Odisha Mo Ghara Yojana 2023: Registration, Benefits, and Online Application Form
Introduction:
The Odisha Mo Ghara Yojana 2023, launched by the Chief Minister Naveen Patnaik-led Odisha Government, aims to provide affordable housing solutions to families with low income or without a permanent house. Under this scheme, eligible beneficiaries can avail a Credit Linked Housing Loan of up to Rs 3 Lakhs to construct or renovate their homes. In this article, we will delve into the registration process, benefits, and online application form for the Odisha Mo Ghara Yojana 2023.
Odisha Mo Ghara Yojana 2023 Details:
The Odisha Mo Ghara Yojana 2023 is a state-level initiative to ensure housing for all citizens. It differs from the Pradhan Mantri Awas Yojana, as it has fewer requirements and facilitates easier loan disbursal. Under this scheme, eligible families with an income of less than Rs 25,000 per month and without a pucca house can apply for a loan. The government provides a loan amount of up to Rs 3 Lakhs without any processing charges. The loan is repayable over a period of 10 years, making it convenient for beneficiaries to create their own homes.
Eligibility Criteria:
To be eligible for the Odisha Mo Ghara Yojana 2023, applicants must meet the following criteria:
- The family should have an income of less than Rs 25,000 per month.
- The family should not possess a pucca house.
- Families living in kutcha houses or single concrete rooms are eligible to apply.
- Those who have already availed housing benefits of less than Rs 70,000 are also eligible.
- Citizens belonging to SC, ST, and other reserved categories can apply.
- Government employees and individuals owning four-wheelers are not eligible for the scheme.
Benefits of Odisha Mo Ghara Yojana 2023:
The Odisha Mo Ghara Yojana 2023 offers the following benefits to the beneficiaries:
- Subsidized loan: Eligible applicants can avail a housing loan of up to Rs 3 lakhs under this scheme.
- No processing fees: Banks do not charge any processing fees for providing loans under this scheme.
- Easy repayment plans: Beneficiaries are provided with convenient repayment options, reducing the burden of repayment.
- Additional subsidy for SC/ST category: SC/ST category applicants receive an extra subsidy of Rs 10,000 along with the prevailing subsidies.
Online Application Process:
To apply for the Odisha Mo Ghara Yojana 2023, follow these steps:
Visit the official website of the scheme at rhodisha.gov.in from your PC.
Look for the "Mo Ghara Yojana 2023" link and click on it.
Select the online application form or "Apply Online" link. : https://rhodisha.gov.in/moghara/loan/apply_form_loan.php
Create a user ID and password to proceed with the application form.
Fill in the required details such as name, income details, and other relevant information.
Upload the necessary documents, including income certificate, domicile certificate, land record details, caste certificate (if applicable), ration card, Aadhar card, PwD certificate (if applicable), and undertaking.
Submit the application form, print a copy for reference, and wait for approval.
After approval, approach the bank to receive the loan amount.
Documents Required:
Applicants need to keep the following documents ready while filling the online application form:
- Income certificate
- Domicile certificate
- Registry
- Land record details
- Caste certificate (if applicable)
- Ration card
- Aadhar card
- PwD certificate (if applicable)
- Undertaking
Conclusion:
The Odisha Mo Ghara Yojana 2023 is a significant initiative by the Odisha Government to provide affordable housing to families with low income or without a permanent house. By offering credit-linked housing loans and subsidies, the scheme aims to make homeownership more accessible and convenient. Eligible citizens can apply for the scheme online through the official website. Make sure to gather the required documents for a smooth application process. Take advantage of this opportunity to build a pucca house and secure a better future for your family through the Odisha Mo Ghara Yojana 2023.
Application Form:
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