The jammu amd kashmir muhafiz yojana is scheme proposed by the government of jammu and kashmir with the aim to offer social and economic protection to the vulnerable population of workers working in unorganized sector. The jammu and kashmir muhafiz yojana is mainly introduced to protect the vulnerable labourers who are registered under JKBOCWWB. Under the muhafiz yojana around three lakh registered workers are expected to get benefited through insurance, disability relief ,educational scholarship for the childern of registered worker. The Muhafiz scheme in jammu and kashmir was first launched in 2018 to help the workers facing financial problems due to unemployment. If a registered worker dies under this scheme the government offers a relief amount of around 2 lakh rupee to his family. It also offers scholarship to the students for educational expenses, and compensation in case of illness or disability.
Worker Benefits and Assistance Coverage
| Benefit | Financial Help |
|---|---|
| Natural Death relief | 2 lakh given to the workers family. |
| Accidental Death Compensation | Rs. 4 lakh to the family |
| Partial Permanent Disablement Support | Rs. 1 lakh given to the worker |
| Permanent Disability Compensation | Rs. 2 lakh to the worker. |
| Education assistance | Rs. 1,200 per year given to each child from class 9th to 12th |
| Micro Credit Facility | 10 thousand with Smart Identity ATM Card |
Eligibility Conditions for Jammu & Kashmir Muhafiz (Guardian) Scheme 2026
- Applicant of Jammu & Kashmir Muhafiz (Guardian) Yojana 2026 must be a citizen of india and must be registered under JKBOCWWB
- Applicant must be from construction or unorganized sector.
- Applicant of jammu and kashmir muhafiz scheme must be active worker.
- Applicant of Jammu & Kashmir Muhafiz (Guardian) Yojana 2026 must give valid nominee for future insurance claims.
How to Download Jammu & Kashmir Muhafiz (Guardian) Scheme 2026 Application Form
Step 1:To download the muhafiz scheme application form first of all visit official portal of JKBOCWWB through the given link https://jkbocw.gov.in/.
Step 2: search the jammu and kashmir muhafiz yojana and then download the application form in the pdf form.
Step 3:If you are applying for disability assistance, then applicant is required to download the disability assistance claim form.
Step 5: If the matter is of natural death or accidental death you are required to download the death claim form for insurance benifit.
Step 6: Fill all the details in the form carefully and then submit the form to the respective welfare board office of your district. Before submitting the form in welfare office make sure you have attached all the required documents.
Important Documents for muhafiz scheme
The documents for Jammu & Kashmir Muhafiz (Guardian) Yojana usually include ID proof, labour card ,bank account details of the applicant, employment proof, nominee details of the applicant and address details.
FAQs about Jammu & Kashmir Muhafiz (Guardian) Yojana 2026
Q.1 Who is eligible for j&k muhafiz scheme.
Workers of unorganized sector under JKBOCWWB are eligible for muhafiz scheme.
Q.2 How to claim benifits of Jammu & Kashmir Muhafiz Yojana
Registered workers or the nominees of workers can claim benifits by downloading the relevant claim form from official portal and submitting them to the welfare board attached with asked documents.
| Description | Link |
|---|---|
| Apply Online / Download Forms | https://jkbocw.gov.in/DynamicPages/Downloads.aspx |
| Official Website | https://jkbocw.gov.in/ |