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J&K Self Employment Scheme

Our Contacts:

Mr. Baldev Prakash
MD & CEO
Convenor J&K UTLBC
The Jammu & Kashmir Bank Ltd.
Corporate Headquarters
M.A Road, Srinagar,
Jammu and Kashmir, India
Phone: 0194-2481900,
Fax: 0194-2481902

Mr. Syed Rais Maqbool
General Manager,
UTLBC / Lead Bank Department, J&K Bank
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Telephone/ Fax: 0194-2502906
Email: srais@jkbmail.com

UTLBC Secretariat/ Lead Bank Department
J&K UTLBC
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Telephone/ Fax: 0194-2502639
Ext. No/s: 1139. 1140 and 1141
Email: convenorbank@jkbmail.com

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Introduction
The “Jammu and Kashmir State Self Employment Scheme” being implemented by Employment Department provides margin money, capital and interest subsidy assistance to the educated unemployed youth of the State for establishing their own employment generating units since 1995-96.
Eligibility Criteria:

i)	Age	18-42 years. (General Category) 18 -47 (SC/ST/OBC/Handicapped/Ex-Servicemen/Women)
ii)	Qualification requirement	8th Pass. However, no educational qualification shall be insisted upon for candidates having qualified training course of not less than one academic year duration from a Government Institution .
iii)	Project Cost	a)	Rs.2.00 lakhs for Retail trade
		b)	Rs.3.00 lakhs for Service/Industries trade
		c)	Rs.10.00 lakhs for joint venture (2 persons and above)
iv)	Financing pattern	a)	Bank Loan	75%
		b)	Promoter's contribution	5%
		c)	Capital Subsidy	5% of the project cost subject to a maximum limit of Rs.7500/-
		d)	Margin Money	15% by way of as interest free loan to be recovered after the expiry of the term of the bank loan sanctioned in favour of the entrepreneur

Incentives:

i) Margin Money
As an incentive ,Margin Money @ 15% of the project cost is paid to the beneficiary as an interest-free loan towards equity contribution of the entrepreneur which is repayable in 5 equal yearly installments after the liquidation of the loan amount.
ii) Interest Subsidy
The Govt. is providing Interest Subsidy to beneficiaries on the bank loan on tapering basis for a period of two years in the following pattern:-

i)	During 1st 6 months	100%
ii)	One year after 1st 6 months	75%
iii)	Next 6 months	50%

iii) Capital Subsidy
5% of the project cost subject to a limit of Rs. 7500/-.
Implementation of the JKSES (Year wise Target and Achievements)

Amount in thousands
JKSES
Year	Target		Achievement		%age of Ach.
Year	A/C	Amount	A/C	Amount	(Financial)
2001-02	9829	9882.73	2245	2683.64	27%
2002-03	8871	13507.88	2297	2992.27	22%
2003-04	7980	10278.45	2028	2786.55	27%
2004-05	6215	8242.19	2174	3142.99	38%
2005-06	5363	7352.00	2004	3248.90	44%
2006-07	5476	7772.23	2180	3828.78	49%
2007-08	5563	8475.22	2663	4839.87	57%
2008-09	6363	10467.31	2693	5064.03	48%
2009-10	5860	9904.91	2927	6344.27	64%
2010-11	6912	13384.35	3185	8233.13	62%
2011-12	6675	11883.20	4408	11285.39	95%
2012-13	9234	20321.30	4797	12731.29	63%
2013-14	10514	23450.05	3991	10905.06	47%
2014-15	10548	25267.55	3233	8193.97	32%

Compendium of Departmental Programmes for Self Employment.

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