🏔️ Ladakh Government Schemes 2026
लद्दाख • Capital: Leh • Population: 3 Lakh • 9+ schemes
| State | Ladakh (लद्दाख) |
| Capital | Leh |
| Population | 3 Lakh |
| Total Schemes Listed | 9+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Ladakh State Government Schemes
Ladakh Tribal Sub-Plan (TSP) Scholarship 2026 — ₹12,000/Year for ST Students | lahdc.nic.in
The Ladakh Tribal Sub-Plan (TSP) Scholarship is a flagship education support scheme for Scheduled Tribe students domiciled in the Union Territory of Ladakh. Under this scheme, eligible ST students pursuing school or higher education receive ₹12,000 per year to cover tuition fees, books, and boarding expenses. The scheme is administered by the Ladakh Autonomous Hill Development Council (LAHDC) under the Ministry of Tribal Affairs. Priority is given to students from remote villages in Leh and Kargil districts who would otherwise drop out due to financial hardship.
LAHDC Border Area Development Scheme 2026 — Infrastructure & Employment for Border Villages in Ladakh
The LAHDC Border Area Development Scheme (BADS) provides targeted infrastructure development and employment support to villages situated within 50 km of the international border in Ladakh UT. The scheme funds construction of rural roads, community halls, water supply systems, and solar energy installations in border villages of Leh and Kargil districts. Under the employment component, local youth are engaged as paid workers in scheme construction activities, providing seasonal wage income. The scheme is funded by the Ministry of Home Affairs under the Border Area Development Programme (BADP) and implemented by LAHDC.
Ladakh Social Security Pension 2026 — ₹1,500/Month for Senior Citizens, Widows & Disabled | lahdc.nic.in
For elderly, widowed, and disabled residents of Ladakh's cold-desert districts, the UT's Social Welfare Department runs a monthly social security pension of ₹1,500 administered through LAHDC Leh and LAHDC Kargil. Three groups can claim it: senior citizens aged 60 and above, widows of any age who have not remarried, and persons certified with at least 40% disability. A household income ceiling of ₹72,000 a year keeps the support aimed at families with little or no regular earning. Rather than monthly office visits, the money reaches pensioners directly as DBT into their Aadhaar-linked bank accounts, which matters in a region where villages are scattered and travel is hard. The state component sits alongside the central IGNOAPS scheme and currently reaches more than 30,000 beneficiaries across both Leh and Kargil.
Ladakh MGNREGA Job Card 2026 — 100 Days Guaranteed Employment at ₹259/Day | nrega.nic.in
The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) in Ladakh UT guarantees 100 days of wage employment per financial year to every rural household whose adult members are willing to do unskilled manual work. The daily wage rate in Ladakh is ₹259/day (2024–25). In Ladakh's harsh mountain terrain, MGNREGA works typically include construction of rural roads, water conservation structures, land levelling, and plantation activities suited to the cold-arid conditions. Job cards are issued by Gram Panchayats and wages are credited via DBT within 15 days.
Ladakh PMAY-Gramin Housing Scheme 2026 — ₹1.3 Lakh + Extra for Cold Climate Housing | pmayg.nic.in
The Pradhan Mantri Awas Yojana – Gramin (PMAY-G) in Ladakh UT provides ₹1.3 lakh financial assistance to BPL rural households for construction of a pucca house. Given Ladakh's extreme cold and high-altitude conditions, a climate-responsive construction norm is followed — houses must include adequate insulation, double-glazed windows, and a solar passive design. An additional top-up from UT funds may be provided for the extra material cost. Beneficiaries also get 90 person-days of MGNREGS wages. Selection is from the SECC 2011 / Awaas+ priority list.
Ladakh Cold Arid Region Horticulture Scheme 2026 — 50% Subsidy on Fruit Plants, Greenhouses & Equipment | lahdc.nic.in
The Ladakh Cold Arid Region Horticulture Scheme provides 50% capital subsidy on the cost of certified fruit plant saplings (apple, apricot, walnut, seabuckthorn), greenhouse/polyhouse construction, drip and sprinkler irrigation equipment, and cold storage units to farmers in Leh and Kargil districts. Given Ladakh's short growing season and extreme climate, the scheme promotes protected cultivation under greenhouses and drip irrigation to maximise farm income. The scheme is implemented by the Agriculture & Horticulture Department, Ladakh UT, with Coconut Development Board and NHM funding.
