We at JKDFC shall strive to achieve the highest standards of quality in terms of services to the entrepreneurs by rendering in-depth counseling, timely advice & assistance for building quality enterprisers on sustained basis in the state of J&K.

To Carry on and transact the business of providing credit facilities & other Infrastructural support for promotion, expansion & modernization of industrial enterprises, tourism industry, small road transport operators for passenger & cargo transportation & equipment financing to industrial enterprises construction companies, contractors & diagnostic centre & providing financial assistance for setting up of Mini & Small Hydro projects in order to accelerate industrial & tourism for development, employment generation & faster economic growth in the State of Jammu & Kashmir in general & in particular by:

• Granting financial assistance in the form of Loans or advances including by way of working capital, refinance, discounting or rediscounting of bills of exchange or promissory notes, subscription to debentures and leasing in any form/scheme as may be deemed expedient.
• Guaranteeing loans and obligation, deferred payment credits & performance of contracts.
• Subscribing to and/or underwriting the issue of shares and securities.
• Granting, opening, issuing, confirming or endorsing letters of credit and negotiating or collecting bills and other documents drawn there under.
• Providing consultancy and merchant banking services.
• Encouraging and promoting the participation of private capital, both internal and external.
• Providing marketing and research facilities.