If you live in Odisha and want help to build or repair your home, Mo Ghara Yojana 2025 is a great choice for you. This housing scheme by the Odisha Government supports poorer families who missed out on earlier programs. It offers loans to those who need financial help to own a pucca house in rural areas.
Overview of Mo Ghara Yojana Odisha 2025
Mo Ghara Yojana Odisha is a government plan started under Chief Minister Naveen Patnaik’s leadership to provide affordable housing loans to lower and lower-middle-class families in rural parts of the state. The scheme helps families who were left out of other housing plans due to strict rules or limited funding. It also supports those who received smaller housing aid before but want to improve their homes.
The scheme is fully funded by the Odisha state budget and offers credit-linked loans. Applications for these loans started from June 15, 2024, and the plan continues into 2025 and beyond. It is one of the 18 important schemes by the Odisha Government supporting rural development and housing.
Main Highlights of Mo Ghara Yojana Odisha 2025
| Name | Mo Ghara Yojana Odisha |
| Launched by | Naveen Patnaik Government |
| State | Odisha |
| Beneficiaries | Rural Lower and Lower-Middle Class Families |
| Maximum Loan Amount | ₹3,00,000 |
| Official Website | https://rhodisha.gov.in/moghara/ |
Purpose of Mo Ghara Yojana Odisha
This scheme aims to help poor families in rural Odisha who want better houses but couldnt get support from earlier programs. It fills gaps by offering loans to those with low incomes to build or upgrade homes, helping to improve living standards and protect against disasters.
Benefits and Features
- Provides pucca housing to rural poor, improving their quality of life.
- Reduces risks poor families face during natural disasters.
- Raises dignity and confidence of rural families through home ownership.
- Boosts economic growth in rural areas.
- Loans up to ₹3 lakh with flexible repayment over 10 years, including 1 year moratorium.
- Four loan options: ₹1 lakh, ₹1.5 lakh, ₹2 lakh, and ₹3 lakh.
- Monthly family income must be below ₹25,000.
- Supports families who received housing aid below ₹70,000 before.
Loan Subsidy Details under Mo Ghara Yojana 2025
| Loan Amount | Subsidy Provided |
|---|---|
| ₹1,00,000 | ₹30,000 |
| ₹1,50,000 | ₹45,000 |
| ₹2,00,000 | ₹60,000 |
| ₹3,00,000 | ₹60,000 |
Who Can Apply? Eligibility Criteria
- Must be a permanent resident of Odisha.
- Should not own a pucca house and currently live in a kuccha (non-pucca) house.
- Belong to Economically Weaker Section (EWS).
- Family income must be less than ₹25,000 per month.
- Should not have received government housing aid before.
Documents Required to Apply
- Passport size photograph
- Aadhaar Card
- Voter ID Card
- Address proof
- Identification proof
- Residence certificate
- Bonafide certificate
- BPL (Below Poverty Line) certificate
- EWS certificate
How to Apply Online for Mo Ghara Yojana Odisha
- Visit the official Mo Ghara Yojana website.
- On the homepage, click on the ‘Registration’ option.
- A new page with the application form will open.
- Fill in all required details like Name, Email ID, Mobile Number, and Address.
- Upload all the needed documents.
- Complete registration and log in with your credentials.
- Fill out the detailed application form carefully.
- Submit the form to finish your application.
Need Help? Contact Information
- Toll-Free Number: 0674-6817777
Frequently Asked Questions (FAQs)
What is Mo Ghara Yojana?
Mo Ghara Yojana is a housing loan scheme by the Odisha Government helping low-income families get pucca homes or improve their current homes.
What benefits does this scheme offer?
It offers housing loans up to ₹3 lakh which can be paid back over 10 years without any down payment, helping families own or upgrade homes more easily.
Who is eligible for the Mo Ghara Yojana?
Permanent residents of Odisha who live in kuccha houses, belong to the EWS category, have a monthly income below ₹25,000, and have not received government housing aid earlier.