“Mo Ghara Yojana”: Crafting Dreams into Concrete Realities


Building Homes, Fostering Dreams

In the heart of housing initiatives, “Mo Ghara Yojana” emerges as a beacon for those aspiring to own a home. This comprehensive exploration aims to shed light on the nuances of the scheme, unraveling its objectives, eligibility criteria, and the envisioned impact on transforming housing dreams into tangible abodes.

1. Unveiling the Purpose: Objectives of Mo Ghara Yojana

Affordable Housing for All: At its core, Mo Ghara Yojana is designed with the mission of providing affordable housing solutions for all segments of society. The scheme envisions bridging the gap between housing aspirations and the means to fulfill them.

Eradicating Homelessness: A key objective is to contribute to the national goal of eradicating homelessness by facilitating the construction and ownership of houses, ensuring that every citizen has a place to call home.

2. Step-by-Step Guide: Navigating the Mo Ghara Yojana Journey

Registration Process: Embarking on the Mo Ghara Yojana journey initiates with the registration process. Eligible applicants can register through an online portal, streamlining the application process and ensuring inclusivity.

Verification and Documentation: Following registration, a meticulous verification process ensues, validating the details provided by applicants. This step is crucial in ensuring transparency and adherence to the eligibility criteria.

Financial Assistance: Once verified, eligible beneficiaries receive financial assistance tailored to their housing needs. The scheme often incorporates subsidies or low-interest loans to make homeownership financially viable.

Construction and Monitoring: Beneficiaries, armed with financial support, engage in the construction phase of their homes. Mo Ghara Yojana ensures that the construction adheres to quality standards, with periodic monitoring to guarantee compliance.

3. Eligibility Criteria: The Gateway to Homeownership

Income Criteria: Mo Ghara Yojana typically considers the income level of applicants to determine eligibility. This criterion ensures that those in need receive the necessary support, aligning with the overarching goal of inclusivity.

Residency Status: Applicants are often required to be residents of the state or region where the scheme is implemented. This criterion not only safeguards the interests of the local population but also fosters a sense of community.

4. Charting Success: Visualizing the Impact of Mo Ghara Yojana

Key Metrics Description
Number of Beneficiaries Reflects the outreach and success of Mo Ghara Yojana, indicating the number of families benefiting from the scheme.
Housing Completion Rate Measures the efficiency of the scheme by tracking the rate at which housing projects are completed and occupied.
Social and Economic Impact Assesses the broader impact on society, including improvements in quality of life, economic stability, and community development.


Scheme Name Mo Ghara Yojana (Odisha) 2023
Lunch State Odisha
Lunched By Odisha CM (Naveen Patnaik)
Lunch Year 2023
Beneficiaries Odisha poor families who are looking for a home loan.
Purpose Provide Housing Loan to Odisha state poor families
Scheme Eligibility Family Income less than 25000/-pm
Loan Amount up to 3 lakhs
Repayment in Years 10
Apply from 16 June 2023
Application Last date Continuing ( Last date Not Declared now)
Application Mode Online Only
Slabs 1L, 1.5L, 2L, 3L
Total Budget More than 2k Crore
Post Type Sarkari Yojana
Official website rhodisha.gov.in
Helpline Number 155335 or 0674-6817777

Mo Ghara Yojana 2023 Documents Details

  • Aadhar Card
  • Income Proof
  • Voter ID card
  • Bonafide Certificate
  • Caste Certificate
  • EWS Certificate
  • BPL Certificate
  • Bank Passbook

Important Date | 

  • Starting date for online registration of the application form is 16.06.2023

How to Apply for Mo Ghara Yojana 2023 Odisha Application Form

  • At first you have to visit the Official Website of mo ghara Odisha i.e “rhodisha.gov.in/moghara”.
  • Then enter your Aadhar card number and click on the submit button. Now you will be redirected you a new page.
  • Now you can proceed with the further online application process. Here you have to enter your personal details like your name, address, date of birth, mobile number, bank account number, pan card, caste category, etc.
  • After fill up the application form and your application will be submitted in the online portal.
  • You can also take the services of Mo-Seva Kendra may be utilized by the applicant for filling of the application and for tracking the status of loan application.

5. Future Prospects: Envisioning the Legacy of Mo Ghara Yojana

Continued Expansion: As Mo Ghara Yojana progresses, it holds the potential for expansion to encompass a larger demographic, addressing the evolving housing needs of the population.

Sustainable Practices: The future may witness an integration of sustainable practices in housing construction under Mo Ghara Yojana, aligning with global efforts towards eco-friendly living.

Features and Benefits of Mo Ghara Yojana Odisha

Some of the key Features and Benefits of Mo Ghara Yojana Odisha

  • Pucca housing is provided to the rural poor, raising their standard of living
  • It reduces the vulnerability of the poor in rural areas to disasters
  • It helps the rural poor feel more deserving of their dignity
  • It helps the economic growth of rural communities
  • A beneficiary of the program may obtain a housing loan up to Rs. 3 lakh, which may be repaid over the course of 10 years with the exception of a one-year moratorium period in convenient payments.
  • The four loan amount slabs are Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakh, and Rs. 3 lakh, respectively, according to the Cabinet notification.
  • Those with monthly incomes below 25,000 rupees and those who have previously received housing aid totaling 70,000 rupees or less may be eligible for a loan under the Mo Ghara program.

Mo Ghara Yojana Odisha Loan Subsidy Amount

Loan Amount Subsidy Provided
1 lakh 30,000 Rupees
1.5 lakh 45,000 Rupees
2 lakh 60,000 Rupees
3 lakh 60,000 Rupees


Weaving Dreams into Bricks and Mortar with Mo Ghara Yojana

Mo Ghara Yojana stands as a testament to the government’s commitment to providing affordable housing solutions and fostering homeownership dreams. The step-by-step guide, eligibility criteria, impact metrics, and future prospects provide a holistic understanding of the scheme’s significance. As Mo Ghara Yojana unfolds, it symbolizes the transformation of aspirations into concrete realities, building not just homes but also a foundation for a brighter and more secure future for countless families.

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