Jun 14, 2024

J&K State Women’s Development Corporation Advertisement

The Corporation provides loan on minimal rate of interest to the differently-a bled women with 40% disability irrespective of caste, creed, religion and income, women beneficiaries for setting up of their own Income Generating Units.

Who can apply :

Any Women with 40% disability or more. Certificate should be provided by Chief Medical Officer or medical Board.

Age : 18-55 years

Caste, Creed, colour and income no bar. Should be Jammu and Kashmir State Subject.

Relevant educational qualification (in case of technical trade) supported by fresh attested copy of certificate. Should not be a defaulter with other financial institutions. Supported by affidavit.

How to apply:

Application forms are available for Rs. 10 each at the office of the Development Officer concerned. Instructions for completing the application will be included with the form itself. After completing the application, it should be submitted to the Development officer within the given time.

Funding Pattern

Maximum Loan Limit : Rs. 5.00 Lakhs


N H F D C Share W D C share Beneficiary’s Share Rate of interest
Up to Rs. 0.50 lakh 100% Nil Nil 4%
Above Rs. 0.50 lakh to Rs, 1.00 lakh 95% 5% Nil 5%
Above Rs. 1.00 lakh to Rs. 5.00 lakhs 90% 5% 5% 5%

Repayment : 24 easy quarterly installments in 6 years including the moratorium period of six months on the recovery of principal.

Educational Loan Scheme

Eligibility Criteria

Individual beneficiary from differently-abled women in the age group of 16-32 years and permanent resident of J&K State and should not be a defaulter with any other financial institution.


All professional and technical courses at graduate and higher level approved by appropriate authority such as AICTE, Medical Council of India, UGC etc.

How to Apply

The beneficiary will have to fill up the prescribed application form available with JKWDC.


Admission fee, tuition fee, examination fee and similar expenditure will be paid directly to the Institution/ College by WDC.

expenditure on account of purchase of books, boarding and lodging etc. will be paid to the beneficiary.

The loan will be released in installments on semester/annual basis depending upon the system of the Institution/ College and subject to successful completion of the previous

Funding Pattern

Maximum Loan Limit : up to Rs. 10.00 lakhs in India and up to Rs. 20.00 lakhs abroad


NH FDC Share WDC share Beneficiary’s Share Rate of interest
Up to Rs. 4.00 lakhs 100% Nil Nil 3.50%
Above Rs. 4.00 lakhs courses (In India) 95% 5% Nil 350%
Above Rs. 4.00 lakhs courses (Abroad) 95% 10% 05% 350%

RepaymentΒ  : Repayment period starts after six months of completion of the course or if the beneficiary gets job before six months, whichever is earlier (24 easy installments in 6 years).


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