J&K PMEGP Self Employment — Quick Overview
| Scheme Name | J&K PMEGP & J&K Self Employment Scheme 2026 — ₹25L MSME Loans + 25-35% Subsidy for J&K Youth |
| State | Jammu & Kashmir (जम्मू और कश्मीर) |
| Launched By | Government of Jammu & Kashmir |
| Launch Year | 2008 |
| Benefit | ₹2-25L MSME loan + 25-35% subsidy (35% for J&K SC/ST/women) for enterprise in J&K |
| Category | Employment |
| Beneficiaries | 15,000+ units annually in J&K |
| Last Verified | 23 May 2026 |
| Official Portal | https://pmegp.kvic.gov.in |
What is J&K PMEGP Self Employment?
PM Employment Generation Programme (PMEGP) is implemented in J&K through KVIC (Khadi & Village Industries Commission), KVIB (J&K Khadi & Village Industries Board), and DICs (District Industries Centres). J&K PMEGP provides loans ₹2-25 lakh for manufacturing and ₹2-10 lakh for service units with 25-35% government subsidy. J&K Special: SC/ST/Women/Ex-servicemen/PH get 35% subsidy (vs 25% for general). First-generation entrepreneurs get additional mentoring. J&K also has 'Himayat' programme for youth skill development + placement. Apply via pmegp.kvic.gov.in during April-November. Over 15,000 J&K units supported annually.
Under this scheme, eligible beneficiaries receive ₹2-25L MSME loan + 25-35% subsidy (35% for J&K SC/ST/women) for enterprise in J&K. The scheme was launched in 2008 and is implemented by the Government of Jammu & Kashmir.
J&K PMEGP — Manufacturing ₹25 लाख तक, Service ₹10 लाख तक + 25-35% government subsidy। SC/ST/Women/Ex-servicemen: 35% subsidy। J&K Himayat programme भी। pmegp.kvic.gov.in पर apply। 15,000+ J&K units सालाना।
₹2-25 लाख MSME loan + 25-35% subsidy — J&K में enterprise के लिए (SC/ST/women: 35%)
Benefits of J&K PMEGP Self Employment
✅ ₹2-25L MSME loan + 25-35% subsidy (35% for J&K SC/ST/women) for enterprise in J&K
₹2-25 लाख MSME loan + 25-35% subsidy — J&K में enterprise के लिए (SC/ST/women: 35%)
Who is Eligible for J&K PMEGP Self Employment?
- ✓ J&K domicile holder aged 18+ years (manufacturing: 18+, service: 18+)
- ✓ Minimum education: Class 8 pass for projects above ₹10 lakh
- ✓ First-generation entrepreneur (no existing business venture)
- ✓ Annual family income below ₹3 lakh (for KVIB/KVIC channel, higher for DIC)
- ✓ SC/ST/Women/Ex-servicemen/PH/NER get priority and 35% subsidy
Advertisement
Documents Required for J&K PMEGP Self Employment
How to Apply for J&K PMEGP Self Employment Online?
- 1pmegp.kvic.gov.in पर online application submit करें
- 2Channel choose करें: KVIC, KVIB, ya DIC (District Industries Centre)
- 3Project Report (DPR) तैयार करें — DIC officer सहायता करेगा
- 4Documents upload: J&K PRC, DPR, Aadhaar, caste cert, educational cert
- 5Interview at DIC/KVIC → bank linkage → loan disbursement
- 625-35% subsidy: loan principal से automatically adjust होती है after 3 years of operation
Official Government Portal — Jammu & Kashmir
Apply directly on the official Jammu & Kashmir government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 Apply at pmegp.kvic.gov.in or J&K DICFrequently Asked Questions — J&K PMEGP Self Employment
Common Questions About Jammu & Kashmir Government Schemes
J&K Tejaswini Scheme ke liye SHG kaise banayein?+
अपने गांव की 10–15 महिलाओं को मिलाकर एक SHG बनाएं। JKRLM के Community Resource Person (CRP) से सहायता लें। नियमित meetings करें और savings account खोलें। SHG registration JKRLM BDO Office से होगी।
جموں و کشمیر تیجسوینی اسکیم کا ₹10,000 فنڈ کب ملتا ہے؟+
SHG registration کے بعد، جب group نے کم از کم کچھ مہینے regular meetings اور savings کی ہوں، تو JKRLM BDO Office میں application دے کر ₹10,000 Revolving Fund حاصل کیا جا سکتا ہے۔
J&K Ghar Wapsi scheme mein Kashmiri migrant kaise apply karein?+
Relief & Rehabilitation Commissioner Office se migrant registration certificate lein. Phir jkhousing.gov.in ya BDO/ULB office mein PMAY application ke saath migrant certificate, domicile certificate, Aadhaar aur income proof jama karein.
جموں و کشمیر مکان اسکیم میں کتنی رقم ملتی ہے؟+
PMAY-G (دیہی) کے تحت میدانی علاقوں میں ₹1.3 لاکھ اور پہاڑی/مشکل علاقوں میں ₹1.5 لاکھ ملتے ہیں۔ J&K ریاستی حکومت اضافی top-up دیتی ہے — مجموعی رقم کے لیے jkhousing.gov.in یا BDO آفس سے تصدیق کریں۔
J&K SEHAT scheme mein kitna health cover milta hai?+
₹5 lakh per family per year cashless treatment. ALL J&K domicile holders eligible — no income limit. Works at 24,000+ AB-PMJAY empanelled hospitals across India. Golden Card is free.
Advertisement
More Jammu & Kashmir Government Schemes
J&K Tejaswini Scheme 2026 — ₹10,000 Revolving Fund for Rural Women SHGs | jkrural.gov.in
✅ ₹10,000 Revolving Fund per SHG + market linkage + livelihood training + government procurement linkage for rural women
J&K Housing Scheme 2026 — PM Awas + State Housing for Migrants & EWS Families | jkhousing.gov.in
✅ PMAY-G: up to ₹1.3–1.5 lakh housing grant (+ state top-up for J&K). Kashmiri migrant families and EWS get priority. Pucca house construction/repair support.
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 treatment — ALL J&K domicile families (no income limit) — 24,000+ empanelled hospitals across India
PM Special Scholarship Scheme (PMSSS) for J&K & Ladakh Students 2026 — ₹1 Lakh Academic + ₹1 Lakh Maintenance | aicte-jk-scholarship-gov.in
✅ Academic Fee (₹30K-₹3L/year) + Maintenance ₹1 lakh/year (₹10,000/month) + Incidentals = up to ₹3-5 lakh per year
J&K Umeed Programme 2026 — SHG Formation + Micro-Enterprise Loans + Skill Training for Rural Women
✅ CIF ₹50K + bank credit ₹3L @ 7% + handicraft skill training + market linkage for J&K rural women SHGs
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 in J&K
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, and grievance redressal through senior officers
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 + cold storage 50% + crop insurance for J&K horticulture farmers
Jammu & Kashmir Ladli Beti Yojana 2026 — ₹1,000/Month for Girls Birth to 12th Class | jk.gov.in
✅ ₹1,000/month deposited in girl's name from birth to age 14 — maturity amount at Class 12 completion in J&K
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 students Class 11 to PhD