1. Trolleys and Wheelchairs to various Govt./Charitable Hospitals and Health Facilities

A robust healthcare system is essential for any society, and given the significant pressure on government-run healthcare facilities, especially in J&K, it has become crucial for responsible corporates like J&K Bank to step up. By supporting the Government's efforts through innovative CSR projects, J&K Bank aims to complement public health initiatives. In this context, a project was developed to enhance the existing healthcare infrastructure by providing patient-transport trolleys and wheelchairs to various government hospitals in J&K. Under this initiative, the Bank provided following items to SKIMS Soura, SMVD Charitable Society, GMC Anantnag, B&J Hospital Srinagar:

• 39 Hydraulic Casualty Trolleys
• 124 Stretcher-on-trolleys
• 128 Foldable wheelchairs

The initiative augmented the Health Infrastructure especially of Hospitals in the larger interest of patient care.

2. Platelet/Apheresis kits for children suffering from blood-dysfunctional diseases

The incidence of blood cancer has surged alarmingly in the Kashmir Valley over recent years, creating an urgent need for Apheresis Kits (Platelet/Therapeutic kits with ACD and saline) to support effective treatment for diagnosed patients. Unfortunately, many underprivileged individuals struggle to afford these essential kits, as the associated costs are not covered by the "Ayushman Bharat/Golden Card Scheme."

Recognizing this critical need, J&K Bank partnered with SK Institute of Medical Sciences Srinagar (SKIMS) to make a meaningful impact. The Bank provided 200 apheresis kits to support the treatment of children suffering from cancer and other blood disorders, bringing relief to families facing financial challenges. Notably, SKIMS is the only hospital in J&K dedicated to pediatric oncology, serving approximately 350 young cancer patients annually from the regions of Jammu, Kashmir, and Ladakh.

3. Support to TB Patients of Kargil under PM's TB Mukht Abhiyan

The Government of India, through the Pradhan Mantri TB Mukt Bharat Abhiyaan, is dedicated to eradicating TB by 2025. In its effort to reach this target, the Union Health Ministry launched a campaign in September 2022, encouraging citizens, NGOs, and the corporate sector to sponsor monthly food baskets for TB patients. These patients require quality nutrition to strengthen their fight against the infection. Sponsors can fund specific food baskets designed for adults and children through district-level TB program officials.

Aligned with this mission and following directives from the Ministry of Health and Family Welfare, J&K Bank partnered with Kargil Health Authorities to support 97 TB patients by providing nutritional assistance for six months.

4. Support to TB Patients of Leh Ladakh under PM’s TB Mukt Bharat Abhiyaan

In line with the national mission to eliminate tuberculosis, J&K Bank extended its support to 105 TB patients in the Leh region by providing monthly nutritional food baskets for a continuous period of five months. This intervention was crucial for the high-altitude region, where medical access is limited and nutritional deficiency is common among patients. The food kits were tailored to meet the dietary needs of TB patients, aiming to aid faster recovery and improved adherence to treatment regimens. The initiative also aligns with national goals of public health strengthening through community-based support.

5. Assessment and Treatment for Persons with Hearing and Speech Impairment

J&K Bank collaborated with a reputed implementing agency to organize over 15 health camps across Jammu, Kashmir, and Ladakh, focused on assessing and rehabilitating individuals with hearing and speech impairments. More than 1,500 individuals were assessed and provided with high-quality hearing aids free of cost. Additionally, speech therapy was made available to those who needed further assistance. This initiative significantly improved the quality of life for many beneficiaries by enabling better communication, inclusion in daily social interactions, and greater confidence.

6. Project on Maternal and Infant Health Among Tribals

To support maternal and child health in underprivileged areas, J&K Bank initiated a project targeting tribal communities in the Anantnag and Rajouri districts. In collaboration with healthcare professionals and NGOs, training was imparted to birth attendants, empowering them with knowledge and skills for safe deliveries. Free nutritional supplements and essential medicines were provided to pregnant women, alongside routine diagnostic tests. The initiative aimed to address high maternal and infant mortality rates, while ensuring healthcare access to the most vulnerable sections of the population.

7. TB Eradication and Awareness Initiative – Kargil

As part of its commitment to tuberculosis eradication, J&K Bank provided a fully equipped awareness vehicle to the District Tuberculosis Center in Kargil. This mobile unit enabled the health department to conduct extensive outreach programs in remote areas, spreading awareness about TB symptoms, prevention strategies, and available treatments. The vehicle also facilitated health screenings and interactive sessions with local communities. This initiative played a key role in bridging the information gap and promoting early diagnosis in a geographically difficult region.

8. Tuberculosis Elimination Campaign under PM’s TB Mukt Bharat Abhiyaan – Jammu

Further strengthening the national TB eradication program, the Bank supported 400 TB patients in Jammu by providing food baskets for a duration of two months. In addition to nutritional support, an SMS-based awareness campaign was rolled out, reaching more than 5.2 million people across the region. The messages focused on busting myths around TB, encouraging timely treatment, and highlighting the importance of adherence to prescribed regimens. This two-pronged approach ensured both physical support for patients and mass awareness across the public.

9. Support to J&K’s Health Infrastructure

In one of its largest healthcare contributions, J&K Bank provided 251 hydraulic casualty trolleys, 894 stretcher trolleys, and 610 wheelchairs to all district and sub-district hospitals across Jammu & Kashmir. These items were aimed at improving patient care and movement within emergency and general hospital facilities. In addition, the Bank donated ambulances to GMC Anantnag and GMC Udhampur. Specialized medical equipment was also provided to the Pulmonary Rehabilitation Department at GMC Baramulla and to IMHANS Srinagar, boosting their capacity to deliver quality medical services.

10. Contribution to Shri Mata Vaishno Devi Charitable Society for Medical Equipment

J&K Bank supported the Shri Mata Vaishno Devi Charitable Society by providing essential medical equipment for their newly established medical college at Katra. The support aimed to build the college’s capacity to deliver advanced medical education and healthcare services to the region. This intervention also aligns with the Bank’s long-term vision of promoting quality healthcare infrastructure and human resource development in the medical field.

11. Contribution to Ramakrishna Mission – Physiotherapy & Accessibility Support

J&K Bank extended support to the Ramakrishna Mission Health Centre in Jammu by equipping their physiotherapy unit with the latest rehabilitation machinery. Recognizing the need for inclusive infrastructure, the Bank also facilitated the installation of a lift, making the facility more accessible for elderly and differently-abled patients. This initiative has significantly enhanced the center’s ability to cater to poor and underprivileged individuals who depend on affordable physiotherapy services for recovery and well-being.

1. Digital awareness for pensioners promoting Jeevan Pramaan App

As part of its commitment to digital literacy and ease of access for senior citizens, J&K Bank, under its CSR, raised awareness about the Jeevan Pramaan app, a government initiative for pensioners. The Bank distributed 1.25 lakh posters across its zonal offices, providing clear instructions on how to download and use the app, which enables pensioners to submit their digital life certificates from the comfort of their homes.

This initiative underscores J&K Bank’s dedication to enhancing digital inclusion among pensioners, making it easier for them to access essential services without the need to visit branches in person. By promoting the Jeevan Pramaan app, the Bank supports both the welfare of pensioners and the Government’s broader digital transformation agenda.

2. Two Vehicles for Election Commission J&K for Voter Education

In support of electoral awareness and civic engagement, J&K Bank provided two vehicles to the Election Commission of Jammu & Kashmir to promote voter education and electoral literacy. These vehicles played a significant role in raising awareness during the recent assembly elections, reaching communities across the region to encourage informed participation in the democratic process.

The vehicles will continue to serve as mobile information centers for future elections, including panchayat and other local body elections, helping to spread key messages on voting rights and responsibilities. This initiative reflects J&K Bank’s commitment to community development and democratic participation, empowering citizens through sustained electoral awareness and literacy efforts across Jammu & Kashmir.

