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Which of the following states has launched the ‘Mo Ghara’ or ‘My Home’ scheme, with an aim to transform kutcha houses into pucca ones?
West Bengal
Chhattisgarh
Odisha
Jharkhand
Odisha
The Odisha government launched the Mo Ghara (My Home) scheme to provide credit-linked housing loans for converting kutcha houses into pucca homes.
The Mo Ghara initiative was introduced by the Odisha government to support rural families who were excluded from previous housing schemes due to stringent criteria. The scheme is fully funded by the state budget and aims to provide financial assistance to improve living standards in rural areas. Beneficiaries can avail of loans up to Rs 3 lakh, which are repayable over 10 years, excluding a one-year moratorium period. The state government also provides a capital subsidy to the loan accounts of the beneficiaries upon completion of the construction.
This scheme operates under the broader scope of the Ministry of Panchayati Raj and Drinking Water in Odisha, aligning with the constitutional directive of providing adequate housing to citizens. The initiative complements the implementation of the Pradhan Mantri Awas Yojana - Gramin (PMAY-G) at the state level.
Loan amount up to Rs 3 lakh per beneficiary
Repayment period of 10 years including a one-year moratorium
Maximum capital subsidy of Rs 70,000 for vulnerable groups
Eligibility requires a monthly family income below Rs 25,000
C is correct — The Odisha government introduced the Mo Ghara credit-linked housing scheme to help rural residents transition from kutcha to pucca houses.
Remember that 'Mo' (meaning 'My' in Odia) is a common prefix for state-led schemes in Odisha, similar to how schemes are often branded with the CM's name in other states.
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