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Tejaswini Yojana: How This Radiant Scheme Is Changing The Lives Of India’s Daughters

Komal Bajpai

Author

Updated: 29-11-2025 at 12:30 PM

The Tejaswini – The Radiant Scheme, launched by Mission Youth, J&K, is aimed at empowering young women financially by extending them financial support to start or enhance SMEs. To this end, women can pursue self-employment in the services offered in seam, beauty and fitness, or IT and related fields, promoting economic emancipation.

In this article, you will get the detailed information about the Radiant Scheme, its benefits, objectives, eligibility, application process and much more.

Overview

The table below showcases the key highlights of the Tejaswini-The Radiant Scheme:-

Scheme Name	The Tejaswini – The Radiant Scheme
Goal	To empower young women in J&K through self-employment opportunities
Loan Amount	Up to ₹5 lakhs interest-free Mudra loan
Subsidy	₹50,000 (or 10% of project cost, whichever is less) towards the loan, along with an interest subsidy of up to ₹60,000-₹50,000 (or 10% of project cost, whichever is less) towards the loan, along with an interest subsidy of up to ₹60,000
Eligible Applicants	Female domicile of J&K, registered with Mission Youth, aged 18-35, with at least 10th-grade education.
Application Mode	Online through the Mission Youth portal

What Is Tejaswini-The Radiant Yojana?

Tejaswini – The Radiant is a sarkari scheme that has been brought by the government of J&K for young women who want to be self-employed and to promote Women's Empowerment. This yojana empowers females to start up additional income-generating ventures or expand existing ones, hence establishing economic security.

What Are The Benefit Of The Tejaswini Radiant Scheme?

Tejaswini provides financial aid and skill development training to empower young women, aiming to boost their economic independence and employment opportunities. Below are the major benefits of this scheme:-

Loan Assistance: Microcredit up to ₹ 5 lakhs: the interest rate is zero per cent.
Subsidy: ₹50,000 or 10% of the project cost, whichever is lower, and an interest subsidy of up to ₹ 60,000 for exemption.
Support in Business: Assists women in buying fixed assets, machinery and equipment as well as meeting their current needs.

Objective Of The Tejaswini-Radiant Yojana

The scheme aims to push young women into income-generating activities by being able to access affordable finance for both start-ups and expansion of income-generating activities in areas of their choice.

What Activities Are Covered Under The Tejaswini Scheme?

The scheme includes vocational training, entrepreneurial skill development, mentorship, and job placement support. Below is the detailed list of activities covered under this Sarkari scheme:-

Canteen and Restaurant
Beauty Parlour
Boutique/Tailoring
Cyber Café
Mobile Repairing
Fitness and Yoga Centres
Training Institutes

Funding Provided Under Tejaswini Scheme

The government scheme extends an interest subvention up to ₹5 lakh emulous hand in tandem with a Mudra from J&K bank, which has an interest-free loan. Under Mission Youth, the financial assistance provided is ₹50,000 or 10 % of the project cost and the interest subsidy up to ₹60,000 on the success of the project.

What Is The Eligibility Criteria Of The Tejaswini-The Radiant Yojana?

Before you think of applying for the scheme, it is advised to check the eligibility criteria first. To be a valid candidate of the scheme, you need to clear the following parameters:-

Young Women aged between 18 and 35 years who are permanent residents of the union territory of J&K enrolled with Mission Youth.
Should have an education level of at least 10th grade (the CEO may provide an exception).
Should not be a loan defaulter should be jobless and should be a member of the District Employment &Counselling Centre.

Who Are Not Included:

Women who have access to similar government benefits or fall outside the specified age or economic criteria are not eligible. Such As:-

Those who have availed loans under another government-funded facility.
Incentive, subsidised business units refer to the existing business units that have enjoyed incentives or subsidies from various government business schemes.
Government and private sector employees who apply for scholarship programmes.

What Is The Application Process For The Tejaswini-The Radiant Yojana?

Applicants can apply online through the official Tejaswini portal or visit designated centres for assistance with the application. Here is a step-by-step guide to apply for this scheme:-

Step 1: Check out the Mission Youth Portal.

Step 2: Click on the link Tejaswini - The Radiant and then press the ‘Apply Now’ button.

Step 3: Fill in the necessary documents.

Step 4: The applications are considered at the district level, and the applicants are selected on the scale of the district quota.

Step 5: The approved loan is disbursed within 15 days after receiving the approval from the District Lead Bank Officer.

What Are The Documents Required Of The Tejaswini-The Radiant Yojana?

The list below contains the names of the important documents which are required to fill out the application for this scheme:-

Domicile Certificate / Ration Card
Aadhaar Card
Date of Birth Certificate
Matriculation Certificate
Unemployment Certificate (for start-up business)
A detailed outline of the proposed activities.
Affidavit to further business commitment

Conclusion

The Tejaswini – The Radiant Scheme is a significant initiative aimed at empowering young women in Jammu & Kashmir by providing them with financial independence. By supporting women to become entrepreneurs, the scheme not only strengthens their economic position but also contributes positively to the overall growth and development of the region.

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