Shri Naveen Patnaik

Hon'ble Chief Minister, Odisha

MESSAGE

“Pucca House for All” – is a commitment of the State

Government. Housing provides safety and security, a source of
ownership and identity and promotes self-esteem and
psychological satisfaction to everyone. Conversion of kuccha
houses to pucca houses continues to be the priority of my
Government.

I dedicate this 'MO GHARA' scheme to all my dear brothers and

sisters of the State who are left out to be covered under any of the
rural housing schemes.

I wish all success to the Department of Panchayati Raj & Drinking

Water for eective and fruitful implementation of the scheme
that intends to encourage the rural families of the state to have a
safe roof overhead.
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1. Background and approach

Housing is a fundamental human need, a basic requirement for human survival and
decent life. Right to life includes right to live with dignity in which housing is an
important contributor. Housing provides safety and security, a source of ownership
and identity and promotes self-esteem and psychological satisfaction.

“Pucca House for All” – is a commitment of the State Government. So far, the State
has provided more than 3 million houses under various schemes since the FY 2014-
15.

2. Objective

To provide adequate nancial support to enable Rural Households to construct

pucca houses of decent size.

3. Key features

3.1. To ensure construction/ extension/ up-gradation / completion of houses to

meet the aspiration of the lower and lower-middle households of rural Odisha.

3.1.1 Construction and extension of houses will be pucca in nature with RCC roof
only.

3.1.2 Upgradation - Replacement of existing roof by RCC Roof with ancillary work
related to roof replacement.

3.1.3 Completion - Completing the incomplete house with the RCC roof, xing
doors & windows, ooring, plastering and colouring etc.

3.2 The beneciary will avail housing loan up to Rs.3 lakh which will be repaid within 10
years excluding 1 year moratorium.

3.3 There will be 4 loan slabs of Rs.1 lakh, Rs. 1.5 Lakh, Rs. 2 lakh and Rs.3 lakh and the
beneciary can opt for any one of them.

3.4 The State Government will release capital subsidy against the principal amount to
the loan account of the beneciary after completion of house.

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3.5 Additional capital subsidy for vulnerable categories like SCs / STs and PwD
headed households.

3.6 The beneciaries can also avail support under relevant schemes of rural sanitation,
drinking water, rural electrication etc. if found eligible and not availed earlier.

4. Eligibility Criteria

All the households staying in rural Odisha will be eligible under this scheme except
the following categories of households:-

a. Those staying in the pucca house having 2 or more rooms with RCC roof.
b. Households availed housing assistance of Rs. 70,000 or above under any
Rural Housing Scheme in the past.
c. If the income of the family per month is Rs.25,000 or above.
d. Possessing a non-commercial motorized Four-Wheeler.
e. Household with any member as a regular Government / PSU employee or
drawing a monthly pension for the service period from Government / PSU.
f. Ownership of 5 acres or above of irrigated land or 15 acres or above of non-
irrigated land.

5. Definition

5.1 Definition of Family - A family consists of husband, wife and dependant members.

5.2 Definition of Pucca house – Pucca house is:

• Where both wall and roof are pucca

• Wall:- Made of material like bricks , stones etc with cement bonding
• Roof:- RCC

6. Components

The scheme will have two components-

• General
• Special

6.1 Households of SC/ ST/ PwD headed will be considered under the Special Category
and the others shall come under the General Category.

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6.2 The State Government will release capital subsidy against the principal component
of the loan amount to all the applicants in their loan account after completion of
their house.

6.3 EMI for the loan will be calculated by the bank after deducting the capital subsidy
released by the Government to the loan account of beneciaries.

6.4 Additional capital subsidy will be released to the beneciaries of Special Category
(SC/ ST/ PwD headed families).

6.5 The following subsidy amount will be available to the eligible applicants.

Subsidy by Government (Rs.)

