Not one office: every bank branch in the district carries MUDRA, PMEGP, and Stand-Up India loans for small enterprises.
Gaya's credit-deposit ratio stands at 60.5, behind the typical district. 60.9% of credit goes toward productive, non-personal use, close to the typical district. Bank-led credit in the district is the channel that turns local deposits into loans for business.
71% of registered enterprises are in services while 29% are in manufacturing. Only 3% of employment is in small and medium enterprises. Only 43% of school-age children are enrolled in higher secondary school (classes 9–12).
In Gaya, which ranks 6 of 38 in Bihar for youth opportunity, the overall opportunity score is 44.7 out of 100. It trails the national picture on bank branches per lakh people at 6.5.