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Banking,Financial Services and Insurance; Social welfare & Empowerment

AASRA Scheme

The scheme “AASRA Scheme” was launched by the Department of Social Welfare, Government of Jammu & Kashmir in 2015 to provide Social Security cover to widows, Destitute, Below Poverty Line families and Breadwinners of such families whose annual income is less than ₹75000/-.

Authority

State

Region

Jammu and Kashmir

Status

Verified 2026

Updated

March 2026

What you get

- Under this scheme, Social Security cover is provided to widows, Destitute, Below Poverty Line (BPL) families, and breadwinners of such families whose annual income is less than ₹75000/-. | - The Government of Union Territory will bear the premium of two policies (PMSBY & PMJJBY) for a period of five year. | - Under this scheme, the government will cover the entire segment of the destitute and BPL families in the Union Territory.

Who can apply

The applicant should be a permanent resident of the Union Territory of Jammu & Kashmir.; All breadwinners of families whose total annual income is less than ₹75000/- are eligible under the scheme.; All widows and destitute residing in the Union Territory are eligible under the scheme.; All breadwinners of Below Poverty Line (BPL) families are eligible under the scheme.; The intending family must establish that he/she has no source of income quantified as per the prescribed income certificate.; The life/accident cover under the scheme will be paid only to the prescribed nominee in case of the death of the beneficiary as per the guideline outlined in the scheme.

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What is “AASRA Scheme”?

The "Aasra Scheme" is a comprehensive social security scheme launched by the Union Territory (UT) Government under which the government would pay or reimburse the premium of the two schemes (PMSBY & PMJJBY) in respect of beneficiaries.

What is the objective of the scheme?

The objective of the scheme "AASRA Scheme" is to provide social and financial security to eligible beneficiaries and entails providing a zero balance saving Bank account to every eligible beneficiary to avail of the insurance coverage benefits under which the UT Government would pay or reimburse premium for a period of five years for the two schemes (PMSBY & PMJJBY).

By which department was this scheme launched?

Department of Social Welfare, Government of Jammu & Kashmir

When was this scheme notified?

The Scheme "AASRA Scheme" was notified by the government vide Order No. 150-F of 2015 dated 20.08.2015.

Is this scheme an insurance scheme?

Yes, The scheme "AASRA Scheme" is an insurance scheme.

Is it a social security scheme?

Yes, this scheme is a social security scheme.

Is this scheme fully sponsored by the government of Union Territory?

Yes, this scheme is 100% sponsored by the government of Union Territory.

Is this scheme only for the resident of the Union Territory of Jammu & Kashmir?

Yes, the applicant should be a permanent resident of the Union Territory of Jammu & Kashmir.

Who is covered under this scheme?

This scheme is covering Widows, Destitute, Below Poverty Line (BPL) families, and breadwinners of such families whose annual income is less than [?]75000/-.

Who will pay the premium of the policy?

The Government of Union Territory will pay the full premium of the policies.

Who will provide the funding for the scheme?

The funds will be provided by the Finance Department under Non-Plan expenditure, in a lump sum or on an annual basis to implement the scheme, and further upward revision in the amount would be considered if so required.

Who will get the money in case of the death of the beneficiary?

The life/accident cover under the scheme will be paid only to the prescribed nominee in case of the death of the beneficiary as per the guideline outlined in the scheme.

How can I apply under the scheme?

First, the eligible applicants need to register themselves on the official website and then they are eligible to apply under the scheme. (https://www.jk.gov.in/jkeservices/home)