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<h1>Jammu and Kashmir budget secures SASCI interest-free loans and mandates SPARSH/Aadhaar DBT to streamline funding.</h1> Jammu and Kashmir's budget secures inclusion in the Special Assistance to States for Capital Investment (SASCI) scheme for 50 year interest free loans, reports utilisation and matching approvals for capital and disaster works, and implements financial-administration reforms including the SPARSH payment system and mandatory Aadhaar-based direct benefit transfers to streamline fund flow and bill processing.