Jammu & Kashmir

Government Schemes in Jammu & Kashmir 2025

Central and Jammu & Kashmir state schemes — eligibility, benefits, and how to apply

Jammu & Kashmir runs UNDP-backed livelihood schemes, Back to Village programme, and special central packages for development alongside all national flagship schemes.

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Jammu & Kashmir State Schemes

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StateEducation

Workers for Class 9th to 12th Through National Scholarship (JKBOCWWB)

Jammu and Kashmir

This scheme provides annual financial assistance to help children of registered construction workers continue their education from Class 9th to 12th. Launched on 1st January 2018 and run by the Building and Other Construction Workers Welfare Board under Jammu & Kashmir's Labour Department, it aims to reduce dropout rates and support worker families in affording secondary education.

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StateEducation

Academic Education (JKBOCWWB)

Jammu and Kashmir

This is an educational financial assistance scheme run by the Jammu & Kashmir Board of Construction Workers (JKBOCWW) Welfare Board under the Labour Department. It provides financial support to students from construction worker families to pursue their academic education from Class 9th through Post-Graduation. The scheme aims to help children of construction workers access quality education and reduce educational barriers.

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StateSocial Welfare

Registered Construction Worker in case of his/her Natural Death (JKBOCWWB)

Jammu and Kashmir

This scheme, run by the Jammu and Kashmir Building and Other Construction Workers (JKBOCW) Welfare Board under the Labour Department, provides financial assistance to the dependents or nominees of registered construction workers who pass away due to natural causes. The scheme aims to provide social security and financial support to the families of construction workers during their time of loss.

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StateSocial Welfare

Spurring Entrepreneurship Initiative

Jammu and Kashmir

The Spurring Entrepreneurship Initiative is a scheme run by the Jammu and Kashmir government to help young people start their own businesses. It offers financial support to youth entrepreneurs who want to establish business units with focus on high-growth sectors. The scheme aims to create job opportunities and boost economic growth in the Union Territory of Jammu and Kashmir.

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StateSocial Welfare

Prosthetic Aid Scheme

Jammu and Kashmir

The Prosthetic Aid Scheme is run by the Social Welfare Department of Jammu and Kashmir to help persons with disabilities. It provides artificial limbs, wheelchairs, tricycles, crutches, hearing aids, and other assistive devices to eligible beneficiaries. The scheme aims to improve mobility and quality of life for people who are blind, deaf, or have physical disabilities.

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StateSocial Welfare

Indira Gandhi National Disability Pension Scheme (Jammu and Kashmir)

Jammu and Kashmir

The Indira Gandhi National Disability Pension Scheme is a social welfare program run by the Department of Social Welfare in Jammu and Kashmir. Launched on 15th August 1995, it provides monthly pension support to people with disabilities who live below the poverty line. The scheme aims to provide financial assistance and social security to differently-abled individuals in the state.

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StateEducation

Schooling Education (JKBOCWWB)

Jammu and Kashmir

This scheme is run by the Jammu and Kashmir Building and Other Construction Workers Welfare Board under the Labour Department. It provides financial assistance to help the children of registered construction workers attend school. The scheme covers students from Nursery/Class 1 through Class 8, ensuring that children of construction workers can continue their education without financial burden.

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StateSocial Welfare

Financial Assistance for Funeral Expenses (JKBOCWWB)

Jammu and Kashmir

This is a welfare scheme run by the Building and Other Construction Workers (BOCW) Welfare Board under the Labour Department of Jammu and Kashmir. It provides financial help to family members of registered construction workers who have passed away. The money is given to cover the costs of the funeral and last rites.

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StateSocial Welfare

Sympathetic Assistance and Handholding for Youth Transformation and Amelioration - SAHAYTA

Jammu and Kashmir

SAHAYTA is a Jammu and Kashmir government scheme designed to support youth through financial assistance and mentoring. The scheme focuses on transformation and improvement of young people's lives through sympathetic support and guidance. It aims to help youth develop skills, pursue opportunities, and achieve economic independence. The initiative is specifically tailored for the youth population of Jammu and Kashmir.

