J&K Umeed Rural Livelihood — Quick Overview
| Scheme Name | J&K Umeed Programme 2026 — SHG Formation + Micro-Enterprise Loans + Skill Training for Rural Women |
| State | Jammu & Kashmir (जम्मू और कश्मीर) |
| Launched By | Government of Jammu & Kashmir |
| Launch Year | 2016 |
| Benefit | CIF ₹50K + bank credit ₹3L @ 7% + handicraft skill training + market linkage for J&K rural women SHGs |
| Category | Women |
| Beneficiaries | 5 lakh+ rural women in J&K SHG network |
| Last Verified | 23 May 2026 |
| Official Portal | https://jkrural.gov.in |
What is J&K Umeed Rural Livelihood?
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.
Under this scheme, eligible beneficiaries receive CIF ₹50K + bank credit ₹3L @ 7% + handicraft skill training + market linkage for J&K rural women SHGs. The scheme was launched in 2016 and is implemented by the Government of Jammu & Kashmir.
J&K Umeed Programme — rural women SHG formation, Community Investment Fund ₹50,000/group, bank credit ₹3 लाख @ 7%, handicraft training (Pashmina, carpet, papier-maché), J&K mela marketing। 5 लाख rural women target।
CIF ₹50,000 + bank credit ₹3 लाख @ 7% + handicraft training + market linkage — J&K rural women
Benefits of J&K Umeed Rural Livelihood
✅ CIF ₹50K + bank credit ₹3L @ 7% + handicraft skill training + market linkage for J&K rural women SHGs
CIF ₹50,000 + bank credit ₹3 लाख @ 7% + handicraft training + market linkage — J&K rural women
Who is Eligible for J&K Umeed Rural Livelihood?
- ✓ Rural woman residing in Jammu & Kashmir (any of 20 districts)
- ✓ Willing to form or join SHG under JKRLM/Umeed
- ✓ Age 18 years and above
- ✓ Priority to BPL, landless, SC/ST, minorities in J&K
- ✓ Not currently employed in regular government or private sector job
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Documents Required for J&K Umeed Rural Livelihood
How to Apply for J&K Umeed Rural Livelihood Online?
- 1अपने Block Development Office (BDO) ya JKRLM CRP (Community Resource Person) se sampark karein
- 2Umeed SHG mein join hon ya 10-15 mahilaon ke saath naya SHG form karein
- 3Regular SHG meetings + savings shuru karein
- 4CIF (Community Investment Fund) ke liye Village Organisation (VO) recommendation ke baad apply karein
- 5Bank credit linkage: SHG savings history ke baad JKRLM through bank loan
- 6Handicraft training: JKRLM BDO Office mein Umeed skill training form submit karein
Official Government Portal — Jammu & Kashmir
Apply directly on the official Jammu & Kashmir government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 Contact JKRLM / BDO Office for Umeed enrollmentFrequently Asked Questions — J&K Umeed Rural Livelihood
Common Questions About Jammu & Kashmir Government Schemes
J&K Tejaswini Scheme ke liye SHG kaise banayein?+
अपने गांव की 10–15 महिलाओं को मिलाकर एक SHG बनाएं। JKRLM के Community Resource Person (CRP) से सहायता लें। नियमित meetings करें और savings account खोलें। SHG registration JKRLM BDO Office से होगी।
جموں و کشمیر تیجسوینی اسکیم کا ₹10,000 فنڈ کب ملتا ہے؟+
SHG registration کے بعد، جب group نے کم از کم کچھ مہینے regular meetings اور savings کی ہوں، تو JKRLM BDO Office میں application دے کر ₹10,000 Revolving Fund حاصل کیا جا سکتا ہے۔
J&K Ghar Wapsi scheme mein Kashmiri migrant kaise apply karein?+
Relief & Rehabilitation Commissioner Office se migrant registration certificate lein. Phir jkhousing.gov.in ya BDO/ULB office mein PMAY application ke saath migrant certificate, domicile certificate, Aadhaar aur income proof jama karein.
جموں و کشمیر مکان اسکیم میں کتنی رقم ملتی ہے؟+
PMAY-G (دیہی) کے تحت میدانی علاقوں میں ₹1.3 لاکھ اور پہاڑی/مشکل علاقوں میں ₹1.5 لاکھ ملتے ہیں۔ J&K ریاستی حکومت اضافی top-up دیتی ہے — مجموعی رقم کے لیے jkhousing.gov.in یا BDO آفس سے تصدیق کریں۔
J&K SEHAT scheme mein kitna health cover milta hai?+
₹5 lakh per family per year cashless treatment. ALL J&K domicile holders eligible — no income limit. Works at 24,000+ AB-PMJAY empanelled hospitals across India. Golden Card is free.
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More Jammu & Kashmir Government Schemes
J&K Tejaswini Scheme 2026 — ₹10,000 Revolving Fund for Rural Women SHGs | jkrural.gov.in
✅ ₹10,000 Revolving Fund per SHG + market linkage + livelihood training + government procurement linkage for rural women
J&K Housing Scheme 2026 — PM Awas + State Housing for Migrants & EWS Families | jkhousing.gov.in
✅ PMAY-G: up to ₹1.3–1.5 lakh housing grant (+ state top-up for J&K). Kashmiri migrant families and EWS get priority. Pucca house construction/repair support.
J&K SEHAT Health Insurance Scheme 2026 — ₹5 Lakh Free Health Cover for All Families | pmjay.gov.in/jksehat
✅ ₹5 lakh per family per year free cashless treatment — ALL J&K domicile families (no income limit) — 24,000+ empanelled hospitals across India
PM Special Scholarship Scheme (PMSSS) for J&K & Ladakh Students 2026 — ₹1 Lakh Academic + ₹1 Lakh Maintenance | aicte-jk-scholarship-gov.in
✅ Academic Fee (₹30K-₹3L/year) + Maintenance ₹1 lakh/year (₹10,000/month) + Incidentals = up to ₹3-5 lakh per year
J&K Social Security Pension 2026 — ₹1,000/Month for Senior Citizens, Widows & Disabled | J&K IGNOAPS
✅ ₹1,000-₹1,500/month pension for senior citizens, widows, and disabled in J&K
J&K Back to Village (B2V) Programme 2026 — Government Officers at Village Level for Grievances & Scheme Access
✅ In-village access to all J&K government schemes, certificates, and grievance redressal through senior officers
J&K PMEGP & J&K Self Employment Scheme 2026 — ₹25L MSME Loans + 25-35% Subsidy for J&K Youth
✅ ₹2-25L MSME loan + 25-35% subsidy (35% for J&K SC/ST/women) for enterprise in J&K
J&K Horticulture Technology Mission 2026 — Free Apple/Walnut Plants + Cold Chain Subsidy for J&K Farmers
✅ Free improved saplings + 75% anti-hail net subsidy + cold storage 50% + crop insurance for J&K horticulture farmers
Jammu & Kashmir Ladli Beti Yojana 2026 — ₹1,000/Month for Girls Birth to 12th Class | jk.gov.in
✅ ₹1,000/month deposited in girl's name from birth to age 14 — maturity amount at Class 12 completion in J&K
Jammu & Kashmir SC/ST/OBC Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month | scholarships.gov.in JK
✅ Full tuition fee + ₹230–₹1,200/month for SC/ST/OBC J&K students Class 11 to PhD