UMEED

About:

• Umeed is a Special programme for Jammu & Kashmir, implemented under Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM).
  
  
• It is Implemented by the Jammu & Kashmir State Rural Livelihoods Society.
  
  
• Union cabinet has recently also decided that Funds to J&K under DAY – NRLM will be provided without linking it with poverty ratio.
  
  
• Impact: This will help in covering all the vulnerable rural households in the State (estimated at two thirds of the total number of households) within a definite time frame.
  
  
• It was launched in J&K in 2013 to encourage rural women to make small savings so that their Self-Help Groups (SHGs) to eventually become bankable at reduced rate of interest.