme, then you will need to provide certain documents that help determine your eligibility, such as:
Conclusion
The Odisha government’s new approach introduced through the Mo Ghara Yojana aims to address the housing shortage that is observed in India’s rural regions. The government scheme provides affordable finance options, generous subsidies, and eliminates the lengthy process of applying, which makes it easy for families in rural areas to construct a home fitting for them.
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