Self-Help Groups of about 10 to 15 rural women under NRLM (Aajeevika), built into Village and Cluster Federations.
24.9% of enterprises in Jammu are women-owned. 93% of women have their own bank account, better than the typical district. Small business loans in the district run at ₹42,435 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 7% of employment is in small and medium enterprises. 77% of school-age children are enrolled in higher secondary school (classes 9–12).
In Jammu, which ranks 4 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 54.8 out of 100. The district runs ahead of the national picture on women's freedom of movement at 64.1%, while it lags on women in the labour force at 41.6% and women taking part in all major household decisions at 52.5%.