Category

Business & Commerce

Startups, entrepreneurs, industry, trade, and the money moving through young Jammu.

Railways Offer 50% Off the Return Leg on Advance-Booked Parcel Trains: What Jammu Traders Need to Know
Business & Commerce•19 Oct 2026•5 min read

Railways Offer 50% Off the Return Leg on Advance-Booked Parcel Trains: What Jammu Traders Need to Know

A one-year pilot on Rapid Cargo Service parcel trains charges 1.5 times the one-way freight rate for a round trip.

Update: J&K Homestay Policy Adds a 35% PMEGP Subsidy, a 28-Day Provisional Silver Registration and a Cap of ₹20 Lakh
Business & Commerce•16 Oct 2026•5 min read

Update: J&K Homestay Policy Adds a 35% PMEGP Subsidy, a 28-Day Provisional Silver Registration and a Cap of ₹20 Lakh

A Tribune report on the J&K Homestay Policy 2026 lists subsidy and credit support and says about 3,000 homestays operate. Here is what is new since our August explainer.

Opinion: 'Build Here' Is Good Advice. Here Is What Students Should Ask Before They Do
Business & Commerce•15 Oct 2026•5 min read

Opinion: 'Build Here' Is Good Advice. Here Is What Students Should Ask Before They Do

A Jammu business leader told MIET students to build at home. The public loan numbers show a pipeline that is improving but sanctions about a quarter of applications.

Update: Bank Loan Rejections Are Slowing Rooftop Solar in J&K; Jammu's Rejections Are Fewer Than Kashmir's
Business & Commerce•15 Oct 2026•5 min read

Update: Bank Loan Rejections Are Slowing Rooftop Solar in J&K; Jammu's Rejections Are Fewer Than Kashmir's

Of 61,566 PM Surya Ghar loan applications across J&K banks, 17,416 were rejected. A 7 October review shows 3,184 of those in Jammu against 14,232 in Kashmir.

Update: UPI Merchant Fee Deferred Until After Diwali, NPCI Says, With No New Date Yet
Business & Commerce•15 Oct 2026•5 min read

Update: UPI Merchant Fee Deferred Until After Diwali, NPCI Says, With No New Date Yet

The 0.4% fee on larger person-to-merchant UPI payments was due from October 15. NPCI now says it will start 'immediately post Diwali' on a date to be notified.

Bari Brahmana Could Get Northern Railway's First Cargo Related Facility Warehouse
Business & Commerce•14 Oct 2026•5 min read

Bari Brahmana Could Get Northern Railway's First Cargo Related Facility Warehouse

Northern Railway has invited tenders to develop and operate a warehouse at Bari Brahmana station under its new rail-logistics policy. What is known and what is not.

Rs 815 Crore Sits Unclaimed in J&K Banks' Accounts: How to Check and Claim Yours
Business & Commerce•11 Oct 2026•5 min read

Rs 815 Crore Sits Unclaimed in J&K Banks' Accounts: How to Check and Claim Yours

Four J&K lenders had Rs 814.54 crore in unclaimed deposits parked in the RBI's DEA Fund on 30 June 2026. The money is still claimable; here is how to search.

A Post Office That Exports: What India Post's J&K Circle Offers Artisans and Young Sellers
Business & Commerce•10 Oct 2026•5 min read

A Post Office That Exports: What India Post's J&K Circle Offers Artisans and Young Sellers

Speaking on World Post Day, J&K's Chief Postmaster General listed export help, passport kendras and Aadhaar services at post offices. A guide to what is there, and what to verify.

RBI Raises the Repo Rate to 5.5%: What the First Hike Since 2023 Means for Loans and EMIs
Business & Commerce•09 Oct 2026•5 min read

RBI Raises the Repo Rate to 5.5%: What the First Hike Since 2023 Means for Loans and EMIs

The Reserve Bank raised the repo rate by 25 basis points to 5.5% and shifted to 'calibrated tightening'. What changes for borrowers, and what it does not tell us.

₹10,000 Crore SME Growth Fund: What the Cabinet Approved, and What It Does Not Yet Say
Business & Commerce•08 Oct 2026•5 min read

₹10,000 Crore SME Growth Fund: What the Cabinet Approved, and What It Does Not Yet Say

The Union Cabinet has committed ₹10,000 crore to an investment fund for growth-stage small and medium manufacturers. Nothing in the reports mentions J&K.

