Labour & Employment Department, J&K
Government of Jammu & Kashmir
Jammu & Kashmir government department behind seed money, soft loans and a credit guarantee for entrepreneurs, and Mission YUVA, a UT-wide enterprise programme.
Labour & Employment Department, J&K at a glance
| Part of | Government of Jammu & Kashmir |
|---|---|
| Address | Srinagar, Jammu and Kashmir, India |
| Programmes | 6 standing programmes |
| Official website | labouremp.jk.gov.in |
Programs by Labour & Employment Department, J&K
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Which Labour & Employment Department, J&K programme fits you
6 programmes compared by who they are for, the stage they accept, how long they run and what they cost.
| Programme | Best for | Stage | Duration | Format | Cost |
|---|---|---|---|---|---|
| Mission YUVA | Would-be entrepreneurs in the Union Territory of Jammu and Kashmir | — | — | — | — |
| Credit Guarantee Scheme for Agriculture & Allied Sectors (under Mission YUVA) | Agriculture and allied-sector borrowers | — | — | — | — |
| Seed Capital Fund Scheme | Prospective entrepreneurs who want seed money to start a venture | — | — | — | — |
| Youth Start-up Loan Scheme | Prospective entrepreneurs with at least 10+2 qualification | — | — | — | — |
| Women Entrepreneurship ProgrammeWith Women Development Corporation | Women entrepreneurs of the State | — | — | — | — |
| Term and education loans for minority communities | Members of minority communities in the State | — | — | — | — |
Programmes they run
Standing programmes at Labour & Employment Department, J&K, separate from the funding calls above.
The department runs loans, a seed money scheme and a credit guarantee, and publishes each one on its official page or in a government order. Mission YUVA's enterprise support is a proposal in its approved plan, not a confirmed benefit.
Mission YUVA
ProgrammeA UT-wide mission to create enterprises and employment through entrepreneurship, sanctioned by the government in 2024.
Best for: Would-be entrepreneurs in the Union Territory of Jammu and Kashmir
What you get, who can apply and how to applyHide details
Mission YUVA, also called Project YUVA, is the Jammu and Kashmir government's mission to accelerate employment through entrepreneurship across the Union Territory. The government sanctioned it by an order issued in 2024. It is a multi-part plan rather than a single scheme.
What the approved plan proposes
- Initial investment support and interest subvention on microloans for setting up nano enterprises
- Interest subvention for up to five years, with a cap for each enterprise
- A numerical target for nano enterprises and collectives to be created
Who can apply
- The approved plan does not set one eligibility rule that we could confirm. Check the government order and the latest notices before you apply.
How to apply: Start from the sanction order on the department's website.
A state guarantee for credit to agriculture and allied-sector borrowers, run under Mission YUVA.
Best for: Agriculture and allied-sector borrowers
What you get, who can apply and how to applyHide details
This is a guarantee for credit, not a loan from the government. The government has sanctioned an advance for the scheme's corpus fund for the 2026-27 financial year. The advance was sanctioned in favour of the Director Employment, J&K. The corpus is used under the scheme's operational guidelines.
Who can apply
- Agriculture and allied-sector borrowers under the scheme. The sanction order does not name the eligible borrowers.
How to apply: The scheme guarantees loans given by lenders, so you apply for the loan through a lender, not to the department. The claim and eligibility rules are in the operational guidelines, which are not on the pages we read.
Seed Capital Fund Scheme
Subsidy or reimbursementAn entrepreneurship development package with non-refundable seed money equal to 35% of project cost, capped by qualification.
Best for: Prospective entrepreneurs who want seed money to start a venture
- Grant support for selected startups
What you get, who can apply and how to applyHide details
The Seed Capital Fund Scheme pairs an entrepreneurship development package with non-refundable seed money. The package covers consultation, training, sensitisation and help preparing a detailed project report. The seed money is meant to help prospective entrepreneurs start their ventures and make their projects bankable.
