Achievements of Jammu Urban Development Agencies.


The District Urban Development Agencies, hereinafter called DUDAs JUDA and UDAK were registered under Registrar of Societies Act. In 1990 two societies namely JUDA and UDAK were registered Later on District Level Urban Development Agencies were also constituted for all the erstwhile Districts of the State except Leh and Kargil Districts of Ladakh and were registered in the year 1998 along with State Level Urban Development Agency, hereinafter called as SUDA, vide Government Order No: 40-H&UD/P&S of 1998 dated 2nd January, 1998. Pursuant to the Government Order mentioned supra, it was stipulated that the SUDA would give policy direction and monitor the performance of the District Agencies and to facilitate convergence with various Departments and Agencies for smooth implementation of the poverty alleviation programmes launched by the Government of India as well as the State Government. The Urban Development Agencies previously were tasked to implement Government of India’s poverty alleviation programme called “the Swaran Jayanti Shahari Rozgar Youjna (SJSRY)” and for the performance of such other functions as may be entrusted to them by the State Government. This scheme has now been replaced by “National Urban Livelihood Mission (NULM)” and has become operational since April, 2014. The Administrative Department is the designated nodal agency for implementation of the scheme.

Components of National Urban Livelihood Mission(NULM):

1. Self Employment Programme- Individual and Groups: (SEP-I & G)

This Component focuses on financial Assistance to individuals/groups of urban poor. The beneficiary having income less than 1lakh per annum and willing to avail loan facility are identified by Community Organizers (Cos) for availing loan to establish income generating units. The Beneficiary may also approach directly. The maximum project cost for individual is Rs 200,000. Interest subsidy, over and above 7% rate of interest will be available on a bank loan .The difference between 7% p.a. and the prevailing rate of interest will be provided to banks under NULM. No minimum qualification is required for this component. If the beneficiary requires some special skills to establish the identified activity appropriate training is provided to the beneficiaries before extending financial support. The group will be eligible for maximum loan of Rs.2 Lakhs per member or Rs.10 Lakh, whichever is lower.

2. Self Help Groups (Formation/ Linkage):

Self Help Groups are group of 10 to 20 women who come together to improve their living conditions by group savings and loans. These groups conduct regular meetings where the savings of the group is collected into a corpus fund, which is used to provide short term loans to the members. After successful completion of three months, the SHGs are aided with Rs.10000/- as a revolving fund. Self Help Group bank linkage includes opening of Saving Bank Account. Thereafter the SHGs may be sanctioned with saving linked loans for increasing sustainability of SHG after due assessment and grading by the banks.

3. Employment through Skills Training & placement (EST&P):

The Broader objective of the Employment through Skills Training & placement (EST&P) program is to increase the income of urban poor through structured, market-oriented certified courses that can provide salaried employment or self- employment opportunities which will eventually lead to better living standards. In order to achieve the objective, the trainings is to be provided as per the industry demand and as per the curriculum recognized nationally. It is preferred that the course duration for all the skill training would be minimum of 3 months Each successful candidate undertaking training under EST&P component of NULM shall be awarded a certificate issued by competent agency.