Ladakh Government Schemes

Government schemes available to residents of Ladakh — both state-specific programmes and Central schemes.

State-specific listings for Ladakh are being added. Residents of Ladakh are also eligible for the Central Government schemes below.

Central Schemes for Ladakh Residents

Income support of ₹6,000 a year, paid in three instalments, to eligible landholding farmer families across India.

Health cover of up to ₹5 lakh per family per year for secondary and tertiary hospitalisation at empanelled hospitals.

Financial assistance and interest subsidy to help economically weaker and low-income families build or buy a pucca house.

Collateral-free loans up to ₹20 lakh for non-farm micro and small enterprises through the Shishu, Kishore, Tarun and Tarun Plus categories.

End-to-end support for traditional artisans and craftspeople — recognition, skill training, a toolkit incentive and collateral-free credit.

A voluntary, long-term retirement savings scheme regulated by PFRDA that builds a pension corpus with market-linked returns and tax benefits.