Ladakh Post-Matric Scholarship for SC/ST Students 2026 — Full Tuition + ₹1,000/Month | scholarships.gov.in
The Ladakh Post-Matric Scholarship for Scheduled Caste and Scheduled Tribe students provides full tuition fee reimbursement and monthly maintenance allowance of ₹500–₹1,000 to SC/ST students domiciled in Ladakh UT who are pursuing Class 11 to PhD level education. Applied through the National Scholarships Portal (scholarships.gov.in). Implemented by the Social Welfare Department, Ladakh UT. Family annual income must be below ₹2.5 lakh. Amount is transferred via DBT to Aadhaar-linked bank accounts.
Ladakh Women SHG Revolving Fund & Loan Scheme 2026 — ₹15,000 Seed Fund + 0% Interest Loan | lahdc.nic.in
The Ladakh Women Self-Help Group Revolving Fund Scheme under the State Rural Livelihoods Mission (SRLM) provides a seed revolving fund of ₹15,000 per SHG and 0% interest loans of up to ₹3 lakh to registered women SHGs in Ladakh UT. Given Ladakh's harsh winters and short earning season, the scheme supports SHGs engaged in pashmina wool crafts, handicrafts, homestay tourism, dried fruit processing, and livestock rearing. The scheme is implemented by LAHDC in coordination with the Ladakh Social Welfare Department.
Ladakh Post-Matric Scholarship for OBC Students 2026 — Full Tuition + ₹600/Month | scholarships.gov.in
Run by the Social Welfare Department of Ladakh UT, this Post-Matric Scholarship helps Other Backward Class (OBC) students from Leh and Kargil stay in education beyond Class 10. Eligible students enrolled anywhere from Class 11 up to post-graduation get their tuition fee reimbursed in full, plus a monthly maintenance allowance of ₹400 to ₹600 to ease day-to-day study costs. Because the scheme falls under the Ministry of Social Justice & Empowerment, all applications are routed through the National Scholarships Portal (scholarships.gov.in) rather than a state form. A relatively tight family income ceiling of ₹1 lakh a year keeps the benefit focused on the neediest OBC households. Once verified, every rupee lands directly in the student's Aadhaar-linked bank account through DBT, removing middlemen and cash handling.
🇮🏻 Central Government Schemes for Ladakh Residents
All 252 central government schemes are applicable to residents of Ladakh. The most popular schemes you can apply for right now:
PM Vishwakarma Yojana 2026 — ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades | pmvishwakarma.gov.in
PM Vishwakarma Yojana is a central government scheme launched on 17 September 2023 that supports traditional artisans and craftspeople across 18 trades with free skill training (₹500/day stipend), a ₹15,000 toolkit e-voucher, and collateral-free loans up to ₹3 lakh at just 5% interest. Implemented by the Ministry of MSME with a ₹13,000 crore budget over 5 years (FY2023-24 to FY2027-28). Registration is done FREE at Common Service Centres (CSC) using Aadhaar biometric authentication.
PM Awas Yojana 2026 — Pradhan Mantri Awas Yojana Gramin & Urban Subsidy
Pradhan Mantri Awas Yojana (PMAY), launched in 2016, is India's largest housing programme providing financial assistance to build pucca houses for economically weaker sections. Under PMAY-Gramin (rural), eligible BPL families receive ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly or north-eastern states paid directly through DBT. Under PMAY-Urban, first-time homebuyers in EWS (annual income up to ₹3 lakh) get 6.5% interest subsidy on home loans up to ₹6 lakh, reducing monthly EMI significantly. LIG (income ₹3–6 lakh) gets 6.5%, MIG-I (₹6–12 lakh) gets 4%, and MIG-II (₹12–18 lakh) gets 3% subsidy under the Credit Linked Subsidy Scheme (CLSS). Beneficiaries are selected through the SECC database and state government surveys. Over 2.1 crore PMAY houses have been completed as of 2026.
