Updated 10 Oct 2026 Next print: September's consumer prices, about 12 October
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States and union territories / Jammu and Kashmir Union territory with a legislature, IN-JK
Union territory profile, North

Jammu and Kashmir

How Jammu and Kashmir earns, spends, works, borrows, learns, falls ill and warms, set against India and its neighbours, in 116 figures from 67 official tables. Each figure carries its own year: states publish on different timetables.

Kind Union territory with a legislature Codes IN-JK, LGD 1 Neighbours Ladakh, Himachal Pradesh, Punjab Series naming it 10,472 in 15 guides
Income per person
₹1,55,398
2024-25, 27th of 32, counted from the highest
Real growth of GSDP
6.1%
2024-25, 3rd lowest of 32India 6.5%
Retail inflation (CPI)
4.1%
Aug 2026, near the middle, 21st of 36 counted from the highestIndia 4.8%
Unemployment rate
4.9%
2025, near the middle, 13th of 36 counted from the highestIndia 3.1%
Monthly spending per person, rural
₹4,774
2023-24, near the middle, 22nd of 36 counted from the highestIndia ₹4,122
Credit-deposit ratio
58.5%
end Jun 2026, near the middle, 20th of 36 counted from the highestIndia 83.0%
01

Where Jammu and Kashmir stands

Each row puts every state and union territory with a figure for the same period on one line, lowest on the left and highest on the right. Jammu and Kashmir is the blue dot; India, where the source gives an all-India figure for that period, is the gold tick. Rows read on their own scales: a dot near the right of one row and the left of another says where Jammu and Kashmir ranks, not how big the numbers are.

A union territory with an elected legislature.

Jammu and Kashmir among the states and union territories

Each measure at its comparison period, the latest that at least three in four units have published.
Source: India Atlas, from the bundles named under each section below. Ranks count only units with a figure for the same period.
02

Income and growth

State domestic product is everything produced inside the state in a year. Divided by the people who live there, it is the nearest thing to an average income each state publishes, though it measures production, not what people take home. Every figure here is on MoSPI's 2011-12 base.

In Jammu and Kashmir, income per person was ₹1,55,398 in 2024-25, 27th of the 32 states and union territories with figures for 2024-25, counted from the highest. Jammu and Kashmir's estimate for 2025-26, which 15 states and union territories have published so far, is ₹1,68,243. That is about ₹426 a day for each person, before anyone pays for food, rent or school, and before it is split, very unequally, between wages, profits and taxes.

In Jammu and Kashmir, the economy's real growth (GSDP at constant prices) was 6.1% in 2024-25, 3rd lowest of 32 states and union territories with figures for 2024-25. The all-India figure was 6.5%. Jammu and Kashmir's estimate for 2025-26, which 15 states and union territories have published so far, is 5.8%.

In Jammu and Kashmir, gross state domestic product (GSDP), the size of the economy was ₹2.62 lakh crore in 2024-25, near the middle of the 32 states and union territories with figures for 2024-25 (21st counted from the highest). Jammu and Kashmir's estimate for 2025-26, which 15 states and union territories have published so far, is ₹2.86 lakh crore.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: income per person ₹98,738 (2018-19); income per person, 2011-12 prices ₹69,183 (2018-19); size of the economy (GSDP) ₹1.60 lakh crore (2018-19); real growth of GSDP 7.9% (2018-19); real growth of income per person 5.4% (2018-19).

Income per person in Jammu and Kashmir, each year

Per-capita net state domestic product, ₹ a year at current prices, base 2011-12, against the middle state of the 31 that report every year.
Source: MoSPI, regional accounts (states-pcnsdp-current, states-spread). Each state's own population, as published.Data

How fast Jammu and Kashmir's economy grew, after inflation

Real growth of GSDP each year, per cent, at constant 2011-12 prices; the line is India's GDP on the same base, computed from MoSPI's levels.
Source: MoSPI, regional accounts (states-growth-real) and national accounts, base 2011-12 (gdp-annual-levels).
MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Income per person, 2011-12 prices ₹80,2622025-26: ₹84,730 2024-25 27th of 32, counted from the highest no figure Row
Real growth of income per person 6.3%2025-26: 5.6% 2024-25 near the middle, 18th of 32 counted from the highest no figure Row

Read from: states-pcnsdp-current, states-pcnsdp-constant, states-gsdp-current, states-growth-real.

03

What the economy runs on

What the state's output is made of: farms, forests and fishing; industry, which is mining, manufacturing, power and water, and construction; and services, from shops and transport to banks, schools, hospitals and government.

In Jammu and Kashmir, services' share was 61.6% in 2024-25, 9th of the 32 states and union territories with figures for 2024-25, counted from the highest. The all-India figure was 54.9%. Jammu and Kashmir's estimate for 2025-26, which 15 states and union territories have published so far, is 61.0%.

