Enhancing Rural Livelihoods: Mo Ghara Scheme in Odisha

The Mo Ghara Scheme, initiated by the Department of Panchayati Raj & Drinking (Rural Housing Odisha), represents a transformative approach to improving living conditions in rural Odisha. This program is specifically designed to empower lower and lower-middle-class households by facilitating the construction, upgrading, extension, or completion of their homes through accessible housing loans. Here, we provide a detailed exploration of the scheme, outlining its eligibility criteria, application process, and the substantial benefits it offers to the rural communities of Odisha.

Overview of the Mo Ghara Scheme

Mo Ghara, translating to “My Home” in Odia, is more than just a government initiative; it’s a lifeline for many families dreaming of a stable and secure home. The scheme targets families residing in rudimentary housing conditions and offers financial assistance to bridge the gap between their housing needs and financial capabilities.

Eligibility Criteria for Mo Ghara Scheme

To qualify for the Mo Ghara Scheme, applicants must meet the following conditions:

  • Reside in a kutcha house or a one-room pucca house with an RCC roof.
  • Have not previously availed government housing assistance above Rs.70,000.
  • Have a monthly family income below Rs.25,000.
  • Do not own a non-commercial motorized four-wheeler.
  • Have no household members who are regular government or PSU employees or pensioners.
  • Own less than 5 acres of irrigated land or 15 acres of non-irrigated land.

These criteria ensure that the assistance reaches those who need it most, preventing misuse and optimizing resource allocation.

Application Process for the Mo Ghara Scheme

The application process for Mo Ghara is streamlined and user-friendly, designed to ensure that even the most remote households can apply with ease. Here’s a step-by-step guide to applying:

  1. Official Website Access: Visit Mo Ghara’s official website to start the application process.
  2. Online Application: Click on the “Apply Online” button and create an account using basic personal details.
  3. Form Submission: Download, complete, and upload the application form along with necessary documents like Aadhaar card, Voter ID, address proof, and bonafide certificate.
  4. Submission through Mo-Seva Kendra: Alternatively, applicants can visit a nearby Mo-Seva Kendra for assistance in filling out and submitting the application.

Documentation Required

To ensure a smooth application process, applicants must prepare the following documents:

  • Aadhaar card for identity verification.
  • Voter ID as an additional proof of identity.
  • Address proof to confirm the location of the residence.
  • Bonafide certificate and residence certificate to establish local status.

Benefits of the Mo Ghara Scheme

The Mo Ghara Scheme not only assists in house building but also boosts local economies by creating construction jobs and increasing demand for local materials. The initiative promotes a sense of community and belonging, as beneficiaries actively participate in building their homes, often using local labor and materials.

Economic and Social Impact

By providing housing stability, the scheme helps to alleviate poverty and improve the quality of life for rural populations. It also has secondary benefits, such as improving health outcomes by providing safer, more durable living conditions, and promoting gender equality by empowering households led by women to own and manage property.


The Mo Ghara Scheme is a pivotal part of Odisha’s strategy to improve rural housing conditions and support economic development in the state. It exemplifies a targeted approach to aid, ensuring that help reaches those who need it most, while fostering community involvement and local economic growth. With its comprehensive support system and straightforward application process, Mo Ghara is setting a benchmark in rural housing initiatives in India.

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