Government Schemes in Jammu & Kashmir

Collateral-free MSE loans upto Rs 5 crore

Benefit: Up to Rs 5,00,00,000

Ministry of MSME

Loan Rs 10 lakh to Rs 1 crore for SC/ST/Women

Benefit: Up to Rs 1,00,00,000

Ministry of Finance / DFS

Up to Rs 50 lakh seed funding

Benefit: Up to Rs 50,00,000

DPIIT

8.2% interest, deposit up to Rs 30 lakh

Benefit: Up to Rs 30,00,000

Ministry of Finance

Collateral-free business loan upto Rs 20 lakh

Benefit: Up to Rs 20,00,000

Ministry of Finance

Assured 7.4% return for 10 years

Benefit: Up to Rs 15,00,000

Ministry of Finance / LIC

Collateral-free loan Rs 10 lakh + 3% subvention

Benefit: Up to Rs 10,00,000

Ministry of Education

Rs 5 lakh/family/year cashless health cover

Benefit: Up to Rs 5,00,000

Ministry of Health & Family Welfare

Rs 5 lakh health cover for all 70+

Benefit: Up to Rs 5,00,000

Ministry of Health & Family Welfare

60% subsidy + 30% loan for solar pumps

Benefit: Up to Rs 5,00,000

Ministry of New & Renewable Energy

Loan up to Rs 3 lakh at effective 4% interest

Benefit: Up to Rs 3,00,000

Ministry of Agriculture & Farmers Welfare

Rs 15K toolkit + Rs 3L loan at 5% for artisans

Benefit: Up to Rs 3,00,000

Ministry of MSME

Subsidy up to Rs 2.67 lakh on home loan

Benefit: Up to Rs 2,67,000

Ministry of Housing and Urban Affairs

e-Shram card + Rs 2 lakh accident cover

Benefit: Up to Rs 2,00,000

Ministry of Labour & Employment

7.5% interest, 2-year deposit up to Rs 2 lakh

Benefit: Up to Rs 2,00,000

Ministry of Finance

Scholarships from Rs 1,000 to Rs 2 lakh/year

Benefit: Up to Rs 2,00,000

Ministry of Electronics & IT

Rs 2 lakh life cover at Rs 436/year

Benefit: Up to Rs 2,00,000

Ministry of Finance

Rs 2 lakh accident cover at Rs 20/year

Benefit: Up to Rs 2,00,000

Ministry of Finance

Crop insurance at 1.5-2% premium (5% for horticulture)

Benefit: Up to Rs 2,00,000

Ministry of Agriculture & Farmers Welfare

7.1% tax-free, 15-year lock-in, EEE status

Benefit: Up to Rs 1,50,000

Ministry of Finance

8.2% tax-free interest, Rs 1.5 lakh/year deposit

Benefit: Up to Rs 1,50,000

Ministry of Finance

Rs 1.2-1.3 lakh for pucca rural house

Benefit: Up to Rs 1,30,000

Ministry of Rural Development

Up to Rs 1.25 lakh/year for premier institutes

Benefit: Up to Rs 1,25,000

Ministry of Social Justice & Empowerment

Full fee + Rs 230-1200/month allowance

Benefit: Up to Rs 1,20,000

Ministry of Social Justice & Empowerment

Rs 80,000/year for 5 years to science students

Benefit: Up to Rs 80,000

Department of Science & Technology

Upto Rs 78,000 subsidy + 300 units free power

Benefit: Up to Rs 78,000

Ministry of New & Renewable Energy

Rs 5000/month stipend + Rs 6000 grant (12 months)

Benefit: Up to Rs 66,000

Ministry of Corporate Affairs

Rs 1,000-5,000/month pension after 60

Benefit: Up to Rs 60,000

Ministry of Finance

Free assistive devices (wheelchair, hearing aid etc)

Benefit: Up to Rs 50,000

Department of Empowerment of Persons with Disabilities

Rs 50,000 per hectare over 3 years for organic farming

Benefit: Up to Rs 50,000

Ministry of Agriculture & Farmers Welfare

Rs 10K-50K collateral-free loan + 7% subsidy

Benefit: Up to Rs 50,000

Ministry of Housing and Urban Affairs

100 days guaranteed wage employment/year

Benefit: Up to Rs 38,000

Ministry of Rural Development

Rs 3,000/month pension after age 60

Benefit: Up to Rs 36,000

Ministry of Agriculture & Farmers Welfare

Rs 3,000/month pension after age 60

Benefit: Up to Rs 36,000

Ministry of Labour & Employment

Free training + Rs 1-3K stipend + placement

Benefit: Up to Rs 36,000

Ministry of Social Justice & Empowerment

Rs 15-25K revolving fund + 4% loan for SHGs

Benefit: Up to Rs 25,000

Ministry of Rural Development

Rs 10,000-20,000/year merit scholarship

Benefit: Up to Rs 20,000

Ministry of Education

Rs 20,000 one-time on breadwinner death

Benefit: Up to Rs 20,000

Ministry of Rural Development

Monthly pensions Rs 200-500 + Rs 20K NFBS

Benefit: Up to Rs 20,000

Ministry of Rural Development

25% of stipend (max Rs 1500/month) reimbursed

Benefit: Up to Rs 18,000

Ministry of Skill Development & Entrepreneurship

Rs 12,000/year (Rs 1,000/month)

Benefit: Up to Rs 12,000

Ministry of Education

Rs 5,000 for 1st child + Rs 6,000 for 2nd girl

Benefit: Up to Rs 11,000

Ministry of Women & Child Development

Zero-balance account + Rs 10K overdraft

Benefit: Up to Rs 10,000

Ministry of Finance / DFS

Free skill training + certificate + placement

Benefit: Up to Rs 8,000

Ministry of Skill Development & Entrepreneurship

Rs 200-500/month pension for BPL seniors

Benefit: Up to Rs 6,000

Ministry of Rural Development

Rs 6,000/year (Rs 2,000 x 3) direct bank transfer

Benefit: Up to Rs 6,000

Ministry of Agriculture & Farmers Welfare

Free LPG connection + Rs 300 subsidy per refill

Benefit: Up to Rs 1,600

Ministry of Petroleum & Natural Gas

Rs 600-1,400 cash for institutional delivery

Benefit: Up to Rs 1,400

Ministry of Health & Family Welfare

Free ABHA health ID + digital health records

Ministry of Health & Family Welfare

Awareness, protection & education support for girls

Ministry of Women & Child Development

Pension + education + maternity + medical benefits

Ministry of Labour & Employment

Free skilling + placement for rural youth

Ministry of Rural Development

Online trading of farm produce, better prices

Ministry of Agriculture & Farmers Welfare

12% retirement savings + 8.25% interest + EPS

Ministry of Labour & Employment

Full medical + 70% wages sickness benefit

Ministry of Labour & Employment

One-Stop Centers, Shakti Sadan, Sakhi Niwas

Ministry of Women & Child Development

50-80% subsidy on ZED certification fees

Ministry of MSME

Extra Rs 50K tax deduction under 80CCD(1B)

PFRDA / Ministry of Finance

PDS rice/wheat at any FPS across India

Ministry of Consumer Affairs, Food & PD

Free hot meal daily (450-700 kcal)

Ministry of Education

Free nutrition & pre-school for 0-6 years

Ministry of Women & Child Development

Free soil health card with fertilizer advisory

Ministry of Agriculture & Farmers Welfare

Shelter + rehab + vocational training

Ministry of Women & Child Development

Free MSME registration, unlocks 40+ benefits

Ministry of MSME