Self-Help Groups of about 10 to 15 rural women under NRLM (Aajeevika), built into Village and Cluster Federations.
13% of enterprises in Shimla are women-owned. 85.5% of women have their own bank account, close to the typical district. Small business loans in the district run at ₹36,523 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
87% of registered enterprises are in services while 13% are in manufacturing. Only 4% of employment is in small and medium enterprises. 90% of school-age children are enrolled in higher secondary school (classes 9–12).
In Shimla, which ranks 2 of 12 in Himachal Pradesh for youth opportunity, the overall opportunity score is 62.5 out of 100. It runs ahead of the national picture on women in the labour force at 65% and women's freedom of movement at 84.5%. On women taking part in all major household decisions at 78.6%, it sits close to the national mark.