J&K Ghar Wapsi Housing Scheme — Quick Overview
| Scheme Name | J&K Housing Scheme 2026 — PM Awas + State Housing for Migrants & EWS Families | jkhousing.gov.in |
| State | Jammu & Kashmir (जम्मू और कश्मीर) |
| Launched By | Government of Jammu & Kashmir |
| Launch Year | 2016 |
| Benefit | PMAY-G: up to ₹1.3–1.5 lakh housing grant (+ state top-up for J&K). Kashmiri migrant families and EWS get priority. Pucca house construction/repair support. |
| Category | Housing |
| Beneficiaries | 3 lakh+ EWS/migrant families assisted |
| Last Verified | 2 May 2026 |
| Official Portal | https://jkhousing.gov.in |
What is J&K Ghar Wapsi Housing Scheme?
The J&K Ghar Wapsi Housing Scheme provides housing assistance to Kashmiri migrant families returning to J&K and Economically Weaker Section (EWS) families in Jammu & Kashmir by combining PM Awas Yojana (Gramin/Urban) central assistance with J&K state government's supplemental housing grant. Kashmiri Pandit migrants and other displaced families are given priority. Under PMAY-G, beneficiaries get up to ₹1.3 lakh (plains) or ₹1.5 lakh (hilly/difficult areas) with additional state top-up for J&K residents.
Under this scheme, eligible beneficiaries receive PMAY-G: up to ₹1.3–1.5 lakh housing grant (+ state top-up for J&K). Kashmiri migrant families and EWS get priority. Pucca house construction/repair support.. The scheme was launched in 2016 and is implemented by the Government of Jammu & Kashmir.
J&K Ghar Wapsi Housing Scheme में वापस लौट रहे कश्मीरी प्रवासी परिवारों और EWS परिवारों को PM Awas Yojana (Gramin/Urban) की central assistance के साथ J&K राज्य सरकार का supplemental housing grant मिलता है। PMAY-G के तहत ₹1.3 लाख (मैदान) या ₹1.5 लाख (पहाड़ी/कठिन क्षेत्र) + J&K state top-up। jkhousing.gov.in पर apply करें।
PMAY-G: ₹1.3–1.5 लाख housing grant + J&K state top-up। कश्मीरी प्रवासी और EWS परिवारों को priority। पक्के मकान निर्माण/मरम्मत सहायता।
جموں و کشمیر میں کشمیری مہاجر خاندانوں اور EWS خاندانوں کو PM Awas Yojana کی مرکزی امداد کے ساتھ J&K ریاستی حکومت کی اضافی housing grant فراہم کی جاتی ہے۔ (J&K mein kashmiri migrant aur EWS parivaaron ko PM Awas Yojana ki central housing grant + J&K state top-up milti hai — pakka ghar banane ke liye.)
📌 फायदा: PMAY-G: ₹1.3–1.5 lakh (pahari/mushkil ilaqon mein zyada) + J&K state supplemental grant. Kashmiri migrant aur EWS ko priority. DBT se seedha bank mein.
पात्रता:
J&K Domicile Certificate, EWS/LIG income limit, pehle se pakka ghar nahi hona chahiye. Kashmiri migrant ke liye migration certificate zaruri.
अर्ज कसा करावा:
jkhousing.gov.in → PMAY Urban ya BDO office → PMAY Gramin. Aadhaar, domicile certificate, income proof, land records jama karein. Survey ke baad sanction aur DBT installments milti hain.
Benefits of J&K Ghar Wapsi Housing Scheme
✅ PMAY-G: up to ₹1.3–1.5 lakh housing grant (+ state top-up for J&K). Kashmiri migrant families and EWS get priority. Pucca house construction/repair support.
PMAY-G: ₹1.3–1.5 लाख housing grant + J&K state top-up। कश्मीरी प्रवासी और EWS परिवारों को priority। पक्के मकान निर्माण/मरम्मत सहायता।
Who is Eligible for J&K Ghar Wapsi Housing Scheme?
- ✓ Kashmiri migrant families returning to J&K (Kashmiri Pandits and other displaced communities)
- ✓ EWS (Economically Weaker Section) families with annual income below ₹3 lakh
- ✓ LIG (Low Income Group) families with annual income ₹3–6 lakh (for urban component)
- ✓ Must not already own a pucca house anywhere in India
- ✓ Family must not have previously received housing assistance under PMAY or other government housing scheme
- ✓ J&K domicile certificate mandatory (new domicile rules post-2019 reorganisation apply)
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Documents Required for J&K Ghar Wapsi Housing Scheme
How to Apply for J&K Ghar Wapsi Housing Scheme Online?
- 1jkhousing.gov.in पर PMAY (Urban) या Block Development Office में PMAY-Gramin के लिए apply करें
- 2J&K Domicile Certificate, Aadhaar, income certificate और land records तैयार रखें
- 3Kashmiri migrant हैं तो Relief & Rehabilitation Commissioner Office का migrant registration certificate भी जमा करें
- 4BDO (rural) या ULB/Municipal Office (urban) में application और documents जमा करें
- 5Survey और verification के बाद SECC/Awaas+ housing list में नाम जुड़ेगा
- 6Sanction के बाद installments में ₹1.3–1.5 lakh PMAY-G (+ state top-up) bank account में DBT से मिलेगा
Official Government Portal — Jammu & Kashmir
Apply directly on the official Jammu & Kashmir government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 J&K Housing — jkhousing.gov.inFrequently Asked Questions — J&K Ghar Wapsi Housing Scheme
Common Questions About Jammu & Kashmir Government Schemes
J&K Tejaswini Scheme ke liye SHG kaise banayein?+
अपने गांव की 10–15 महिलाओं को मिलाकर एक SHG बनाएं। JKRLM के Community Resource Person (CRP) से सहायता लें। नियमित meetings करें और savings account खोलें। SHG registration JKRLM BDO Office से होगी।
جموں و کشمیر تیجسوینی اسکیم کا ₹10,000 فنڈ کب ملتا ہے؟+
SHG registration کے بعد، جب group نے کم از کم کچھ مہینے regular meetings اور savings کی ہوں، تو JKRLM BDO Office میں application دے کر ₹10,000 Revolving Fund حاصل کیا جا سکتا ہے۔
J&K SEHAT scheme mein kitna health cover milta hai?+
₹5 lakh per family per year cashless treatment. ALL J&K domicile holders eligible — no income limit. Works at 24,000+ AB-PMJAY empanelled hospitals across India. Golden Card is free.
SEHAT Golden Card J&K kaise banwayein?+
sehat.jk.gov.in par ya nearest CSC (Common Service Centre) mein jao. J&K domicile certificate + Aadhaar + ration card lekar jao. Biometric verification ke baad SEHAT Golden Card milega.
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J&K Tejaswini Scheme 2026 — ₹10,000 Revolving Fund for Rural Women SHGs | jkrural.gov.in
✅ ₹10,000 Revolving Fund per SHG + market linkage + livelihood training + government procurement linkage for rural women
J&K SEHAT Health Insurance Scheme 2026 — ₹5 Lakh Free Health Cover for All Families | pmjay.gov.in/jksehat
✅ ₹5 lakh per family per year free cashless treatment — ALL J&K domicile families (no income limit) — 24,000+ empanelled hospitals across India