PM Kisan Samman Nidhi Yojana 2026 — ₹6,000/Year to 11 Crore Farmers
PM-KISAN (Pradhan Mantri Kisan Samman Nidhi), launched in February 2019, provides ₹6,000 per year direct income support to all land-holding farmer families in India — transferred as three equal installments of ₹2,000 every four months directly to Aadhaar-linked bank accounts. As of 2026, over 11 crore farmers receive PM-KISAN, making it the world's largest direct cash transfer programme for farmers. All land-holding farming families are eligible, regardless of land size. Farmers must complete annual eKYC (OTP or biometric at CSC) to continue receiving installments. Income tax payees, government employees, and institutional landholders are excluded from PM-KISAN benefits.
Ayushman Bharat PM-JAY Yojana 2026 — ₹5 Lakh Free Health Insurance
Ayushman Bharat PM-JAY (Pradhan Mantri Jan Arogya Yojana), launched in September 2018, provides cashless hospitalisation coverage of ₹5 lakh per family per year at 30,000+ empanelled government and private hospitals. PM-JAY is the world's largest government-funded health insurance scheme, covering 55 crore+ people from the bottom 40% of India's population as per the SECC 2011 database. The scheme covers 1,949 medical procedures including surgeries, chemotherapy, kidney dialysis, neonatal care, and mental health treatment — at no cost to the beneficiary. Beneficiaries can avail treatment in any empanelled hospital across any state, completely cashless, using the Ayushman Card. Senior citizens aged 70+ years now get an additional ₹5 lakh top-up cover. Over 8 crore hospitalisation cases have been covered under PM-JAY as of 2026.
PM Ujjwala Yojana 2.0 — Free LPG Connection
Pradhan Mantri Ujjwala Yojana provides free LPG gas connections to women from below poverty line households to replace unhealthy cooking fuel usage.
PM Mudra Yojana 2026 — Collateral-Free Business Loan ₹50K to ₹20 Lakh
Pradhan Mantri Mudra Yojana, run through the Micro Units Development and Refinance Agency (MUDRA) under the Department of Financial Services, offers collateral-free business loans to non-corporate, non-farm micro and small enterprises. Loans are sanctioned under four categories: Shishu (up to ₹50,000), Kishore (₹50,001–₹5 lakh), Tarun (₹5 lakh–₹10 lakh), and Tarun Plus (₹10 lakh–₹20 lakh, launched 2024 for repeat Tarun borrowers). Funds are routed through banks, RRBs, NBFCs and microfinance institutions, and disbursed directly to the borrower's account, helping small traders, manufacturers and service providers expand. Over 52 crore loans worth ₹27 lakh crore have been sanctioned since 2015.
Sukanya Samriddhi Yojana 2026 — 8.2% Interest Girl Child Savings Scheme
Sukanya Samriddhi Yojana is a government-backed savings scheme for girl children offering one of the highest fixed interest rates (8.2% p.a.) with full tax exemption under Section 80C. Minimum deposit just Rs.250/year; maximum Rs.1.5 lakh/year. Account matures 21 years from opening or at marriage after age 18.
Kisan Credit Card (KCC) Scheme 2025
Kisan Credit Card provides farmers with flexible and affordable short-term credit for cultivation expenses, post-harvest needs, and allied activities at interest rates as low as 4% per annum.
National Scholarship Portal (NSP) 2026 — Apply for Central Scholarships Online
The National Scholarship Portal is a one-stop platform for students to apply for all central government scholarship schemes including pre-matric, post-matric, and merit-cum-means scholarships for SC, ST, OBC, and minority students.
PM Surya Ghar Muft Bijli Yojana 2026 — 300 Units Free Electricity
PM Surya Ghar Muft Bijli Yojana provides 300 units of free electricity per month to households that install rooftop solar panels, with a central government subsidy of up to ₹78,000 on installation cost.
E-Shram Card 2026 — Free Registration for Unorganized Workers
E-Shram is a national database for unorganized sector workers providing a Universal Account Number (UAN) card, ₹2 lakh accident insurance, and priority access to 12 government welfare schemes.
