Self-Help Groups of about 10 to 15 rural women under NRLM (Aajeevika), built into Village and Cluster Federations.
15.2% of enterprises in Gumla are women-owned. 76.2% of women have their own bank account, close to the typical district. Small business loans in the district run at ₹9,272 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
82% of registered enterprises are in services while 18% are in manufacturing. Only 2% of employment is in small and medium enterprises. Only 47% of school-age children are enrolled in higher secondary school (classes 9–12).
In Gumla, which ranks 20 of 24 in Jharkhand for youth opportunity, the overall opportunity score is 42 out of 100. It runs ahead of the national picture on women's freedom of movement at 54%. On women in the labour force at 48.4% and women taking part in all major household decisions at 74.6%, it sits close to the national mark.