J&K Education Loan Scheme for Women 2025
The Government of Jammu & Kashmir, under the Department of Social Welfare and J&K Women’s Development Corporation, has introduced the Education Loan Scheme for Women. This scheme provides affordable loans to female students to pursue higher education and achieve their dreams.
Motto: Educate her today, Empower generations tomorrow.
Why Choose this Scheme?
- Low interest rate of only 3% (simple interest).
- Covers a wide range of education-related expenses.
- Designed to suit the financial needs of families.
Eligibility Criteria
- Must be enrolled in an accredited institution.
- Age between 16 years to 32 years.
- Applicable for:
- National Minorities
- National Backward Classes
- Divyangjan (Women with 40% or above disability)
Annual Family Income Criteria
| Category | Income Limit | Area |
|---|---|---|
| CL-I | Less than ₹3.00 Lakhs | Urban & Rural |
| CL-II | Less than ₹8.00 Lakhs | Urban & Rural |
| Divyangjan (Women with Disability) | No Income Bar | Special Support |
Benefits of the Scheme
- Encourages women to continue higher education.
- Helps students from poor families.
- No income bar for disabled women.
- Promotes equality and empowerment in society.
How to Apply?
Interested women can apply through the J&K Women’s Development Corporation. Required documents include:
- Admission proof in an accredited institution
- Income certificate
- Category proof (Minority / Backward Class / Disability certificate)
Applicants can visit the official website or nearby Social Welfare Department offices for detailed guidance.
J&K Education Loan Scheme for Women 2025
The Education Loan Scheme for Women in Jammu & Kashmir is a golden opportunity for female students. With a low interest rate, wide coverage, and flexible eligibility, it ensures that financial issues will not stop women from achieving their educational goals.