What you get
- Consultation, training and sensitisation for entrepreneurs
- Help preparing a detailed project report
- Non-refundable seed money equal to 35% of the project cost, capped at a level set by your qualification
Who can apply
- Prospective entrepreneurs. The cap rises with qualification, from undergraduate to professional or technical graduate.
How to apply: Details are on the department's schemes page. Check the full conditions there before you apply.
A soft loan at 6% simple interest for prospective entrepreneurs with at least 10+2 qualification, provided in an off-bank mode.
Best for: Prospective entrepreneurs with at least 10+2 qualification
What you get, who can apply and how to applyHide details
The Youth Start-up Loan Scheme is a soft loan for prospective entrepreneurs. It carries 6% simple interest and is provided in what the scheme calls an off-bank mode. The project investment ceiling rises with qualification.
What you get
- A soft loan at 6% simple interest
- A project investment ceiling set by qualification, from 10+2 up to professional or technical graduate
Who can apply
- Prospective entrepreneurs with a minimum qualification of 10+2
- Age 18 to 40 for general candidates, and 18 to 42 for differently abled applicants
Status: The department's page gives no closing date and no intake status. A third-party listing says applications are not being accepted right now. We could not confirm that from an official source, so ask the department before you plan around this scheme.
How to apply: Details are on the department's schemes page. Some third-party listings describe conditions the official page does not state, including J&K domicile and a third-party guarantee. Confirm these with the department before you apply.
Direct low-interest loans for women entrepreneurs of the State, routed through the Women Development Corporation.
Best for: Women entrepreneurs of the State
With Women Development Corporation
What you get, who can apply and how to applyHide details
The Women Entrepreneurship Programme gives women entrepreneurs of the State direct loans at a low rate of interest. The loans are routed through the Women Development Corporation.
What you get
- A direct loan at 6% a year, up to a set maximum
Who can apply
- Women entrepreneurs of the State
How to apply: Loans are routed through the Women Development Corporation, so start there.
Term loans at 6% a year and education loans at 3% a year for members of minority communities in the State.
Best for: Members of minority communities in the State
What you get, who can apply and how to applyHide details
The scheme gives credit to targeted beneficiaries of the State who belong to minority communities. Term loans carry 6% interest a year, and education loans carry 3% a year.
What you get
- Term loans at 6% a year
- Education loans at 3% a year
Who can apply
- Beneficiaries of the State who belong to a minority community. The page states no further criteria.
How to apply: Start from the department's schemes page.
News
- Mission YUVA accelerates youth enterprise push across J&K: CS Atal Dulloocrosstownnews.in · last month
- Mission YUVA accelerates youth enterprise push across J&Kdailyexcelsior.com · last month
- Mission YUVA: J&K Bank disburses loans to over 3,100 entrepreneursgreaterkashmir.com · last month
- J&K Bank drives youth empowerment with 3,100+ disbursements in 'Big Week' blitzknskashmir.com · last month
Source: Google News aggregated
How to apply to Labour & Employment Department, J&K
Choose by what you need
- Money you repay: the Youth Start-up Loan Scheme, the Women Entrepreneurship Programme, and the term and education loans for minority communities.
- Money you do not repay: the Seed Capital Fund Scheme gives non-refundable seed money.
- A guarantee for a bank loan: the Credit Guarantee Scheme for Agriculture & Allied Sectors. It is for agriculture and allied-sector borrowers, and you apply for the loan through a lender.
- A broader plan: Mission YUVA. Its enterprise support is proposed in the approved plan.
Before you apply
- Check the official scheme page for the full conditions. Some third-party listings describe conditions the official page does not state, including a J&K domicile requirement. Confirm these with the department.
- For the Youth Start-up Loan Scheme, the official page gives no closing date or intake status. Ask the department before you plan around it.
Where applications go
- Women Entrepreneurship Programme loans are routed through the Women Development Corporation.
- The credit guarantee corpus advance is sanctioned in favour of the Director Employment, J&K.
