IIM Jammu Signs Tripartite MoU to Launch MSME Health Clinic

The Indian Institute of Management, the Jammu & Kashmir Trade Promotion Organization (JKTPO) and the Directorates of Industries and Commerce, the Government of Jammu & Kashmir signed a landmark Tripartite Memorandum of Understanding (MoU) on 08th Sept 2025, at the Board Room, Jagti Campus, to establish the Jammu & Kashmir MSME Health Clinic (JKMHC) under the Raising and Accelerating MSME Performance (RAMP) program. The formal signing ceremony included detailed presentations on the scope, funding structure, and implementation roadmap of the initiative.

The MoU signing ceremony was graced by Prof. B. S. Sahay, Director, IIM Jammu; Shri Sudershan Kumar, JKAS, Managing Director, JKTPO; Mr. Arun Kumar Manhas, JKAS, Director, Industries & Commerce, Jammu, Government of J&K and Mr. Khalid Majeed, JKAS, Director, Industries and Commerce, Kashmir, Government of J&K

From the Directorate of Industries and Commerce and JKTPO, the ceremony was attended by Mr. Imran Mehmood, FA-/CAO, JKTPO; Mr. Naser Ali, Joint Director, M&P, Directorate of Industries and Commerce, Jammu; Mr. Sourabh Sharma, General Manager, JKTPO; and Mr. Vishal Ray, Faculty, JKTPO. Also present were senior faculty members of IIM Jammu, including Prof. Jabir Ali, Dean, Faculty and Research; Prof. Sanjeev Pathak, Chairperson, Executive Education and Consultancy; Prof. Shyam Narayan Lal, Chairperson, Media and Publication Division; Prof. Rajesh Sikka, Co-Chairperson, Executive Education & Consultancy; Prof. Pranab Ranjan Das, Chairperson, SBDU; Dr. Rashmi Ranjan Parida, Associate Professor; Dr. Mahesh Gadekar, Associate Professor and Cmdr. Kesavan Baskkaran, Chief Administrative Officer, IIM Jammu.

The Jammu & Kashmir MSME Health Clinic will serve as a dedicated institutional mechanism to identify early signs of stress in MSMEs and provide tailored solutions through financial and non-financial interventions. A Project Management Unit (PMU), to be hosted at IIM Jammu, will comprise experts in branding, marketing, finance, technology, and strategy, supported by young professionals and data analysts.

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The primary objective of establishing the Jammu & Kashmir MSME Health Clinic (JKMHC) under the RAMP Programme is to create a proactive mechanism for the early identification and prevention of stress in Micro and Small Enterprises (MSMEs). This initiative aims to provide both financial and non-financial support to MSMEs that exhibit signs of stress and are on the verge of slipping into sickness. It is designed as a preventive measure to address the developmental needs of MSMEs, focusing on diagnostic and clinical support exclusively for enterprises showing early signs of stress.

The program has been structured to run over a two-year duration from FY 2024–25 to FY 2026–27, with a total outlay of ₹30.64 crore. It will cover nearly 959 identified MSMEs across Jammu & Kashmir and will be implemented in three distinct phases. Phase I will focus on diagnostic studies and identification of vulnerable enterprises, Phase II will implement financial and non-financial interventions, and Phase III will establish long-term monitoring and sustainability frameworks.

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Financial interventions under the program will include working capital loans, technology upgradation subsidies, warehouse receipt financing, and export promotion grants, while non-financial interventions will emphasize capacity building, skill training, quality certification, and strategic mentoring.

The signing of this Memorandum of Understanding (MoU) marks a significant step in strengthening the Micro, Small, and Medium Enterprises (MSME) ecosystem in Jammu & Kashmir. By combining academic expertise, government support, and trade promotion mechanisms, the initiative seeks to create a scalable and sustainable model over a clearly defined two-year duration with a total outlay of ₹30.64 crore, transforming distressed enterprises into resilient contributors to the regional and national conomy.

With IIM Jammu serving as the knowledge partner and host of the Project Management Unit, this initiative leverages the Institute’s strengths in research, innovation, and executive training. This collaboration not only reinforces IIM Jammu’s position as a leading national institution committed to inclusive development but also showcases its growing role as a catalyst for industry–academia–government partnerships in the region.

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