Bhubaneswar: The application process for the Odisha government’s Mo Ghar Yojana began on Friday to provide loans to build concrete houses so that everyone has a roof over their head.
To avail of the loan, an applicant has to provide the house record land plot, Aadhaar card, and an identity card in his/her name. Loan aspirants can register her/his name on the website https://rhodisha.gov.in/moghara. An OTP will be sent to her/his registered mobile number after registration which has to be entered correctly in the portal for successful registration.
Who is eligible for a loan under the ‘Mo Gahar’ Yojana
The following residents of Odisha are eligible for loans under the state government’s ‘Mo Ghar’ Yojana:
- If the family is living in a thatched house or a thatched roof house.
- If the family has not received any assistance from the government in the housing scheme before or has received assistance of less than Rs 70,000.
- If the monthly income of the family is less than Rs 25,000.
- If the family does not own a four-wheeler for personal use.
- If no member of the family has been a regular government employee or pensioner or a government enterprise.
- Households with less than 5 acres of irrigated land or 15 acres of non-irrigated land.
Beneficiaries of the Mo Ghar Yoganja can get a maximum bank loan of up to Rs 3 lakh and repay the loan within ten years. While people in the general category will get a Rs 30,000 subsidy, members of the ST/SC community will get a Rs 40,000 subsidy if they borrow 1 lakh. A beneficiary can avail a loan of Rs 1 lakh, Rs 1.5 lakh, Rs 2 lakh, and Rs 3 lakh.
No processing fee will be charged by the bank to the beneficiary for sanctioning the loan. The government will bear the legal advisor’s fee of Rs 1000 for the loan application. Eligible beneficiaries who were not previously included in this scheme will be involved in various schemes such as construction of toilets, electricity supply, and drinking water.
There is an outlay of Rs 2,150 crore for 2 years for 4 lakh beneficiaries under the scheme.
