Self-Help Groups of about 10 to 15 rural women under NRLM (Aajeevika), built into Village and Cluster Federations.
41.5% of enterprises in Ganderbal are women-owned. 85.7% of women have their own bank account, close to the typical district. Small business loans in the district run at ₹73,367 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
57% of registered enterprises are in services while 43% are in manufacturing. Only 1% of employment is in small and medium enterprises. Only 44% of school-age children are enrolled in higher secondary school (classes 9–12).
In Ganderbal, which ranks 1 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 56.9 out of 100. It runs ahead of the national picture on women in the labour force at 73.5% and women's freedom of movement at 45%. On women taking part in all major household decisions at 69.1%, it sits close to the national mark.