Update: PM Surya Ghar in J&K Hits 55% of Its Rooftop Target, but 17,416 Loan Applications Were Rejected
Business & Commerce•07 Oct 2026•5 min read

Update: PM Surya Ghar in J&K Hits 55% of Its Rooftop Target, but 17,416 Loan Applications Were Rejected

46,133 rooftops are installed against a target of 83,500, ahead of the national 50.80%, but bank financing is the bottleneck, a 7 October review heard.

J&K GCC Summit 2026: What a Global Capability Centre Is, and What It Could Mean for Jammu Graduates
Business & Commerce•06 Oct 2026•5 min read

J&K GCC Summit 2026: What a Global Capability Centre Is, and What It Could Mean for Jammu Graduates

IIM Jammu hosts the J&K GCC Summit on 9-10 October. Before it starts: what a GCC is, what the programme covers, and what has not been announced.

Update: J&K Assembly Passes the Ease of Doing Business Bill — What Passed, Who Said What, What Is Still Pending
Business & Commerce•05 Oct 2026•5 min read

Update: J&K Assembly Passes the Ease of Doing Business Bill — What Passed, Who Said What, What Is Still Pending

The J&K Assembly passed the Ease of Doing Business Bill, 2026 on 29 September. Deemed approvals stay, supporters and a CPI(M) critic have spoken, and a traders' body wants clear rules.

CSR in J&K's Public Sector: What a CAG Audit Found on Spending for 2022-23
Business & Commerce•04 Oct 2026•5 min read

CSR in J&K's Public Sector: What a CAG Audit Found on Spending for 2022-23

Only 3 of 7 eligible J&K public sector enterprises spent on CSR in 2022-23, and only 4 of 9 had a CSR committee. What the rule requires.

JKTPO Takes Export and E-Commerce Onboarding Drives to Samba and Kathua: What Was Covered, and Who Can Attend
Business & Commerce•04 Oct 2026•5 min read

JKTPO Takes Export and E-Commerce Onboarding Drives to Samba and Kathua: What Was Covered, and Who Can Attend

From export paperwork to ONDC, GeM and Flipkart onboarding: the Trade Promotion Organisation's drives reached Samba and Kathua this autumn.

AgriStack in J&K: 1,21,472 Farmer IDs, 68.6 Lakh Parcels Digitised, and What Is Still Pending
Business & Commerce•04 Oct 2026•5 min read

AgriStack in J&K: 1,21,472 Farmer IDs, 68.6 Lakh Parcels Digitised, and What Is Still Pending

The Chief Secretary has asked every Deputy Commissioner to make sure no eligible farmer is left out. Here are the numbers, and what the registry is for.

Sawalkot and the Chenab Pipeline: What the Power Secretary Said About J&K Hydropower
Business & Commerce•03 Oct 2026•5 min read

Sawalkot and the Chenab Pipeline: What the Power Secretary Said About J&K Hydropower

Union Power Secretary Pankaj Agarwal named Ratle, Pakal Dul, Kiroo and Kwar as ongoing and said Sawalkot is under consideration. Proposal versus project, explained.

J&K CBG Policy 2026: Up to Rs 10 Crore Support for Bio-Gas Plants, Explained
Business & Commerce•02 Oct 2026•5 min read

J&K CBG Policy 2026: Up to Rs 10 Crore Support for Bio-Gas Plants, Explained

J&K has notified its Compressed Bio-Gas Policy 2026, with capital support, Rs 1 land, tax relief and a 2032 window. Here is what it offers and what is still unannounced.

Update: J&K's Ease of Doing Business Bill Is Now in the Assembly — Deemed Approvals, an Inspection Holiday and a Domicile-Hiring Clause
Business & Commerce•29 Sept 2026•5 min read

Update: J&K's Ease of Doing Business Bill Is Now in the Assembly — Deemed Approvals, an Inspection Holiday and a Domicile-Hiring Clause

L.A. Bill No. 11 of 2026 was introduced on September 28. What's in it for a young founder — and the clause that could make firms reserve jobs for J&K domiciles.

Update: Minister Reports 28-Day Refrigerated Shelf Life for Kaladi
Business & Commerce•27 Sept 2026•3 min read

Update: Minister Reports 28-Day Refrigerated Shelf Life for Kaladi

The reported CFTRI result concerns standardised Kaladi technology. A current licensing notice and its terms still need confirmation.

