A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Hojai has 2.8 bank branches per lakh population, behind the typical district. The district's credit-deposit ratio is 58.9, behind 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 56% of school-age children are enrolled in higher secondary school (classes 9–12).
In Hojai, which ranks 32 of 35 in Assam for youth opportunity, the overall opportunity score is 41 out of 100. It trails the national picture on credit going to productive use at 50.1%. On small-business loans per lakh people at ₹5,490 and women with a bank account at 72.3%, it sits close to the national mark. The district has 27,543 registered enterprises.