A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Surat has 14.2 bank branches per lakh population, better than the typical district. The district's credit-deposit ratio is 134.2, better than the typical district. Every branch here is a physical point of access to savings and credit.
53% of registered enterprises are in services while 47% are in manufacturing. Only 11% of employment is in small and medium enterprises. 75% of school-age children are enrolled in higher secondary school (classes 9–12).
In Surat, which ranks 6 of 33 in Gujarat for youth opportunity, the overall opportunity score is 52.9 out of 100. On small-business loans per lakh people at ₹18,996, credit going to productive use at 61.6% and women with a bank account at 73.6%, it sits close to the national mark. The district has 5,88,856 registered enterprises.