Pillar: Connectivity
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 50% of school-age children are enrolled in higher secondary school (classes 9–12).
In Kulgam, which ranks 9 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 52.7 out of 100. On small-business loans per lakh people at ₹45,759, 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.
Mandated services and how to locate the Bank Branch in Kulgam are in the Kulgam district course and the English reference guide (Hindi). See the Kulgam youth opportunity scorecard for the full district picture.