J&K Government Welfare Schemes 2026
Central & UT Schemes — SEHAT Health Cover, HADP Horticulture, Ladli Beti, Mumkin Vehicle Loan, Tejaswini & 80+ Welfare Programmes
Health & Medical Schemes
Ayushman Bharat PM-JAY SEHAT (Golden Card)
J&K's universal health insurance scheme — the only UT/State in India offering free health cover to ALL residents irrespective of economic status. Provides ₹5 lakh annual cashless treatment cover per family for hospitalisation. Over 1.35 crore Golden Cards issued. The scheme extends AB PM-JAY to all J&K residents, even those not in SECC database.
108 EMRI Free Ambulance Service
Emergency Medical Response Initiative operates a fleet of over 200 advanced life support ambulances across J&K covering all 20 districts. Free-of-cost service available 24×7. Dial 108 from any mobile or landline.
National Health Mission (NHM) J&K
Operates over 2,700+ sub-centres, 700+ PHCs, and 90+ CHCs across J&K. Key programmes: Janani Suraksha Yojana (JSY) for institutional deliveries, JSSY (patient transport), free generic medicines at Jan Aushadhi centres, free diagnostics scheme, and Pradhan Mantri Matru Vandana Yojana (PMMVY) for ₹5,000 maternity benefit.
Agriculture & Horticulture Schemes
HADP — High Density Apple Planting Programme
J&K's landmark horticulture transformation scheme targeting 1 lakh hectares of apple orchards under high-density plantation technology. Approved at ₹5,500 crore over 5 years, HADP provides ₹3.5 lakh per hectare subsidy to apple growers who adopt high-density planting (1,100–3,000 plants/ha) vs traditional (200 plants/ha). Aims to boost apple productivity from 8 MT/ha to 20+ MT/ha.
PM-KISAN
₹6,000/year income support to all small and marginal farmers in J&K (landholding up to 2 ha). Paid in 3 equal instalments of ₹2,000 directly to bank account. Over 8.5 lakh beneficiaries in J&K.
Saffron Revival Mission (NMSF)
National Mission on Saffron (NMS) focuses on Pampore belt (Pulwama). Provides improved saffron corms, irrigation through solar pumps, and soil health cards. Target: Restore 3,715 ha saffron area; current yield 2.5 kg/ha targeted to 6 kg/ha.
HADP — Livestock Component
Under HADP's livestock integration, Pashmina goat rearing gets special support: 75% subsidy on breeding male goats, 50% subsidy on shearing machines, and training at CSWRI Jammu. Targets 100% improvement in Pashmina fibre quality.
Trout Fish Farming Subsidy
Under PMMSY (Pradhan Mantri Matsya Sampada Yojana), J&K provides 60% subsidy for trout farming units (raceways, circular tanks) in Anantnag, Ganderbal and Bandipora. J&K produces ~90% of India's trout. Target: 10,000 MT production by 2025.
Women, Children & Youth Schemes
Ladli Beti — Girl Child Support Scheme
Launched to combat female foeticide and support girl children from BPL families. Provides ₹1,000 per month as financial support until the girl turns 18 years old. Additionally includes education support, nutrition allowance, and vaccination tracking. Applicable to families with annual income below ₹75,000.
Mission Youth — Tejaswini
Self-employment and entrepreneurship scheme targeting young women in J&K. Provides collateral-free loans up to ₹5 lakh at concessional rates (4–5%) via J&K Bank for women entrepreneurs aged 18–45. Includes free skill training, mentorship, and marketing support through JKEDI (Entrepreneurship Development Institute).
PM Yuva Udyamita Vikas Abhiyan (PMYUVA)
Central scheme for youth entrepreneurs. In J&K, JKEDI implements PMYUVA with special focus on handicraft entrepreneurs, IT startups, and agri-food processing. Provides up to ₹10 lakh seed capital and 6-month enterprise mentorship.
State Marriage Assistance Scheme (SMAS)
Financial assistance of ₹50,000 for marriage of daughters of widows, divorced, and BPL families. Applies to first two daughters only. Family must have annual income below ₹75,000. Application through District Social Welfare Officer.
