🏔️ Jammu & Kashmir Government Schemes
जम्मू और कश्मीर • Capital: Srinagar / Jammu • Population: 1.4 Cr • 11+ schemes
| State | Jammu & Kashmir (जम्मू और कश्मीर) |
| Capital | Srinagar / Jammu |
| Population | 1.4 Cr |
| Total Schemes Listed | 11+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Jammu & Kashmir State Government Schemes
👩 Women
🔥 PopularUpdated May 2026
J&K Tejaswini Scheme 2026 — ₹10,000 Revolving Fund for Rural Women SHGs
✅ ₹10,000 Revolving Fund per SHG + market linkage…View Details →
🏠 Housing
Updated May 2026
J&K Housing Scheme 2026 — PM Awas + State Housing for Migrants & EWS Families
✅ PMAY-G: up to ₹1.3–1.5 lakh housing grant (+…View Details →
🏥 Health
🔥 PopularUpdated May 2026
J&K SEHAT Health Insurance Scheme 2026 — ₹5 Lakh Free Health Cover for All Families | pmjay.gov.in/jksehat
✅ ₹5 lakh per family per year free cashless…View Details →
📚 Education
🔥 PopularUpdated May 2026
PM Special Scholarship Scheme (PMSSS) for J&K & Ladakh Students 2026 — ₹1 Lakh Academic + ₹1 Lakh Maintenance
✅ Academic Fee (₹30K-₹3L/year) + Maintenance ₹1 lakh/year (₹10,000/month)…View Details →
👩 Women
Updated Jun 2026
J&K Umeed Programme 2026 — SHG Formation + Micro-Enterprise Loans + Skill Training for Rural Women
✅ CIF ₹50K + bank credit ₹3L @ 7%…View Details →
💰 Finance
🔥 PopularUpdated Jun 2026
J&K Social Security Pension 2026 — ₹1,000/Month for Senior Citizens, Widows & Disabled | J&K IGNOAPS
✅ ₹1,000-₹1,500/month pension for senior citizens, widows, and disabled…View Details →
💰 Finance
Updated Jun 2026
J&K Back to Village (B2V) Programme 2026 — Government Officers at Village Level for Grievances & Scheme Access
✅ In-village access to all J&K government schemes, certificates,…View Details →
💼 Employment
🔥 PopularUpdated Jun 2026
J&K PMEGP & J&K Self Employment Scheme 2026 — ₹25L MSME Loans + 25-35% Subsidy for J&K Youth
✅ ₹2-25L MSME loan + 25-35% subsidy (35% for…View Details →
🌾 Agriculture
🔥 PopularUpdated Jun 2026
J&K Horticulture Technology Mission 2026 — Free Apple/Walnut Plants + Cold Chain Subsidy for J&K Farmers
✅ Free improved saplings + 75% anti-hail net subsidy…View Details →
👩 Women
Updated May 2026
Jammu & Kashmir Ladli Beti Yojana 2026 — ₹1,000/Month for Girls Birth to 12th Class
✅ ₹1,000/month deposited in girl's name from birth to…View Details →
📚 Education
Updated Jun 2026
Jammu & Kashmir SC/ST/OBC Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month | scholarships.gov.in JK
✅ Full tuition fee + ₹230–₹1,200/month for SC/ST/OBC J&K…View Details →
🇮🏻 Central Government Schemes for Jammu & Kashmir Residents
All 252 central government schemes are applicable to residents of Jammu & Kashmir. The most popular schemes you can apply for right now:
💼 Employment
🔥 PopularUpdated Jun 2026
PM Vishwakarma Yojana 2026 — ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades
✅ ₹15,000 toolkit + Free skill training (₹500/day) +…View Details →
🏠 Housing
🔥 PopularUpdated May 2026
PM Awas Yojana 2026 — Pradhan Mantri Awas Yojana Gramin & Urban Subsidy
✅ PMAY-Gramin ₹1.20–1.30 lakh + PMAY-Urban CLSS interest subsidy…View Details →
🌾 Agriculture
🔥 PopularUpdated Jun 2026
PM Kisan Samman Nidhi Yojana 2026 — ₹6,000/Year to 11 Crore Farmers
✅ ₹6,000/year directly to bank account in 3 installments…View Details →
🏥 Health
🔥 PopularUpdated Jun 2026
Ayushman Bharat PM-JAY Yojana 2026 — ₹5 Lakh Free Health Insurance
✅ ₹5 lakh/year cashless hospitalisation at 30,000+ hospitals (free…View Details →
👩 Women
🔥 PopularUpdated Jun 2026
