What's New :
Join Our Open Mentorship Sessions, Register here...
UPSC Interview Guidance Program. Register here...

Mo Ghara Scheme

  • Category
    Polity & Governance
  • Published
    2nd Jun, 2023


The Odisha government launched a new programme called Mo Ghara (My Home), a credit-linked housing programme for the state's rural poor with the goal of converting all kutcha house into pucca ones.


  • Under the scheme, a beneficiary can avail housing loan of up to Rs 3 lakh that can be repaid in 10 years in easy instalments excluding one year moratorium period.
  • The state government will release capital subsidy to the loan account of the beneficiaries on completion of the house.
  • There will be four slabs of loan amount. The rates of the subsidy will be Rs 30,000 for a Rs 1 lakh loan, Rs 45,000 for Rs.1.5 lakh loan, and Rs.60, 000 for a loan amount of Rs 2 lakh and Rs 3 lakh.
  • The subsidy will be Rs.10, 000 more across slabs for those belonging to the SC/ST category and for the differently abled, said official sources.
  • The capital subsidy released to the loan accounts of the beneficiaries will result in a significant reduction in EMI for repayment and thus make the repayment more affordable.
  • A family staying in a kutcha house or one pucca room with a concrete roof is eligible to get the loan under this scheme.

Criteria: Families that have not availed of any government housing assistance or have availed assistance of below Rs.70, 000 in the past with a monthly income below Rs.25, 000 will also be eligible under the scheme.

Additional Information:

  • In addition to the Mo Ghara scheme, the state government has also approved a significant plan to revamp the Veer Surendra Sai University of Technology (VSSUT).
  • This renowned engineering institution, established in 1956 and located in Sambalpur district, will undergo a comprehensive transformation under a budget of Rs 2,000 crore.
  • The aim is to enhance the infrastructure and facilities of the university, further promoting quality education and research in the field of technology.

Verifying, please be patient.

Our Centers

DELHI (Karol Bagh)

GS SCORE, 1B, Second Floor, Pusa Road, Karol Bagh, New Delhi - 110005 (Beside Karol Bagh Metro Station Gate No. 8)

Get directions on Google Maps

BHUBANESWAR (Jaydev Vihar)

GS SCORE, Plot No.2298, Jaydev Vihar Square, Near HCG Day Care, BBSR - 751013

Get directions on Google Maps

LUCKNOW (Aliganj)

GS SCORE, 2nd Floor, B-33, Sangam Chauraha, Sector H, Aliganj, Lucknow, UP - 226024

Get directions on Google Maps

Enquire Now