J&K Healthcare Interest Subsidy
By Industries & Commerce Department, Government of Jammu & Kashmir
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Quick Answer
5% interest subsidy up to ₹15 lakh per year for 5 years for healthcare and Ayush ventures in J&K.
- Funding amount
- Up to ₹15L
- Funding type
- Subsidy
- Application deadline
- Rolling
- Location
- Jammu and Kashmir
About this subsidy
Under the Healthcare & Ayush care Investment Policy 2020, an eligible venture gets a 5% interest subsidy on its borrowings, subject to a ceiling of ₹15 lakh per year for a period of 5 years.
This is a running benefit rather than a one-off: it takes 5 percentage points off the effective cost of the loan financing the project, claimed year by year against interest actually paid. For a healthcare project carrying meaningful term debt through its ramp-up, it is the incentive that matters most in the early years, when capital subsidy has already been drawn and revenues are still building.
Eligibility
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Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Subsidy providers
Provider
Industries & Commerce Department, Government of Jammu & KashmirJammu · Jammu and Kashmir · India
The Industries & Commerce Department of the Government of Jammu & Kashmir is the Union Territory's department for industrial and commercial development. Its online front door is the J&K Single Window portal, where a business registers once, applies for departmental approvals and…
Learn moreBenefits & Funding
- Amount
- Up to ₹15L
What You Get
A 5% interest subsidy on the venture's borrowings, capped at ₹15 lakh in any year and available for 5 years. It is claimed annually against interest actually paid to the lender, so the benefit runs through the project's early debt-servicing years rather than arriving as a single payout.
- Disbursement
- Reimbursement
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Application Process
- 1
Register the venture
Register the healthcare/Ayush project on the J&K Single Window portal.
You - 2
- 3
- 4
How to apply
Four steps from draft to disbursement — one action each.
- 1
See the questions before you start
Download every question this programme's application form asks, so you can prepare your answers offline before opening the portal.
- 2
Line up your documents
Keep every document from the checklist ready in one folder. Missing docs are the #1 reason applications get bounced.
- 3
Submit on the official portal
Use the official application link and verify all details before final submission.
- 4
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Frequently Asked Questions
How much interest support is available?
5% interest subsidy, subject to a ceiling of ₹15 lakh per year.
For how long?
For a period of 5 years.
Is it paid upfront?
No — it is claimed against interest actually paid on the venture's loan, year by year.
Who is eligible?
Eligible healthcare and Ayush ventures set up in the UT under the Healthcare & Ayush care Investment Policy 2020.
Sources
Data on this page is compiled from official program and provider references.
