Loan Based Schemes For Safai Karamchari - Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur 2026

This scheme provides crucial relief and rehabilitation support to Kashmiri migrants uprooted during militancy, as well as Read More... other affected individuals in Jammu and Kashmir. Read less

Details

The Security Related Expenditure (Relief and Rehabilitation) or SRE (R&R) Scheme is a vital government initiative launched in 1989-90. Its main goal is to help Kashmiri migrants who had to leave their homes due to militancy. The scheme also supports other relief and rehabilitation efforts in Jammu and Kashmir. It's part of the larger 'Modernization of Police Forces (MPF)' umbrella scheme and is fully funded by the Central Government. The scheme reimburses expenses incurred by the Jammu and Kashmir government for maintaining peace and providing essential support to those affected by conflict.

What Is This Scheme?

The SRE (R&R) Scheme was introduced to address the significant costs borne by the Government of Jammu and Kashmir in managing the aftermath of militancy. It focuses on providing financial assistance and support for the rehabilitation of individuals and families affected by violence. The scheme operates on a reimbursement basis, where the Central Government covers 100% of the eligible expenditure incurred by the state.

Who Can Benefit From This Scheme?

This scheme is designed to help various groups. This includes Kashmiri and Jammu migrants, families of civilians and security personnel killed in militant attacks, surrendered militants, and individuals affected by cross-border firing and terrorism. It also offers support for the rehabilitation of West Pakistani refugees.

Why This Scheme Is Important

The SRE (R&R) Scheme plays a critical role in restoring normalcy and providing a safety net for those who have suffered due to conflict in Jammu and Kashmir. By reimbursing expenses for relief and rehabilitation, the Central Government aids the state in its efforts to support vulnerable populations, facilitate returns, and build a more secure environment.

Objective

This scheme provides crucial relief and rehabilitation support to Kashmiri migrants uprooted during militancy, as well as other affected individuals in Jammu and Kashmir.

Benefits

Term loan with a maximum unit cost ofRs.50.00 lacsat an interest rate of4%, for any viable income-generating schemesincluding sanitation-related activities.

Arebate of1%per annum on interest will be admissible towomen beneficiaries.

Arebate of 0.5%per annum will be extended for the beneficiaries fortimely repayment.

Repayment period:Up to 10 yearsafter an implementation period of4 monthsand a moratorium of6 monthsand from the date of disbursement of the loan depending on the viability/profitability and repaying capacity of the unit.Note:Loans are extended through Channelizing Agencies (CAs) i.e. State Channelizing Agencies (SCAs), Regional Rural Banks (RRBs), and Public Sector Banks (PSBs) to the target group.

Sources and references

Scheme Guidelines

Eligibility Criteria

The main beneficiaries of this scheme are:

Kashmir Migrants
Jammu Migrants

How To Apply

The Security Related Expenditure (Relief and Rehabilitation) scheme primarily involves the reimbursement of expenses incurred by the Government of Jammu and Kashmir. Therefore, individual citizens do not directly apply for benefits under this scheme. The process involves the State Government submitting claims to the Central Government for reimbursement.

Claims Submission:

Claims for reimbursement must be submitted using the prescribed Proforma mentioned in Annex C of the scheme. These claims need to be duly certified by an officer not below the rank of Additional Secretary to the concerned State Government.

Documents Required

For J&K Migrants, the following documents are generally needed for identification and banking purposes, although direct application by individuals is not the norm:

Aadhaar Number
Domicile Certificate
Details of the Aadhaar-linked Bank Account

FAQ’s

What is the SRE (J&K): Relief and Rehabilitation (R&R) scheme, and when did it start?

The SRE (J&K): Relief and Rehabilitation (R&R) scheme was introduced in 1989-90. Its main purpose is to reimburse the costs incurred by the Government of Jammu and Kashmir for various relief and rehabilitation activities needed to maintain peace and security.

Can you explain who is covered by the SRE(J&K): Relief and Rehabilitation (R&R) scheme?

The scheme provides support to several groups, including Kashmiri and Jammu Migrants, civilians and security personnel's families affected by violence, populations in border areas facing cross-border firing, and victims of terrorism. It also covers the rehabilitation of surrendered militants.

What is the financial arrangement for projects under the SRE scheme?

The Central Government provides 100% funding for schemes and projects under SRE. The release of funds is managed through an approval process and requires certification from authorized State Government officials. For certain components, the funding ratio may vary.

What is the role of the SRE Standing Committee in the scheme's operation?

The SRE Standing Committee, led by the Special Secretary (J&K) in the Department of Jammu and Kashmir Affairs, is responsible for overseeing the reimbursement of SRE to the State of Jammu and Kashmir. This committee reviews and approves SRE proposals and keeps track of fund releases.

Are there specific application deadlines for individuals under the SRE scheme?

No, there are no specific opening or closing dates mentioned for individual citizens to apply for benefits. The scheme operates primarily on a reimbursement basis between the government entities.

How are accounts and expenditures reviewed under the SRE(R&R) scheme by the Ministry of Home Affairs?

The Ministry of Home Affairs may send teams to conduct spot checks on the SRE(R&R) accounts maintained by the State Government. These reviews involve discussions about how the funds have been used and utilized.

Is it possible for citizens to directly receive funding from the SRE scheme for their projects?

No, citizens cannot directly access funding under the SRE scheme. The scheme is designed for reimbursement to the Government of Jammu and Kashmir for expenses it incurs on relief and rehabilitation measures.

What is the procedure for submitting reimbursement claims under the SRE scheme?

Claims for reimbursement must be submitted using the specific Proforma detailed in Annex C of the scheme. Crucially, these claims must be certified by an official who holds the rank of Additional Secretary or higher within the relevant State Government department.

When did the SRE scheme begin to be effective, and what is the funding model?

The SRE scheme became effective from the financial year 2000-01, starting April 1, 2000. It operates on a 100% fund reimbursement model from the Central Government. However, the exact funding ratio can differ for various components of the scheme.

What are the full forms of the abbreviations IFD-MHA and CCS?

IFD-MHA stands for the 'Internal Finance Division, Ministry of Home Affairs,' and CCS refers to the 'Cabinet Committee on Security.' These are relevant administrative bodies in the government's functioning.

Under what conditions can advance payments be considered for the SRE(J&K): R&R) scheme?

Advance payments can be considered in special circumstances, subject to the approval of the SRE Standing Committee. Additionally, advances for the first quarter of any financial year may be released.

Does the SRE scheme have specific application windows for individuals?

The scheme details do not mention any specific opening or closing dates for citizens to apply for benefits. The mechanism is primarily focused on government reimbursements.

How are applications handled for individuals or groups wanting to participate in SRE schemes?

The SRE schemes are managed mainly between the Central Government and the State Government. Individual citizens are not direct applicants or participants in the application process for these schemes.