Agniveer Scheme 2026 — Agnipath Defence Recruitment, Salary & Seva Nidhi
The Agniveer Scheme, launched under the Agnipath programme in 2022, recruits Indian youth aged 17.5 to 21 years for a 4-year short-service commission in the Indian Army, Navy, or Air Force. Agniveers receive a monthly salary starting at Rs.30,000 (rising to Rs.40,000 in the 4th year) plus risk and hardship allowances. On completion of 4 years, they receive a tax-free Seva Nidhi package of Rs.11.71 lakh (their contribution matched by the government with interest). Up to 25% of each batch is offered permanent enrolment in the regular armed forces based on merit and performance. Agniveers also receive priority in central paramilitary forces (CRPF, CISF, BSF) and several state police recruitment drives.
PM Jan Dhan Yojana 2026 — Zero Balance Bank Account + ₹2 Lakh Insurance
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India's largest financial inclusion scheme with 56+ crore accounts. Any Indian citizen can open a zero-balance savings account with free RuPay debit card, ₹2 lakh accident insurance, ₹30,000 life insurance, and ₹10,000 overdraft facility.
MGNREGA / NREGA Job Card 2026 — 100 दिन काम की गारंटी, ₹267/दिन मजदूरी
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) guarantees 100 days of wage employment per year to every rural household in India. Workers receive ₹267/day (minimum wage varies by state) directly to their bank accounts. With over 15 crore active Job Card holders, MGNREGA is the world's largest employment guarantee programme.
PM Internship Scheme 2026 — ₹9,000/Month Stipend | 1 Crore Youth | pminternship.mca.gov.in
PM Internship Scheme is a flagship Government of India initiative launched in 2024 that places 1 crore young Indians (aged 21–24) in 12-month paid internships at top 500 companies across sectors. Interns receive ₹9,000/month stipend (₹6,000 from government + ₹3,000+ from company CSR), ₹6,000 one-time travel grant, and ₹2 lakh accident insurance under PM Jeevan Jyoti Bima Yojana.
PM Kisan Maandhan Yojana 2026 — ₹3,000/Month Pension for Farmers | maandhan.in
PM Kisan Maandhan Yojana (PM-KMY) is a voluntary and contributory pension scheme for small and marginal farmers launched in 2019. Farmers aged 18–40 contribute a small monthly amount (₹55–₹200 depending on entry age) and receive a guaranteed pension of ₹3,000/month after reaching 60 years of age. The Government of India contributes an equal matching amount to the Pension Fund.
PM Kaushal Vikas Yojana 4.0 — 2026 Free Skill Training + ₹8,000 Certificate | PMKVY
PM Kaushal Vikas Yojana 4.0 (PMKVY 4.0) is the fourth phase of India's flagship skill training programme launched in 2022. It provides free short-term skill training in 220+ job roles across industry sectors to 1 crore youth. Trainees receive a National Skill Qualification Framework (NSQF)-linked certificate, ₹8,000 completion bonus, and placement support through top companies.
PM Swamitva Yojana 2026 — Village Property Card | Drone Survey | ₹5 Lakh Loan Collateral
PM Swamitva Yojana (Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas) provides legal property rights to village household owners through drone-based survey. Villagers get a Property Card (Adhikar Patra) which can be used as collateral for bank loans up to ₹5 lakh. Launched in 2020, covering 6 lakh+ villages across India.
PM DAKSH Yojana 2026 — Free Skill Training for SC/ST/OBC/Minorities | ₹3,000 Stipend
PM DAKSH (Pradhan Mantri Dakshata Aur Kushalta Sampann Hitgrahi) Yojana provides free short-term and long-term skill training to Scheduled Castes, Scheduled Tribes, OBCs, EBCs, DNTs, and Minorities. Trainees receive ₹1,000–₹3,000 monthly stipend during training, placement support, and industry-recognized certification. Apply at pmdaksh.dosje.gov.in.
DAY-NRLM Ajeevika 2026 — Self Help Group Loan ₹3 Lakh | aajeevika.gov.in
Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) organises rural poor women into Self Help Groups (SHGs) and provides them access to bank credit, livelihood support, and social mobilisation. SHGs get revolving fund of ₹15,000, Community Investment Fund up to ₹2.5 lakh, and bank loans up to ₹3 lakh at subsidised rates.
Browse Schemes by Category
Explore central government schemes by category — all categories below are also applicable to Ladakh residents.
About Ladakh Government Schemes
Ladakh 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 Ladakh. State-specific schemes like Ladakh TSP Scholarship provide additional benefits exclusive to Ladakh residents.