Kashmir Valley
Now accepting applications across J&K

Your Skills,Your Future

Get affordable skill loans from ₹5,000 to ₹1,50,000. Learn from top institutes and free online resources. Pay only after you're employed.

75% CGFSSD Guarantee
8.5% Interest Rate
3-Month Moratorium
2,500+
Active Learners
100+
Courses Available
₹5Cr+
Loans Disbursed
85%
Success Rate

Choose Your Skill Sector

High-demand sectors with strong placement records across Jammu & Kashmir

Milestone-Based Disbursement

Your loan is released in stages as you progress, keeping you motivated and accountable.

T0
30%

Enrollment

Initial disbursement

T1
30%

33% Complete

First milestone

T2
20%

66% Complete

Second milestone

T3
20%

Certified

Final disbursement

Trusted by Leading Banks

Our loans are backed by the Credit Guarantee Fund for Skill Development (CGFSSD) covering 75% of the outstanding principal. This makes lending risk-free for banks and affordable for you.

🏦

J&K Bank

Primary Partner

🏛️

SBI

Coming Soon

🏛️

PNB

Coming Soon

Loan Features

Loan Amount₹5,000 - ₹1,50,000
Interest RateMCLR + 1-2% (≈8.5-10.5%)
Tenure3-7 years
MoratoriumCourse + 3 months
CollateralNot Required
Processing Fee0.5% (waived for pilot)
CGFSSD Coverage75% of principal
Step-up EMIFirst 6 months at 50%

Success Stories

Real stories from J&K youth who transformed their careers

Amir Khan

Amir Khan

Srinagar

"SkillConnect helped me transition from unemployment to a tech career."

CourseFull Stack Development
Now Earning₹35,000/month
Working atTCS
Fatima Bano

Fatima Bano

Jammu

"The milestone system kept me motivated throughout the course."

CourseDigital Marketing
Now Earning₹28,000/month
Working atFlipkart
Bilal Ahmad

Bilal Ahmad

Anantnag

"Now I export my Papier-mâché crafts worldwide through my own business."

CourseKashmiri Handicrafts
Now Earning₹40,000/month
Working atSelf-employed

Ready to Start Your Journey?

Join thousands of J&K youth who are building their future. Apply today and get trained by the best with our outcome-linked loans.