A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Kathua has 16.8 bank branches per lakh population, better than the typical district. The district's credit-deposit ratio is 58.4, behind the typical district. Every branch here is a physical point of access to savings and credit.
84% of registered enterprises are in services while 16% are in manufacturing. Only 4% of employment is in small and medium enterprises. 70% of school-age children are enrolled in higher secondary school (classes 9–12).
In Kathua, which ranks 7 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 53.1 out of 100. It trails the national picture on credit going to productive use at 54.4%. On small-business loans per lakh people at ₹44,468 and women with a bank account at 81%, it sits close to the national mark. The district has 26,116 registered enterprises.