A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Poonch has 9.4 bank branches per lakh population, behind the typical district. The district's credit-deposit ratio is 55.4, behind the typical district. Every branch here is a physical point of access to savings and credit.
83% of registered enterprises are in services while 17% are in manufacturing. Only 1% of employment is in small and medium enterprises. 64% of school-age children are enrolled in higher secondary school (classes 9–12).
In Poonch, which ranks 18 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 48.1 out of 100. It trails the national picture on credit going to productive use at 32.3%. On small-business loans per lakh people at ₹23,101 and women with a bank account at 82.9%, it sits close to the national mark. The district has 12,509 registered enterprises.