PM Ujjwala Yojana 2.0 — Free LPG Connection
✅ Free LPG connection + ₹1,600 financial assistanceView Details →
🏭 MSME & Industry
🔥 PopularUpdated Jun 2026
PM Mudra Yojana 2026 — Collateral-Free Business Loan ₹50K to ₹20 Lakh
✅ Collateral-free loan ₹50,000 to ₹20 lakh at low…View Details →
👩 Women
🔥 PopularUpdated Jun 2026
Sukanya Samriddhi Yojana 2026 — 8.2% Interest Girl Child Savings Scheme
✅ 8.2% p.a. interest + full tax exemption (80C)…View Details →
🌾 Agriculture
🔥 PopularUpdated Jun 2026
Kisan Credit Card (KCC) Scheme
✅ Crop loan at 4% interest p.a. up to…View Details →
📚 Education
🔥 PopularUpdated May 2026
National Scholarship Portal (NSP) 2026 — Apply for Central Scholarships Online
✅ Scholarships from Rs.1,000 to Rs.20,000/year depending on category…View Details →
🏗️ Infrastructure
🔥 PopularUpdated Jun 2026
PM Surya Ghar Muft Bijli Yojana 2026 — 300 Units Free Electricity
✅ 300 units free electricity/month + up to ₹78,000…View Details →
💼 Employment
🔥 PopularUpdated Jun 2026
E-Shram Card 2026 — Free Registration for Unorganized Workers
✅ ₹2 lakh accident insurance + priority in PM…View Details →
🪖 Defence
🔥 PopularUpdated May 2026
Agniveer Scheme 2026 — Agnipath Defence Recruitment, Salary & Seva Nidhi
✅ Rs.30,000 to Rs.40,000/month salary + Rs.11.71 lakh Seva…View Details →
💰 Finance
🔥 PopularUpdated Jun 2026
PM Jan Dhan Yojana 2026 — Zero Balance Bank Account + ₹2 Lakh Insurance
✅ Zero balance account + ₹2L accident insurance +…View Details →
💼 Employment
🔥 PopularUpdated May 2026
MGNREGA / NREGA Job Card 2026 — 100 दिन काम की गारंटी, ₹267/दिन मजदूरी
✅ 100 days guaranteed wage employment/year — ₹267+/day paid…View Details →
💼 Employment
🔥 PopularUpdated May 2026
PM Internship Scheme 2026 — ₹9,000/Month Stipend | 1 Crore Youth
✅ ₹9,000/month stipend + ₹6,000 one-time travel grant +…View Details →
🌾 Agriculture
🔥 PopularUpdated May 2026
PM Kisan Maandhan Yojana 2026 — ₹3,000/Month Pension for Farmers
✅ ₹3,000/month guaranteed pension after age 60 — government…View Details →
💼 Employment
🔥 PopularUpdated May 2026
PM Kaushal Vikas Yojana 4.0 — 2026 Free Skill Training + ₹8,000 Certificate | PMKVY
✅ Free skill training + NSQF certificate + ₹8,000…View Details →
💰 Finance
🔥 PopularUpdated May 2026
PM Swamitva Yojana 2026 — Village Property Card | Drone Survey | ₹5 Lakh Loan Collateral
✅ Legal Property Card (Adhikar Patra) + Bank loan…View Details →
💼 Employment
🔥 PopularUpdated Jul 2026
PM DAKSH Yojana 2026 — Free Skill Training for SC/ST/OBC/Minorities | ₹3,000 Stipend
✅ Free skill training + ₹1,000–₹3,000/month stipend during training…View Details →
👩 Women
🔥 PopularUpdated May 2026
DAY-NRLM Ajeevika 2026 — Self Help Group Loan ₹3 Lakh
✅ SHG Revolving Fund ₹15,000 + CIF ₹2.5 lakh…View Details →
Browse Schemes by Category
Explore central government schemes by category — all categories below are also applicable to Jammu & Kashmir residents.
About Jammu & Kashmir Government Schemes
Jammu & Kashmir residents can avail of both state government schemes and all central government schemes launched by the Government of India. The state government regularly launches welfare schemes covering agriculture, education, health, housing, women empowerment, and employment.
Popular central schemes like PM Vishwakarma Yojana, PM Kisan Samman Nidhi, Ayushman Bharat, and PM Awas Yojana are fully applicable to residents of Jammu & Kashmir. State-specific schemes like J&K Tejaswini Scheme provide additional benefits exclusive to Jammu & Kashmir residents.