Tejaswini-the Radiant
Tejaswini-the Radiant offers financial support to young women in Jammu and Kashmir for self-employment ventures.
Key facts
| Benefit | Loan of ₹5 lakh |
|---|---|
| Who | Women aged 18-35, unemployed, registered with District Employment Center |
| How paid | Under Mudra loan from J&K Bank |
| Implemented by | Mission Youth, Jammu and Kashmir |
| Official portal | missionyouthjk.in |
| Application window | Open all year for eligible applicants. |
Benefits
Beneficiaries can receive a loan of up to ₹5 lakh under the Mudra scheme, with interest-free repayment for the first six months. Additional subsidies may be provided based on project costs and sustainability.
Who can apply
- Age 18–35
- Women / girls only
- For: entrepreneur
- Resident of Jammu and Kashmir
- not income tax payer
- no government employee in family
- unemployed
- registered with district employment center
Eligible applicants are women aged 18 to 35, residing in Jammu and Kashmir, who are registered with the District Employment Center and are not income tax payers or government employees. They must also be unemployed and cannot have previously availed of similar government assistance.
Who is not eligible
- Existing beneficiaries of government schemes
- Individuals with prior loan defaults
- Government employees or their family members
How to apply
Applications can be submitted online through the Mission Youth Portal.
- Visit the Mission Youth Portal at missionyouthjk.in.
- Select the 'Scheme' option.
- Choose 'Tejaswini - The Radiant' and click on 'Apply Now'.
- Complete the online form with required details.
- Upload necessary documents as specified.
- Submit the application for review by the District Level Committee.
- Await approval and loan disbursement from the District Lead Bank Officer.
Documents required
- Domicile Certificate/ Ration Card
- Aadhaar Card
- Date of Birth Certificate
- Matriculation Certificate
- Unemployment certificate (if applicable)
- Project report of the activity intended to be financed
- Affidavit for continuing trade for 5 years or till loan liquidation
Common problems and how to fix them
| Problem | What to do |
|---|---|
| Application rejected | Ensure all required documents are submitted and eligibility criteria are met before reapplying. |
| Loan not disbursed | Contact the District Lead Bank Officer to check the status of loan processing after approval. |
Frequently asked questions
What documents are required to apply?
Applicants need to provide a Domicile Certificate or Ration Card, Aadhaar Card, Date of Birth Certificate, Matriculation Certificate, and a project report, among others.
Can I apply if I have previously received a government loan?
No, individuals who have availed of any financial assistance under government schemes are not eligible to apply for this scheme.
Is there an age limit for applicants?
Yes, applicants must be between 18 and 35 years of age to qualify for the scheme.
What happens if I default on the loan?
In case of default, the bank will recover the outstanding amount, and legal action may be initiated if the funds are misused.
How long does the application process take?
The loan amount is typically processed and disbursed within 15 days after approval by the District Level Committee.
Can I apply for this scheme if I am currently employed?
No, applicants must be unemployed and not currently working in any government or private sector job.
Always confirm the latest details on the official portal before applying.
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