Pillar: Opportunity Infrastructure
28.1% of enterprises in Udhampur are women-owned. 87.3% of women have their own bank account, better than the typical district. Small business loans in the district run at ₹32,092 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
86% of registered enterprises are in services while 14% are in manufacturing. Only 2% of employment is in small and medium enterprises. 64% of school-age children are enrolled in higher secondary school (classes 9–12). Only 8% of ITI trainers are certified.
In Udhampur, which ranks 13 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 51 out of 100. It runs ahead of the national picture on women in the labour force at 67.5% and women's freedom of movement at 49.2%. On women taking part in all major household decisions at 73.4%, it sits close to the national mark.
Mandated services and how to locate the NRLM Self-Help Group in Udhampur are in the Udhampur district course and the English reference guide (Hindi). See the Udhampur youth opportunity scorecard for the full district picture.