<h3>Introduction</h3> <ul> <li>To ensure that no rural family in Odisha is left without a permanent roof over their head, the Government of Odisha has launched the Antyodaya Gruha Jojana (AGJ).</li> <li>'The scheme is designed to support houseless families and those living in kutcha houses by helping them build durable pucca homes.</li> <li>While the state has already been implementing the centrally sponsored <a href="https://socialwelfare.vikaspedia.in/viewcontent/social-welfare/rural-poverty-alleviation-1/schemes/pradhan-mantri-awaas-yojana-(gramin)?lgn=en" target="_blank" rel="noopener">Pradhan Mantri Awas Yojana - Gramin (PMAY-G)</a>, some deserving households were not covered due to eligibility limitations.</li> <li>To bridge this gap, the state introduced Antyodaya Gruha Jojana, ensuring that excluded low-income rural families also receive housing support.</li> <li>This scheme replaces the earlier Biju Pucca Ghar Yojana, and ongoing beneficiaries under that initiative are now covered under AGY.</li> <li>The Panchayati Raj and Drinking Water Department of Odisha acts as the nodal department for implementation.</li> <li>The core objective of this scheme is simple that every eligible rural household should have access to a safe and permanent home.</li> </ul> <h3>Benefits</h3> <ul> <li>Under Antyodaya Gruha Jojana, eligible beneficiaries receive financial assistance to construct a pucca house.</li> <li>Housing Assistance is Rs. 1,20,000 per beneficiary for house construction.</li> <li>Installment Structure of the scheme will be :- <ul> <li>Rs. 40,000 at the time of work order issuance.</li> <li>Rs. 65,000 after reaching roof level.</li> <li>Rs. 15,000 upon completion.</li> </ul> </li> <li>The amount is transferred directly to the beneficiary’s bank account through DBT (Direct Benefit Transfer).</li> <li>Minimum Construction Requirement: The house must have at least 25 square feet of carpet area, including cooking space (toilet area excluded).</li> <li>Incentives for Early Completion :- <ul> <li>Rs. 20,000 if completed within 4 months.</li> <li>Rs. 10,000 if completed within 6 months.</li> </ul> </li> <li>Additionally, landless beneficiaries may be allotted house sites by the revenue authorities.</li> </ul> <h3>Eligibility</h3> <ul> <li>Applicants must meet the following conditions to avail the benefit of Antyodaya Gruha Jojana :- <ul> <li>Must be a permanent resident of Odisha.</li> <li>Should be houseless or living in a kutcha house.</li> <li>Must belong to low-income rural households not covered under <a href="https://socialwelfare.vikaspedia.in/viewcontent/social-welfare/rural-poverty-alleviation-1/schemes/pradhan-mantri-awaas-yojana-(gramin)?lgn=en" target="_blank" rel="noopener">PMAY-G</a> or similar housing schemes.</li> </ul> </li> <li>Priority categories include :- <ul> <li>Beneficiaries under the Forest Rights Act, 2006.</li> <li>Households with a main earning member having at least 40% disability.</li> <li>Families affected by natural or man-made disasters such as floods, cyclones, earthquakes, communal violence, LWE violence, or elephant attacks.</li> <li>Families displaced due to government projects.</li> <li>Families requiring relocation due to sea inundation or forest habitation.</li> </ul> </li> </ul> <h3>Ineligibility Conditions</h3> <ul> <li>A household will not qualify for financial assistance if :- <ul> <li>They already own a pucca house.</li> <li>Any family member is a regular government/ PSU employee or pensioner.</li> <li>The household owns a four-wheeler or mechanized agricultural equipment.</li> <li>The family runs a registered non-agricultural enterprise.</li> <li>Monthly household income exceeds Rs. 15,000.</li> <li>The family owns 2.5 acres or more irrigated land or 5 acres or more non-irrigated land.</li> <li>They have already benefited from another housing scheme.</li> </ul> </li> </ul> <h3>Documents</h3> <ul> <li>During verification, beneficiaries may be asked to submit :- <ul> <li>Aadhaar Card.</li> <li>Ration Card.</li> <li>Income Certificate.</li> <li>Disability Certificate (if applicable)</li> <li>Bank Passbook.</li> <li>Passport-size photograph.</li> <li>Mobile number.</li> <li>Self-declaration.</li> </ul> </li> <li>These documents are used to confirm identity, income status, and eligibility.</li> </ul> <h3>Process to Apply</h3> <ul> <li>There is no separate application form required for Antyodaya Gruha Yojana.</li> <li>Beneficiaries are identified through a government-led survey.</li> <li>A survey is conducted to identify eligible families left out of <a href="https://socialwelfare.vikaspedia.in/viewcontent/social-welfare/rural-poverty-alleviation-1/schemes/pradhan-mantri-awaas-yojana-(gramin)?lgn=en" target="_blank" rel="noopener">PMAY-G.</a></li> <li>The Block Development Officer (BDO) verifies documents and eligibility.</li> <li>Houses are geo-tagged before sanction through the Ama Ghara Mobile App linked with the Rural Housing portal.</li> <li>The approved beneficiary list is forwarded to the concerned department for final sanction.</li> <li>Financial assistance is released in three installments directly to the beneficiary’s bank account.</li> <li>Construction must be completed within 12 months. Incentives are provided for early completion within 4 or 6 months.</li> <li>Eligible beneficiaries can check their names on the Rural Housing Odisha portal or contact their local Panchayat office for assistance.</li> <li>Through this scheme, the Odisha government aims to make sure that even the most economically vulnerable families have access to safe and permanent housing.</li> </ul> <h3>Important Links</h3> <ul> <li><a title="External website that opens in new window" href="https://rh.odisha.gov.in/guidelines/Antyodaya_Gruha_Jojana_Guideline.pdf" target="_blank" rel="noopener">Antyodaya Gruha Jojana Guidelines.</a></li> <li><a title="External website that opens in new window" href="https://rh.odisha.gov.in/" target="_blank" rel="noopener">Odisha Rural Housing Portal.</a></li> </ul> <h3>Contact</h3> <ul> <li>Toll Free Number of Rural Housing Odisha :- 0674 6817777.</li> </ul>