In Jammu and Kashmir, farming's share of the state's output (GSVA) was 19.6% in 2024-25, near the middle of the 32 states and union territories with figures for 2024-25 (15th counted from the highest). The all-India figure was 17.9%. Jammu and Kashmir's estimate for 2025-26, which 15 states and union territories have published so far, is 20.1%.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: farming's share of output 17.9% (2018-19); industry's share of output 21.3% (2018-19); services' share of output 60.8% (2018-19); manufacturing's share of output 7.4% (2018-19).

What Jammu and Kashmir's output is made of, against India

Shares of gross value added at current prices, per cent, 2024-25. Base 2011-12.
Source: MoSPI, regional accounts (states-structure) and national accounts, base 2011-12 (gdp-annual-industries).
MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Industry's share of output 18.8%2025-26: 18.9% 2024-25 5th lowest of 32 27.1% Row
Manufacturing's share of output 6.1%2025-26: 6.0% 2024-25 25th of 32, counted from the highest 13.9% Row

Read from: states-structure, states-industry-shares.

04

Prices

Retail inflation on the 2024 base of the Consumer Price Index, which began in January 2026: how much more the same basket of goods and services cost than a year earlier. Each state has its own basket, so a state's index and the all-India index weigh items differently.

In Jammu and Kashmir, retail inflation (prices against a year earlier) was 4.1% in August 2026, near the middle of the 36 states and union territories with figures for August 2026 (21st counted from the highest). The all-India figure was 4.8%. Something that cost ₹100 a year earlier cost about ₹104 in August 2026, on the average shopping basket of Jammu and Kashmir.

In Jammu and Kashmir, inflation in food and drink was 4.7% in August 2026, near the middle of the 36 states and union territories with figures for August 2026 (20th counted from the highest). The all-India figure was 5.7%.

Prices in Jammu and Kashmir against a year earlier, on two rulers

Consumer Price Index, combined, per cent change on the same month a year earlier: base 2012 to December 2025, base 2024 from January 2026. The two are different indices and are not joined. Grey: All India.
Source: MoSPI, NSO, CPI (cpi-states, cpi-2024-states, cpi, cpi-2024).
MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Inflation for farm labourers (CPI-AL) 2.8% Aug 2026 5th lowest of 32 5.2% Row

Read from: cpi-2024-states, cpialrl-states-2019, cpi-2024-states-divisions.

05

Work and pay

From the Periodic Labour Force Survey's calendar-year estimates for 2025, the survey's new design. Usual status counts what a person did for most of the year. Wages are the Labour Bureau's daily rates for men in rural India, as the RBI's Handbook reprints them.

In Jammu and Kashmir, the unemployment rate (age 15 and above, usual status) was 4.9% in 2025, near the middle of the 36 states and union territories with figures for 2025 (13th counted from the highest). The all-India figure was 3.1%.

In Jammu and Kashmir, the unemployment rate among graduates (usual status) was 20.9% in 2025, 6th of the 36 states and union territories with figures for 2025, counted from the highest. The all-India figure was 11.2%.

In Jammu and Kashmir, the share of women working or looking for work was 53.1% in 2025, 8th of the 36 states and union territories with figures for 2025, counted from the highest. The all-India figure was 40.0%.

In Jammu and Kashmir, the daily wage of a man doing general farm work was ₹590 a day in 2024-25, 2nd highest of 19 states and union territories with figures for 2024-25. The all-India figure was ₹398 a day.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: daily wage, farm labour (men) ₹444 a day (2018-19); daily wage, non-farm labour (men) ₹434 a day (2018-19); daily wage, construction (men) ₹451 a day (2018-19).

Women and men at work in Jammu and Kashmir, against India

Per cent, age 15 and above, usual status, calendar year 2025. Gold ticks: All India.
Source: MoSPI, Periodic Labour Force Survey, calendar-year estimates (plfs-cy25-states-ur, -lfpr, -wpr; plfs-cy25-india).
MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Unemployment, age 15 to 29 14.1% 2025 near the middle, joint 16th of 36 counted from the highest 9.9% Row
Unemployment, women 6.5% 2025 12th of 36, counted from the highest 3.1% Row
Unemployment, men 3.9% 2025 near the middle, 17th of 36 counted from the highest 3.1% Row
Men in the labour force 76.3% 2025 near the middle, 24th of 36 counted from the highest 79.1% Row
Women in work 49.6% 2025 9th of 36, counted from the highest 38.8% Row
Men in work 73.3% 2025 near the middle, 24th of 36 counted from the highest 76.6% Row
Daily wage, non-farm labour (men) ₹572 a day 2024-25 2nd highest of 19 ₹396 a day Row
Daily wage, construction (men) ₹585 a day 2024-25 2nd highest of 20 ₹441 a day Row

Read from: plfs-cy25-states-ur, plfs-cy25-states-lfpr, plfs-cy25-states-wpr, states-hbs-t113, states-hbs-t115, states-hbs-t112.

