NRLM

The State Rural Livelihood Mission aims“to reduce poverty in the state by building strong grassroots institutions of the poor, engage them into gainful livelihoods interventions and ensure appreciable improvement in their income on a sustainable basis. That, every poor household comes out of poverty with immense confidence and belief in them. Poor start to think positively about himself and his family. And where in the lifetime of the poor he has accessed all possibilities of change and harnessed his entire talent and worth. Every poor reaps all the benefits of government schemes as his entitlement which ultimately helps him to live a life full of contentment, happiness, and dignity.

FUNCTION OF DEPARTMENT

The functions of the Jammu & Kashmir Rural Livelihood Mission (JKRLM) include empowering rural women through Self-Help Groups (SHGs) by facilitating micro-enterprise creation and growth, providing market access for SHG products, fostering cluster-based producer cooperatives, creating labor-intensive employment opportunities in rural areas, and establishing strong grassroots institutions to help rural poor rise out of poverty. The program also aims to offer network-based enterprise support, training, mentorship, and financial linkages to boost rural economies and foster self-reliance

EXHIBITIONS

Events organized by the Jammu and Kashmir Rural Livelihoods Mission (JKRLM), showcasing handcrafted products, traditional arts, crafts, and local cuisine by empowered women from Self-Help Groups (SHGs). Recent exhibitions include the “Ashakari” exhibition in December 2024 and the SARAS AajeevikaMela in February-March 2025, both held at Kala Kendra, Jammu, to promote rural livelihoods and provide direct market access for artisans.

S.No

Name of the Scheme

Component and Brief Description

Eligibility

Procedure

Where to Apply for the Scheme

Beneficiaries Benefitted under the Scheme

JKRLM UMEED

“UMEED” is the name given to the implementation of the National Rural Livelihoods Mission (NRLM) in Jammu & Kashmir through the State Rural Livelihoods Mission (JKRLM).Its aim is to help poor rural households, especially women, come out of poverty via sustainable livelihoods, institutional support, financial inclusion, etc

Key Components of UMEED

Self-Help Groups (SHGs)

Women in rural areas are organized into SHGs. These are grassroots units where members save collectively, support each other, and build peer networks. Helps in inculcating thrift, savings habits, and mutual financial discipline
Village Organizations (VOs), Cluster Level Federations (CLFs)

SHGs are federated upwards into larger community institutions at village, cluster or block level. These provide organizational strength, collective bargaining power, better access to credit, markets, etc

Financial Inclusion / Bank Linkage

Ensuring SHGs / members have access to bank credit; helping SHGs become “bankable.” Also provision of Revolving Fund (RF) and Community Investment Fund (CIF) to SHGs to support livelihoods activities.

Livelihoods promotion / Enterprise development

Supporting SHGs / women entrepreneurs in launching livelihood / micro-enterprises: creation of small businesses, product development, exhibition & marketing of products.

Capacity building / Skill training

Trainings & skill development for members for better production, business management, etc. Also training community mobilisers, book-keepers, etc

Social Mobilization

Organizing poor & vulnerable women; raising awareness; building their confidence, leadership; helping form institutional platforms
Monitoring & Support Structure

There is a multi-level institutional structure: block / district / state level with staff like Block Programme Manager, Community Mobilisers, Trainers, etc.; plus MIS for monitoring implementation

Exhibitions / Market Linkages

Helping women entrepreneurs showcase and sell their products; connecting them to markets etc. This helps with sustainability and scaling.

Must be a permanent resident of rural Jammu & Kashmir.

Poor and vulnerable households, especially women from low-income families.

Priority is given to households identified through the Socio-Economic Caste Census (SECC 2011) or those fulfilling deprivation indicators.

The mission is women-centric – benefits flow through Self-Help Groups (SHGs) of women.

Men can be indirectly benefitted (through household income or family enterprises), but direct financial/institutional support is for women SHG members.

Identification & Mobilization

Field staff / Community Resource Persons (CRPs) of JKRLM visit villages.
They identify poor & vulnerable women (using SECC 2011 data, local verification, etc.).
Awareness and orientation camps are conducted.

Formation of Self-Help Group (SHG)

Interested women (usually 10–15 members) from the same locality form an SHG.
Members agree to group norms (saving, meetings, lending rules, etc.).
SHG is registered with JKRLM.

Savings & Internal Lending

SHG members start regular savings (even small amounts like ₹10–50 per week).
The group uses these pooled savings for internal lending among members.

Capacity Building & Training

SHGs receive basic training on:
- Book-keeping & financial discipline
- Group management & leadership
- Livelihood and skill development
Exposure visits & advanced skill training may follow.

Access to Revolving Fund (RF)

After showing good performance (3–6 months of functioning), SHG can receive a Revolving Fund (RF) from JKRLM to strengthen their lending and activities.

Bank Linkage

SHGs are supported to open bank accounts.
Once recognized as active/healthy groups, they are linked with banks for credit.

Community Investment Fund (CIF)

Federated institutions (Village Organizations, Cluster Level Federations) channel CIF to SHGs for starting or expanding income-generating activities.

Livelihood & Enterprise Support

Women can take up livelihood activities (farm, non-farm, services, crafts, small enterprises).
JKRLM provides skill training, toolkits, marketing support, exhibitions, brand promotion, and e-commerce linkages.

Continuous Handholding & Monitoring

SHGs are regularly monitored and mentored by Community Mobilizers, Block Programme Managers, and District staff.
Federations help ensure sustainability.

Approach the Village Organisation (VO) or Self-Help Group (SHG) already formed in your area.

If no SHG exists, you can contact the Community Mobilizer (CM) / Cluster Coordinator who helps form new SHGs.

Visit the Block Programme Management Unit (BPMU) of JKRLM in your block.

The Block Programme Manager (BPM) and team will guide you on SHG formation, eligibility, and support.

If you face difficulty at the block level, you can approach the District Mission Management Unit (DMMU) headed by the District Programme Manager (DPM)

JKRLM Bandipora has an active presence across all 12 Community Development (CD) Blocks, including the 5 erstwhile blocks of the district.

Self-Help Groups (SHGs) formed: ~2,800

Women mobilized as members: ~22,000

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