1. A multi-purpose vehicle to Shri Amarnathji Shrine Board (SASB)

The annual Amarnath Temple Pilgrimage, conducted by Shri Amarnathji Shrine Board (SASB), is a challenging journey undertaken by millions of Hindu devotees through the remote and rugged Kashmir Himalayas. Situated at an altitude of 3,888 meters, the Amarnath Cave Shrine attracts over 500,000 pilgrims each year, requiring extensive logistical support to ensure safe and efficient passage. In response to this need, SASB coordinates with government departments, security forces, and NGOs to provide essential services, maintaining accessible, safe, and clean facilities along the pilgrimage route.;

To further support these efforts, J&K provided a multi-purpose vehicle to assist in the safe transportation of ill, injured, or deceased pilgrims, as well as essential yatra-related supplies. This vehicle will play a crucial role in enhancing safety, convenience, and operational efficiency for the pilgrimage.

2. Waste bins to Pahalgam Development Authority for use at Pahalgam

In support of environmental stewardship and community welfare, J&K Bank collaborated with the Pahalgam Development Authority to enhance waste management in the popular tourist destination of Pahalgam. Recognizing the impact of tourism on local ecosystems, the Bank provided 15 waste bins to help maintain cleanliness and preserve the natural beauty of the area.

These waste bins, strategically placed in high-traffic areas, aim to encourage responsible disposal practices among visitors, reduce litter, and promote a cleaner, healthier environment. This initiative aligns with J&K Bank’s commitment to sustainable community development and reflects its proactive role in supporting environmental conservation efforts in Jammu & Kashmir.

3. Waste bins to Pahalgam Development Authority for use at Pahalgam

In support of environmental stewardship and community welfare, J&K Bank collaborated with the Pahalgam Development Authority to enhance waste management in the popular tourist destination of Pahalgam. Recognizing the impact of tourism on local ecosystems, the Bank provided 15 waste bins to help maintain cleanliness and preserve the natural beauty of the area.

These waste bins, strategically placed in high-traffic areas, aim to encourage responsible disposal practices among visitors, reduce litter, and promote a cleaner, healthier environment. This initiative aligns with J&K Bank’s commitment to sustainable community development and reflects its proactive role in supporting environmental conservation efforts in Jammu & Kashmir.

4. IT Equipment to Press Club of Kashmir

As part of its efforts to foster community development and support free press, J&K Bank donated IT equipment to the Press Club of Kashmir. This included personal computers and printers to enhance the working infrastructure for journalists and media personnel. The initiative aimed to promote responsible journalism by providing a modern and efficient work environment. By empowering local media, the Bank contributes to the broader goal of a well-informed society.

5. Community Development Program in Heritage Village ‘Karcheykhar’, Kargil

In a holistic effort to improve quality of life in one of Ladakh's remotest heritage villages, J&K Bank implemented a comprehensive development program at Karcheykhar in Kargil. The project included the facelifting and exterior renovation of 64 traditional houses, construction of solar passive toilet blocks, and a new community hall. A fully equipped ambulance (Eco Van) was provided to ensure timely medical help in emergencies. Additionally, a full-fledged computer lab with five systems, a 5KV solar power bank, and a solar water heater were installed at the local government middle school, bringing sustainable education infrastructure to the area. Waste management was also strengthened through the installation of 64 waste bins across the village

6. Infrastructure Support to Schools Run by Punjab & Haryana Waqf Boards

J&K Bank supported two schools operated under the Punjab and Haryana Waqf Boards by upgrading their educational infrastructure. This included the installation of smart classrooms, air-conditioners, ceiling fans, and computers, providing students a modern and comfortable learning environment. The initiative was part of the Bank’s vision to support minority institutions and enhance access to quality education for all sections of society.

7. Enhancing Support for Children with Cognitive Disabilities – ‘Learning Edge’

 The Bank provided infrastructural and therapeutic support to the ‘Learning Edge’ centre, an initiative of Autism Welfare Trust, catering to children with cognitive and developmental challenges. The support included physiotherapy and vocational therapy equipment, solar panels for clean energy use, and other learning aids tailored for special children. This intervention was aimed at creating a more inclusive environment and empowering these children to lead more independent and confident lives.

8. Community Outreach Support Vehicle for ‘The Sara’

To strengthen the outreach capacity of ‘The Sara’—an organization involved in humanitarian aid, relief distribution, and disaster response—J&K Bank provided a dedicated vehicle. This enabled the organization to distribute food kits, respond to emergencies, and carry out relief operations more effectively, particularly in remote and underserved areas. The intervention improved last-mile delivery of aid and fostered resilience within local communities.

9. Upgradation of Special Care Facility – ‘Exceptional Minds’

J&K Bank extended support to the special care facility ‘Exceptional Minds,’ run by the Specially Abled Children Trust, to enhance the services provided to children with special needs. The initiative involved supplying physiotherapy tools, kitchen appliances for basic life skill training, and vocational therapy equipment. The project focused on skill-building, therapy, and day-to-day functional development for differently-abled children, contributing to their long-term well-being.

10. Infrastructure Development at Gulshan Mehal Hostel (Orphanage)

Recognizing the need for safe and structured living for orphaned and underprivileged children, J&K Bank supported the Gulshan Mehal hostel run by the J&K Yateem Trust. The support involved construction of a vital retention wall to prevent flooding and land erosion, as well as the development of a sports infrastructure within the hostel campus. These efforts aimed to improve both safety and recreational facilities for the children, fostering holistic development and well-being.

1. E-Vehicles to AIIMS Jammu

J&K Bank provided four electric vehicles to AIIMS Jammu to enhance mobility support for patients, women, and individuals with disabilities. These e-vehicles offer a convenient and accessible mode of transportation within the hospital premises spread across a vast area, ensuring that patients and visitors can move around with ease and comfort, especially those with mobility challenges. This initiative aligns with the Bank’s commitment to improving healthcare accessibility and supporting inclusive infrastructure.

Beyond patient mobility, the e-vehicles will also serve hospital staff, facilitating efficient movement across the expansive AIIMS campus and contributing to a more sustainable and eco-friendly environment. Through this partnership, J&K Bank demonstrates its dedication to community welfare and environmental responsibility by investing in green mobility solutions that enhance the quality of healthcare services in Jammu.

2. E-Vehicles to IIM Jammu

J&K Bank recently donated four electric vehicles to IIM Jammu to enhance campus mobility for students, with a special focus on supporting female students and those with disabilities. These e-vehicles provide a reliable and accessible mode of transport within the campus, ensuring that students can move around comfortably and safely, particularly benefiting those who face mobility challenges. This initiative underscores the Bank’s commitment to fostering an inclusive and supportive educational environment.

The introduction of these eco-friendly vehicles aligns with J&K Bank’s dedication to sustainability and community development. By promoting green mobility, the Bank not only contributes to reducing the campus's carbon footprint but also helps create a more inclusive atmosphere that caters to the diverse needs of IIM Jammu's student community. This collaboration highlights J&K Bank’s ongoing commitment to empowering educational institutions and supporting students across Jammu & Kashmir.

3. Solar Power System for BALGRAN – Home for Destitute Children

J&K Bank funded the installation of a 40 KW on-grid solar power system at BALGRAN, a charitable home and school for orphaned and destitute children in Jammu. The move towards renewable energy not only reduced operational costs but also made the institution more self-sustainable. It ensured uninterrupted electricity supply for the hostel and classrooms, fostering a better environment for both living and learning.

4. Three 08-Seater E-Vehicles to IIT Jammu

To support green mobility and create an inclusive campus, the Bank provided three 08-seater electric vehicles to IIT Jammu. These vehicles are used for intra-campus transportation of students and staff, with a focus on accessibility for female students and persons with disabilities. The initiative reflects the Bank’s broader commitment to sustainability and promoting eco-friendly practices in premier academic institutions.