06

How households live

Spending from the Household Consumption Expenditure Survey 2023-24; poverty from NITI Aayog's multidimensional index; homes, women's lives and families from the sixth National Family Health Survey (2023-24), with the fifth round (2019-21) beside each figure as the NFHS-6 fact sheets print it. Toilets and cooking fuel are not in the NFHS-6 fact sheets, so they come from NFHS-5.

In Jammu and Kashmir, monthly spending per person in villages was ₹4,774 in 2023-24, near the middle of the 36 states and union territories with figures for 2023-24 (22nd counted from the highest). The all-India figure was ₹4,122. A month's ₹4,774 is about ₹159 a day for each person in the household, for food, fuel, rent, travel, school and everything else.

In Jammu and Kashmir, monthly spending per person in towns and cities was ₹6,327 in 2023-24, 28th of the 36 states and union territories with figures for 2023-24, counted from the highest. The all-India figure was ₹6,996. A month's ₹6,327 is about ₹211 a day for each person in the household, for food, fuel, rent, travel, school and everything else.

In Jammu and Kashmir, monthly spending per person of the poorest 5% of village households was ₹2,175 in 2023-24, near the middle of the 36 states and union territories with figures for 2023-24 (21st counted from the highest). The all-India figure was ₹1,677.

In Jammu and Kashmir, food's share of what village households spend was 51.3% in 2023-24, 5th highest of 36 states and union territories with figures for 2023-24. The all-India figure was 47.0%.

In Jammu and Kashmir, the share of people who are multidimensionally poor (NITI Aayog) was 4.8% in 2019-21, 25th of the 36 states and union territories with figures for 2019-21, counted from the highest. The all-India figure was 15.0%.

In Jammu and Kashmir, the share of people in homes with an improved toilet was 75.7% in NFHS-5, 2019-21, near the middle of the 36 states and union territories with figures for 2019-21 (20th counted from the highest). The all-India figure was 70.2%.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: multidimensionally poor 12.6% (2015-16).

MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Food's share of spending, urban 42.5% 2023-24 near the middle, 15th of 36 counted from the highest 39.7% Row
Spending of the richest 5%, rural ₹10,567 2023-24 near the middle, 21st of 36 counted from the highest ₹10,137 Row
Inequality of spending (Gini), rural 0.220 2023-24 joint 12th of 36, counted from the highest 0.237 Row
Inequality of spending (Gini), urban 0.247 2023-24 near the middle, 21st of 36 counted from the highest 0.284 Row
Monthly spending per person, Scheduled Caste households, rural ₹4,806 2023-24 near the middle, 18th of 35 counted from the highest ₹3,878 Row
Adults with a bank account 97.0% NSS 79, 2022-23 11th of 36, counted from the highest 94.6% no row
Homes with broadband 43.3% NSS 78, 2020-21 near the middle, 22nd of 36 counted from the highest 41.8% no row
Clean cooking fuel 69.2% NFHS-5, 2019-21 near the middle, 18th of 36 counted from the highest 58.6% Row
Improved drinking water 93.9%NFHS-5, 2019-21: 91.9% NFHS-6, 2023-24 25th of 35, counted from the highest 96.5% Row
Electricity at home 99.4%NFHS-5, 2019-21: 99.3% NFHS-6, 2023-24 near the middle, joint 14th of 35 counted from the highest 98.3% Row
Health insurance 96.3%NFHS-5, 2019-21: 13.8% NFHS-6, 2023-24 the highest of 35 60.2% Row
Women with a bank account 93.0%NFHS-5, 2019-21: 84.9% NFHS-6, 2023-24 joint 7th of 35, counted from the highest 89.0% Row
Women with a mobile phone 76.9%NFHS-5, 2019-21: 75.2% NFHS-6, 2023-24 near the middle, 15th of 35 counted from the highest 63.6% Row
Women who have used the internet 63.6%NFHS-5, 2019-21: 43.3% NFHS-6, 2023-24 near the middle, joint 23rd of 35 counted from the highest 64.3% Row
Women with 10 years of school 50.1%NFHS-5, 2019-21: 51.3% NFHS-6, 2023-24 near the middle, 20th of 35 counted from the highest 46.4% Row
Women married before 18 5.1%NFHS-5, 2019-21: 4.5% NFHS-6, 2023-24 4th lowest of 35 20.1% Row
Sex ratio at birth 976 NFHS-5, 2019-21 8th of 36, counted from the highest 929 Row
Households with a bank account 98.7%NFHS-5, 2019-21: 96.8% NFHS-6, 2023-24 joint 9th of 35, counted from the highest 98.2% Row
Women who own a house or land 5.0%NFHS-5, 2019-21: 5.7% NFHS-6, 2023-24 the lowest of 35 18.8% Row
Children aged 2 to 4 in pre-school 40.1%NFHS-5, 2019-21: 27.2% NFHS-6, 2023-24 30th of 35, counted from the highest 47.0% Row
Women who faced spousal violence 3.4%NFHS-5, 2019-21: 9.7% NFHS-6, 2023-24 2nd lowest of 35 22.3% Row

No figure for Jammu and Kashmir: monthly income of a farm household; assets of a rural household; debt of a rural household; rural households in debt; people with a disability; women among MLAs. The source does not publish them for this unit.

