Self-Help Groups of about 10 to 15 rural women under NRLM (Aajeevika), built into Village and Cluster Federations.
9.6% of enterprises in Pulwama are women-owned. 79.5% of women have their own bank account, close to the typical district. Small business loans in the district run at ₹67,214 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
70% of registered enterprises are in services while 30% are in manufacturing. Only 4% of employment is in small and medium enterprises. Only 50% of school-age children are enrolled in higher secondary school (classes 9–12).
In Pulwama, which ranks 2 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 55.4 out of 100. It runs ahead of the national picture on women in the labour force at 62.7%. On women's freedom of movement at 43.7% and women taking part in all major household decisions at 71.7%, it sits close to the national mark.