Update: JKEDI’s Startup Idea Challenge Boot Camps Have Reached Jammu — 150 In, Five Through
Business & Commerce•25 Sept 2026•2 min read

Update: JKEDI’s Startup Idea Challenge Boot Camps Have Reached Jammu — 150 In, Five Through

The fourth boot camp ran at Government Polytechnic College Jammu: 150 participants, 14 pitches, five ideas through. Registration is still open.

Seven Days for an Inspection: J&K Puts a Clock on Eight Permissions a New Business Needs
Business & Commerce•21 Sept 2026•5 min read

Seven Days for an Inspection: J&K Puts a Clock on Eight Permissions a New Business Needs

A September order caps field inspections at seven working days for eight urban services — including the street-vending certificate and the municipal trade licence.

Jammu Smart City Hackathon: Six City Problems, and Registration Closes September 25
Business & Commerce•19 Sept 2026•3 min read

Jammu Smart City Hackathon: Six City Problems, and Registration Closes September 25

JSCL and LEAD have opened a hackathon on six of Jammu's urban problems, with IIT and IIM incubation partners and a nine-day registration window. What is confirmed so far.

6,576 Sick Small Businesses, One ‘Health Clinic’: Inside J&K’s MSME Revival Push
Business & Commerce•18 Sept 2026•5 min read

6,576 Sick Small Businesses, One ‘Health Clinic’: Inside J&K’s MSME Revival Push

A digital diagnostic has scored 2.94 lakh enterprises and named the ones in trouble. What the numbers actually say, and the door they open for a struggling family business.

Mission YUVA's Innovation Hub Opens at IIM Jammu, With a Target of 500 Startups by 2030
Business & Commerce•16 Sept 2026•5 min read

Mission YUVA's Innovation Hub Opens at IIM Jammu, With a Target of 500 Startups by 2030

A five-year agreement makes IIM Jammu the nodal body for J&K's youth-enterprise mission. Here is what the Hub is for, what it offers, and what has not been published yet.

1,300 Ideas From 18,000 Students: Mission YUVA's Business Hackathon Closes on September 16
Business & Commerce•14 Sept 2026•3 min read

1,300 Ideas From 18,000 Students: Mission YUVA's Business Hackathon Closes on September 16

J&K's flagship enterprise mission ran a month-long hackathon across 255+ institutions. It shuts on 16 September — and what happens to the ideas has not been spelled out.

671 Kanals at Vijaypur: Samba Gets a Plug-and-Play Industrial Park Under BHAVYA
Business & Commerce•11 Sept 2026•3 min read

671 Kanals at Vijaypur: Samba Gets a Plug-and-Play Industrial Park Under BHAVYA

The J&K Cabinet has handed land at village Pekhri to the Industries Department for ready-to-use factory units. No investment figure and no job number have been published.

Update: Mission YUVA Has Now Disbursed ₹1,826 Crore, and 13,597 J&K Businesses Are Running
Business & Commerce•10 Sept 2026•4 min read

Update: Mission YUVA Has Now Disbursed ₹1,826 Crore, and 13,597 J&K Businesses Are Running

The scheme's September review puts 13,597 enterprises in operation and the sanction rate at 40%. What has moved since May, and what the four doors now pay.

Aroma Mission 2026: CSIR-IIIM Jammu Unveils ₹2.5 Lakh Grant for Young Lavender & Mint Startup Founders
Business & Commerce•09 Sept 2026•1 min read

Aroma Mission 2026: CSIR-IIIM Jammu Unveils ₹2.5 Lakh Grant for Young Lavender & Mint Startup Founders

By the numbers: 150 target agri-preneurs, free distillation tech access, and guaranteed oil buybacks in Chatha.

SKUAST-Kashmir and a Bengaluru Academy Want to Turn J&K's Waste Into Micro-Enterprises
Business & Commerce•08 Sept 2026•3 min read

SKUAST-Kashmir and a Bengaluru Academy Want to Turn J&K's Waste Into Micro-Enterprises

SKUAST-Kashmir has signed an MoU with the Bio-Enzyme Entrepreneurs Academy of India to train students and farmers to turn kitchen and farm waste into sellable bio-enzyme products.

