Jammu: Are you an urban poor? Avail these schemes by Govt. for best benefits


Urban poor should take advantages of NULM, HFA schemes: CEO JUDA

JAMMU, Aug 26: Kul Bhushan Khajuria, KAS, Chief Executive Officer, Jammu Urban Development Agency (JUDA), Jammu, urged upon the people to take benefits of the schemes launched by the government for the betterment of urban poor under National Urban Livelihoods Mission (NULM) and Housing for All (HFA).

Briefing media persons here, Khajuria informed that the schemes were launched with a view to enhance the employment opportunities and incomes of the urban poor through skill development and training, setting up of individual and group micro-enterprises, formation of Self-Help Groups, building shelters for homeless, supporting street vendors in creating infrastructure, etc.

“NULM will help the urban poor to set up self-employment venture by ensuring easy access to credit,” he added.


Khajuria briefed the major components of NULM which include Self-employment Programme (SEP), Self-employment Programme – Group (SEP-G), Employment through Skills Training and Placement and Support to Urban Street Vendors.

“Under these components, the Jammu Urban Development Agency will help the beneficiaries by providing assistance for skill development to enhance capacity of urban poor for self-employment or better salaried employment under Self-employment Programme (SEP). Five members i.e, women or men can form a group of setting up a group enterprise to avail benefit of subsidized loans upto Rs 10 lakh under Self Employment Programme –Group,” the Chief Executive Officer JUDA informed.

He said one of major complement of NLHM is Shelter to Urban Homeless (SUH). Under it, the construction of permanent all-weather 24×7 shelters equipped with essential services is already under progress near Gorkha Nagar, Bahu Fort. After completion of this permanent shelter, the facilities like canteen in which eatables in cheap rates will also be provided to the urban poor, he added.

Khajuria appealed to the people to take benefit of Housing for All by getting interest subsidy of upto 6.5 per cent in the housing loans.

“Housing for All is also covering the middle class in addition to the poor, who are already eligible for higher interest rebate in urban areas. Those with annual income up to Rs 6 lakh were eligible to get 6.5 per cent interest subsidy for housing loans of up to Rs 6 lakh. So far more than 8,000 people have availed this,” he mentioned.