🌧️ Disaster Relief in J&K (2025): How to Claim Compensation for Rain, Landslide, and Other Calamity Losses under SDRF & NDRF

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Location: Jammu & Kashmir

Situation: Landslides, flash floods, and heavy rainfall have caused massive damage across multiple districts. Many households are unaware that they are entitled to financial relief under government schemes.

Let’s break it down in simple terms.

Introduction:


The recent landslides and heavy rainfall in Jammu & Kashmir (J&K) as of April 2025 have left many homes, livestock, and livelihoods in ruins. If you’ve been affected, don’t worry—help is available through the State Disaster Response Fund (SDRF) and National Disaster Response Fund (NDRF). These funds, updated by the Government of India on October 10, 2022, offer financial relief for damages caused by natural disasters like floods, landslides, and more. This guide breaks down the process, eligibility, and relief amounts for fully damaged houses, partially damaged houses, and loss of cattle, tailored to the current J&K situation.

Why This Matters Now:

In the past few days, inclement weather has triggered landslides and floods across J&K, damaging homes and wiping out livestock. The SDRF and NDRF are here to support you with immediate relief, recovery, and rebuilding. Whether your pucca house collapsed or your cattle were lost, you can claim assistance—let’s explore how!

What Are SDRF and NDRF?

  • SDRF: Managed by state governments, it covers 50% of disaster response needs, with 40% for relief, 37.5% for recovery, and 12.5% for preparedness.
  • NDRF: A central fund activated for severe disasters, supplementing SDRF with similar categories.
  • Both funds cover notified disasters like landslides, floods, earthquakes, and drought, effective from 2022-23 to 2025-26.

🚨 What Disasters Are Eligible for Relief?

If your losses are due to any of the following notified natural disasters, you are eligible for assistance under the SDRF/NDRF guidelines:

✅ Covered Disasters:

  • Floods / Flash floods

  • Landslides / Avalanches

  • Cyclones / Storms / Hailstorms

  • Cloudbursts

  • Earthquakes

  • Cold wave / Frost

  • Heatwave

  • Drought

  • Pest attacks

  • Lightning strikes

  • Snowfall (excessive)

  • Local disasters (only if notified by the State Government)





❌ Not Covered Under SDRF/NDRF:

The following are explicitly excluded:

  • Long-term or permanent restoration works

  • Major irrigation projects / hydro-power infrastructure

  • High-tension electricity lines (>11KV)

  • Telecommunication infrastructure

  • Religious buildings, government offices, courts, playgrounds

  • Colleges and other educational institutions

  • Losses already covered by other schemes (e.g., PM Fasal Bima Yojana, Avian flu schemes, etc.)

  • COVID-19 related deaths (separately governed by NDMA 2021 guidelines)

  • Loss due to Rainfall is not covered under rules

  • Anything covered by insurance be it house, crop, etc will not get benefit under the rules

Disasters Covered in J&K:

The recent landslides and rainfall fall under notified natural calamities. Other covered disasters include:

  • Floods, cyclones, earthquakes, tsunamis, droughts, and pest attacks (e.g., locusts).
  • J&K-specific issues like avalanches or cloudbursts may also qualify with state approval.


🐄 Relief for Loss of Animals & Cattle

The SDRF/NDRF provides specific financial caps for loss of livestock. Relief is only for small and marginal farmers or landless livestock owners, and only if the animals were registered with local authorities.

💰 Limits Per Household:


Relief not applicable if you’ve already received compensation from another scheme for the same incident.

🏡 Damage to Houses — What You Get


🏥Loss of Human Life or Injury


👨‍🌾Agricultural Loss:

  • Crop Damage (≥33%):

    • ₹8,500/ha in rainfed areas

    • ₹17,000/ha in irrigated areas

    • ₹22,500/ha for perennial crops

  • Land Erosion or Debris Removal: ₹18,000–₹47,000/ha

  • Fish Farms: ₹10,000/ha for small/marginal farmers

Other Relief (If Applicable):

  • Clothing/Utensils: ₹2,500 per family if your home was washed away.
  • Fodder for Surviving Cattle: ₹80/day (large) or ₹45/day (small) in camps

🚨 Recent Disasters in J&K: Who Can Claim Relief?

In April 2025, unseasonal and intense rains caused:

  • Massive landslides in hilly districts like Ramban, Doda, and Kupwara

  • Flash floods in parts of South Kashmir

  • Destruction of kutcha homes, livestock shelters, and loss of standing crops

  • Electric poles damaged, rural roads blocked.

👉 If your family has suffered due to any of the above, you are eligible to claim compensation under the SDRF norms

➡️ Residents in such cases are entitled to relief under current SDRF norms.

📋 Application Process for Relief — Step-by-Step:



Don’t know where to start? Here’s a simple guide:

  1. Assess the Damage:
    • Check your house, cattle, or belongings. Take photos and note details (e.g., number of animals lost).
  2. Register FIR in nearest Police Station:
    • Visit the police station and lodge an FIR stating the reason of damage meaning flood, landslide, etc and the nature and extent of damage also.
    • Take the copy of FIR.
  3. Report to Local Authorities:
    • Visit your Tehsildar office immediately after the disaster.
    • File an application along with FIR copy and pictures and get a damage assessment form.
  4. Get Certification:
    • A government official (e.g., Patwari or Revenue Officer) will verify the damage.
    • For houses, confirm it’s authorized; for cattle, show ownership proof.
    • Revenue officials will also verify the title of land for house damages.
    • The detailed report of the revenue department or Tehsildar will be submitted to District Disaster Management Authority DDMA.
    • In case of loss of animals, the concerned department like Animal Husbandry, Sheep husbandry will also need to be informed and they will also visit and verify the case and submit report to the DDMA.
  5. Direct Benefit Transfer:
    • Fill out the form with your details, damage extent, and bank account for Direct Benefit Transfer (DBT).
  6. Wait for Approval:
    • The District Disaster Management Authority assesses your case.
    • For severe damage (e.g., widespread landslides), a Central Team may visit, unlocking NDRF support.
    • Expect a decision within 30-60 days, depending on severity.
  7. Receive Payment:
    • Relief is transferred via DBT to your bank account.

🧠 Pro Tips

  • Relief is not insurance, it's government aid for immediate recovery.

  • You can still claim this relief even if you don’t live in a relief camp.

  • Keep ready: Aadhaar card, land/animal ownership records, photos of damage.

  • The contents of FIR shall be final for determining cause of damage which will determine whether eligible under rules or not.

  • Tips for Success

    • Act Fast: Report within days to avoid delays.
    • Keep Records: Save photos, bills, and certificates.
    • Seek Help: Contact your local revenue office for assistance.

🤝 Let’s Build Awareness Together

Disasters may be natural — but suffering from them in silence shouldn’t be. Awareness is the first step to recovery. Share this blog to help someone in your village or town who may have lost their home, animals, or crops.

📌 For assistance, guidance, or formats — message JKRevenueGyaan,



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