5. Green Campus Initiative: E-Vehicles to Jammu University and IOT Zakura

In continuation of its sustainability agenda, J&K Bank provided one electric bus to the University of Jammu and two electric vehicles to the Institute of Technology, Zakura (University of Kashmir). These vehicles facilitate daily in-campus mobility for students, faculty, and especially female and specially-abled individuals. The initiative supports the institutions’ green campus mission and enhances student safety and comfort.

6. Project Vasundhara – Walnut Plantation for Livelihood Generation

Under Project Vasundhara, J&K Bank distributed over 4,500 high-yield hybrid walnut saplings to 300 rural and marginal farming families across the districts of Kishtwar, Udhampur, and Kathua. This initiative aimed to promote sustainable agriculture, long-term economic empowerment, and environmental conservation. The project not only contributes to enhancing farmers’ incomes but also supports ecological restoration in hilly areas by encouraging tree-based livelihoods.

7. Solar Photovoltaic Power Plant for Islamic University of Science and Technology (IUST)

As part of its green energy CSR initiatives, J&K Bank funded the installation of a 300KW on-grid and 90KW hybrid solar photovoltaic power plant at IUST, Awantipora. This 390KW solar system is designed to reduce the university’s dependence on non-renewable sources, cut operational costs, and contribute to a cleaner, more sustainable academic ecosystem. The initiative reinforces the Bank’s role as a responsible corporate partner in the region's transition toward renewable energy.

8. Modern Zoo Management System & E-Vehicles for Jambu Zoo

To promote wildlife conservation and eco-tourism, J&K Bank provided financial support to Jambu Zoo, Jammu, for the implementation of a modern Zoo Management Information System (ZMIS) and the procurement of 10 electric vehicles for in-campus transit. These additions enhanced the zoo’s operational efficiency, enriched the visitor experience, and reinforced the Bank’s commitment to sustainability and biodiversity preservation.

9. Green Campus Initiative at SKUAST-Kashmir

J&K Bank supported Sher-e-Kashmir University of Agricultural Sciences and Technology – Kashmir (SKUAST-K) under its Green Campus initiative. The project involved funding of waste management systems, organic waste composting units, plastic recycling infrastructure, solar lighting, and provision of electric vehicles. The initiative aimed to instil environmental responsibility among students and staff, making SKUAST-K a model of sustainability in the academic space.

10. Swachh Kranti – Contribution to Swachh Bharat Kosh

Reinforcing its commitment to the Government of India's flagship sanitation program, J&K Bank contributed to the Swachh Bharat Kosh (SBK). This financial support contributed to building sanitation infrastructure and conducting awareness campaigns, particularly in rural and underserved regions. By participating in this nationwide mission, the Bank emphasized the importance of cleanliness, hygiene, and public health.

11. Three 08-Seater E-Vehicles to University of Kashmir

As part of its sustainable mobility initiative, J&K Bank provided three 08-seater electric vehicles to the University of Kashmir. These vehicles were deployed for intra-campus transportation with a special focus on safe and accessible transit for female students and differently-abled individuals. The project not only supports inclusivity but also contributes to reducing the campus’s carbon footprint.

1. Skill Development in Collaboration with CIIIT Jammu and Baramulla

To address unemployment and skill gaps among youth, J&K Bank partnered with the Centres for Invention, Innovation, Incubation, and Training (CIIIT) in Baramulla and Jammu. The Bank supported skill development programs in cutting-edge domains such as robotics, electronics, and information technology. These programs empower young people, particularly from rural backgrounds, with market-relevant skills, improving their employability and entrepreneurship potential.

2.Contribution to JKBRSETI Society for Rural Skill Training

J&K Bank extended financial support to JKBRSETI Society, which runs 12 Rural Self Employment Training Institutes (RSETIs) across Jammu and Kashmir. These institutes provide free vocational training in sectors like tailoring, retail, hospitality, and agriculture to unemployed rural youth. The Bank’s support ensures continuity of these programs, fostering entrepreneurship, self-reliance, and sustainable livelihoods.

3. Financial Empowerment for Farmers – Prompt Repayment Incentive (PRI) Campaign

To promote financial literacy and responsible borrowing among farmers, J&K Bank launched a region-wide awareness campaign on Prompt Repayment Incentive (PRI). The campaign, disseminated through TV, radio, and social media, educated farmers about interest subvention benefits linked to timely loan repayments. This initiative aimed to reduce defaults and strengthen the credit culture in the agriculture sector.

4. Support to 'Kisan Sathi' Chatbot by Agriculture Production Department

J&K Bank supported the development and deployment of the 'Kisan Sathi' AI-powered chatbot, launched by the Agriculture Production Department. This digital assistant helps farmers access real-time information on crops, government schemes, market prices, and weather forecasts. The initiative represents a leap toward digital agriculture and strengthens the knowledge base of J&K’s farming community.

5. Promotion of Sports – Football Academies in Jammu & Srinagar

Recognizing the role of sports in youth development and social cohesion, J&K Bank continued its support to its twin football academies in Jammu and Srinagar. These academies provide professional coaching, nutrition, and training facilities to budding footballers across the region. The initiative nurtures local talent and promotes a healthy lifestyle, discipline, and teamwork among the youth.

6. Contribution to Prime Minister’s National Relief Fund (PMNRF)

As part of its disaster relief and emergency response mandate, J&K Bank contributed to the Prime Minister’s National Relief Fund. The fund supports victims of natural disasters, major accidents, and other emergencies across the country. This contribution reflects the Bank’s solidarity with affected communities and its dedication to humanitarian causes.

7. Preservation of Cultural and Archaeological Heritage of J&K

In a unique CSR intervention, J&K Bank funded the digitization of rare artefacts and heritage objects at the SPS Museum and Dogra Art Museum. The Bank also supported 3D mapping and digital documentation of six archaeological sites across Jammu & Kashmir. Additionally, an ethnographic gallery was established at the SPS Museum to promote public awareness and scholarly access to the region’s rich cultural legacy. This initiative underscores the Bank’s role in heritage preservation and cultural education.

1. J&K Bank Heart Clinic on Wheels: Expanding Access to Cardiac Care

Access to specialized cardiac healthcare remains limited in several remote and border districts of Jammu & Kashmir, requiring residents to travel long distances for diagnostic and treatment facilities. The limited availability of early screening and preventive care also increases the risk of cardiovascular conditions remaining undetected, particularly among elderly citizens and other high-risk groups. Recognizing this need, the Bank supported the establishment of the "J&K Bank Heart Clinic on Wheels"-a mobile cardiac care unit designed to provide free cardiac screening and diagnostic services across underserved districts of the Union Territory. The intervention facilitates access to preventive cardiac care for communities with limited access to specialized healthcare facilities.

Impact & Outcomes

• Screening and diagnostic assessment of over 5,000 individuals during the first year of operation.
• Focused coverage of elderly citizens, defence personnel and their families, and other high-risk groups.
• Improved access to early cardiac screening and preventive healthcare services in remote and underserved areas.
• Expected to benefit thousands of individuals over the coming years through continued screening and early detection of cardiovascular diseases.

2. Women's Wellness Outreach - Breast Cancer Early Screening Initiative in Ladakh

Women living in the high-altitude and geographically remote regions of Ladakh often face limited access to specialized healthcare services, including facilities for the early detection of breast cancer. To address this critical healthcare gap, the Bank, in collaboration with the Directorate of Health Services, Ladakh, supported a mobile breast cancer screening initiative covering Leh and Kargil districts. The Bank facilitated the procurement of portable screening devices and consumable sensor cartridges, enabling screening camps to reach women residing in remote villages and mountainous border areas.

Impact & Outcomes

• Provision of free, radiation-free breast cancer screening to women above 25 years of age.
• Extension of screening services to remote and geographically difficult areas across Leh and Kargil districts.
• Integration of screening data with the Health Department's eHealth/NCD system.
• Facilitation of timely referral of suspected cases to district hospitals for further diagnosis and treatment under applicable government health schemes.
• Strengthened access to early breast cancer detection services for women in underserved areas of Ladakh.