Read from: hces-states, hces-categories-states, hces-fractiles-states, hces-gini-states, hces-social-states, profiles-mospi-nss77-0-24, profiles-mospi-nss77aidis-1-6, profiles-mospi-nss79-1-14, profiles-mospi-nss78-0-7, profiles-mospi-nss76-1-1, states-hbs-t010, nfhs-5-household, profiles-nfhs6, gender-t126-states.

07

Health

Nutrition, births, vaccination, blood pressure and blood sugar from the sixth National Family Health Survey (2023-24); anaemia, which its fact sheets do not print, from the fifth (2019-21); infant deaths and life expectancy from the Sample Registration System; government hospital beds from the Ministry of Health, as the RBI's Handbook reprints them.

In Jammu and Kashmir, the share of children under five who are too short for their age was 21.4% in NFHS-6, 2023-24, 26th of the 35 states and union territories with figures for 2023-24, counted from the highest. The all-India figure was 29.3%. In the previous round, NFHS-5, 2019-21, it was 26.9%. That is about 21 in every 100 children under five, a sign of poor nutrition in the years when it matters most.

In Jammu and Kashmir, the share of births in a hospital or health centre was 93.6% in NFHS-6, 2023-24, near the middle of the 35 states and union territories with figures for 2023-24 (21st counted from the highest). The all-India figure was 90.6%. In the previous round, NFHS-5, 2019-21, it was 92.4%.

In Jammu and Kashmir, the share of women aged 15 and above with high blood pressure, or on medicine for it was 25.0% in NFHS-6, 2023-24, 6th of the 35 states and union territories with figures for 2023-24, counted from the highest. The all-India figure was 19.4%. In the previous round, NFHS-5, 2019-21, it was 20.0%.

In Jammu and Kashmir, the share of women aged 15 to 49 who are anaemic was 65.9% in NFHS-5, 2019-21, 4th highest of 36 states and union territories with figures for 2019-21. The all-India figure was 57.0%.

In Jammu and Kashmir, the number of infant deaths for every 1,000 live births (Sample Registration System) was 14 in 2022-23, near the middle of the 34 states and union territories with figures for 2022-23 (joint 19th counted from the highest). The all-India figure was 25.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: infant deaths per 1,000 births 20 (2018-19); life expectancy at birth 74.2 years (2018-19).

MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Children wasted 10.6%NFHS-5, 2019-21: 19.0% NFHS-6, 2023-24 joint 5th lowest of 35 19.0% Row
Children anaemic 72.7% NFHS-5, 2019-21 4th highest of 36 67.1% Row
Children fully vaccinated 89.4%NFHS-5, 2019-21: 86.2% NFHS-6, 2023-24 9th of 35, counted from the highest 82.6% Row
Children per woman 1.8NFHS-5, 2019-21: 1.4 NFHS-6, 2023-24 near the middle, joint 14th of 35 counted from the highest 2.0 Row
Women overweight or obese 36.7%NFHS-5, 2019-21: 29.4% NFHS-6, 2023-24 near the middle, 15th of 35 counted from the highest 30.7% Row
Men with high blood pressure 20.9%NFHS-5, 2019-21: 18.9% NFHS-6, 2023-24 near the middle, 23rd of 35 counted from the highest 22.1% Row
Women with high blood sugar 13.0%NFHS-5, 2019-21: 8.7% NFHS-6, 2023-24 28th of 35, counted from the highest 17.8% Row
Men with high blood sugar 11.3%NFHS-5, 2019-21: 8.0% NFHS-6, 2023-24 4th lowest of 35 20.9% Row
Men who use tobacco 30.1%NFHS-5, 2019-21: 38.5% NFHS-6, 2023-24 near the middle, 21st of 35 counted from the highest 36.3% Row
Life expectancy at birth 74.4 years 2022-23 joint 2nd highest of 22 70.3 years Row
Government hospital beds 9,934 2022-23 near the middle, 20th of 36 counted from the highest 8,40,455 Row

Read from: profiles-nfhs6, nfhs-5-anaemia, states-hbs-t004, states-hbs-t007, states-hbs-t017.

08

Money

Bank deposits and credit booked at branches in the state, from the RBI's quarterly statistics, and the number of bank branches. Credit is counted where a loan is sanctioned, which is not always where the money is spent.

In Jammu and Kashmir, the credit-deposit ratio (bank loans booked in the state for every ₹100 deposited there) was 58.5% at the end of June 2026, near the middle of the 36 states and union territories with figures for the end of June 2026 (20th counted from the highest). The all-India figure was 83.0%. For every ₹100 deposited with banks in Jammu and Kashmir, they have lent about ₹58 in Jammu and Kashmir. The rest is lent elsewhere.

