Pillar: Economic Participation
Kulgam's credit-deposit ratio stands at 90.7, better than the typical district. 62.5% 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.
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 bank branches per lakh people at 10.8, it sits close to the national mark.
Mandated services and how to locate the Bank-Led Credit for Enterprise 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.