3. Strengthening Patient Care Infrastructure at District Hospital Kargil

Healthcare facilities operating in high-altitude regions such as Kargil often face operational challenges arising from harsh climatic conditions and growing patient loads. In response to these challenges, the Bank supported District Hospital Kargil by providing patient transfer trolleys, foldable wheelchairs, and hospital and patient hygiene consumables. The intervention strengthened the hospital's patient mobility infrastructure and hygiene-management systems, thereby supporting safer and more efficient delivery of healthcare services.

Impact & Outcomes

• Improved mobility and safe transfer of patients within the hospital.
• Strengthened sanitation, hygiene, and infection-control practices.
• Enhanced comfort and convenience for outpatients and emergency cases.
• Improved institutional capacity to deliver safe and efficient patient care.

4. Improving Patient Mobility Infrastructure at District Hospital Leh

Efficient patient transfer systems are essential for hospitals handling large patient volumes, particularly in emergency departments where the timely movement of patients can significantly influence treatment outcomes. Recognizing this need, the Bank supported District Hospital (SNM) Leh by providing hydraulic patient trolleys and stretcher trolleys to strengthen its patient mobility and emergency-response infrastructure. The equipment will facilitate safer and more efficient patient transfers across the hospital's emergency, outpatient, and inpatient departments.

Impact & Outcomes

• Improved patient transfer capabilities across emergency, outpatient, and inpatient departments.
• Safer and timely movement of patients within the hospital.
• Enhanced patient safety and quality of care.
• Expected to benefit hundreds of patients accessing the hospital's services on a daily basis.

5. Strengthening Surgical Care at SNM Hospital Leh

Modern surgical care depends upon reliable equipment for the controlled administration of anaesthesia and continuous monitoring of patients during medical procedures. Healthcare facilities in geographically challenging regions often face difficulties in acquiring such advanced medical equipment. To strengthen the surgical capabilities of District Hospital (SNM) Leh, the Bank supported the procurement of an advanced anaesthesia workstation equipped with modern patient monitoring systems. The equipment will augment the hospital's operating-theatre infrastructure and support the safe conduct of surgical procedures.

Impact & Outcomes

• Safer and more controlled administration of anaesthesia during surgical procedures.
• Strengthened emergency surgical response at the hospital.
• Improved capacity to undertake and manage complex surgical cases locally.

6. Nutritional Support for TB Patients in Kargil

Adequate nutrition is an important component of tuberculosis treatment, as it helps strengthen immunity and supports patient recovery. This need is particularly significant in remote and high-altitude areas such as Kargil, where access to adequate nutrition may be challenging for patients undergoing prolonged treatment. To address this requirement, the Bank, in coordination with the District Tuberculosis Office, Kargil, supported a nutritional assistance initiative that provided structured food support to 150 TB patients in the district.

Impact & Outcomes

• Improved access to adequate nutrition during the treatment period.
• Support in addressing nutritional deficiencies and strengthening patients' immunity.
• Improved treatment adherence and recovery outcomes among the beneficiaries.
• Strengthened healthcare support for TB patients in the remote region of Kargil.

7. Nutritional Support for TB Patients in Leh

The successful management of tuberculosis requires sustained treatment accompanied by adequate dietary support. Patients from economically vulnerable backgrounds may find it difficult to maintain the nutritional intake required during the extended course of treatment, particularly under the challenging conditions of Ladakh. As part of its targeted health-support efforts, the Bank supported provision of nutritional baskets to 130 TB patients in Leh. The intervention supplemented the clinical treatment being provided to the beneficiaries and addressed an important non-medical factor influencing their recovery.

Impact & Outcomes

• Supplementation of beneficiaries' diets during the course of TB treatment.
• Reduced risk of nutritional deficiencies that may impede recovery.
• Better capacity among patients to sustain the prescribed treatment regimen.
• Reinforcement of the public-health response to tuberculosis in Leh.

8. Health Infrastructure Support to Government Medical College Srinagar

Government Medical College (GMC) Srinagar is one of the largest tertiary healthcare institutions in the Kashmir Valley, serving patients from urban, semi-urban, and rural areas. Given its substantial patient load, access to modern diagnostic equipment is essential for timely and accurate medical evaluation across multiple clinical departments. To strengthen the institution's diagnostic infrastructure, the Bank facilitated the procurement of a DEXA Scan Machine, an echocardiography system, and portable ultrasound units. The equipment will augment diagnostic capabilities in orthopaedics, cardiology, trauma care, emergency medicine, and maternal and child healthcare.

Impact & Outcomes

• Availability of advanced diagnostic services across multiple clinical departments.
• Improved capacity for timely and accurate diagnosis of medical conditions.
• Enhanced point-of-care diagnostics using portable ultrasound units.
• Improved access to advanced diagnostic services for lakhs of patients served annually by GMC Srinagar.

9. Healthcare Infrastructure Support to GMC Jammu and GMC Handwara

Public medical colleges serve the dual purpose of delivering tertiary healthcare services and providing education and clinical training to future medical professionals. Rising patient volumes and evolving teaching requirements make continued strengthening of their healthcare and academic infrastructure essential. To address these requirements across both divisions of Jammu & Kashmir, the Bank supported GMC Jammu and GMC Handwara through the provision of hydraulic trolleys, stretcher-on-trolleys, and wheelchairs. The Bank also supported GMC Handwara through the provision of dental chairs and an advanced life-support ambulance, and supported GMC Jammu through the establishment of smart classrooms to augment digital learning facilities for medical students.

Impact & Outcomes

• Safer and more efficient movement of patients through improved mobility infrastructure.
• Enhanced emergency response and patient transport capabilities through an advanced life-support ambulance at GMC Handwara.
• Strengthened dental-care facilities through the provision of dental chairs at GMC Handwara.
• Improved technology-enabled teaching and classroom engagement for medical students at GMC Jammu.
• Enhanced institutional capacity to serve lakhs of patients who access these tertiary healthcare institutions annually.

10. Project Samarth - Empowering Persons with Disabilities

Persons with disabilities often face barriers in accessing assistive devices and rehabilitation support, particularly in remote areas where specialized services remain limited. Appropriate assistive technologies can help improve mobility, communication, independence, and participation in everyday life. To address this need, the Bank partnered with the Artificial Limbs Manufacturing Corporation of India (ALIMCO) under Project Samarth to provide customized assistive devices free of cost to persons with disabilities. The project covered five districts of Jammu & Kashmir- Rajouri, Anantnag, Srinagar, Jammu, and Baramulla-as well as four major metropolitan cities across India. The support included artificial limbs, wheelchairs, hearing aids, crutches, and orthotic devices.

Impact & Outcomes

• Over 2800 persons with disabilities benefited from the project.
• Distribution of need-based and customized assistive devices free of cost.
• Coverage across five districts of Jammu & Kashmir and four major metropolitan cities.
• Improved mobility, hearing support, and functional independence of beneficiaries.
• Enhanced ability of persons with disabilities to participate in daily, educational, livelihood, and social activities.

11. Healthcare Infrastructure Support to AIIMS Jammu for Advanced Surgical Care

Patients from Jammu & Kashmir and Ladakh requiring complex surgical procedures often need to travel to hospitals outside the region due to the limited local availability of specialized medical technologies. Such travel may delay treatment and impose an additional financial burden on patients and their families. To strengthen advanced surgical capabilities within the region, the Bank supported AIIMS Jammu through the provision of specialized laser-based surgical technology. The equipment will support minimally invasive procedures, particularly in lung and thoracic oncology, as well as procedures for treating cancers affecting the airway, head and neck, liver, and kidneys.

Impact & Outcomes

• Improved access to specialized, minimally invasive surgical procedures within the region.
• Greater precision and safety in the treatment of complex medical conditions.
• Strengthened treatment capabilities for lung, airway, head and neck, liver, and kidney cancers.
• Reduced need for patients to travel outside the region for specialized surgical care.
• Potential reduction in treatment delays and associated financial burden on patients and their families.

