Ushamath Mahila Mahasangh Ltd. (UMM) is apex federation of women SHGs, registered under Uttarakhand Self Reliant Cooperative Act 2003, established to meet the financial service needs of the poor and low-income people living in one of the most underserved areas of Uttarakhand state, Structured as a community based microfinance institution. UMM's mandate has been to focus on the solutions that provide direct socio-economic improvement to the marginalized and low - income households. UMM has been involved in rendering a range of affordable, convenient and sustainable financial services for the clients especially those who have remained beyond the reach of formal financial institutions and aer often been exploited by local money lenders.
At present, UMM is operating primarily in remote rural mountain villages of 18 Development Block in 5 districts viz. Rudraprayag, Chamoli, Uttarkashi, Tehri and Pauri Garhwal of Uttarakhand.
UMM is at one of the apex of the triad comprising of 'Appropriate Technology India (AT India)', a Non-Governmental Organization, and "DevBhumi Natural Products Producer Company Limited (DNPPCL) a farmers Producers company. While AT India promotes SHG and builds their capacity to take-up livelihood and value chains linkages work in sub-sectors such as sericulture, apiculture, handloom and weaving, organic spices, Beekeeping-organic honey production, dairy etc. DNPPCL provides the critical marketing services to the producers involved in livelihood activities. similarly UMM provides the financial services to the SHGs by on-lending borrowed funds at reasonable interest rates.