Service Details

Apply For Scheme;

Tejaswini (The Radiant)


(A customized Livelihood Generation Scheme For Young women Of Jammu & Kashmir)


                The “TEJASWINI” scheme proposes to provide financial assistance to young women for setting up gainful self-employment ventures, suited to their skills, training, aptitude and local conditions. The scheme aims at empowering and encouraging young women for income generation activities either in manufacturing, service, trading or small businesses. Besides financing for the new units/enterprise, the scheme provides financial assistance to the existing units for expansion and modernisation.


Eligibility for Registration:

i)             Any female domicile of District Shopian, essentially registered with Mission Youth, J&K.

ii)            All the unemployed young women of the district, Shopian between the age group of 18-35 having qualification of 10th and above. Provided that CEO Mission Youth shall be competent to relax the educational qualification criteria for deserving candidates on a case to case basis, based on proper justification.

iii)          Any individual woman/ women entrepreneur (s)/ enterprise where women entrepreneur(s) hold not less than 50% of financial holding. Preference will be given to the categories of women entrepreneurs trained in R-SETI’s/ Skill Development Institutions etc. any other training institute.

iv)          The applicant should not have availed any kind of financial assistance/incentive/subsidy under any self-employment scheme run by the Government and should not be a defaulter to any Bank/Financial institute.

v)            The applicant must be Unemployed and registered with District Employment and Counselling centre Shopian.

vi)          Any person or any, existing units and the units which have already availed any incentive or subsidy under any government scheme shall not be eligible for assistance under the scheme

vii)         Re-payment of Financial Assistance provided under this scheme shall be interest-free.

viii)        No criteria regarding the income of the family would be considered for eligibility under this scheme.

ix)          One woman can seek the assistance under this scheme only once.


Activities covered under the scheme:

Under the scheme, the eligible potential female entrepreneur can seek financial assistance for the below-listed activities.

i)             Canteen and Restaurant

ii)            Computerised Desktop publishing

iii)          Creche

iv)          Cyber Cafe

v)            Beauty Parlour

vi)          Daycare centre

vii)         Laundry & Dry Cleaning

viii)        Mobile Repairing

ix)          Photocopying (Xerox) Centre

x)            Boutique/ Tailoring

xi)          Training Institute

xii)         Fitness Centre

xiii)        Yoga Centre

xiv)        Any other profitable activity/ Micro Start-up/ Small business unit of similar nature


Mode of Financial Assistance:

a)    Under the scheme, the eligible potential female entrepreneur shall be facilitated to avail financial assistance under a Mudra loan from J&K Bank to the extent of Rs 5.00 lakh.

b)   The Scheme Banking Partner shall extend the loan facility to the extent of 100% of the project cost under the scheme.

c)    Mission Youth, J&K shall provide an amount of Rs. 50,000 or 10% of Project cost(whichever is minimum) as a special incentive (subsidy) towards the loan account of the beneficiary under the scheme which shall be adjusted towards the monthly instalment of the loan for the first six months.

d)   The interest subsidy so provided under the scheme shall be limited to an aggregate of Rs 0.60 lakh per beneficiary only.

e)    The interest subsidy, however, shall be provided only on the production of necessary documents (including Bank statement/ Income Tax statement/ certificate by DLIC) testifying the sustainability of the activity.

f)     The amount of self-assistance provided by Mission Youth (MY) has to be compulsorily utilised for self-employment generation only.

g)   If the total project cost of the self-employment unit to be set up by the beneficiary exceeds Rs 5.00 lakh, the amount over and above shall have to be self-financed by the applicant.



How to Apply:-


In order to avail the benefits under the “TEJASWINI” scheme, the candidate has to visit official portal by entering the URL . Once registered with the portal, keep your Registration No. for future reference.


The eligible desirous candidates can also submit the form via offline mode at District Employment & Counseling Centre, Shopian.


Following documents need to be submitted/uploaded by the applicant along with the application form:

i) Ration card/Domicile certificate/Aadhaar Card.

ii) D.O.B Certificate.

iii) Project report of the activity intended to be financed.

iv) Unemployment Certificate.

v) The applicant will submit an affidavit to the effect that applicant will continue the trade for a period not less than 5 years or till the liquidation of loan amount in full, whichever is later.



Desirous eligible candidates are further advised to register with the District Employment & Counselling Centre Shopian online at before applying for the scheme.


For Further Details Contact:-

Deputy Director, District Employment & Counseling Centre, Shopian.

Email :