In Jammu and Kashmir, the total of bank deposits was ₹2.06 lakh crore at the end of June 2026, near the middle of the 36 states and union territories with figures for the end of June 2026 (21st counted from the highest). The all-India figure was ₹256.52 lakh crore.

In Jammu and Kashmir, farm loans' share of bank credit booked in the state was 11.5% at the end of June 2026, near the middle of the 36 states and union territories with figures for the end of June 2026 (17th counted from the highest). The all-India figure was 11.2%.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: urban co-operative banks 4 (end Mar 2019); deposits in urban co-operative banks ₹563 crore (end Mar 2019).

Jammu and Kashmir's 20 districts, the ten largest, by bank deposits, as on 31 March 2026 (RBI, Basic Statistical Returns; amounts are the sums of the rural, semi-urban, urban and metropolitan figures as published)
DistrictDepositsCreditCredit-deposit ratioWomen's share of loans to individuals
Jammu₹74,664 crore₹42,776 crore57.3%20.9%
Srinagar₹38,284 crore₹27,264 crore71.2%16.1%
Kathua₹11,719 crore₹8,835 crore75.4%16.8%
Anantnag₹9,065 crore₹9,434 crore104.1%11.8%
Samba₹8,753 crore₹7,111 crore81.2%17.0%
Baramulla₹8,493 crore₹11,101 crore130.7%12.5%
Udhampur₹8,306 crore₹5,811 crore70.0%14.3%
Rajouri₹7,727 crore₹5,772 crore74.7%14.5%
Badgam₹6,666 crore₹8,328 crore124.9%14.5%
Pulwama₹5,716 crore₹7,819 crore136.8%11.7%
The other 10 districts
The rest of Jammu and Kashmir's districts, by bank deposits, as on 31 March 2026
DistrictDepositsCreditCredit-deposit ratioWomen's share of loans to individuals
Poonch₹4,583 crore₹3,277 crore71.5%13.8%
Reasi₹4,258 crore₹3,207 crore75.3%17.4%
Kupwara₹4,224 crore₹6,765 crore160.2%12.0%
Doda₹3,736 crore₹3,703 crore99.1%15.6%
Kulgam₹3,332 crore₹3,847 crore115.5%11.2%
Kishtwar₹3,084 crore₹2,532 crore82.1%16.0%
Ganderbal₹2,439 crore₹3,106 crore127.3%16.2%
Ramban₹2,333 crore₹2,193 crore94.0%12.7%
Shopian₹2,240 crore₹3,568 crore159.3%10.7%
Bandipora₹1,972 crore₹2,526 crore128.1%12.1%
MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Bank credit ₹1.20 lakh crore end Jun 2026 near the middle, 20th of 36 counted from the highest ₹212.88 lakh crore Row
Personal loans, share of bank credit 52.8% end Jun 2026 11th of 36, counted from the highest 30.9% Row
Urban co-operative banks 4 end Mar 2026 near the middle, 19th of 29 counted from the highest no figure Row
Deposits in urban co-operative banks ₹501 crore end Mar 2024 22nd of 29, counted from the highest no figure Row
Bank branches 1,987 end Jun 2026 near the middle, 21st of 36 counted from the highest no figure Row

Read from: credit-states-cd, credit-states, credit-states-occupation, banks-ucb-states-dbie, banks-ucb-states, credit-deep-offices-states.

09

Industry, energy and exports

Registered factories from the Annual Survey of Industries; small unincorporated businesses outside farming, from the Annual Survey of Unincorporated Sector Enterprises; renewable power from the Ministry of New and Renewable Energy; electricity supply from the Central Electricity Authority and goods exports by state of origin from the commerce ministry, as the RBI's Handbook reprints them.

In Jammu and Kashmir, the number of factories in operation was 932 in 2023-24, near the middle of the 36 states and union territories with figures for 2023-24 (23rd counted from the highest). The all-India figure was 2,12,990.

In Jammu and Kashmir, the number of unincorporated enterprises outside farming (ASUSE) was 7,00,352 in 2023-24, near the middle of the 36 states and union territories with figures for 2023-24 (20th counted from the highest). The all-India figure was 7,33,99,476.

In Jammu and Kashmir, the renewable power capacity installed was 3,723 MW in July 2026, near the middle of the 36 states and union territories with figures for July 2026 (13th counted from the highest). The all-India figure was 2,91,726 MW.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: electricity available per person 1,192 kWh (2018-19); power lost in transmission 42.2% (2018-19); goods exported US$196 million (2018-19).