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StateWomen & Child

Tejaswini-the Radiant

Jammu and Kashmir

Tejaswini-the Radiant is a scheme run by the Jammu and Kashmir government to support young women in starting their own self-employment businesses. It provides financial assistance tailored to each woman's skills, training, and local market conditions. The scheme aims to help women become economically independent and generate sustainable livelihoods in their communities.

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Popular Central Schemes for Jammu & Kashmir Residents

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CentralHousing

Pradhan Mantri Awas Yojana (PMAY)

Ministry of Housing and Urban Affairs

Pradhan Mantri Awas Yojana is a central government housing scheme run by the Ministry of Housing and Urban Affairs. It aims to provide affordable pucca (permanent) houses to poor families in both cities and villages. The scheme offers financial help and loan subsidies to enable low-income families to build or buy their own homes.

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CentralHealth

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana

Ministry of Health and Family Welfare

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is India's largest health insurance scheme run by the Ministry of Health and Family Welfare. It provides free health coverage up to ₹5 lakh per family per year for hospital treatment. The scheme covers secondary and tertiary care at empanelled public and private hospitals across the country.

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CentralFinancial

PM Mudra Yojana

Ministry of Finance

PM Mudra Yojana is a central government scheme run by the Ministry of Finance that provides collateral-free micro loans to help individuals start or expand small and micro businesses. The scheme is designed for non-corporate, non-farm entrepreneurs who want to become self-employed. Loans up to ₹10 lakh are available without requiring any collateral or security.

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CentralWomen & Child

Pradhan Mantri Ujjwala Yojana

Ministry of Petroleum and Natural Gas

The Pradhan Mantri Ujjwala Yojana is a central government scheme run by the Ministry of Petroleum and Natural Gas. It provides free LPG (cooking gas) connections to women from poor households. The scheme aims to give families access to clean cooking fuel, reduce indoor air pollution, and improve the health of women and children.

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CentralEducation

National Scholarship Portal – Central Schemes

Ministry of Education

The National Scholarship Portal is a single online platform run by the Ministry of Education where students across India can apply for various Central Government scholarships. It offers scholarships at different education levels — from school (Pre-Matric) to college (Post-Matric) — as well as merit-based awards. The portal helps deserving students from SC, ST, OBC, and minority communities access financial support to continue their studies.

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CentralAgriculture

PM Kisan Samman Nidhi

Ministry of Agriculture & Farmers Welfare

PM Kisan Samman Nidhi is a central government scheme run by the Ministry of Agriculture & Farmers Welfare. It provides direct cash support to small and marginal farmers across India to help with their farming needs. Every eligible farmer receives ₹6,000 per year, paid directly into their bank account in three equal payments.

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Frequently Asked Questions — Jammu & Kashmir Schemes

What government schemes are available in Jammu & Kashmir?
Jammu & Kashmir residents can access all central government schemes (PM-KISAN, PMAY, Ayushman Bharat, etc.) plus Jammu & Kashmir-specific state welfare schemes. Use our free eligibility checker to find all schemes you qualify for in under 2 minutes.
How do I apply for Jammu & Kashmir government schemes?
Most Jammu & Kashmir state schemes can be applied for online at the official Jammu & Kashmir government portal, or offline at your nearest Gram Panchayat, Block Development Office, or Common Service Centre (CSC). Use JanSevaPlus to find the exact application link for each scheme.
Is Ayushman Bharat available in Jammu & Kashmir?
Yes, Ayushman Bharat PM-JAY is available across India including Jammu & Kashmir. Check your eligibility at beneficiary.nha.gov.in using your Aadhaar card or ration card number. You can get a free Ayushman card at your nearest government hospital or CSC.
What documents are needed to apply for Jammu & Kashmir schemes?
Most Jammu & Kashmir government schemes require: Aadhaar card, ration card, income certificate, residence proof (voter ID/utility bill), bank passbook (linked to Aadhaar), and caste certificate (if applicable). Specific schemes may have additional requirements — check each scheme page for the full documents list.

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