J&K Umeed Rural Livelihood

About this scheme for women

J&K Umeed (Undertaking Means of Enabling & Economic Development) is Jammu & Kashmir’s state rural livelihoods mission that goes beyond Tejaswini revolving funds — providing comprehensive livelihood support to rural women through Self Help Groups (SHGs), Community Based Organizations (CBOs), and Village Organizations (VOs). Umeed provides: (1) SHG formation + JKRLM Revolving Fund ₹10,000-₹15,000; (2) Community Investment Fund (CIF) ₹25,000-₹50,000 per SHG group for micro-enterprise; (3) Bank credit linkage ₹1-3 lakh at 7%; (4) Skill training in handicrafts (Pashmina, Kashmiri carpet, Dogri craft, papier-maché); (5) Market linkage at J&K government melas and online ONDC platform. Target: 5 lakh rural women across 20 districts of J&K.