The Odisha Rural Housing Department, along with the Panchayati Raj & Drinking Water Department, has introduced the MO Ghara Yojana to assist those in need of housing. This initiative primarily targets individuals who have not benefited from the Pradhan Mantri Awas Yojana (PMAY-G) due to limitations in house allocations and the eligibility criteria set by the PMAY-G scheme. Those who have applied for this rural housing scheme in Odisha can now check their beneficiary status and track their applications online via the official MO Ghara Yojana portal.
Designed to assist families living below the poverty line, the MO Ghara Yojana offers a loan of up to Rs 3 lakh, which can be repaid over a period of 10 years, providing affordable installment options with an initial moratorium period of one year. Grants are also available for the repair of housing for families classified as BPL (Below Poverty Line). The government of Odisha offers a subsidy on the loan amount, typically ranging from ₹30,000 to ₹60,000. Additionally, an extra amount of ₹10,000 is allocated for SC/ST category individuals and persons with disabilities.
MO Ghara Yojana List 2025
The MO Ghara (My Home) housing scheme was initiated by the Odisha state government to provide pucca houses (permanent houses) for people currently residing in kutcha houses (temporary houses). Applicants can track their loan application status online at the Rural Housing Odisha official website.
| Name of Scheme | MO Ghara Yojana (My Home) |
| Department | Panchayati Raj & Drinking Water Department (Government of Odisha) |
| Launched by | Government of Odisha |
| Budget | ₹2,150 crore |
| Objective of Scheme | To provide adequate financial support to construct pucca houses in rural areas. |
| Official Website | https://rhodisha.gov.in/moghara |
How to Check the MO Ghara Yojana List 2025
Follow the steps below to check the MO Ghara Yojana beneficiary list and application status:
Step 1: Visit the official website of Rural Housing Odisha at https://rhodisha.gov.in.
Step 2: On the homepage, click on the MO Ghara or My House section.
Step 3: You will be redirected to the MO Ghara Yojana portal. After successfully registering, click on "Applicant Login" and log in using your registered mobile number or Aadhar card credentials.
Step 4: To track the status of your application for the MO Ghara scheme, enter your mobile number or Aadhar card number.
How to Register for MO Ghara Yojana
To register for the MO Ghara Yojana, follow these steps:
Step 1: Visit the MO Ghara portal at https://rhodisha.gov.in/moghara.
Step 2: Click on the "Registration" section on the homepage.
Step 3: Fill in the required details, such as your district, block, gram panchayat, village, name of the applicant, father’s name, mother’s name, date of birth, gender, marital status, social class, disability status, mobile number, and Aadhar card number. Click the "Get OTP" button to proceed.
Step 4: After successful registration, you can log in to the MO Ghara Yojana portal to check your application and installment status online.
Eligibility Criteria for MO Ghara Yojana List
- Families living in kutcha houses without RCC roofs.
- Families that have not received housing assistance of Rs. 70,000 or above under any rural housing scheme from the central or state government before.
- Family monthly income should be less than ₹25,000.
- Applicants should not possess a motorized four-wheeler.
- Families should have less than 5 acres of irrigated land or 15 acres of non-irrigated land.
- Family members of the applicant should not be government employees or pensioners.
- Applicants must not be bank defaulters.
MO Ghara Yojana Loan Slabs
The MO Ghara scheme offers four loan slabs: Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakh, and Rs. 3 lakh. The government will provide capital subsidy based on the slab selected by the beneficiary. The subsidy will be disbursed after the completion of the house, depending on the principal loan amount. An additional subsidy of ₹10,000 will be given to households headed by SCs/ STs and persons with disabilities.
| S.No | Loan Amount | Subsidy |
|---|---|---|
| 1 | Rs 1 Lakh | ₹30,000 |
| 2 | Rs 1.5 Lakh | ₹45,000 |
| 3 | Rs 2 Lakh | ₹60,000 |
| 4 | Rs 3 Lakh | ₹60,000 |
Disbursement of Loan under MO Ghara Scheme Odisha
| S.No | Loan Amount | 1st Installment (after sanction) | 2nd Installment (at roof level) | 3rd Installment (after roof cast) |
|---|---|---|---|---|
| 1 | Rs 1 Lakh | Rs. 50,000 | Rs. 50,000 | - |
| 2 | Rs 1.5 Lakh | Rs. 50,000 | Rs. 50,000 | Rs. 50,000 |
| 3 | Rs 2 Lakh | Rs. 50,000 | Rs. 1,00,000 | Rs. 50,000 |
| 4 | Rs 3 Lakh | Rs. 1,00,000 | Rs. 1,00,000 | Rs. 1,00,000 |
Documents Required for MO Ghara Yojana
- Aadhaar card
- Voter ID/ PAN card/ MGNREGA Job card
- Record of Rights (RoR) in the name of the applicant
- Income certificate from Tahsildar or salary slip from the employer
- Caste certificate (if from SC or ST)
- PWD certificate if the applicant is a person with disabilities and also the head of the family
MO Ghara Yojana Helpline Number
If you have any queries regarding beneficiary status or subsidy allocation under the MO Ghara Yojana, you can contact the helpline at 155335 or 0674-6817777.
Also Read:
Pradhan Mantri Awaas Yojana Gramin List
