How to Apply for Tejaswini-the Radiant — ₹5L Soft Finance for J&K Women

Applications are first screened against the scheme's eligibility conditions — domicile, age, educational qualification and employment status all come into play.

• The applicant's credit record is checked to confirm she is not a defaulter to any bank or financial institution.
• Preference may be given to women who have undergone training at a recognised skill development institution.
• The project itself is assessed for viability and for how well it fits the scheme's objective of fostering self-employment.
• The CEO, Mission Youth holds the authority to take the final decision, including granting relaxations — such as on the educational qualification — where proper justification exists.

Shortlisted candidates may be asked to appear for an interview or to submit a detailed project plan.