1. Secure Clicks - A Campaign for Cyber Hygiene and Digital Awareness

The rapid growth of digital banking and online financial services has been accompanied by an increase in cyber fraud and digital scams. Limited awareness of common fraud techniques and safe digital practices exposes users to financial loss, underscoring the need for sustained education on cyber hygiene and responsible digital behaviour. To address this challenge, the Bank launched the "Secure Clicks" campaign across Jammu & Kashmir and Ladakh. The initiative educates customers and the wider public about prevalent cyber frauds, methods adopted by fraudsters, and simple precautions for using digital banking services safely.

Impact & Outcomes

• Increased public awareness of common cyber frauds and methods used by fraudsters.
• Better understanding of preventive measures for safe digital banking.
• Promotion of responsible digital behaviour among customers and the wider community.
• Strengthened cyber hygiene across Jammu & Kashmir and Ladakh.

2. Study Kits to Underprivileged Children

Children from economically disadvantaged backgrounds often lack access to essential educational materials, which may restrict their participation in classroom activities and adversely affect continuity in learning. In furtherance of its commitment to inclusive education, the Bank supported the distribution of study kits to children from underprivileged communities in New Delhi. The intervention provided beneficiaries with basic learning materials required for their regular academic activities.

Impact & Outcomes

• Improved access to essential educational and learning materials.
• Reduced material-related barriers to continuity in education.
• Support for a more equitable and inclusive learning environment.

3. Project RISE - Respecting Identities and Supporting Equality

Schools play an important role in shaping attitudes toward equality, diversity, mutual respect, and social inclusion among young learners. Developing these values at an early stage contributes to the creation of empathetic individuals and socially responsible communities. To advance these values, the Bank supported Project RISE, a gender- sensitization initiative implemented across multiple schools in Jammu & Kashmir and Ladakh. The programme comprised structured awareness sessions and follow-up engagements involving students, teachers, and community stakeholders.

Impact & Outcomes

• Over 100 gender-sensitization sessions conducted during the project period across J&K and Ladakh.
• Engagement with over 5,000 students, teachers, and community stakeholders through structured sessions and follow-up interactions.
• Increased awareness of equality, diversity, inclusion, and mutual respect.
• Promotion of inclusive attitudes and empathetic behaviour among young learners.
• Contribution toward developing socially aware and responsible youth.

4. SMS Campaign on Financial and Digital Awareness

As financial services become increasingly digital, awareness of safe banking practices and consumer-protection mechanisms is essential for protecting customers against financial fraud and emerging cyber risks. Recognizing this need, the Bank undertook a large-scale SMS campaign to disseminate concise and timely information on financial safety, responsible digital banking, grievance-redressal mechanisms, prevention and reporting of financial fraud, Aadhaar-enabled payment systems, and emerging forms of digital fraud.

Impact & Outcomes

• Wider dissemination of financial and digital-safety information through direct SMS outreach (almost 20 million awareness messages).
• Improved awareness of safe and responsible digital banking practices.
• Greater understanding of grievance-redressal, fraud-reporting mechanisms, Aadhaar-enabled payment systems and associated precautions.
• Enhanced ability among recipients to recognize and guard against emerging digital fraud risks.
• Strengthened public confidence in the safe use of digital financial services.

5. Swachh Pathshala - Solarized Toilet Units in Schools of Ladakh

Access to clean and functional sanitation facilities is essential for maintaining a healthy and dignified learning environment and supporting regular school attendance, particularly among girl students in remote regions. To address this need, the Bank supported the development of solarized toilet facilities in six selected government schools across Ladakh under the Swachh Pathshala initiative. The intervention combined essential sanitation infrastructure with an environmentally sustainable solution suited to the region's remote and high-altitude conditions.

Impact & Outcomes

• Improved access to clean and functional washrooms within school campuses.
• Enhanced hygiene, privacy, and dignity for students, particularly girl students.
• Creation of healthier and more conducive learning environments.
• Support for regular school attendance by addressing inadequate sanitation infrastructure.
• Promotion of environmentally sustainable infrastructure in remote, high-altitude schools.

6. SMS Awareness Campaign on Social Security Schemes

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) provide risk protection, particularly to individuals from low-income and unorganised segments. The effectiveness of these schemes depends on continued enrolment and timely renewal; however, limited awareness of policy benefits and renewal requirements can result in unintended lapses in coverage. To address this issue, the Bank undertook an SMS-based outreach campaign for customers enrolled under PMSBY and PMJJBY. The messages provided timely information on scheme benefits and renewal requirements to help customers maintain uninterrupted coverage.

Impact & Outcomes

• Direct dissemination of information to customers enrolled under PMSBY and PMJJBY.
• Improved awareness of scheme benefits and renewal requirements.
• Encouragement of timely renewal and continued policy coverage.
• Reduced likelihood of unintended policy lapses arising from lack of information.
• Improved utilization and delivery of these national social-security schemes.

7. Contribution to Armed Forces Flag Day Fund

The Armed Forces Flag Day Fund supports welfare measures for ex- servicemen, widows, and their dependents, including financial assistance, rehabilitation support, and educational aid for children from the Armed Forces community. In recognition of the service and sacrifice of the nation's Armed Forces, the Bank contributed to the Armed Forces Flag Day Fund administered by the Kendriya Sainik Board under the Ministry of Defence. The contribution supported the education of 825 children from the families of ex-servicemen and martyrs, including children under the care of widows.

Impact & Outcomes

• Educational support provided to 825 children of ex-servicemen, martyrs, and widows, for one academic year.
• Improved access to education for eligible children from the Armed Forces community.
• Reduced educational burden on beneficiary families.
• Strengthened welfare support for defence veterans and their dependents through an established national fund.

8. Green Mobility Infrastructure Support to IIM Jammu

Sustainable transportation within institutional campuses can help reduce dependence on motorized vehicles, lower environmental impact, and encourage healthier commuting practices among students, faculty, and staff. To advance this objective, the Bank supported the development of green- mobility infrastructure at the Indian Institute of Management (IIM) Jammu through the provision of unisex bicycles and allied infrastructure. The intervention facilitated safe, convenient, and environmentally responsible movement within the campus.

Impact & Outcomes

• Safer and more convenient mobility within the institutional campus.
• Reduced dependence of students and staff on motorized vehicles for short-distance campus travel.
• Encouragement of environmentally responsible commuting practices.
• Promotion of physical activity and a health-conscious campus culture.
• Contribution toward the development of a more sustainable academic environment.

9. Mini Ambulance for Government College for Women, Jammu

Educational institutions require effective emergency-preparedness arrangements to safeguard students and staff and facilitate timely access to medical care when required. Recognizing this need, the Bank supported Government College for Women, Parade Ground, Jammu-an institution contributing significantly to women's higher education in the region-through the provision of a mini patient transport ambulance.

Impact & Outcomes

• Availability of a dedicated patient transport ambulance within the College.
• Improved institutional preparedness for medical emergencies.
• Faster transportation of students and staff requiring medical attention.
• Enhanced health, safety, and well-being support within the campus.

10. Making Education Accessible - Transport Support to IUST Awantipora

The Islamic University of Science and Technology (IUST), Awantipora, is a prominent higher-education institution in Jammu & Kashmir, providing quality and industry-relevant education to students from diverse backgrounds, including those from rural and underserved areas. For students commuting from distant locations, limited transportation options and extended travel time can impede regular attendance and full participation in academic activities. To address these mobility constraints, the Bank supported the provision of five institutional buses to IUST. The additional transport capacity has improved connectivity with the campus and made daily travel safer, more convenient, and accessible for students.

Impact & Outcomes

• Improved campus accessibility for students commuting from distant and rural areas.
• Safer and more convenient daily transportation for students.
• Reduced commuting difficulties and travel-related barriers to education.