J&K's Banks Beat Their Lending Target. Education Loans Came In at 31%.
Business & Commerce•07 Sept 2026•4 min read

J&K's Banks Beat Their Lending Target. Education Loans Came In at 31%.

Priority-sector lending in J&K finished the year at 101% of target. Education finance reached under a third of its own — and the Chief Secretary told banks the problem is intent, not capacity.

BIO-NIVESH: India's New Platform to Connect Biotech Startups With Investors, Explained
Business & Commerce•05 Sept 2026•3 min read

BIO-NIVESH: India's New Platform to Connect Biotech Startups With Investors, Explained

The government's new BIO-NIVESH platform aims to bridge biotech startups and investors and was launched in Delhi by Union Minister and Udhampur MP Dr Jitendra Singh. Here's what it actually is — and isn't, yet.

₹30 Lakh at IIT Jammu, 165 Startups at CSIR-IIIM: Where the Startup Money Actually Is
Business & Commerce•03 Sept 2026•5 min read

₹30 Lakh at IIT Jammu, 165 Startups at CSIR-IIIM: Where the Startup Money Actually Is

Three institutions within 90 km of Jammu run incubators with open doors and real cheques. Here is who qualifies for what, and who is wasting their time applying.

IIM Jammu's Incubator Has ₹50 Lakh on the Table — and It Wants Local Businesses to Send It Problems
Business & Commerce•31 Aug 2026•5 min read

IIM Jammu's Incubator Has ₹50 Lakh on the Table — and It Wants Local Businesses to Send It Problems

The DST i-TBI at IIM Jammu runs an Ignition Grant of up to ₹50 lakh, a FAB Lab, and a new pipeline that turns local MSME problems into student projects. Here's how a Jammu student or founder gets in.

3,540 MW Today, 10,970 by 2035: Inside J&K's Plan to Triple Its Own Power
Business & Commerce•30 Aug 2026•5 min read

3,540 MW Today, 10,970 by 2035: Inside J&K's Plan to Triple Its Own Power

J&K has set a target of 10,969.65 MW of hydropower by December 2035 — three times what it generates now. Here is what that build-out means for young engineers.

Mission YUVA Explained: The Four Doors, and Which One a 22-Year-Old in Jammu Should Knock On
Business & Commerce•29 Aug 2026•6 min read

Mission YUVA Explained: The Four Doors, and Which One a 22-Year-Old in Jammu Should Knock On

J&K's flagship enterprise mission has sanctioned more than 25,000 loans and disbursed around ₹1,119 crore. Here are its four schemes — and which one actually fits you.

JKEDI's Startup Idea Challenge 2.0 Is Touring J&K's Campuses — Here's What's Confirmed So Far
Business & Commerce•27 Aug 2026•3 min read

JKEDI's Startup Idea Challenge 2.0 Is Touring J&K's Campuses — Here's What's Confirmed So Far

Launched by the Chief Minister at ASCEND J&K 2026, the district-by-district competition offers mentorship, incubation and a path to seed funding. Pulwama has gone; the Jammu round hasn't been dated yet.

MSME Amendment Act 2026: What Actually Changes for a Small Business in Jammu
Business & Commerce•23 Aug 2026•5 min read

MSME Amendment Act 2026: What Actually Changes for a Small Business in Jammu

Parliament has rewritten the 2006 MSME Act. Hard clocks on delayed payments, voluntary Udyam filing, and fines instead of prosecution — what it means if you run something small here.

SKUAST-Jammu Opens an AI Lab, a Girls' Hostel and a Startup Door for Rural Youth
Business & Commerce•22 Aug 2026•5 min read

SKUAST-Jammu Opens an AI Lab, a Girls' Hostel and a Startup Door for Rural Youth

Five facilities opened at Chatha on Friday, including a Centre for AI and Machine Learning in Agriculture. Here is what each one means if you study, farm or want to build something.

What Is a Nano GCC? The Idea Jammu's MSME Conclave Is Betting Your Tech Job On
Business & Commerce•20 Aug 2026•5 min read

What Is a Nano GCC? The Idea Jammu's MSME Conclave Is Betting Your Tech Job On

A conclave in Jammu argued that AI now lets ten-person teams in tier-II cities do work once locked inside multinationals. Here's the idea, and the numbers behind it.