A. UT-Specific Schemes (Jammu & Kashmir Government)
1. Jammu and Kashmir Rural Employment Generation Programme (JKREGP)
Objective: Promote self-employment opportunities for rural unemployed youth.
Key Features:
– Financial assistance (subsidy up to 35%) for setting up micro-enterprises.
– Target group: Rural unemployed youth, artisans, women, and weaker sections.
Implementing Agency: Jammu & Kashmir Khadi and Village Industries Board (J&K KVIB)
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2. Himayat Scheme
Objective: Provide skill training and placement to unemployed youth.
Key Features:
– 3-month, 6-month, and 1-year skill training programs.
– Post-training placement support (minimum 70% placement guarantee).
Target Group: Youth (18-35 years), school dropouts, and graduates.
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3. Mumkin Scheme
Objective: Provide commercial vehicles to youth for livelihood generation.
Key Features:
– Youth get subsidized loans to buy small commercial vehicles.
– Government and vehicle manufacturers provide capital support of approx ₹80,000–₹1 lakh.
Eligibility: Youth (18-35 years), unemployed, domicile of J&K.
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4. Tejaswini Scheme
Objective: Empower women entrepreneurs financially.
Key Features:
– Financial assistance up to ₹5 lakh for business setup.
– Interest subvention of 5% on the loan for 3 years.
Eligibility: Young women (18-35 years), domicile of J&K.
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5. SEHAT Scheme (Universal Health Insurance)
Objective: Extend health insurance to all J&K residents.
Key Features:
– ₹5 lakh health insurance cover per family per year.
– Free treatment at both government and empaneled private hospitals.
Coverage: Over 1 crore residents (universal coverage).
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6. Back to Village Programme (B2V)
Objective: Strengthen village-level governance and development planning.
Key Features:
– Senior officers visit Panchayats to interact directly with villagers.
– Identifies development needs and prepares Gram Panchayat Development Plans (GPDP).
– Community participation in governance.
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B. Central Schemes Extended to J&K
1. Pradhan Mantri Awas Yojana (PMAY – Gramin & Urban)
Objective: Housing for all rural and urban poor.
Key Features:
– Financial assistance of ₹1.2 lakh–₹1.5 lakh per house.
– Convergence with other welfare schemes (toilets, LPG, electricity).
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2. Ayushman Bharat – PMJAY SEHAT
Objective: Provide free health insurance.
Key Features:
– ₹5 lakh cover per family per year (like SEHAT scheme, but under PMJAY).
– Cashless treatment across India.
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3. Jal Jeevan Mission
Objective: Tap water supply to every rural household.
Key Features:
– 100% Functional Household Tap Connections (FHTC).
– Focus on water quality, quantity, and community management.
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4. National Rural Livelihood Mission (NRLM) (Brand name in J&K = UMEED)
Objective: Women empowerment through SHGs (Self-Help Groups).
Key Features:
– Financial assistance, capacity building, and livelihood promotion.
– Interest subvention on SHG loans.
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5. Mission Youth J&K
Objective: Empower youth through skilling, entrepreneurship, and livelihood support.
Key Features:
– Umbrella initiative covering schemes like Mumkin, Tejaswini, and youth clubs.
– Seed capital assistance, coaching support, and innovation grants.
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6. Pradhan Mantri Gram Sadak Yojana (PMGSY)
Objective: All-weather road connectivity to unconnected villages.
Key Features:
– Focus on remote, hilly, and tribal regions of J&K.
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7. PM Kisan Samman Nidhi
Objective: Direct income support to farmers.
Key Features:
– ₹6,000 per year in 3 equal installments directly into bank accounts.
– Applicable to small and marginal farmers.
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8. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
Objective: Provide skill certification and training to youth.
Key Features:
– Free short-term courses aligned with industry needs.
– Certification and placement support.
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9. PRASHAD and SWADESH DARSHAN (Tourism Schemes)
Objective: Integrated development of pilgrimage and heritage tourism circuits.
Key Features:
– Infrastructure development in key tourism sites in J&K (e.g., Jammu, Srinagar, Gulmarg, Pahalgam).
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10. Sansad Adarsh Gram Yojana (SAGY)
Objective: Model village development.
Key Features:
– Holistic development (infrastructure, education, health, livelihoods).
– Adopted villages are developed through convergence of schemes.
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Why are these schemes important for J&K?
– To address unemployment and promote livelihoods.
– To improve healthcare and education access in remote regions.
– To empower women and youth.
– To boost infrastructure and tourism, which are key for regional growth.
– To ensure last-mile delivery of welfare schemes post Article 370 abrogation.