11. Enhancing Student Mobility - Transport Support to Government Degree Colleges

Government Degree Colleges serve as important access points for higher education across the district and sub-district regions of Jammu & Kashmir. However, limited institutional transport can restrict students' access to their respective places of study, and other academic engagements conducted beyond college campuses. To address this requirement, the Bank supported the provision of transport facilities to 15 Government Degree Colleges across Jammu & Kashmir. The intervention strengthened the colleges' mobility infrastructure and enabled students to participate more effectively in educational activities beyond the classroom.

Impact & Outcomes

• More inclusive access to higher education for students from remote and underserved areas.
• Improved institutional capacity to organize field visits, internships, educational tours, and other academic engagements.
• Enriched learning experiences for students across district and sub- district regions.

12. Project Smart Shiksha - Digital Learning in Army Goodwill Schools

Army Goodwill Schools play an important role in ensuring continuity of quality education for children living in remote, border, and conflict- affected areas of Jammu & Kashmir and Ladakh. However, limited access to modern teaching tools and digital resources can constrain classroom engagement and the overall learning experience in these schools. To bridge this gap, the Bank supported the establishment of 127 smart classrooms across 27 Army Goodwill Schools under Project Smart Shiksha. The intervention equipped the schools with modern digital-learning infrastructure, enabling technology-assisted teaching in geographically underserved areas.

Impact & Outcomes

• Expanded access to digital-learning resources for students in remote and border areas of Jammu & Kashmir and Ladakh.
• Improved classroom engagement through technology-enabled teaching methods.
• Strengthened capacity of teachers to deliver interactive and digitally supported lessons.
• Enhanced learning experience for students in underserved communities.
• Contribution toward bridging the digital divide between remote schools and better-equipped educational institutions.

13. Transport Support to School of Agriculture Science and Technology (SAS&T), Kargil

Educational institutions in Ladakh face distinct mobility challenges arising from vast distances, difficult terrain, and harsh climatic conditions. Reliable institutional transportation is therefore essential for facilitating regular access to campuses as well as participation in fieldwork, practical training, and other academic activities. Recognizing this need, the Bank supported the provision of a student- transport facility to the School of Agriculture Science and Technology (SAS&T), Kargil Campus, University of Ladakh. The institution provides region-specific agricultural education suited to the high-altitude and cold-arid conditions of Ladakh, making practical and field-based learning particularly important.

Impact & Outcomes

• Improved access to the campus for students facing geographical and climatic barriers.
• Safer and more reliable transportation for academic requirements.
• Enhanced participation in classroom activities, fieldwork, practical training, and academic engagements.
• Support for regular attendance and continuity in agricultural education.

14. Strengthening Infrastructure at SKUAST Jammu

Sher-e-Kashmir University of Agricultural Sciences and Technology (SKUAST) Jammu plays an important role in strengthening the region's agricultural ecosystem through research, innovation, extension services, capacity-building, and outreach to farming communities. Effective mobility, sanitation, and emergency-response infrastructure is essential for supporting the University's academic and institutional activities. To augment these facilities, the Bank supported the provision of e-carts for mobility within the campus, sanitary-waste incinerators for responsible waste disposal, and a patient transport ambulance for medical emergencies. The intervention addressed distinct operational, environmental, and healthcare requirements of students, staff, and visitors.

Impact & Outcomes

• Improved mobility and accessibility within the campus through the provision of e-carts.
• Safer and more environmentally responsible disposal of sanitary waste.
• Strengthened institutional preparedness for medical emergencies through a dedicated patient transport ambulance.
• Enhanced sanitation, environmental sustainability, and healthcare support within the University.
• Contribution toward creating a safer, cleaner, and more inclusive campus environment.

15. Strengthening Infrastructure at NIELIT Jammu and Srinagar

The National Institute of Electronics and Information Technology (NIELIT) advances technical education and digital skill development through industry-oriented programmes in electronics, information technology, and emerging technologies. Modern training facilities and reliable mobility support are essential for providing accessible, practical, and technology-enabled education. Recognizing these requirements, the Bank supported the NIELIT centres at Jammu and Srinagar. At the Jammu centre, the support included the establishment of a computer laboratory and the provision of projectors and allied digital-learning infrastructure. At the Srinagar centre, the Bank supported the provision of one bus for student transportation and institutional mobility.

Impact & Outcomes

• Strengthened digital-learning facilities through projectors and allied infrastructure.
• Improved access to computers and practical, technology-based training.
• Enhanced institutional and student mobility through the provision of one bus.
• Better accessibility and outreach of technical-education programmes.
• Support for the development of industry-relevant digital skills and improved employability among students.

16. Samajdhar Bano Scam Se Bacho - Digital Literacy Campaign

The rapid expansion of digital banking and online financial services has increased the need for public awareness about cybersecurity, fraud prevention, and safe digital practices. Timely and accessible information can help customers recognize evolving threats and adopt precautionary measures while undertaking digital transactions. To address this need, the Bank launched the "Samajdhar Bano, Scam Se Bacho" public-awareness campaign across Jammu & Kashmir and Ladakh. The campaign used radio, television, and digital media platforms to disseminate concise messages on cyber hygiene, secure digital banking, and protection against online fraud and scams.

Impact & Outcomes

• Improved public awareness of common online scams and emerging cyber threats.
• Greater understanding of precautions required while conducting digital transactions.
• Promotion of secure digital-banking practices and responsible online behaviour.
• Strengthened ability among customers to recognize and avoid potential digital fraud.

17. Strengthening Digital Learning and Green Campus Mobility at the University of Mumbai

The University of Mumbai is one of the country's premier public universities, serving a large and diverse student population and contributing to academic excellence, research, innovation, and skilled human-capital development. Access to modern computing facilities and sustainable campus-mobility solutions is important for creating an inclusive, technology-enabled, and environmentally responsible academic environment. To advance these objectives, the Bank supported the establishment of a high-end, large-scale computer laboratory equipped with modern computing infrastructure and provided e-carts to facilitate movement within the campus. The intervention strengthened the University's digital-learning ecosystem while promoting accessible and environmentally responsible campus mobility.

Impact & Outcomes

• Enhanced digital-learning and practical-training capabilities across academic disciplines.
• Strengthened institutional capacity to support digital education, research, and innovation.
• Improved mobility and accessibility within the campus through the provision of e-carts.
• Reduced dependence on conventional vehicles for short-distance campus transit.
• Promotion of environmentally responsible and inclusive campus mobility.
• Contribution toward a more accessible, sustainable, and technology- enabled academic environment.

18. Augmenting Educational Infrastructure at Bhartiya Shiksha Samiti Schools

Children from underserved communities often face constraints in accessing modern learning tools, reliable transportation, and a conducive academic environment. Bhartiya Shiksha Samiti contributes to addressing these gaps by providing affordable and value-based education, particularly to students from economically weaker sections. To strengthen the educational infrastructure of institutions operated by the Samiti, the Bank supported the provision of one bus and one computer laboratory at one school and the establishment of a computer laboratory at another school in Jammu. The intervention addressed both student mobility and access to technology-enabled learning.

Impact & Outcomes

• Improved access to computers and technology-enabled education.
• Enhanced opportunities for developing digital literacy and practical computer skills.
• Safer and more convenient transportation for students at the beneficiary school.
• Improved educational access and learning opportunities for students from underserved communities.

1. Augmenting Public Seating Infrastructure at Community Spaces

Community spaces used for public gatherings, awareness programmes, administrative facilitation, and social interaction often experience substantial footfall. Adequate seating is essential to ensure comfort and accessibility, particularly for elderly persons, women, and persons with disabilities. Recognizing this need, the Bank supported the installation of garden benches at Haj House, Bemina. The intervention strengthened basic public amenities by providing convenient seating for visitors attending community and public-service activities at the facility.

Impact & Outcomes

• Creation of additional public-seating infrastructure at Haj House, Bemina.
• Enhanced accessibility for elderly persons, women, and persons with disabilities.
• Improved overall experience for people attending community and public-service activities.
• Contribution toward a more inclusive and user-friendly community space.

