AI SummaryTejaswini-the Radiant is a state-level scheme from Jammu and Kashmir that gives young women financial support to set up self-employment ventures matching their skills, training and local market conditions. The scheme is managed by Mission Youth J&K and offers an interest-free loan of up to ₹5 lakh through J&K Bank.
Applications for Tejaswini-the Radiant are accepted online through the official J&K employment schemes portal, and the scheme continues to support young women entrepreneurs across the union territory. Eligible women can use the support to start a new business or expand an existing one.
Tejaswini-the Radiant - Introduction
Tejaswini-the Radiant focuses on providing financial support to young women so they can launch long-term self-employment ventures that match their personal aptitude and local economic needs. The scheme helps women become financially independent by supporting many different business activities, from manufacturing and services to small-scale trading.
The scheme works toward these main aims:
- Helping women earn through manufacturing, services or small business ventures.
- Making it easier to get finance for starting new units or growing existing ones.
- Supporting the purchase of fixed assets such as machinery, equipment and furniture.
- Covering working capital needs for buying business tools and raw materials.
Eligible activities include running a canteen or restaurant, beauty parlours, cyber cafés, tailoring boutiques, training institutes, fitness or yoga centres, and many micro start-ups.
Key Information
| Scheme Name | Tejaswini-the Radiant |
|---|---|
| Level | State |
| Scheme for | Individual |
| Beneficiary State | Jammu and Kashmir |
| Category | Business & Entrepreneurship, Women and Child |
| Benefit Type | Cash |
| Nodal Department | Mission Youth J&K |
| Launch Date | 2021-09-01 |
Benefits
Eligible women can get the following financial support under this scheme:
| Benefit type | Description |
|---|---|
| Mudra Loan | Up to ₹5 lakh support through J&K Bank. |
| Interest | The loan provided is interest-free. |
| Special Incentive | Mission Youth J&K provides ₹50,000 or 10% of the project cost (whichever is lower) as a subsidy. |
| Interest Subsidy | Up to ₹0.60 lakh is provided subject to document verification. |
Eligibility
To apply for Tejaswini-the Radiant, a woman should meet the following requirements:
- She must be a female domicile of Jammu and Kashmir registered with Mission Youth.
- She must be an individual woman entrepreneur or part of an enterprise where women hold at least 50% of the financial stake.
- She should be aged between 18 and 35 years.
- She should have a minimum educational qualification of 10th standard (though the CEO may grant relaxations for deserving cases).
- She must be currently unemployed and registered with the district employment and counselling centre.
- She must not be a defaulter for any bank or financial institution.
No family income criteria apply to this scheme, but a woman can avail of this support only once.
Exclusions
A woman will not be eligible if she has already availed of loans or subsidies under other government-sponsored schemes. Existing units that have previously received government incentives are also excluded from this support.
Application Process
You should follow these steps to apply for this scheme.
STEP 1 - Open the official J&K employment schemes portal and select the Tejaswini-the Radiant application form.
STEP 2 - Complete the Aadhaar authentication step on the form by entering your Aadhaar number, mobile number and captcha, then send the OTP to verify your identity.
STEP 3 - Fill in the online application form and upload all your required documents.
STEP 4 - The district-level committee will review your application. If selected, your file will be sent for formal sanction and subsidy release.
STEP 5 - Once approved, the district lead bank officer will process your payment within 15 days.
STEP 6 - You must furnish an indemnity bond attested by a First Class Judicial Magistrate confirming you are not currently employed in government or private sectors and that you have not availed of similar benefits elsewhere.
Documents
Make sure you have the following documents ready for your application:
- Domicile certificate or ration card.
- Aadhaar card.
- Date of birth certificate.
- Matriculation certificate.
- Unemployment certificate (for new businesses).
- Project report for your intended activity.
- An affidavit declaring you will continue your trade for at least 5 years or until the loan is fully repaid.
References
Apply for Tejaswini-the Radiant on the official J&K portal
FAQ's
Is Tejaswini-the Radiant still open for applications?
Yes. The scheme is still running and applications are accepted online through the official J&K employment schemes portal.
How much loan can a woman get under this scheme?
An eligible woman can get an interest-free loan of up to ₹5 lakh through J&K Bank, along with a special incentive from Mission Youth J&K.
Who can apply for Tejaswini-the Radiant?
A female domicile of Jammu and Kashmir aged between 18 and 35 years, registered with Mission Youth and currently unemployed, can apply for the scheme.