Chief Secretary, Atal Dulloo today chaired a comprehensive review meeting to assess the functioning and progress of the J&K MSME Health Clinic (JKMHC), a digital initiative aimed at diagnosing, reviving and strengthening micro, small and medium enterprises across the Union Territory.Chief Secretary, Atal Dulloo today chaired a comprehensive review meeting to assess the functioning and progress of the J&K MSME Health Clinic (JKMHC), a digital initiative aimed at diagnosing, reviving and strengthening micro, small and medium enterprises across the Union Territory.Highlighting the importance of evidence-based interventions, the Chief Secretary called for the preparation of detailed case studies based on field-level diagnostics, citing the need for grassroots-driven analysis to inform policy and rehabilitation strategies.
He further stressed that capacity building should be a continuous process rather than a one-time exercise, directing that structured training programmes be conducted at least once every two months to build sustained expertise at the district level.
To strengthen institutional convergence, the Chief Secretary directed that experts from the Small Business Development Unit (SBDU) established under Mission YUVA be formally integrated into the MSME Health Clinic framework, with dedicated personnel deployed for implementation support.He also called for inclusion of representatives from key institutions such as banks, NABARD and allied departments including agriculture, positioning SBDU as a nodal platform for coordinated guidance and execution at the grassroots level.
Clarifying institutional roles, the Chief Secretary underlined that IIM Jammu should primarily focus on training and capacity building, while implementation responsibilities should rest with field-level institutions. He further stressed the need to develop a robust pool of trained human resources at the district level through repeated and structured capacity-building interventions.
The Chief Secretary also directed the Industries & Commerce Department to convene joint meetings with the Labour Department and other stakeholders, while actively seeking inputs from leading financial institutions including J&K Bank, SBI and NABARD, as well as industry bodies such as FICCI, ASSOCHAM and CII. He called for greater stakeholder engagement to incorporate sector-specific expertise into the functioning of the MSME Health Clinic.
Additionally, Dulloo instructed that a one-day comprehensive workshop be organised, preferably in July, after completion of a round of assessments in both Jammu and Kashmir divisions. The workshop, he said, should serve as a platform to gather structured feedback and suggestions from stakeholders across sectors to further refine the initiative.
The Chief Secretary further reviewed the implementation of key directions issued during the previous meeting held on March 30, 2026, including development of an interactive chatbot, acceleration of health analysis, automation of health certificates, expansion of daily interactions and constitution of district-level committees.
The meeting was apprised by the Commissioner Secretary, Industries and Commerce, Vikramjit Singh that the MSME Health Clinic has been conceptualised as an end-to-end mechanism to evaluate the financial and operational health of industrial units using real-time data sources such as GST filings, banking records, power consumption and EPFO statements.