2. Transport and Physiotherapy Support for Life Help Centre for Child Care (LHCCC)

Children with developmental and neurological disabilities often require specialized education, sustained therapy, and rehabilitative support. The Life Help Centre for Child Care provides educational, therapeutic, and rehabilitation services aimed at supporting the physical, cognitive, and social development of children with special needs. To strengthen these services, the Bank supported the procurement of a dedicated transport vehicle and physiotherapy equipment for the Centre. The intervention addressed mobility barriers faced by beneficiaries and augmented the Centre's capacity to provide regular physiotherapy and rehabilitation services.

Impact & Outcomes

• Availability of dedicated transportation for children accessing the Centre's services.
• Improved access to physiotherapy, education, and rehabilitation support.
• Support for improved mobility, developmental progress, and quality of life among beneficiaries.
• Reduced transportation-related difficulties for children and their families.

3. Physiotherapy and Well-being Centre at GharApnaa Senior Citizen Care Home

Elderly persons often require regular physiotherapy and geriatric care to preserve mobility, functional independence, and overall well-being. Kallpoosh Foundation addresses these needs through GharApnaa Senior Citizen Care Home in Jammu, which provides residential care, healthcare, and social support to senior citizens. Recognizing the need for dedicated rehabilitative care, the Bank supported the establishment of physiotherapy and geriatric-care facilities at the Home. The intervention enabled elderly residents to access specialized support within the institution.

Impact & Outcomes

• Improved access to regular rehabilitative services for elderly residents.
• Support for maintaining mobility and functional independence.
• Strengthened healthcare and well-being support within the residential facility.
• Promotion of active and dignified ageing.
• Contribution toward an improved quality of life for resident senior citizens.

4. Safe Drinking Water Initiative - University of Kashmir, South Campus

The University of Kashmir's South Campus is an important higher- education institution serving students from across South Kashmir. Reliable access to safe drinking water is essential for maintaining health, hygiene, and a conducive academic environment for students, faculty, and staff. To address this requirement, the Bank supported the installation of RO water-purification systems at multiple locations across the campus. The intervention augmented the University's essential amenities and improved access to purified drinking water.

Impact & Outcomes

• Improved availability of safe and purified drinking water for students, faculty, and staff.
• Strengthened health and hygiene standards within the campus.
• Contribution toward a healthier and more conducive academic environment.

5. Nurturing Hope - Child Sponsorship through SOS Children's Villages India

Children without parental care require a stable, nurturing environment and sustained access to education, healthcare, nutrition, and emotional support for their holistic development. SOS Children's Villages India provides family-based care and long-term assistance to help such children grow in a secure and supportive setting. In furtherance of this objective, the Bank supported the care and development of children residing in SOS Children's Villages in Jammu and Srinagar. The assistance covered essential requirements, including education, healthcare, nutrition, clothing, and extracurricular development.

Impact & Outcomes

• Supported access to education, healthcare, nutrition, clothing, and extracurricular activities.
• Strengthened continuity of family-based care for children without parental support.
• Creation of a stable and nurturing environment for beneficiaries.
• Improved opportunities for beneficiaries to pursue dignified and independent futures.

6. Inclusive Mobility Initiative - Support to Composite Regional Centres

Composite Regional Centres provide rehabilitation, therapy, counselling, and assistive services to persons with disabilities, including beneficiaries from remote and underserved areas. Adequate transportation is essential for enabling beneficiaries to access these services and for extending the Centres' outreach beyond their institutional premises. Recognizing this need, the Bank supported the provision of transport vehicles for the Composite Regional Centres at Jammu and Srinagar. The vehicles facilitate beneficiary transportation for physiotherapy, occupational therapy, rehabilitation sessions, and medical consultations, while also enabling the Centres to conduct outreach programmes.

Impact & Outcomes

• Improved transportation access for persons with disabilities requiring therapy and rehabilitation.
• Enhanced capacity to conduct outreach camps in underserved areas.
• Support for disability assessment, certification, distribution of assistive devices, and skill-development programmes.
• Improved inclusion, mobility, and quality of life for persons with disabilities and their families.

7. Renovation of Public Facilities at the High Court of Jammu & Kashmir and Ladakh

The High Court of Jammu & Kashmir and Ladakh serves litigants, legal professionals, students, staff, and members of the public. Given the considerable daily footfall, well-maintained sanitation facilities and functional knowledge spaces are important for ensuring hygiene, convenience, and effective use of the Court's public infrastructure. To strengthen these facilities, the Bank supported the renovation of public washrooms and the refurbishment of the library at the High Court complex in Srinagar. The intervention addressed both sanitation requirements and the need for an improved knowledge resource for the legal community.

Impact & Outcomes

• Improved sanitation, hygiene, and convenience for visitors, professionals, and staff.
• Enhanced functionality and accessibility of an important legal knowledge resource.
• Improved overall experience for users of the High Court's public facilities.

8. Strengthening Community Kitchen Infrastructure - Apna Bhojnalaya

Patients and their attendants visiting government hospitals often face difficulty in accessing affordable and hygienic meals, particularly during prolonged periods of treatment. Sewa Bharti addresses this need through Apna Bhojnalaya at Government Medical College Jammu, which provides low-cost meals primarily to patients and attendants from economically weaker backgrounds. To strengthen the community kitchen's service-delivery capacity, the Bank supported the augmentation of its cooking and seating infrastructure. The intervention enabled the facility to prepare and serve meals more efficiently while improving convenience for beneficiaries.

Impact & Outcomes

• Improved operational capacity to prepare and serve meals efficiently.
• Better access to affordable, nutritious, and hygienic food for patients and attendants.
• Enhanced seating convenience and dining conditions for beneficiaries.
• Reduced food-related financial burden on families during medical treatment.

9. Project VIKAS - Pan-J&K Community Development Initiative

The districts of Jammu & Kashmir have varied developmental requirements across healthcare, education, sanitation, digital access, and community infrastructure. Addressing these needs requires locally relevant interventions planned in coordination with district authorities. In pursuit of balanced regional development, the Bank implemented Project VIKAS across all 20 districts of Jammu & Kashmir. The programme comprised district-specific interventions, including smart classrooms, advanced diagnostic equipment for healthcare institutions, upgraded Anganwadi centres, sanitation and waste-management systems, water ATMs, digital-service vans, and other essential community assets.

Impact & Outcomes

• Implementation of need-based interventions across all 20 districts of Jammu & Kashmir.
• Improved access to essential healthcare, education, sanitation, digital, and community services across Jammu & Kashmir.
• Enhanced quality of life through need-based interventions addressing locally identified developmental gaps.
• Greater inclusion of vulnerable, underserved, and remote communities in the delivery of essential public services.
• Strengthened community welfare through the creation and improvement of accessible public infrastructure.
• Improved institutional capacity to respond to local social and developmental needs.
• Contribution toward balanced, inclusive, and sustainable socio- economic development across Jammu & Kashmir.

10. Strengthening Infrastructure at Zaiba Aapa Institute of Inclusive Education

The Zaiba Aapa Institute of Inclusive Education in Anantnag, operated by Humanity Welfare Organization Helpline, provides tailored education, therapeutic support, and skill-development opportunities to children with disabilities. Appropriate physical, digital, and energy infrastructure is essential for creating an accessible and supportive learning environment for its students. To augment the Institute's capabilities, the Bank supported classroom upgrades, digital-learning resources, and the installation of solar panels. The intervention combined educational infrastructure development with renewable-energy support to improve the learning environment and institutional functioning.

Impact & Outcomes

• Improved access to digital-learning resources and technology-enabled education.
• Integration of renewable energy through the installation of solar panels.
• Creation of a more accessible, comfortable, and supportive learning environment.
• Strengthened institutional capacity to provide inclusive education and developmental support.
• Contribution toward the holistic development, skill-building, and educational inclusion of students with disabilities.