What Jammu and Kashmir's registered factories make: the largest industries by value added, 2023-24 (Annual Survey of Industries; 22 industries in all)
Industry (NIC 2008 division)Value addedShare of the state's factory value addedPeople engaged
Chemicals and Chemical Products₹3,397 crore40.9%11,146
Pharmaceuticals, Medicinal Chemical and Botanical Products₹1,474 crore17.7%9,909
Rubber and Plastics Products₹858 crore10.3%7,969
Food Products₹453 crore5.5%5,922
Basic Metals₹371 crore4.5%5,285
Beverages₹321 crore3.9%2,235
Other Non-metallic Mineral Products₹254 crore3.1%3,105
Electrical Equipment₹232 crore2.8%1,730
MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
People working in factories 66,954 2023-24 near the middle, 24th of 36 counted from the highest 1,95,89,131 Row
Value added by factories ₹8,304 crore 2023-24 near the middle, 24th of 36 counted from the highest ₹24,58,336 crore Row
Workers in informal enterprises 10,62,851 2023-24 near the middle, 20th of 36 counted from the highest 12,05,99,815 Row
Solar power capacity 168 MW Jul 2026 near the middle, 22nd of 36 counted from the highest 1,64,595 MW Row
Wind power capacity 0 MW Jul 2026 not ranked 58,137 MW Row
Electricity available per person 1,480 kWh 2024-25 near the middle, 13th of 34 counted from the highest 1,208 kWh Row
Power lost in transmission 50.9% 2022-23 the highest of 34 17.7% Row
Goods exported US$70 million 2024-25 25th of 36, counted from the highest US$437.42 billion Row

Read from: asi-states, asuse-states, mnre-states, mnre-states-solar, mnre-states-wind, states-hbs-t138, states-hbs-t148, states-hbs-t181.

10

Farms

Crop output, yield, irrigation and milk from the Ministry of Agriculture and Farmers Welfare and the Department of Animal Husbandry, as the RBI's Handbook of Statistics on Indian States reprints them; fertiliser use per hectare from the farms guide's state tables. The farms guide holds every crop for every state since 1980-81.

In Jammu and Kashmir, the foodgrain harvest was 18.4 lakh tonnes in 2024-25, near the middle of the 31 states and union territories with figures for 2024-25 (18th counted from the highest). The all-India figure was 3,577 lakh tonnes.

In Jammu and Kashmir, the foodgrain yield was 2,074 kg a hectare in 2024-25, 23rd of the 31 states and union territories with figures for 2024-25, counted from the highest. The all-India figure was 2,601 kg a hectare.

In Jammu and Kashmir, the rice harvest was 6.4 lakh tonnes in 2024-25, near the middle of the 31 states and union territories with figures for 2024-25 (19th counted from the highest). The all-India figure was 1,502 lakh tonnes.

In Jammu and Kashmir, the wheat harvest was 5.9 lakh tonnes in 2024-25, near the middle of the 25 states and union territories with figures for 2024-25 (11th counted from the highest). The all-India figure was 1,179 lakh tonnes.

In Jammu and Kashmir, the fertiliser (nitrogen, phosphate and potash) used on each hectare was 95 kg a hectare in 2020-21, near the middle of the 30 states and union territories with figures for 2020-21 (17th counted from the highest). The all-India figure was 137 kg a hectare.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: foodgrains grown 18.9 lakh tonnes (2018-19); foodgrain yield 2,178 kg a hectare (2018-19); cropping intensity 158 (2018-19); rice grown 6.2 lakh tonnes (2018-19); wheat grown 6.7 lakh tonnes (2018-19); pulses grown 0.1 lakh tonnes (2018-19); oilseeds grown 0.6 lakh tonnes (2018-19); sugarcane grown 0.0 lakh tonnes (2018-19); milk produced 25.4 lakh tonnes (2018-19).

MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Cropped area irrigated 42.0% 2023-24 near the middle, 17th of 31 counted from the highest 59.9% Row
Cropping intensity 153 2023-24 near the middle, 13th of 31 counted from the highest 157 Row
Pulses grown 0.1 lakh tonnes 2024-25 24th of 31, counted from the highest 257 lakh tonnes Row
Oilseeds grown 0.4 lakh tonnes 2024-25 near the middle, 20th of 31 counted from the highest 430 lakh tonnes Row
Sugarcane grown 0.0 lakh tonnes 2024-25 the lowest of 29 4,546 lakh tonnes Row
Milk produced 28.8 lakh tonnes 2023-24 near the middle, 15th of 34 counted from the highest 2,393 lakh tonnes Row

No figure for Jammu and Kashmir: cotton grown. The source does not publish it for this unit.

Read from: states-hbs-t062, states-hbs-t084, states-hbs-t055, states-hbs-t057, states-hbs-t058, states-hbs-t059, states-hbs-t061, states-hbs-t063, states-hbs-t065, states-hbs-t064, farms-states-fertiliser, states-hbs-t091.

11

Education

Schools from UDISE+, the Ministry of Education's census of every school, as MoSPI serves it (2018-19 to 2024-25); college enrolment from the All India Survey on Higher Education (2021-22). A gross enrolment ratio counts every enrolled student, of any age, against the population of the official age group, so it can pass 100.