Loan Amount
Sl.No
(Rs.) General SC/ST/PwD
headed families
1 1 Lakh 30,000 40,000
2 1.5 Lakh 45,000 55,000
3 2 Lakh 60,000 70,000
4 3 Lakh 60,000 70,000

6.6 Sample Calculation for EMI

If the housing loan interest rate charged by a bank is 9%, the EMI will be as follows

Eective EMI @ 9% rate of interest

Principal Subsidy by Government
Loan for 10 years (in Rs.)
Sl. after 1 year
Amount
No @ 9%
(Rs.) SC/ST/ PwD SC/ST/ PwD
Interest General General
headed HHs headed HHs

1 1,00,000 1,09,000 30,000 40,000 1,001 874

2 1,50,000 1,63,500 45,000 55,000 1,501 1,374

3 2,00,000 2,18,000 60,000 70,000 2,001 1,875

4 3,00,000 3,27,000 60,000 70,000 3,382 3,256

Note: The actual EMI will vary from bank to bank depending upon their interest rates.

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7. Pre-requisite for availing credit support:

7.1 The construction / up-gradation/ extension/ completion of house should be over

the land recorded only in the name of the applicant.

7.2 The recorded land will be of “Ghar Bari Kisam” in Sthitiban category.

7.3 Land with clear title will be kept under registered mortgage by the Bank.

7.4 The beneciary shall not be a defaulter with any bank.

8. Implementation Process

8.1 There will be a dedicated website for the purpose of receiving applications.

8.2 The interested households can apply online for availing credit linkage in the form
mentioned at Annexure-A (available online at https://rhodisha.gov.in/moghara)

8.3 The services of Mo-Seva Kendra may be utilized by the applicant for lling of the
application and for tracking the status of loan application.

8.4 On receipt of the application form, concerned BDO will verify the eligibility of the
applicant as per the checklist mentioned at Annexure-B and upload the ndings in
the dedicated web portal.

8.5 The existing house and proposed construction site will be geo-tagged by block
functionaries through “Ama Ghara” Mobile App.

8.6 Block will facilitate the applicant in preparing the plan and estimate. The J.E. in
charge of the concerned GP will prepare the plan and estimate as per the standard
mentioned at Annexure-C in consultation with the applicant. The applicant may
take the help of any other competent person in preparing her / his plan and
estimate.

8.7 BDO/AEE are declared as approving authority for approval of the plan and estimate
under this Scheme.

8.8 Block will upload the approved plan and estimate in the web portal prior to
sponsoring application to bank.

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8.9 BDO will sponsor the eligible applications online to the bank and branch preferred
by the applicants.
8.10 After sponsoring of applications, the concerned bank will verify the required original
documents, may conduct eld verication and will obtain opinion from legal
consultant.
8.11 The eligible applicant will be sanctioned loan by the bank. Time taken by the banks
for sanction of loan in favour of eligible applicant shall under no circumstances be
more than 30 working days from the date of sponsoring by Block.
8.12 The expenditure incurred for legal consultation maximum @ Rs. 1000 per
consultation will be reimbursed to the bank. For this purpose banks will submit a
request to Nodal Bank through the portal after completing the sanctioning process.
Banks will not charge any legal consultation fee from the applicants.
8.13 Banks will also waive the processing fee for sanction of loan.
8.14 The applicant will mortgage the land proposed for construction/ up-gradation /
extension/ completion with the bank and register the same at the concerned Sub-
Registrar Oce.
8.15 Government through appropriate Notication will waive the stamp duty and
registration fee for registration of mortgage under this scheme.

8.16 The applicant will invest a minimum 10% of loan amount as margin money in the
shape of cash or kind or labour which will be veried by the bank. This can be done in
phases depending upon the release of loan instalment.

8.17 The bank will disburse the loan amount after sanction, registration of mortgage and
margin money investment by the applicant.

8.18 Loan will be disbursed in following instalments:

Loan Amount 1st lnstalment 2nd Instalment 3rd Instalment

Rs. 1 Lakh Rs. 50,000/- Rs. 50,000/- -

after sanction after roof cast

Rs. 1.5 Lakh Rs. 50,000/- Rs. 50,000/- Rs. 50,000/-

after sanction at roof Level after roof cast

Rs. 2 Lakh Rs. 50,000/- Rs. 1,00,000/- Rs. 50,000/-

after sanction at roof Level after roof cast

Rs. 3 Lakh Rs. 1,00,000/- Rs. 1,00,000/- Rs. 1,00,000/-

after sanction at roof Level after roof cast

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8.19 The Block Sta will geo-tag the stages of construction linked with instalment
release through the Mobile App before disbursement of the instalment.