PMMVY — Maternity Benefit
Pradhan Mantri Matru Vandana Yojana provides ₹5,000 in 3 instalments to first-time pregnant and lactating mothers (excluding govt employees). Encourages institutional delivery and antenatal check-ups. Apply at nearest Anganwadi Centre / ASHA worker.
Housing & Infrastructure Schemes
PM Awas Yojana — Gramin (Rural)
Financial assistance of ₹1.30 lakh per unit (plains) and ₹1.50 lakh per unit (hilly/difficult areas — applicable for J&K) for rural BPL families to construct pucca houses. J&K has a target of 1.8 lakh houses under PMAY-G. Beneficiaries also get 90 days MGNREGS wage support and Ujjwala/Saubhagya connections.
PM Awas Yojana — Urban
Central assistance of ₹1.5 lakh per beneficiary under beneficiary-led construction (BLC) component. J&K target: 30,000 urban housing units in Srinagar, Jammu, Anantnag, Baramulla and other urban local bodies. Additional state subsidy available for EWS/LIG.
Saubhagya & Har Ghar Jal
Saubhagya: 100% rural electrification achieved in J&K with free connection to BPL households. Jal Jeevan Mission (JJM): Har Ghar Nal Se Jal — providing tap water connection to every rural household in J&K. Target: 18.5 lakh rural households by 2024.
Employment & Self-Employment Schemes
Mumkin — Vehicle Loan at 3% for Self-Employment
J&K's unique self-employment scheme enabling unemployed youth to acquire commercial vehicles (taxis, autos, e-vehicles, goods carriers) at a concessional loan rate of just 3% per annum. Loans up to ₹10 lakh for 4-wheelers and ₹5 lakh for 2-wheelers/e-rickshaws. The state bears interest beyond 3% through direct benefit transfer to J&K Bank. Over 12,000 youth benefited since launch.
PMEGP (Khadi & Village Industries)
25–35% subsidy on project cost (up to ₹25 lakh manufacturing / ₹10 lakh service) for setting up micro enterprises. For NE/hilly states (J&K included): enhanced 35% margin for general and 25% for special categories. Apply via KVIC or State KVIB.
PM Mudra Yojana (PMMY)
Collateral-free micro enterprise loans in J&K: Shishu (up to ₹50K), Kishor (₹50K–5L), Tarun (₹5–10L). J&K disbursed ₹2,400+ crore Mudra loans in FY24, with women entrepreneurs as priority category.
MGNREGS (Job Guarantee)
100 days guaranteed rural employment at ₹255/day (J&K wage rate). Special focus on WAQF land, pasture restoration, rural road maintenance, and watershed management. Over 4.5 lakh active MGNREGS workers in J&K. Applies to all 20 districts.
Skill Development — JKSDM
J&K Skill Development Mission runs free vocational training in 30+ trades: hospitality, IT, construction, healthcare, handicrafts. Includes stipend of ₹1,000–₹3,000/month during training. Placement linkages with companies like TCS, Infosys, Taj Hotels, and GMR.
Social Welfare & Pension Schemes
| Scheme | Beneficiary | Monthly Support | Eligibility |
|---|---|---|---|
| IGNOAPS (Old Age Pension) | 60+ years elderly (BPL) | ₹500–₹750 | BPL, 60+ years |
| IGNWPS (Widow Pension) | Widows (18–59 years) | ₹300–₹500 | BPL widows; not remarried |
| IGNDPS (Disability Pension) | Persons with 80%+ disability | ₹300–₹500 | Disability certificate from CMO |
| Rehbar-e-Sehat (RES) | Village health workers | ₹2,000 incentive | ASHAs & Lady Health Visitors |
| National Food Security Act (NFSA) | All priority households | 5 kg rice/wheat @ ₹2–3/kg | Ration card holders |
| PM Ujjwala Yojana | BPL women | Free LPG connection | BPL women (18+) |
How to Apply for J&K Schemes
Jan Sugam Portal
Single-window portal for 350+ services. Visit jansugam.jk.gov.in
Seva Kendras (CSC)
Common Service Centres at all Panchayat & Block level. Aadhaar-based authentication.
UMANG App
Download UMANG app for central scheme applications, PM-KISAN, PMAY, and SEHAT enrollment.
Helpline: 1800-180-7444
J&K Govt Schemes Helpline (toll-free). Available Mon–Sat 9am–6pm.