A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Kulgam has 10.8 bank branches per lakh population, close to the typical district. The district's credit-deposit ratio is 90.7, better than the typical district. Every branch here is a physical point of access to savings and credit.
77% of registered enterprises are in services while 23% are in manufacturing. Only 1% of employment is in small and medium enterprises. Only 53% of school-age children are enrolled in higher secondary school (classes 9–12).
In Kulgam, which ranks 13 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 50.8 out of 100. On small-business loans per lakh people at ₹45,592, credit going to productive use at 62.5% and women with a bank account at 78.8%, it sits close to the national mark. The district has 21,253 registered enterprises.