How selection works
- The pages we read do not describe a selection process for these schemes.
About Labour & Employment Department, J&K
The Labour and Employment Department of Jammu and Kashmir runs state-backed schemes for people who want to start their own enterprises in the Union Territory. Its programmes cover seed money, soft and low-interest loans, a credit guarantee for agriculture, and Mission YUVA, a UT-wide entrepreneurship mission. The department publishes its schemes and government orders on its official website.
How the programmes work
Each scheme has its own rules. The Seed Capital Fund Scheme pairs an entrepreneurship development package with non-refundable seed money, equal to 35% of the project cost. Three schemes are loans that you repay: the Youth Start-up Loan Scheme, the Women Entrepreneurship Programme, and a set of term and education loans for minority communities. The credit guarantee scheme works through lenders, so you apply for the loan to a bank rather than to the department. Mission YUVA is the umbrella plan. The government sanctioned it in 2024, and its enterprise support is a proposal in the approved plan, not a confirmed benefit.
Who can apply
Eligibility differs by scheme. The Seed Capital Fund Scheme is open to prospective entrepreneurs, and the seed money limit rises with qualification, from undergraduate to professional or technical graduate. The Youth Start-up Loan Scheme needs a minimum of 10+2 and sets age bands of 18 to 40 for general candidates and 18 to 42 for differently abled applicants. The women's loan is for women entrepreneurs in the State. The minority loans are for members of minority communities. The approved Mission YUVA plan does not set one eligibility rule that we could confirm.
Scale
The pages we read give no count of businesses or people supported. The approved Mission YUVA plan sets a numerical target for nano enterprises and collectives to be created. A target is a projection, not a result, so it is not reported here as an achievement.
Locations
Mission YUVA covers the Union Territory of Jammu and Kashmir. The women's and minority loans are for people in the State.
Who runs it
The government sanctioned the credit guarantee corpus advance in favour of the Director Employment, J&K. The Women Development Corporation runs the women's loans.
Who they work with
Stage
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Frequently asked questions about Labour & Employment Department, J&K
What is Labour & Employment Department, J&K?
Labour & Employment Department, J&K is a government body based in Srinagar, Jammu and Kashmir.
What does Labour & Employment Department, J&K do?
The Labour and Employment Department of Jammu and Kashmir runs state-backed schemes for people who want to start their own enterprises in the Union Territory. Its programmes cover seed money, soft and low-interest loans, a credit guarantee for agriculture, and Mission YUVA, a UT-wide entrepreneurship mission.
Where is Labour & Employment Department, J&K located?
Labour & Employment Department, J&K is based in Srinagar, Jammu and Kashmir, India.
What programs does Labour & Employment Department, J&K run?
Labour & Employment Department, J&K runs Mission YUVA, Credit Guarantee Scheme for Agriculture & Allied Sectors (under Mission YUVA), Seed Capital Fund Scheme and Youth Start-up Loan Scheme, among others.
Does Labour & Employment Department, J&K provide funding?
Selected startups in some Labour & Employment Department, J&K programmes can receive grant support, including Seed Capital Fund Scheme. Grant amounts are set per programme and cohort, and selection into a programme does not guarantee a grant — check the programme's own page for current terms.
What sectors does Labour & Employment Department, J&K support?
Labour & Employment Department, J&K works with startups in Manufacturing, Services, Agriculture and Handicrafts.
What stage of startup does Labour & Employment Department, J&K support?
Labour & Employment Department, J&K supports startups at the Ideation and Pre-Seed stages.
How do I apply to Labour & Employment Department, J&K?
- Money you repay: the Youth Start-up Loan Scheme, the Women Entrepreneurship Programme, and the term and education loans for minority communities. - Money you do not repay: the Seed Capital Fund Scheme gives non-refundable seed money. - A guarantee for a bank loan: the Credit Guarantee Scheme for Agriculture & Allied Sectors.
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