A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Pulwama has 13.9 bank branches per lakh population, better than the typical district. The district's credit-deposit ratio is 105.9, better than the typical district. Every branch here is a physical point of access to savings and credit.
70% of registered enterprises are in services while 30% are in manufacturing. Only 4% of employment is in small and medium enterprises. Only 50% of school-age children are enrolled in higher secondary school (classes 9–12).
In Pulwama, which ranks 2 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 55.4 out of 100. On small-business loans per lakh people at ₹67,214, credit going to productive use at 63% and women with a bank account at 79.5%, it sits close to the national mark. The district has 36,008 registered enterprises.