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J&K Government Schemes and Policies: Complete Revision Notes

Detailed coverage of key government schemes and policies in Jammu & Kashmir announced in recent budgets. Includes exact financial allocations, target beneficiaries, eligibility criteria, and key MCQs. Features initiatives across social security, entrepreneurship, rural development, health, and transport.

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J&K Government Schemes and Policies: Complete Revision Notes

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Detailed coverage of key government schemes and policies in Jammu & Kashmir announced in recent budgets. Includes exact financial allocations, target beneficiaries, eligibility criteria, and key MCQs. Features initiatives across social security, entrepreneurship, rural development, health, and transport.

Overview of J&K Government Schemes

The lecture provides a comprehensive review of 19 government schemes and policies relevant to Jammu and Kashmir.
The content covers five major sections: Welfare & Social Security; Youth, Employment & Industry; Agriculture & Rural Development; Health & Education; and Energy, Transport & Basic Services.
Must knowThe key facts and data points are sourced directly from official announcements, budget speeches, and economic surveys.

Welfare & Social Security: LPG and Free Electricity

The Jammu and Kashmir Chief Minister's Free LPG Scheme provides six free domestic LPG refills every year to eligible Antyodaya Anna Yojana (AAY) households.
Eligible households for the Free LPG Scheme are verified through the AePDS database, and the scheme is run by the Department of Food, Civil Supplies and Consumer Affairs.
Must knowThe Chief Minister's Free LPG Scheme was approved by the Cabinet on 10 September 2026 for a duration of four years.
Under the PM Surya Ghar: Muft Bijli Yojana, eligible AAY households receive 200 units of free electricity every month.
In May 2026, the Cabinet authorized power DISCOMs to install 2 kW rooftop solar systems on AAY homes under the RESCO / Utility-Led Aggregation (ULA) model.
Must knowThe Budget Speech set a target of covering 2.22 lakh AAY households with rooftop solar power systems.

Free Ration, Marriage Assistance, and Social Pensions

Under the Free Ration initiative, AAY families receive 10 kg of free ration per person, as announced in the Budget.
Must knowThe financial assistance for girls of AAY families under the Marriage Assistance Scheme was raised from 50,000 to 75,000 rupees.
About 44,302 girls benefited from the Marriage Assistance Scheme in the 2025-26 fiscal cycle.
Social pensions for vulnerable populations (elderly, widows, divorcees, and persons with disabilities) provide 1,250 rupees per month for individuals below 60 years.
Must knowThe monthly social pension is 1,500 rupees for individuals aged 60 to 80 years, and 2,000 rupees for individuals above 80 years.
The total number of social pension beneficiaries increased to 10.19 lakh, with the yearly pension outlay rising to about 1,755 crore rupees.

Category	Monthly Pension Amount
Below 60 years	1,250 rupees
60 to 80 years	1,500 rupees
Above 80 years	2,000 rupees

Student and Orphan Support and Free Bus Travel

Students belonging to AAY families receive a full fee waiver from Class 9 up to college.
Must knowAround 6,000 orphan children receive monthly financial assistance of 4,000 rupees per month.
The Ladli Beti Scheme has approximately 1.92 lakh girls enrolled, and 70 crore rupees was provided as scholarships for tribal students.
Free bus travel for women in Jammu and Kashmir began on 1 April 2025, flagged off from SKICC, Srinagar.
Women travel on a zero-fare ticket in Smart City electric buses and JKSRTC buses.
Must knowThe Budget Speech extended this free travel facility in government buses to persons with disabilities.

Youth, Employment & Industry: Mission YUVA and Startups

Mission YUVA stands for Yuva Udyami Vikas Abhiyan, a dedicated youth entrepreneurship mission launched on 28 June 2025.
Must knowThe mission aims to establish 1.37 lakh enterprises and generate 4.25 lakh jobs within five years.
Mission YUVA operates on four foundational pillars: Culture, Capital, Capacity, and Connectivity.
The J&K Startup Policy (2024-27) is administered by the Industries and Commerce Department and supported by JKEDI.
Must knowStartups can receive a one-time seed funding of up to 20 lakh rupees, disbursed across four installments.
Twelve incubation centres receive a capital grant of 50 lakh rupees each at premier institutions like IIT Jammu, NIT Srinagar, SKUAST-K, and SKUAST-J.
The target of Lakhpati Didis (self-help group women earning at least 1 lakh rupees annually) was set at 40,000, but over 2 lakh women achieved this milestone.
A Unity Mall with an estimated cost of approximately 200 crore rupees was announced to facilitate the sale of local products.

