J&K Tejaswini Scheme Women Empowerment Loan up to ₹5 Lakh: How to Apply

What is J&K Tejaswini Scheme?

The Tejaswini Scheme (also called "Tejaswini — The Radiant") is a women empowerment initiative launched by the Jammu & Kashmir government under Mission Youth. It provides financial assistance up to ₹5 lakh as an interest-free loan to young women in J&K for starting self-employment ventures.

The scheme aims to:

• Empower women to start their own business in manufacturing, services, trading, or small business
• Provide soft finance for setting up a new unit or expanding/modernising an existing enterprise
• Support asset acquisition — plant & machinery, equipment, furniture & fixtures
• Meet working capital needs for purchase of products, equipment, and tools

Tejaswini is one of the flagship livelihood generation schemes under Mission Youth, J&K, and has helped thousands of women across the Union Territory become financially independent.

Who is Eligible?

To apply for the J&K Tejaswini Scheme, you must meet these eligibility criteria:

• Gender: Only women applicants
• Age: Between 18 to 35 years
• Education: Minimum 10th pass (matriculation)
• Domicile: Must be a domicile of Jammu & Kashmir
• Registration: Must be registered with Mission Youth, J&K
• Ownership: Individual women or women entrepreneur(s) holding not less than 50% financial holding in the enterprise
• No default: Applicant should not be a defaulter to any bank or financial institution
• Unemployed: Only unemployed women are eligible

Preference is given to women entrepreneurs trained at R-SETIs (Rural Self Employment Training Institutes), Skill Development Institutions, or other recognised training institutes.

Documents Required

Keep these documents ready before applying:

1. Aadhaar Card — for identity verification
2. Domicile Certificate — proof of J&K residency
3. Age Proof — birth certificate, 10th marksheet, or Aadhaar
4. Educational Qualification Certificate — 10th pass certificate or above
5. Passport-size Photographs — recent colour photos
6. Bank Account Details — account number, IFSC code, passbook copy
7. Business Plan / Project Report — details of the proposed business activity
8. Training Certificate (if any) — from R-SETI, skill development institute, etc.
9. Residential Proof — ration card, voter ID, or utility bill
10. Self-declaration — stating you are not a defaulter to any bank/financial institution

All documents should be self-attested. Keep both original and photocopies handy for verification.

Step-by-Step Application Process

You can apply for the Tejaswini Scheme online through the Mission Youth portal. Here's how:

Step 1: Visit the Official Website

Go to the Mission Youth website at missionyouth.jk.gov.in. Click on the "Schemes" tab on the homepage.

Step 2: Find Tejaswini Scheme

On the Schemes page, look for "Tejaswini — The Radiant" under the Livelihood Generation section. Click on it to see the scheme details.

Step 3: Click "Apply for Tejaswini"

Click the "Apply for Tejaswini" button. You will be redirected to the J&K Government Scholarship/Scheme portal at jkgss.jk.gov.in.

Step 4: Start Online Application

On the JKGSS portal, find the "Tejaswini The Radiant" section and click "Apply Now".

Step 5: Verify Your Identity

Enter your Aadhaar number and mobile number. Click "Send OTP" and enter the OTP received on your mobile to verify your identity.

Step 6: Fill the Application Form

Complete all the required details in the application form:

• Personal information (name, age, address)
• Educational qualifications
• Business/project details
• Bank account information
• Upload required documents

Step 7: Submit the Application

Review all details carefully and click "Submit". Save or print the acknowledgement receipt for future reference.

Step 8: Wait for Processing

After submission, your application will be reviewed by the concerned authorities. You can track your application status on the same portal.

Benefits of J&K Tejaswini Scheme

Key Highlights

• No collateral required for small loan amounts
• Interest subvention is provided by the J&K government — you repay only the principal
• Linked with Mission Youth for additional mentorship and support
• Covers a wide range of business activities suited to local conditions and skills

Important Tips

1. Register on Mission Youth first — You must be registered on the Mission Youth portal before applying for Tejaswini. Visit missionyouth.jk.gov.in and create your profile.

2. Prepare a strong project report — A clear, realistic business plan increases your chances of approval. Get help from your nearest R-SETI or District Industries Centre if needed.

3. Check for training opportunities — Applicants with training certificates from recognised institutes get preference. Look for free skill development programmes in your district.

4. Keep all documents updated — Ensure your Aadhaar, domicile certificate, and bank details are current and matching. Mismatched information can delay your application.

5. Track your application regularly — After submission, check the JKGSS portal periodically for updates on your application status.

Frequently Asked Questions (FAQs)

What is the maximum loan amount under the Tejaswini Scheme?

The maximum loan amount is ₹5 lakh (₹5,00,000). The actual amount sanctioned depends on your project report and business requirements.

Is the Tejaswini Scheme loan completely interest-free?

Yes, the loan is interest-free. The J&K government provides interest subvention, so you only need to repay the principal amount.

What is the age limit for J&K Tejaswini Scheme?

The applicant must be between 18 to 35 years of age at the time of applying.

Can married women apply for the Tejaswini Scheme?

Yes, both married and unmarried women can apply, as long as they meet the eligibility criteria (age, education, domicile, and unemployment status).

What type of businesses can I start with this loan?

You can start any gainful self-employment activity including manufacturing, services, trading, retail shops, food processing, handicrafts, beauty parlours, tailoring units, and other small businesses suited to your skills and local conditions.

How long does it take to get the loan approved?

The processing time varies, but typically it takes 4 to 8 weeks after submission of the complete application with all documents.

Can I apply if I already have a small business?

Yes, the scheme also covers expansion and modernisation of existing businesses run by women, provided you meet the eligibility criteria and are not a defaulter to any bank.

Where can I get help with my application?

You can visit your nearest District Employment & Counselling Centre, R-SETI, or the Mission Youth office in your district for guidance and support with the application process.

Looking for more government schemes? Check out our guides on PM Mudra Yojana and Aadhaar Card — How to Apply for more useful information.

Disclaimer: This guide is for informational purposes only. Scheme details, eligibility criteria, and benefits may change over time. Always verify the latest information on the official Mission Youth website at missionyouth.jk.gov.in before applying. CitizenNest is not affiliated with any government body.