In Jammu and Kashmir, the gross enrolment ratio in higher education (18 to 23 year olds) was 24.8% in 2021-22, near the middle of the 36 states and union territories with figures for 2021-22 (23rd counted from the highest). The all-India figure was 28.4%.

In Jammu and Kashmir, the gross enrolment ratio in classes 11 and 12 was 44.8% in 2024-25, 31st of the 36 states and union territories with figures for 2024-25, counted from the highest.

In Jammu and Kashmir, the pupil-teacher ratio in the state's schools was 16 pupils for each teacher in 2024-25, joint 27th of the 36 states and union territories with figures for 2024-25, counted from the highest.

In Jammu and Kashmir, the share of schools with an internet connection was 45.3% in 2023-24, 25th of the 36 states and union territories with figures for 2023-24, counted from the highest.

In Jammu and Kashmir, the share of 15 to 29 year olds not in education, employment or training (NSS 79) was 18.7% in NSS 79, 2022-23, near the middle of the 36 states and union territories with figures for NSS 79, 2022-23 (22nd counted from the highest). The all-India figure was 25.6%.

MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
College enrolment ratio, women 27.2% 2021-22 near the middle, 22nd of 36 counted from the highest 28.5% Row
Young people who can use the internet 87.6% NSS 79, 2022-23 near the middle, 23rd of 36 counted from the highest 84.2% no row
Years of schooling, adults 7.3 years NSS 79, 2022-23 joint 25th of 36, counted from the highest 7.5 years no row
Schools with working electricity 87.2% 2024-25 28th of 36, counted from the highest no figure no row
Schools with a working girls' toilet 83.9% 2024-25 30th of 36, counted from the highest no figure no row
Single-teacher schools 5.7% 2024-25 near the middle, 18th of 36 counted from the highest no figure no row

Read from: aishe-states-ger, profiles-mospi-nss79-1-18, profiles-mospi-nss79-1-9, profiles-mospi-nss79-1-3, profiles-mospi-udise-0-31, profiles-mospi-udise-0-7, profiles-mospi-udise-0-16, profiles-mospi-udise-0-12.

12

Climate

Temperature and rain over the whole state, from ERA5, a reconstruction of past weather that the World Bank's Climate Change Knowledge Portal averages over each state's area. Each year is set against the state's own average for 1951 to 1980.

The World Bank's climate portal draws no area for this unit, so it publishes no state average.

Read from: climate-era5-states-temp, climate-era5-states-hotdays, climate-cmip6-states-hotdays, climate-era5-states-rain.

13

State finances

The state government's own accounts, from the RBI's Handbook, set against the state's GSDP as the states guide computes it, with what it pays to borrow and how often it ran short of cash with the RBI, from the RBI's weekly and monthly tables. Actual accounts run two years behind; budget and revised estimates are left out.

In Jammu and Kashmir, outstanding liabilities at the end of March, as a share of GSDP was 34.6% in 2022-23, near the middle of the 31 states and union territories with figures for 2022-23 (13th counted from the highest).

In Jammu and Kashmir, the gross fiscal deficit, as a share of the state's GSDP was 2.3% in 2022-23, near the middle of the 31 states and union territories with figures for 2022-23 (20th counted from the highest).

In Jammu and Kashmir, interest payments as a share of revenue spending was 13.5% in 2022-23, 9th of the 31 states and union territories with figures for 2022-23, counted from the highest. The all-India figure was 12.3%.

In Jammu and Kashmir, the cut-off yield on the state's market loans, weighted by amount raised was 7.42% a year in 2025-26, near the middle of the 31 states and union territories with figures for 2025-26 (11th counted from the highest). The all-India figure was 7.32% a year.

In Jammu and Kashmir, the days in the last twelve months the state was in overdraft with the RBI, having spent past its advances was 13 days in the year to Jul 2026, 6th of the 29 states and union territories with figures for the year to Jul 2026, counted from the highest.

Before October 2019, the sources published figures for the former state of Jammu and Kashmir (with Ladakh), a different territory, so they are not compared with Jammu and Kashmir's: fiscal deficit, % of GSDP 8.3% (2018-19); debt, % of GSDP 49.3% (2018-19); own tax revenue, % of GSDP 6.3% (2018-19).

MeasureJammu and KashmirPeriodRankAll IndiaEvery cut
Own tax revenue, % of GSDP 5.9% 2022-23 near the middle, 18th of 31 counted from the highest no figure Row
Days on ways and means advances, last 12 months 126 days the year to Jul 2026 5th highest of 29 no figure Row
Consolidated sinking fund ₹76 crore end Jul 2026 2nd lowest of 28 no figure Row

Read from: states-finances, rates-sdl-states, public-finance-states-wma, public-finance-states-investments, states-hbs-t170.