Agriculture & Rural Development Initiatives

The Holistic Agriculture Development Programme (HADP) comprises 29 projects with a total financial outlay of 5,013 crore rupees.
Under HADP, high-density apple plantation has been expanded across 20,034 hectares covering agriculture, horticulture, and allied sectors.
JKCIP stands for Competitiveness Improvement of Agriculture and Allied Sectors Project, supported by Kisan Khidmat Ghars (KKG) as single-window advisory centres.
Must knowUnder the PM Dhan-Dhaanya Krishi Yojana, two districts in J&K—Kishtwar and Baramulla—were selected among 100 national districts with low farm output.
A weather-based crop insurance cover was introduced specifically for apple, saffron, mango, and litchi.
An Aromatic and Medicinal Plant Mission with an allocation of 150 crore rupees was announced.
Embryo Transfer Technology (ETT) laboratories for livestock improvement will be established in every district.
One hundred Van Dhan Vikas Kendras are planned to be set up to empower tribal communities.

Health, Education, and EV Policies

Must knowAB-PMJAY SEHAT provides a health cover of up to 5 lakh rupees per family on a family floater basis to all residents of J&K.
Approximately 87.64 lakh Ayushman (Golden) cards have been issued to residents under the health scheme.
Under educational upgrades, 1,000 anganwadi centres are to be converted into Bal Vidyalayas, and 4,200 smart classrooms have been set up.
JK e-Pathshala was announced as a dedicated DTH educational channel.
Must knowThe J&K Electric Vehicle Policy 2026 is a six-year plan (2026-2032) targeting 1.40 lakh electric vehicles by 2032.
The EV Policy plans for 900 public charging stations (including 140 fast-charging hubs) and offers a 3% to 5% interest subvention on EV loans for up to 36 months.
EV early buyers receive subsidies: 15 lakh rupees each for the first 300 e-buses, 1 lakh rupees each for the first 1,500 cars, and 5,000 rupees each for the first 10,000 two-wheelers.

Energy, Utilities, and Disaster Mitigation

The City Gas Distribution (CGD) Policy 2026 covers all 20 districts of J&K to supply Piped Natural Gas (PNG) and Compressed Natural Gas (CNG).
Priority gas connections are designated for industrial estates located in Kathua, Samba, and Pulwama.
Under the Jal Jeevan Mission, approximately 15.02 lakh rural households (81%) have received tap water connections, and 867 villages are certified as Har Ghar Jal.
Approximately 10.44 lakh smart meters have been installed across the UT to curtail transmission and distribution losses.
Must knowThe Disaster Risk Mitigation Fund was instituted with an initial corpus of 39 crore rupees.
The turnaround time to disburse disaster relief has been curtailed from 5-6 months down to 15-20 days.
Chief Minister Omar Abdullah reviewed the draft J&K Hydropower Policy 2026 on 29 September 2026.

Key terms

AAY: Antyodaya Anna Yojana, identifying the poorest socio-economic households eligible for targeted state subsidies.
RESCO: Renewable Energy Service Company model where a third-party developer installs and operates solar systems.
KKG: Kisan Khidmat Ghar, a single-window physical help centre providing advisory and inputs to farmers.
Lakhpati Didi: A self-help group woman member who earns a sustainable net income of at least 1 lakh rupees per year.
HADP: Holistic Agriculture Development Programme, encompassing 29 integrated projects in agriculture and allied sectors.

Quick revision

Chief Minister's Free LPG Scheme provides 6 free domestic cylinder refills per year to AAY families.
The PM Surya Ghar scheme delivers 200 units of free power per month via 2 kW rooftop solar setups.
Financial aid for AAY girls under the Marriage Assistance Scheme is 75,000 rupees.
Monthly social pension for senior citizens between 60 and 80 years of age is 1,500 rupees.
Orphan children receive monthly welfare assistance of 4,000 rupees under J&K budget provisions.
Mission YUVA targets 1.37 lakh enterprises and 4.25 lakh jobs within a 5-year framework.
Maximum seed capital offered under the J&K Startup Policy is 20 lakh rupees paid in four installments.
Kishtwar and Baramulla are the two districts selected under the PM Dhan-Dhaanya Krishi Yojana.
The weather-based crop insurance specifically covers apple, saffron, mango, and litchi.
The J&K Electric Vehicle Policy targets 1.40 lakh electric vehicles and 900 charging stations by 2032.
The Disaster Risk Mitigation Fund was initiated with an outlay corpus of 39 crore rupees.

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