Deendayal Jan Aajeevika Yojana (Shehari): MoHUA's urban livelihoods mission, in pilot in 25 cities, replacing DAY-NULM.
283 jobs have been generated through self-employment loans in Garhwa. 71.3% of jobs overall are self-employment, behind the typical district. The D-JAY(S) Urban Livelihoods unit works this ground, helping urban youth set up and sustain small enterprises.
83% of registered enterprises are in services while 17% are in manufacturing. Only 2% of employment is in small and medium enterprises. 61% of school-age children are enrolled in higher secondary school (classes 9–12).
In Garhwa, which ranks 9 of 24 in Jharkhand for youth opportunity, the overall opportunity score is 45.4 out of 100. On women-owned enterprises at 37.2%, it sits close to the national mark. The district has 15,797 registered service enterprises.