J&K Kisan Samman — State Top-Up on PM-KISAN — ₹4,000/year additional top-up paid by J&K UT administration over and above the central PM-KISAN ₹6,000/year — total effective income support ₹10,000/year for eligible small and marginal farmers; paid in two instalments of ₹2,000 directly to Aadhaar-linked bank account; for farmers with cultivable land up to 2 hectares registered in J&K land records
J&K High Density Apple Plantation Mission — 75% subsidy on cost of high-density apple saplings, trellis system, drip irrigation, and anti-hail nets under the Mission for Integrated Development of Horticulture (MIDH); additional 50% subsidy on cold storage infrastructure; average subsidy payout ₹1.5–3 lakh per hectare depending on orchard density; free technical training and soil testing for registered horticulture farmers in J&K
Tejaswini — J&K Women SHG Empowerment Scheme — Interest-free loans up to ₹5 lakh for women SHG members; seed money of ₹15,000 per new SHG; revolving fund support; skill training in handicrafts (pashmina weaving, carpet making, willow wicker), food processing, and agro-based enterprises; market linkage via J&K Handicrafts Emporium and online platforms; NRLM-backed community investment fund of ₹2.5 lakh per village organisation
Ladli Beti Scheme (J&K) — ₹1,000/month deposited by J&K Government in a fixed deposit in the name of a girl child from birth until she turns 21 — total government corpus of ₹2.52 lakh with compounded interest estimated to reach ₹6.5 lakh at maturity; girl receives the full matured amount at age 21; for families with annual income below ₹75,000; also covers girls born to migrant Kashmiri Pandits
Old Age Pension Scheme (J&K) — ₹1,000/month pension for senior citizens aged 60 years and above who are destitute or BPL; ₹1,500/month for those aged 80 years and above; paid via DBT directly to Aadhaar-linked bank account; for J&K domicile holders with no other government pension; ~3.5 lakh beneficiaries across J&K; enhanced under NSAP + UT top-up
Widow Pension Scheme (J&K) — ₹1,000/month financial assistance for widows aged 18 years and above who are destitute or BPL; paid via DBT to Aadhaar-linked bank account; for J&K domicile holders; includes widows of militants/terrorists and ex-servicemen who do not receive any government pension elsewhere; over 1.5 lakh beneficiaries in J&K
Disability Pension Scheme (J&K) — ₹1,000/month pension for persons with 40% or more disability (locomotor, visual, hearing, speech, mental illness, intellectual) who are destitute or BPL; paid via DBT to Aadhaar-linked bank account; for J&K domicile holders; disability certificate from the Chief Medical Officer (CMO) / Medical Board is mandatory
SEHAT — Social Endeavour for Health & Telemedicine (J&K) — ₹5 lakh cashless health insurance per family per year for ALL J&K domicile holders — unique in being universal (not limited to BPL); covers hospitalisations, surgeries, cancer, cardiac care, dialysis, orthopaedic procedures and 1,500+ medical packages at empanelled government and private hospitals across India; includes ₹1,500 transport allowance per hospitalisation; also covers pre-existing diseases from day 1; launched by PM Modi in 2020 as extension of Ayushman Bharat
J&K Super-75 Scholarship Scheme — Full fee waiver + ₹1,000/month stipend for top 75 meritorious students from each district of J&K who pass Class 10 with 75%+ marks and secure admission in government degree colleges; additionally, J&K's Prime Minister's Special Scholarship Scheme (PMSSS) provides ₹30,000/year academic allowance + ₹1 lakh/year maintenance for students from J&K studying professional and technical courses in institutions outside J&K
Post Matric Scholarship — SC / ST / OBC (J&K) — Full tuition fee reimbursement + maintenance allowance for SC/ST/OBC students of J&K studying in Class 11 and above — maintenance allowance ranges from ₹300–1,200/month depending on course level and hostel/day-scholar status; for SC/ST students with family income up to ₹2.5 lakh and OBC students with income up to ₹1.5 lakh; over 1.2 lakh students covered annually in J&K
PMAY-Gramin — J&K Enhanced Housing Assistance — ₹1.30 lakh financial assistance for construction of pucca houses for BPL rural households in J&K (higher than plains rate of ₹1.20 lakh as J&K is classified as hilly/difficult terrain); 90 person-days of MGNREGS unskilled labour wages additionally provided; must include toilet (SBM-linked); J&K UT also provides ₹50,000 additional top-up from UT funds for Scheduled Tribe households; payment in 3 geo-tagged instalments
HIMAYAT — Skill & Placement Programme (J&K) — Free skill training of 3–12 months for J&K youth aged 15–35 in 40+ trades — IT/ITeS, banking, retail, hospitality, beauty & wellness, electronics, construction, healthcare, and tourism; 100% training cost borne by government; ₹1,000–2,500/month stipend during training; post-training placement support with minimum ₹10,000/month salary guaranteed; special focus on youth from militancy-affected districts; training conducted at empanelled institutes across India
Back to Village Programme — Saturation of Entitlements (J&K) — Government officers visit every panchayat to ensure 100% saturation of all central and UT welfare schemes — BPL ration cards, PM-KISAN, Ayushman/SEHAT, PMAY, scholarship, pension — to eligible residents on the spot; on-site Aadhaar seeding, account opening, and document correction done free of charge; grievances resolved within 30 days; specifically designed to reach remote villages of J&K including border areas