1. Project Sabzaar - Plantation Drive in Collaboration with the Indian Army (South)

The fragile Himalayan ecosystem requires sustained efforts to restore green cover, conserve biodiversity, improve soil stability, and promote environmentally responsible land use. Plantation initiatives are particularly important in ecologically sensitive areas affected by land degradation and declining vegetation. To contribute to this objective, the Bank supported Project Sabzaar in collaboration with the Indian Army's 342 ASC Battalion in South Kashmir. The project involved planting over 5,000 fruit-bearing trees-including apple, walnut, apricot, peach, and plum-on Army-managed land, with structured execution and maintenance support from the Army.

Impact & Outcomes

• Increased green cover in the identified project areas.
• Support for soil conservation, ecological restoration, and biodiversity.
• Creation of sustainably maintained green spaces through the Army's continued involvement.
• Strengthened institutional collaboration for ecological sustainability in Jammu & Kashmir.

2. Re-Leaf Jammu - Plantation Drive in Collaboration with Chenab Brigade of the Indian Army

Environmental degradation and loss of green cover can adversely affect biodiversity, soil quality, and climate resilience in the ecologically sensitive landscape of the Jammu region. Afforestation, combined with sustainable waste-management practices, can contribute to the restoration and long-term protection of such areas. To advance this objective, the Bank collaborated with the Indian Army's Chenab Brigade (19 Infantry Brigade) to implement Re-Leaf Jammu across identified Army-managed areas. The initiative involved planting over 10,000 fruit-bearing and pine trees suited to local ecological conditions and establishing an organic-waste composting system within the project area.

Impact & Outcomes

• Expansion of green cover across identified areas in the Jammu region.
• Support for ecological restoration, biodiversity, and climate resilience.
• Establishment of an organic-waste composting system.
• Increased environmental awareness and collaboration between civil institutions and the Armed Forces.

3. Strengthening Solid Waste Management Infrastructure at Shiv Khori Shrine, Reasi

Religious destinations with high visitor footfall require efficient waste-management systems to maintain cleanliness, protect the surrounding environment, and support a positive visitor experience. Shiv Khori Shrine in Reasi is an important pilgrimage destination that attracts numerous visitors and contributes to the region's tourism and local economy. Recognizing the need to preserve the shrine's sanctity and environmental integrity, the Bank supported the strengthening of solid-waste management infrastructure in and around the shrine premises. The intervention augmented local waste-collection and disposal mechanisms at the pilgrimage site.

Impact & Outcomes

• Improved waste-collection and disposal capacity at Shiv Khori Shrine.
• Enhanced cleanliness and sanitation within and around the shrine premises.
• Promotion of environmentally responsible practices among visitors and stakeholders.
• Contribution toward environmentally sustainable management of religious tourism.

4. Solar Power Plant at BALGRAN - A Charitable Home for Destitute Children

Institutions providing residential care and education to vulnerable children require a reliable power supply to ensure uninterrupted delivery of essential services. BALGRAN in Jammu provides shelter, education, and holistic care to destitute, orphaned, and underprivileged children, supporting their rehabilitation and social integration. Recognizing the institution's contribution, the Bank facilitated the installation of a 30 KW solar power plant at BALGRAN. The renewable- energy system supports the power requirements of its residential childcare home and school facilities while reducing dependence on conventional sources of electricity.

Impact & Outcomes

• Reduced dependence on conventional energy sources.
• Lower electricity expenditure for the institution.
• Greater scope to direct institutional resources toward children's education, welfare, and development.
• Contribution to environmental sustainability through the adoption of renewable energy.

1. Empowering Rural Youth Through JKBRSETI

Limited access to vocational skills and employment opportunities can restrict the livelihood prospects of rural youth, particularly in underserved areas. Practical training and entrepreneurship development can enable young people to pursue self-employment, generate income, and achieve greater financial independence. To address this need, the Bank extended financial support to the JKBRSETI Society, which operates a network of 12 Rural Self Employment Training Institutes across Jammu & Kashmir. These institutes provide free vocational and entrepreneurship-oriented training in tailoring, retail, hospitality, agriculture, and other livelihood-linked trades.

Impact & Outcomes

• Improved access to vocational training for unemployed rural youth.
• Development of practical and market-relevant skills across multiple trades.
• Better preparedness among participants to pursue self-employment and micro-enterprise opportunities.
• Promotion of entrepreneurship, income generation, and financial independence.
• Contribution toward the socio-economic empowerment of rural youth and communities.

1. Awareness Campaign for Financial Inclusion & Social Security Schemes in Gram Panchayats

Limited access to reliable information about formal banking, digital financial tools, and government-backed social-security schemes remains a challenge in several rural and remote areas of Jammu & Kashmir. This can prevent households from effectively using banking services and availing themselves of financial-protection programmes. To address this gap, the Bank undertook targeted awareness campaigns across various districts, focusing on banking services, digital payments, cyber safety, insurance and pension schemes, and responsible financial practices. The outreach used informational pamphlets, newspaper advertisements, radio campaigns, and static signages at Bank branches to ensure wide and sustained dissemination.

Impact & Outcomes

• Wider dissemination of financial and social-security information among rural communities.
• Improved awareness of formal banking services and digital-payment systems.
• Better understanding of insurance, pension, and government-backed social-security schemes.
• Encouragement of informed participation in formal and digital financial systems.
• Strengthened grassroots financial literacy and financial well-being in underserved areas.

2. Entrepreneurial Training Programme on Honey Production in J&K

The diverse agro-climatic conditions of Jammu & Kashmir provide favourable opportunities for apiculture as a sustainable agriculture- based enterprise. Honey production can supplement rural incomes, generate employment, strengthen local agro-based industries, and support crop productivity through improved pollination. To harness this potential, the Bank supported entrepreneurial training programmes on honey production in Ramban, Baramulla, and Kupwara districts. The programmes covered scientific beekeeping, seasonal hive management, honey extraction, processing, value addition, and the commercial potential of locally produced honey.

Impact & Outcomes

• Delivery of apiculture training across Ramban, Baramulla, and Kupwara.
• Improved knowledge of scientific beekeeping and seasonal hive management.
• Development of practical skills in honey extraction, processing, and value addition.
• Greater awareness of the commercial potential of honey production.
• Support for rural employment, local agro-based enterprises, and ecological balance through pollination.

3. Deployment of Mobile Vans for Financial Inclusion Outreach in J&K

Challenging terrain, dispersed habitations, harsh weather, and limited physical banking infrastructure can constrain access to financial information in remote areas of Jammu & Kashmir. These barriers particularly affect unbanked, underbanked, and economically vulnerable communities. To strengthen last-mile outreach, the Bank deployed mobile awareness vans across remote and difficult-to-access areas of the Union Territory. Equipped with public-address systems and audio-awareness content, the vans disseminated information on banking services, digital platforms, social-security schemes, insurance and pension programmes, and safe financial practices through direct community engagement.

Impact & Outcomes

• Extension of financial-literacy outreach to remote and underserved communities.
• Better understanding of government-backed insurance, pension, and social-security schemes.
• Direct engagement with unbanked and underbanked populations.
• Increased awareness of safe financial practices.
• Encouragement of greater adoption of formal banking and digital financial services.

1. Scoring Goals, Shaping Futures - Promoting Football in J&K and Ladakh

Organized sports contribute to physical fitness, discipline, teamwork, confidence, and constructive youth engagement. In regions where professional training facilities are limited, structured coaching and competitive exposure can help identify talent and create meaningful pathways for young sportspersons. Recognizing the developmental role of sports, the Bank supported grassroots football through its three separate academies in Jammu, Srinagar, and Ladakh. The academies provide aspiring footballers with professional coaching, structured training, nutritional support, modern training facilities, and opportunities for competitive exposure.

Impact & Outcomes

• Access to structured football training through academies in Jammu, Srinagar, and Ladakh.
• Availability of professional coaching, nutritional support, and modern training facilities.
• Identification and development of aspiring football talent at the grassroots level.
• Constructive engagement of young people through organized sports.
• Strengthening of the football ecosystem across Jammu & Kashmir and Ladakh.