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: 10.07.2026.
What UMEED / JKRLM is
| Detail | Info |
|---|---|
| Full name | Jammu & Kashmir Rural Livelihoods Mission (JKRLM), branded UMEED |
| Umbrella scheme | Centrally Sponsored Scheme under DAY-NRLM (National Rural Livelihoods Mission) |
| Coverage | All 22 districts of Jammu & Kashmir |
| Approach | Self-Help Group (SHG) formation, financial inclusion, sustainable livelihoods for rural women |
What SHGs get 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.
Who is eligible
- 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.
How to apply — as a group, not individually
- Gather 10–15 women in your village who want to form a Self-Help Group together.
- Register the SHG at your nearest Block Development Office (BDO), or through jkumeed.jk.gov.in.
- Open a bank account in the SHG’s name — this is required before fund disbursal.
- Once registered, a UMEED facilitator is assigned to your group for ongoing training and support.
- 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.
Frequently asked questions
Can I apply for UMEED as an individual?
No — UMEED works through Self-Help Groups. You need to be part of a group of 10-15 rural women to access the scheme’s benefits.
Does UMEED stand for something specific?
No official expansion is confirmed. It’s the popular/brand name chosen for the Jammu & Kashmir Rural Livelihoods Mission (JKRLM) — treat any claimed acronym expansion with caution unless it comes from an official source.
What is “Lakhpati Didi” under UMEED?
It’s a sub-initiative tracking SHG women who cross ₹1 lakh in annual household income through their UMEED-linked livelihood activities — over 2 lakh women had reached this milestone as of the most recent count.
Important links
| Link | Details |
|---|---|
| jkumeed.jk.gov.in | Official JKRLM/UMEED portal |
Helpline: 0194-2473381
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.
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