8.20 The beneciary may herself/himself geo-tag the stage of construction using the
“Ama Ghara” Mobile App to trigger the instalment release. The Block sta will verify
the geo-tagged image captured by the beneciary.

8.21 On completion of the project, the house will again be geo-tagged by Block Sta.

8.22 The State Government will release capital subsidy to the loan account of the
beneciaries through State Nodal Bank. The subsidy amount will be released after
geo-tagging of the house completed in all respect.

8.23 There will be one-year moratorium period of repayment which will start from the
day of credit of the rst instalment. The beneciary will deposit the EMI with the
concerned bank regularly after the moratorium period. However, the bank will
charge interest during such moratorium as well. Even though the interest is
chargeable from the date of 1st disbursal, the beneciary may repay the instalment
only after moratorium period.

8.24 The beneciary is at liberty to repay the loan amount earlier than the scheduled
period of 10 years. They can also opt for paying higher EMIs. The banks shall charge
no penalty for such modication in the repayment schedule for the fore-closure of
the loan.

8.25 There will be a Nodal Bank for the State for disbursement of subsidy. PR & DW
Department will release the capital subsidy to the State Nodal Bank who will
coordinate the release of subsidy to banks and to the accounts of the beneciaries.

8.26 Receiving of applications, sponsoring the same by Block to Bank, the claim of
subsidy by Bank etc. will be managed through a common web portal.

9. Source of Funding

The capital subsidy will be borne by the State Government. PR &DW

Department will make necessary budgetary provisions for this Scheme.

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10. Grievance Redressal

10.1 There shall be a grievance redressal mechanism set up at dierent levels of
administration, viz- GP, Block, District and State.
10.2 The designated Block ocial for the village under the Rural Housing scheme will
facilitate the applicant in lling application, obtaining miscellaneous certicates
from the Tahasil oce and in the construction/ up-gradation/ extension/
completion of her/his house.
10.3 The Panchayat Executive Ocers will ensure the disposal of grievances to the
satisfaction of complainant.
10.4 BDO with the assistance of Block PMUs set up under the RH scheme will redress the
grievance of the applicants.
10.5 The Call Centre of the RH scheme set up at the District and State will interact
telephonically with applicants on a daily basis and obtain their feedback.
10.6 The grievances received at State or District levels will be forwarded to the respective
Block for taking appropriate action within 7 days.
10.7 The applicant will be informed about status of their application starting from
registration to disbursement of instalment/ subsidy through text messages
delivered to her/ his registered mobile number. The same will also be available in
their login account in the web portal.
10.8 The applicant can inform her/ his grievances with the Call Centre of the District/
State which will be registered and forwarded to the respective Block for redressal.
10.9 There will be a feature in the RH portal for grievance redressal and the applicant can
herself / himself register the grievance in the portal or may take the help of Mo Seva
Kendra for registering the same. The grievances so received will be duly enquired
and the ndings will be displayed to the applicant in the RH portal.
11. E-governance
11.1 Program implementation & monitoring will be executed in an end-to-end
e-governance model. There will be two systems of e-governance-based delivery in
the schemes, i.e.

• MIS :- RH portal
• Mobile Application :- Ama Ghara Mobile App

11.2 RH Portal
The portal is currently hosted in the URL : https://rhodisha.gov.in/moghara

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11.3 Functions handled by various users on RH portal/ Ama Ghara mobile app:

Functions handled through “RH portal”/ “Ama Ghara”

Sl. No. User Level
Mobile App

1 Applicant • Registration and ling of application through the URL

https://rhodisha.gov.in/moghara.
• Entering Aadhaar number and mobile number along
with personal detail for registration.
• Using her/his own Aadhaar/ registered mobile number as
the user ID for ling the application.
• Uploading the following documents during application
ling:
(a) Aadhaar card.
(b) KYC document (Voter card/ PAN card/ MGNREGA
Job card).
(c) RoR in the name of applicant.
(d) Income certicate from Tahsildar/ Salary Slip from
Employer.
(e) Caste Certicate, if belongs to ST or SC.
(f ) PwD certicate if the applicant is PwD and also
head of the family.
• After disbursement of 1st instalment claiming release of
next instalment upon reaching the desired stage of
construction.

