J&K UMEED Scheme 2026 – SHG Women Livelihood

UMEED is the popular, branded name for the Jammu & Kashmir Rural Livelihoods Mission (JKRLM), worth clarifying upfront, since some sites incorrectly claim UMEED is an acronym for “Umang Mahila Evam Bal Vikas.” No official source supports that expansion; UMEED is simply the chosen public name for the mission, run under the central DAY-NRLM umbrella. Here’s what the scheme actually does. Last updated: 29.09.2026.

UMEED and JKRLM explained

Note: DAY-NRLM is the National Rural Livelihoods Mission.

What the mission portal counts

Note: About one SHG in four has not yet received its revolving fund. So forming a group is only the first step, and money can take longer to follow. The portal gives no date for these counters, and its newest listed document is from January 2024. Read them as the portal's running total rather than a figure for this year. The per-group averages are our arithmetic.

Important Links

Note: Ladki Bahin pays Rs 1,500 a month to Maharashtra women aged 21-65. Bihar Kanya Utthan payments are now on the e-Kalyan portal. UP Kanya Sumangala pays Rs 25,000 across six stages from birth to graduation.

Helpline: 0194-2473381. The mission portal also lists a toll-free number, 1800 2020 383, as on 29.09.2026.

If you’re trying to get your village’s women into UMEED, the first real step isn’t paperwork. It’s finding 9 to 14 other women ready to form a group with you. Everything else follows from having that group in place.

SHG benefits under UMEED

• Revolving Fund: ₹10,000–₹15,000 per SHG, once formed and functioning.
• Community Investment Fund (CIF): ₹25,000–₹50,000 per SHG for micro-enterprise activities.
• Bank credit linkage: ₹1–3 lakh at approximately 7% interest, once the SHG builds a credit track record.
• Skill training in regional handicrafts, Pashmina work, Kashmiri carpet weaving, Dogri craft, and papier-mâché.
• Market linkage through government-organised melas and the ONDC (Open Network for Digital Commerce) online platform.

Some sources also cite a separate seed capital figure of ₹1,500 per SHG member. This may overlap with or be part of the revolving fund allocation above rather than a distinct additional payment; confirm the exact breakdown with your local facilitator when your SHG is formed.

Eligibility conditions

• Rural women across all districts of Jammu & Kashmir.
• Priority given to BPL and SECC-identified (Socio Economic Caste Census) families.
• Group-based, not individual. You need 10 to 15 women together to form an eligible SHG.

Applying as a group rather than individually

1. Gather 10–15 women in your village who want to form a Self-Help Group together.
2. Register the SHG at your nearest Block Development Office (BDO), or through jkumeed.jk.gov.in.
3. Open a bank account in the SHG’s name. This is required before fund disbursal.
4. Once registered, a UMEED facilitator is assigned to your group for ongoing training and support.
5. Your SHG progresses through revolving fund access, then CIF, then bank credit linkage as it builds a track record.

Documents required

• Aadhaar cards of all SHG members
• Group resolution / meeting minutes forming the SHG
• SHG savings passbook
• Jammu & Kashmir domicile certificates

Scale and impact so far

As of May 2026 coverage, UMEED had mobilised over 8.10 lakh women into 96,000+ SHGs, with ₹3,106 crore in cumulative bank credit and ₹820 crore in capitalization support facilitated. Under the “Lakhpati Didi” sub-initiative, 2,00,952 SHG women had already crossed lakhpati (₹1 lakh+ annual household income) status, with a target of covering the remaining 32,048 potential households by June 2026.

Written By: GD Sarkari Naukri Desk

Tracks central and state government recruitment notifications, admit cards, results and cut-offs for Global Drishti, verified directly against official recruitment portals and notification PDFs. Trusted by students and job aspirants nationwide.