Browse 47 Banking government schemes available to residents of Jammu and Kashmir in 2026. This page combines centrally-sponsored banking programmes that residents of Jammu and Kashmir are eligible for, plus state-level banking schemes run by the Jammu and Kashmir government. For each scheme, you can review eligibility criteria, benefits, required documents, and the official application process — including state-specific portals, helplines, and recent disbursement updates where available.
The scheme “AASRA Scheme” was launched by the Department of Social Welfare, Government of Jammu & Kashmir in 2015 to provide Social Security cover to widows, Destitute, Below Poverty Line families and Breadwinners of such families whose annual income is less than ₹75000/-.
The Ministry of Textiles introduced the Amended Technology Upgradation Fund Scheme (ATUFS). This scheme aims to facilitate investment, employment, productivity, quality and import and export substitution in the textile industry.
The scheme “Atal Beemit Vyakti Kalyan Yojana (ABVKY)” was introduced by the Employees’ State Insurance Corporation (ESIC) on a pilot basis for a period of 2 years w.e.f. 01.07.2018 for providing relief to the Insured Persons (IPs) who have become unemployed.
The scheme “AASRA Scheme” was launched by the Department of Social Welfare, Government of Jammu & Kashmir in 2015 to provide Social Security cover to widows, De...
View DetailsThe Ministry of Textiles introduced the Amended Technology Upgradation Fund Scheme (ATUFS). This scheme aims to facilitate investment, employment, productivity,...
View DetailsThe scheme “Atal Beemit Vyakti Kalyan Yojana (ABVKY)” was introduced by the Employees’ State Insurance Corporation (ESIC) on a pilot basis for a period of 2 yea...
View DetailsAtal Pension Yojana (APY) is an old age income security scheme for a savings account holder in the age group of 18-40 years, who is not an income tax-payee. ...
View DetailsThe "Contributory Social Security Scheme (CSSS)" intends to provide social security to marginal workers on a contributory basis. The duration of the scheme shal...
View DetailsThe Credit Card Scheme for Artisans & Weavers is a loan scheme by the Department of Handicraft & Handloom (Govt. of Jammu & Kashmir) under which adequate and ti...
View DetailsThe scheme implemented by the National Scheduled Castes Finance & Development Corporation, Ministry of Social Justice & Empowerment, Govt. of India. Under this ...
View DetailsLoan of upto Rs. 20 lacs for domestic courses & Rs. 30 lacs for courses abroad under Credit Line-1 and Credit line -2 is extended to beneficiaries belong to mi...
View DetailsThe scheme aims to provide 50% reimbursement of interest on home loans up to ₹1,00,000 for eligible war widows, war bereaved families, war disabled personnel, a...
View DetailsThe basic objective of this scheme is to provide insurance cover to the powerloom weavers in the case of natural death, accidental death as well as partial and ...
View DetailsA group insurance scheme by MoMSME for coir workers. The scheme provides insurance cover against accidental death and permanent disability of the insured member...
View DetailsA non-contributory pension scheme to provide social security to Divyangjans aged 18 and above who belong to a poor family (BPL) in society....
View DetailsThe scheme “International Cooperation Scheme” was launched by the MSME, Govt. of India with the aim to capacity build MSMEs for entering the export market by fa...
View DetailsJute Raw Material Bank Scheme (JRMB) will be set up in the local clusters across the country in collaboration with bonafide Agencies who have adequate experienc...
View DetailsThe ‘Kera Suraksha Insurance Scheme’ is a comprehensive Group Personal Accident Insurance Scheme, implemented by Coconut Development Board in association with P...
View DetailsA group insurance scheme by MoMSME for khadi artisans (spinners and weavers). The scheme provides insurance cover against normal death, accidental death and dis...
View Details‘Kisan Vikas Patra Scheme’ was relaunched in the year 2014 by the Department of Economic Affairs, Ministry Of Finance, Government of India in view of the popula...
View DetailsA social assistance scheme sponsored by the J&K Govt. for newborn girl children born on or after 01/04/2015. The objective is to arrest the declining female sex...
View DetailsThe “Pay and Use” Community Toilets Scheme under Swachhta Udyami Yojana by NSKFDC offers concessional loans to Safai Karamcharis and their dependents for settin...
View DetailsThe scheme aims to provide a secure savings option with assured returns for women. Through this scheme, 7.5% interest and flexible savings benefits are provided...
View DetailsThere are 47 Banking schemes currently listed on DeshSeva for residents of Jammu and Kashmir, combining both centrally-sponsored and state-run programmes.
Eligibility varies per scheme. Generally, residents of Jammu and Kashmir with valid identity (Aadhaar) and state residency proof can apply for the central banking schemes; state-level programmes additionally check Jammu and Kashmir domicile and category-specific criteria like income, age, occupation or BPL status.
Open any scheme card below and read its application steps. Centrally-sponsored schemes are typically applied at the national portal, while Jammu and Kashmir-run programmes use the state department's portal. Each scheme page on DeshSeva links the exact official portal and helpline.
Yes — DeshSeva keeps the Banking × Jammu and Kashmir scheme list refreshed against the latest centrally-sponsored notifications and state department updates. Each scheme page also shows a "Last updated" date so you know when it was reviewed.
Most Banking applications in Jammu and Kashmir require Aadhaar, Jammu and Kashmir residency proof, a bank account in the applicant's name, a recent photograph, and category-specific documents (caste/income/disability/BPL certificate where applicable). The exact list is on each scheme page.