2 Block • Verifying from the Block database if the applicant has

been sanctioned housing assistance earlier and
entering the same in the portal.
• Uploading eld verication report.
• Geo-tagging the existing & proposed site of
construction through Ama Ghara App.
• Verifying the image captured through the mobile
app in the RH portal.
• Uploading plan & estimate approved by BDO/ AEE.
• Sponsoring the eligible application to Bank.
• Geo tagging through “Ama Ghara” mobile app the
stages of house construction linked with instalment
and recommending for release of subsequent
instalment to the Bank.

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• Geo tagging of the houses after completion in all respect

and recommending for release of nal capital subsidy.

3 Loan • Allotting the date & time for document verication to the
sanctioning applicant and updating the nding of the document
Bank verication in RH portal.
• Allotting eld verication date and entering the nding of
the eld verication.
• Entering the nding of the legal opinion.
• After sanctioning of loan, updating the sanction detail in
the RH portal.
• Allotting the date & time for documentation with the
applicant and updating the status of the documentation
process.
• After disbursing the loan amount to the applicant in
phased manner, updating the same in RH portal.
• The Bank sta may geo tag the stage of construction
linked with instalment through Ama Ghara Mobile App
before disbursement of the next instalment.
• Submitting claim proposal for legal opinion fees and
capital subsidy to the Nodal bank.
• Entering release of subsidy to the applicant's loan account
after receiving fund from Nodal bank.

4 Nodal Bank • Entering claim proposal for release of subsidy by the PR &
DW Department.
• Entering details of subsidy released to various banks/
branches.

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12. Roles and Responsibilities of other Departments

1 Revenue & • To issue suitable instruction to eld ocers for quick

Disaster issuance of Miscellaneous Certicates like Caste
Management Certicate, Income Certicate etc.
Department • To ensure early mutation and conversion of land
belonging to applicants.
• To waive o stamp duties and registration fees required
during registration of equitable mortgage for the
applicant.
• To waive o charges for Encumbrance certicate and
certied copy of title deed.

2 Finance • To standardize legal consultation fees for sanction of loan

Department to maximum Rs.1000/-, which will be reimbursed by the
Government.
3 Electronics & • To x a uniform rate which Mo-Seva Kendras will charge
Information for submission of loan application.
Technology
Department

13. Monitoring
13.1 PR & DW Department / SLBC will monitor and review the progress of sanction and
disbursement of loan from time to time.
13.2 The District Collector has a pivotal role to play for the success of this scheme. She/he
will ensure document verication by the bank and registration of the mortgage in a
camp mode. The performance of Block, Revenue Authorities and Banks will be
reviewed by District Collector on a regular basis.
13.3 The BDO at the Block level will convene meetings of sponsoring banks on a monthly
basis to assist banks in addressing the hindrance of loan sanction and completion of
houses.

14. Audit
14.1 The expenditure under this scheme will be audited every year through Chartered
accountant selected by the PR & DW Department.

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14.2 This scheme fund will be open to audit by the AG as well as by the internal audit wing
of the PR & DW Department.
15. Social Audit
15.1 The scheme will be open to Social Audit involving public vigilance and verication of
implementation of the scheme.
15.2 Odisha Society for Social Audit, Accountability & Transparency (OSSAAT) will
conduct Social Audit of this scheme.

16. 5T Charter / Mo-Sarkar

The scheme has been formulated under the board charter of 5 'T's of the
Government. Further, this scheme will also be covered under “Mo-Sarkar” platform
for eective implementation.

17. Miscellaneous

Panchayati Raj & Drinking Water Department / SLBC shall be responsible for
clarifying doubts, if any, and to ensure that bottlenecks in the implementation of the
scheme are removed as expeditiously as possible and communicated to all
concerned as and when required.

ORDER

It is ordered that this Notication be published in the Extra Ordinary Gazette of the
Government of Odisha for the general information and copy be communicated to all
the Departments of Government/Heads of Departments and other concerned.

By Order of the Governor

Sd/-
(Sushil Kumar Lohani,IAS)
Principal Secretary

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 ANNEXURE - A

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 PLAN & ESTIMATE UNDER MO GHARA SCHEME

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 MODEL PLAN FOR MO GHARA SCHEME

13'8"
W

Room Future Extension Room

11'8"

W 12'0"x10'0" 12'0"x10'0"
17'1"

D
D-1
W-1 Kitchen
5'5"

6'0"x5'0" Ver. 5'5" wide

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