14

Neighbours and peers

Jammu and Kashmir beside the units it shares a land border with, and the three nearest to it in income per person (marked †). Each figure carries its own period; where two periods differ, the figures are not a like-for-like comparison.

State or UTIncome per personReal growth of GSDPRetail inflation (CPI)Unemployment rateMonthly spending per person, ruralCredit-deposit ratio
Jammu and Kashmir ₹1,55,3982024-256.1%2024-254.1%Aug 20264.9%2025₹4,7742023-2458.5%end Jun 2026
Ladakh ₹2,42,3602023-24no figure5.3%Aug 20264.0%2025₹5,0102023-2445.0%end Jun 2026
Himachal Pradesh ₹2,58,1962024-256.4%2024-253.8%Aug 20264.5%2025₹5,8252023-2440.3%end Jun 2026
Punjab ₹2,16,5922024-256.3%2024-254.5%Aug 20265.3%2025₹5,8172023-2461.9%end Jun 2026
Madhya Pradesh † ₹1,54,1242024-257.0%2024-255.5%Aug 20261.5%2025₹3,4412023-2482.2%end Jun 2026
Meghalaya † ₹1,57,1412024-259.7%2024-252.8%Aug 20264.8%2025₹3,8522023-2445.5%end Jun 2026
Assam † ₹1,59,1852024-257.8%2024-254.8%Aug 20263.7%2025₹3,7932023-2469.6%end Jun 2026
15

Go deeper

10,472 series across 15 guides name Jammu and Kashmir. Each guide explains its measure in full, and its every-cut table holds every series. The figures above link to their own rows. The whole list, with each series' latest value and a link to its row, is one download: jammu-kashmir.csv.

16

How to read this profile

Every number on this page is copied from an official table, or worked out from one in a way the page names (a share, a growth rate, an average). Nothing is estimated or filled in. Where a source has no figure for Jammu and Kashmir, the page says so.

States report at different lags. MoSPI's newest year of state accounts comes from a few states first, so each figure is ranked at its comparison period, the latest that at least three in four units have published, and the newer estimate is given beside it. A rank counts only the units with a figure for that period, and says how many.

Figures from different sources are different rulers. The 2012 and 2024 bases of the Consumer Price Index, the two designs of the labour force survey, and the rounds of the family health survey are never joined into one series. Boundaries change too: Andhra Pradesh and Telangana split in June 2014; Jammu and Kashmir became two union territories in October 2019; Dadra and Nagar Haveli and Daman and Diu merged in January 2020. A figure for a unit before its change appears only under that unit's own name.

17

How to misread a state profile

  • 1

    "Income per person is what a typical person earns."

    It is what is produced in the state, divided by everyone who lives there. Profits of companies based elsewhere count where the plant stands; money sent home by people working in other states counts where they work. Spending per person, from the household survey, is closer to how a household lives.

  • 2

    "It ranks 10th, so it is in the middle."

    Check out of how many. Some tables cover 36 units, some 19. A rank says nothing about the distance to the next state; the row in the first chart shows it.

  • 3

    "This figure is from this year."

    Each figure carries its own period, printed beside it. A family health survey figure, a college enrolment ratio and a state's accounts each come from a different year, and the newest of them can be years apart. Two figures side by side may not describe the same year.

  • 4

    "A low credit-deposit ratio means banks are not lending."

    Loans are counted where they are sanctioned. A company with plants in one state may borrow in Mumbai; a farmer's crop loan stays local. A low ratio says that much of the money saved in the state is lent elsewhere.

  • 5

    "The state's weather station says otherwise."

    The climate figures are averages over the whole area of the state, from a reconstruction of past weather, not readings at one station. A city can be warmer or wetter than its state's average.

Sources, method and revisions

Sources of record

67 baked tables: MoSPI, National Statistical Office; Labour Bureau, Ministry of Labour & Employment; Reserve Bank of India, Handbook of Statistics on Indian States; MoSPI, eSankhyiki; MoSPI / International Institute for Population Sciences; IIPS and the Ministry of Health and Family Welfare, NFHS-6 (2023-24) fact sheets; Reserve Bank of India; Reserve Bank of India, DBIE; Reserve Bank of India, DBIE, via the Reserve Bank Innovation Hub's data service; Ministry of New and Renewable Energy; Ministry of Education (Department of Higher Education), via MoSPI eSankhyiki; RBI Handbook of Statistics on Indian States (state finances) over MoSPI GSDP.

Method

Read at build time from the Atlas's baked bundles through one state key (src/dossiers/states-key.js), which maps every source's spelling of every state. Sentences are templates filled from the data; no language model writes on this page. The build checks every figure against its table.

Breaks

No series is joined across a change of base, survey design or boundary. Ranks never mix periods.

This profile

Rebuilt whenever any of its tables is refreshed. Data vintages from 2026-05-27 to 2026-10-10.

India Atlas, state profiles Jammu and Kashmir Set in Source Serif 4 and Golos Text