A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Golaghat has 10.1 bank branches per lakh population, close to the typical district. The district's credit-deposit ratio is 103.3, better than the typical district. Every branch here is a physical point of access to savings and credit.
70% of registered enterprises are in services while 30% are in manufacturing. Only 2% of employment is in small and medium enterprises. Only 51% of school-age children are enrolled in higher secondary school (classes 9–12).
In Golaghat, which ranks 9 of 35 in Assam for youth opportunity, the overall opportunity score is 46.7 out of 100. On small-business loans per lakh people at ₹30,424, credit going to productive use at 57.2% and women with a bank account at 79.1%, it sits close to the national mark. The district has 36,788 registered enterprises.