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The Tejaswini scheme provides financial help to young women in J&K to start their own businesses based Read More... on their skills and local opportunities. Read less
Details
Are you a young woman in Jammu & Kashmir with a business idea? The Tejaswini scheme, meaning 'the Radiant', is here to help you turn your dreams into reality.
What Is This Scheme?
Tejaswini is a special initiative designed to give financial assistance to young women. It aims to help them set up businesses that are suited to their talents, training, and the local environment. The scheme focuses on empowering women through income generation and provides support for new ventures or expanding existing ones.
Who Can Benefit From This Scheme?
This scheme is specifically for young women who are domiciled in Jammu & Kashmir. It's for those who are registered with Mission Youth, J&K, and are looking to start or grow a business. The scheme welcomes individual women entrepreneurs or groups where women hold at least 50% of the financial stake. Special preference is given to women who have received training from institutes like R-SETIs or other skill development centers.
Why This Scheme Is Important
Tejaswini plays a crucial role in empowering women by providing them with the financial resources and support needed for self-employment. It encourages women to take up income-generating activities in various sectors like manufacturing, services, and trading. By facilitating access to soft finance and offering subsidies, the scheme helps reduce the financial burden on beneficiaries and promotes sustainable business growth, contributing to their economic independence.
Objective
Benefits
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Eligibility Criteria
- You must be a female domicile of Jammu & Kashmir and registered with Mission Youth, J&K.
- You can apply as an individual woman entrepreneur or as part of a group where women own at least 50% of the financial stake.
- Preference will be given to women entrepreneurs trained at Rural Self Employment Training Institutes (R-SETIs), Skill Development Institutions, or similar training centers.
- You should not have defaulted on any loan from a Bank or Financial Institution.
- You must be between 18 to 35 years old and have passed at least 10th standard. The CEO of Mission Youth can relax the educational criteria for deserving candidates.
- You must be unemployed and registered with your concerned District Employment & Counseling Center.
- There is no family income limit to be eligible for this scheme.
- You can receive assistance under this scheme only once.
- The financial assistance provided by Mission Youth must be used strictly for self-employment generation.
- If your total project cost is more than Rs 5.00 lakh, you will need to arrange the remaining amount through your own finances.
How To Apply
To apply for the Tejaswini scheme, you need to follow these steps:
- Ensure you are registered with Mission Youth, J&K.
- Prepare your project report detailing the business activity you intend to finance.
- Gather all the required documents as listed.
- Submit your application along with the necessary documents. For specific application links or submission details, please refer to the official notifications from Mission Youth, J&K.
Important: For the most accurate and up-to-date application submission details, please visit the official website of Mission Youth, J&K: https://missionyouth.jk.gov.in/
Documents Required
- Domicile Certificate or Ration Card
- Aadhaar Card
- Date of Birth Certificate from the competent authority
- Matriculation Certificate (10th pass certificate)
- Unemployment Certificate (only if you are applying for a new business)
- A detailed Project Report of the business you plan to start
- An affidavit stating that you will continue the business for at least 5 years or until your loan is fully repaid, whichever is longer.
FAQ’s
Who can get the benefit of the Tejaswini scheme?
The Tejaswini scheme is for young women who are domiciled in Jammu & Kashmir. They must be registered with Mission Youth, J&K, be between 18-35 years old, have at least 10th-grade education, and be unemployed. Women entrepreneurs with at least 50% financial holding in an enterprise are also eligible. Preference is given to those trained in skill development institutes.
What kind of businesses can be started under this scheme?
The scheme supports a wide range of profitable activities for self-employment. This includes businesses like canteens, restaurants, computer services, crèches, beauty parlours, tailoring, mobile repair shops, cyber cafes, laundry services, and even training institutes. Basically, any profitable micro start-up or small business unit suitable for women can be considered.
Is there any income limit to apply for Tejaswini?
No, there is no income criterion for a family to be eligible for the Tejaswini scheme. If you meet the other requirements, you can apply regardless of your family's income.
How much financial aid can I get from the Tejaswini scheme?
Under the Tejaswini scheme, you can receive financial assistance up to Rs. 5 lakh. This is provided as a Mudra loan from J&K Bank. Additionally, Mission Youth, J&K offers a special incentive of Rs. 50,000 or 10% of the project cost (whichever is minimum) and an interest subsidy of up to Rs. 0.60 lakh.
Does the scheme cover interest on the loan?
Yes, the financial assistance provided under the Tejaswini scheme is interest-free. Furthermore, Mission Youth, J&K provides an interest subsidy of up to Rs. 0.60 lakh per beneficiary to help manage business costs, provided you show proof of the business's sustainability.
What if my business project costs more than Rs 5 lakh?
If the total cost of your self-employment project exceeds Rs 5.00 lakh, the amount above Rs 5.00 lakh must be financed by you personally. The scheme covers up to Rs 5 lakh.
Can I apply for Tejaswini if I have a loan from another bank?
You can apply for the Tejaswini scheme provided you are not a defaulter on any loan from a Bank or Financial Institution. Having a previous loan history is fine, as long as you have been repaying it properly.
How many times can a woman apply for this scheme?
Each woman can receive assistance under the Tejaswini scheme only once. This ensures that the benefits reach as many eligible women as possible.
What documents are needed to apply for Tejaswini?
You will need documents like your Domicile Certificate or Ration Card, Aadhaar Card, Date of Birth Certificate, Matriculation Certificate, an Unemployment Certificate (if applying for a new business), a Project Report, and an affidavit to continue the trade for at least 5 years.
Do I need to have specific educational qualifications to apply?
Yes, you generally need to have completed 10th standard and be between 18 to 35 years old. However, the CEO of Mission Youth has the authority to relax the educational qualification for deserving candidates on a case-by-case basis, based on proper justification.
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