J&K Healthcare Interest Subsidy
Industries & Commerce Department, Government of Jammu & Kashmir · Central government
A 5-year 5% interest subsidy of up to ₹15 lakh yearly funds healthcare and Ayush ventures in J&K.
Open, rolling. Applications are accepted continuously — there is no deadline.
Key facts
- Subsidy amount
- Up to ₹15,00,000
- Instrument
- Subsidy
- Deadline
- Rolling
- Disbursement
- Reimbursed after spend
About this scheme
The Healthcare & Ayush Care Investment Policy 2020 provides an interest subsidy of 5% on borrowings taken by an eligible venture. The benefit is capped at ₹15 lakh annually and runs for 5 years.
This is a recurring benefit, not a single payment. It lowers the effective cost of the loan by 5 percentage points, and the claim is made year on year against interest actually paid.
For a healthcare project with substantial term debt during its ramp-up phase, this is the incentive of greatest value in the early years — a period when the capital subsidy has already been availed and revenues are still growing.
Who can apply
- Eligible business forms
- Not specified
- Udyam registration
- Not specified
- MSME registration
- Not required
- DPIIT startup recognition
- Not required
- GST registration
- Not specified
- Where the business may be based
- Jammu and Kashmir
- Healthcare or Ayush ventures covered under the policy - Project sited within the Union Territory of Jammu & Kashmir - Interest subsidy of 5%, capped at ₹15 lakh annually - Tenable over 5 years
How to apply
1. Enrol the venture on the J&K Single Window portal (singlewindow.jk.gov.in). 2. Secure the project's term loan from a scheduled lender. 3. Procure a lender certificate each year confirming the interest actually paid. 4. Submit the interest subsidy claim under the Healthcare & Ayush care Investment Policy 2020. 5. Wait for verification and the annual disbursal, capped at ₹15 lakh per year.
Frequently asked questions
How much interest support is available?
The interest subsidy is 5%, capped at ₹15 lakh per year.
For how long?
For a period of 5 years.
Is it paid upfront?
No. The claim is made annually, against the interest actually paid on the venture's loan.
Who is eligible?
Healthcare and Ayush ventures established in the Union Territory qualify under the Healthcare & Ayush care Investment Policy 2020.
Sectors
- Health Pharma Biotech
- Jammuandkashmir
- Ayush
- Healthcare
- Interestsubsidy
- Termloan
Details last verified on 18 September 2026. Source: the issuer's published information.